What is non-owner SR-22 insurance?
Non-owner SR-22 insurance is not really a type of car insurance. An SR-22 is a proof of financial responsibility form and is required by the state or a court after a major violation. It’s often required to get your license back after it’s been suspended (because of the violation.)
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-owners car insurance covers all state-mandated insurance requirements.
“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.
How do you get non-owner SR-22 insurance?
Not every insurance company handles SR-22 filings. To buy non-owners insurance with an SR-22, you will need to ask your current insurer – or any insurers you are considering – whether they will file the SR-22 for you.
You will need to find a company that offers non-owner car insurance policies and will also file an SR-22 on your behalf. Because people who need an SR-22 are usually high-risk due to the violation that led to the need for an SR-22, your rates may be higher and coverage might be harder to find.
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 since there is a mark on your driving record that 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 limits than it does for others. Higher limits will cost a little more.
Shop around to find the cheapest non-owner car insurance for your needs.
