Non-Owner SR-22 Insurance

Yes, you can get SR-22 insurance without a car. Here's how to get non-owner SR-22 insurance, how much it costs and more.

Non-owner SR-22 insurance is car insurance you buy when you’re required to file an SR-22 with the state but you don’t own a vehicle.

Non-owner SR-22 policies usually offer just bodily injury and property damage liability coverage. They don’t offer comprehensive or collision coverage.

Because of this, non-owner SR-22 car insurance protects others if you get into an accident while driving a rental car or a car you borrow from a friend or family member. But it doesn’t cover you or the car you’re driving.

In this article, you will learn more about what non-owner SR-22 insurance is, as well as:

Can you get SR-22 insurance without a car?

Yes, you can get SR-22 insurance without a car. You do this by getting non-owner car insurance from a company that will file an SR-22 form for you.

Non-owner insurance provides liability coverage to drivers who don't own vehicles.

Some non-owner policies also provide uninsured or underinsured motorist coverage for an additional cost. Others provide medical payments coverage. Non-owner insurance policies don’t provide collision or comprehensive coverage, though.

An SR-22 is a form that proves you’re carrying the car insurance coverage your state requires.

Almost every state requires drivers to file SR-22s in certain situations, including California, Florida and Texas. A few states that don’t require SR-22s include Minnesota, New York and Pennsylvania.

You may need to file an SR-22 form with your state for:

  • Driving under the influence (DUI or DWI).
  • Getting too many speeding tickets or other traffic citations.
  • Driving recklessly or being cited for another major moving violation.
  • Driving without car insurance.

Also, most people have to file an SR-22 for at least three years.

You don’t file an SR-22 form yourself, though; your insurance provider files it with the state on your behalf.

In the end, non-owner SR-22 insurance isn’t any different from other non-owner insurance. It’s just non-owner coverage you buy from an insurer that also files SR-22 forms for policyholders who need them.

How does non-owner SR-22 insurance work?

The most important thing you need to know about non-owner car insurance — whether you have an SR-22 requirement or not — is that it is almost always secondary coverage.

This means the car insurance policy of the vehicle’s owner pays out first if you’re involved in an accident. Your non-owner policy only pays out if the damages caused by the crash go above the limits of the owner’s policy.

Even then, your non-owner policy only covers other vehicles you damage or people you injure. The reason for this: non-owner car insurance often only includes bodily injury and property damage liability coverage. It doesn’t include collision or comprehensive coverage.

Two more things to keep in mind about how non-owner SR-22 car insurance works:

  • It only covers you (it won’t cover your spouse or children).
  • It rarely comes with a deductible.

How much is non-owner SR-22 insurance?

Non-owner car insurance usually costs $200 to $300 per year. That’s less than half of what a typical driver pays for liability coverage.

Many drivers pay more than $700 per year for liability coverage. The same is true of those who get non-owner insurance — or those who get non-owner SR-22 insurance.

In other words, you might pay more than $200 or $300 per year for a non-owner SR-22 policy. Or you might pay less.

This is because the cost of non-owner SR-22 insurance depends on several factors, including:

  • Where you buy it.
  • How much coverage you get.
  • Why you’re required to file an SR-22.

To get your best price for a non-owner SR-22 insurance policy, shop around and compare quotes from several companies.

How do I get a non-owner SR-22?

To buy non-owner SR-22 insurance, you first need to find a company that will sell it to you.

That’s not all you need to do to get a non-owner SR-22 policy, though. Most companies won’t sell you non-owner car insurance unless:

  • You have a driver’s license.
  • You don’t own a vehicle.

Also, many companies won’t sell you non-owner coverage if you have regular access to a vehicle — such as if a member of your household owns one.

You may have a hard time finding non-owner SR-22 car insurance if the state requires you to use a breath alcohol ignition interlock device after you get a DUI, too.

Where can I get cheap non-owner SR-22 insurance?

Several companies offer cheap non-owner SR-22 insurance. Most of these companies aren’t household names like GEICO, Progressive or State Farm.

Although some well-known insurers will sell you an affordable non-owner SR-22 policy, many won’t. Your best bet for cheap SR-22 insurance without a car is to get quotes from companies like:

While shopping for this kind of coverage, don’t forget to make sure the companies you get quotes from offer both non-owner and SR-22 insurance. Neither is common, so don’t assume an insurer that offers one will offer the other, too. LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.