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:
- How to get SR-22 insurance without a car
- How non-owner SR-22 insurance works
- How much non-owner SR-22 car insurance costs
- Where to buy cheap SR-22 insurance without a car
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.
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.
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