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 form that can prove financial responsibility. 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-owner car insurance covers all state-mandated insurance requirements, including basic liability insurance 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.
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 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. 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 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 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.
Auto insurance FAQs
When will I need an SR 22 without a vehicle?
You will need SR-22 insurance in order to keep your license even if you don’t own a car if you have been convicted of a serious traffic violation, such as a DUI or multiple violations, or if you were caught driving without insurance.
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.
What are the alternatives to the SR 22 form?
There are no direct alternatives to an SR-22 form. If you are required to file one, there are no other options but to fulfill that requirement. In some states, there are similar forms you might be required to file, but they don’t replace an SR-22.
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