- What is non-owner SR-22 insurance?
- What does non-owner SR-22 insurance cover?
- What is not covered by non-owner SR-22 insurance?
- When do you need non-owner SR-22 car insurance?
- How do you get non-owner SR-22 insurance?
- How much is non-owner SR-22 insurance?
- What companies offer non-owner SR-22 insurance?
- Frequently asked questions
What is non-owner SR-22 insurance?
Non-owner SR-22 insurance is not a type of car insurance. An SR-22 is a form that can prove financial responsibility. It’s often required to get your license back after it’s been suspended following a conviction for a major traffic violation, such as a DUI.
If you don’t own a car but need to get insurance in order to have an SR-22 filed, non-owner car insurance will meet this requirement. Non-owner car insurance covers all state-mandated insurance requirements, including basic liability insuranceLiability insurance covers sums that an insured becomes legally obligated to pay because of bodily injuries or property damage, or financial losses caused to other people. coverage.
“A non-owner policy provides the driver with protection for themself, regardless of whether the vehicle is insured. This type of policy can also help satisfy a required proof of insurance, which helps an individual maintain an active driver’s license,” says Rick Kautzer, associate director of personal lines product management at Dairyland Insurance.
Learn more about what an SR-22 coverage is.
What does non-owner SR-22 insurance cover?
Non-owner car insurance with an SR-22 provides state minimum car insurance that allows you to keep your license. A non-owner policy includes all coverages required by law in your state. That includes:
- Bodily injury liability coverage
- Property damage liability coverage
- Personal injury protection (where required)
- Uninsured/underinsured motorist coverage (where required)
It's important to note that a non-owner policy is always secondary to the vehicle owner's insurance. That means it won't kick in until the limits on the owner's policy are met and exceeded.
What is not covered by non-owner SR-22 insurance?
Non owner car insurance with an SR-22 doesn't cover the following:
- The vehicle you are driving
- Your injuries, unless personal injury protection is included
- Any damages that fall under the vehicle owner's limits
When do you need non-owner SR-22 car insurance?
You need non-owner SR-22 insurance when you are required, either by the DMV or a court order, to provide proof of insurance in order to maintain a valid license and you don't own a car. This type of policy allows the insurance company to file an SR-22 for a non-car owner.
If you own a car, you need to buy a standard car insurance policy and have the insurance company file an SR-22 for that policy.
How do you get non-owner SR-22 insurance?
Not every insurance company handles SR-22 filings. To buy non-owner insurance with an SR-22, you must ask your current insurer whether they will file the SR-22 for you. If not, you'll need to shop around for coverage to find a carrierAn insurance carrier is the company that provides your car insurance policy and pays claims. that does offer non-owner car insurance and will file an SR-22 on your behalf. Since people who need an SR-22 are usually high-risk drivers, their insurance rates may be higher, and finding coverage could be more difficult.
You might need to look into high-risk auto insurance, which is also not offered by every company.
Violations that lead to an SR-22 and categorize you as high-risk include:
- A DUI conviction
- Reckless driving
- Multiple traffic offenses within a short time frame
- Driving without insurance
How much is non-owner SR-22 insurance?
The average cost of a non-owner policy is $380 a year, but that’s for a driver with a clean record. If you need an SR-22, the cost of insurance will be higher because your driving record makes you riskier to insure.
However, you can expect to pay less for non-owner car insurance with an SR-22 than for a regular insurance policy since you don’t own a car and drive less as a result.
If you’re having your license reinstated after a suspension, your state may require higher liability coverage limits than it does for others. Higher limits will increase the insurance costs a little more.
Shop around to find the cheapest non-owner car insurance provider for your needs.
Non-owner SR-22 insurance rates by state
The most expensive state for non-owner coverage is Florida at $668 a year, and the cheapest state is Iowa at $179 a year. The cost of non-owner car insurance varies by state, due to differences risks as well as the insurance coverage that's required by law.
The reason for the SR-22 requirement will also impact what you pay, with a DUI causing much higher rates.
| State | Average annual premium | Premium after SR-22 filing | Premium with 1 DUI |
|---|---|---|---|
| Alaska | $260 | $328 | $436 |
| Alabama | $380 | $490 | $638 |
| Arkansas | $266 | $411 | $466 |
| Arizona | $396 | $510 | $874 |
| California | $299 | $338 | $791 |
| Colorado | $282 | $384 | $659 |
| Connecticut | $395 | $497 | $908 |
| Washington, D.C. | $310 | $361 | $459 |
| Delaware | $344 | $396 | $639 |
| Florida | $545 | $668 | $1,100 |
| Georgia | $312 | $359 | $502 |
| Hawaii | $395 | $465 | $1,397 |
| Iowa | $153 | $179 | $226 |
| Idaho | $187 | $233 | $325 |
| Illinois | $279 | $398 | $494 |
| Indiana | $259 | $311 | $443 |
| Kansas | $274 | $340 | $496 |
| Kentucky | $375 | $415 | $869 |
| Louisiana | $330 | $381 | $627 |
| Massachusetts | $445 | $539 | $897 |
| Maryland | $438 | $583 | $823 |
| Maine | $238 | $267 | $406 |
| Michigan | $513 | $536 | $1,205 |
| Minnesota | $302 | $311 | $481 |
| Missouri | $358 | $371 | $515 |
| Mississippi | $321 | $356 | $650 |
| Montana | $299 | $355 | $538 |
| North Carolina | $470 | $503 | $2,063 |
| North Dakota | $209 | $242 | $315 |
| Nebraska | $186 | $235 | $456 |
| New Hampshire | $318 | $398 | $567 |
| New Jersey | $459 | $598 | $622 |
| New Mexico | $293 | $342 | $576 |
| Nevada | $346 | $414 | $643 |
| New York | $421 | $535 | $549 |
| Ohio | $214 | $268 | $471 |
| Oklahoma | $242 | $322 | $523 |
| Oregon | $441 | $545 | $850 |
| Pennsylvania | $263 | $327 | $717 |
| Rhode Island | $518 | $607 | $948 |
| South Carolina | $368 | $419 | $534 |
| South Dakota | $170 | $206 | $296 |
| Tennessee | $363 | $464 | $831 |
| Texas | $447 | $483 | $568 |
| Utah | $444 | $556 | $713 |
| Virginia | $290 | $391 | $717 |
| Vermont | $296 | $361 | $579 |
| Washington | $349 | $406 | $633 |
| Wisconsin | $230 | $269 | $394 |
| West Virginia | $367 | $412 | $526 |
| Wyoming | $215 | $245 | $460 |
What companies offer non-owner SR-22 insurance?
Most major car insurance companies off non-owner SR-22 insurance. Non-owner SR-22 insurance companies include:
- Allstate
- Farmers
- Geico
- Nationwide
- Progressive
- State Farm
- USAA
- Travelers
Many smaller companies also offer this type of insurance coverage. A local insurance agent can help you find the right company for your needs.
Non-owner SR22 insurance rates by company
Geico is the cheapest company for an SR-22 auto insurance policy at $360 a year, although USAA is cheaper if you qualify. If you need an SR-22 after a DUI, a non-owners policy from State Farm is the cheapest at $399 a year; again, USAA is cheaper.
Here's a look at SR-22 rates for non-owners insurance by company.
| Company | Average annual premium | Premium with SR-22 filing | Premium with 1 DUI |
|---|---|---|---|
| Allstate | $641 | $706 | $2,127 |
| Farmers | $494 | $661 | $1,299 |
| Geico | $333 | $350 | $828 |
| Nationwide | $490 | $504 | $689 |
| Progressive | $539 | $595 | $772 |
| State Farm | $262 | $360 | $399 |
| Travelers | $338 | $379 | $528 |
| USAA | $177 | $198 | $367 |
Frequently asked questions
Does Root Insurance offer SR-22 for non-car owners?
No. Although Root can file an SR-22, the company doesn't write non-owners insurance.
How much does a Texas non-owner sr-22 insurance policy cost?
The average cost of a non-owner insurance policy with an SR-22 in Texas is $483 a year, but it depends on the reason for the SR-22.
Can you buy non-owner SR-22 insurance online?
Non-owner SR-22 auto insurance is generally not sold online. You will likely need to contact your insurance company or agent directly for assistance with purchasing a non-owner insurance policy and filing the SR-22.
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