WHAT ARE NON-OWNER AUTO INSURANCE AND SR22?
If your driver's license is suspended due to an excess of traffic tickets or a DUI, the process of getting your license reinstated and getting back on the road can be complex.
If your driver’s license is suspended for one of these reasons, the majority of states require you to obtain an auto insurance policy with an SR22 certification before you can have your license reinstated. Only eight states in the U.S. do not have this requirement including: Pennsylvania, New York, North Carolina, Oklahoma, Delaware, Kentucky, Minnesota, and New Mexico.
Typically this mandate applies whether or not you own a car. However, if you intend to move from one of these states one where SR22 auto insurance is required (such as California), you will need to purchase an insurance policy with an SR22 certificate attached.
Get An SR22 Insurance Quote
If you do not own a vehicle but are required to file an SR22, you will need to contact an insurance agent to purchase a non-owner auto insurance policy. Tell the agent about your situation. The agent will guide you through the process and SR22 requirements. They can even electronically complete and file the required SR22 forms for you, where allowed.
As with any other insurance policy, it's important to always pay your premiums on time. If you fail to pay your non-owner auto insurance premiums, your agent is required to notify the state. If your policy lapses for any reason, it is likely that the state will re-suspend your license until you purchase a new policy and file new SR22 certification.
Even a non-owner auto insurance policy must maintain the state-mandated minimum coverage limits, usually including liability coverage for property damage and bodily injury. Most states require non-owners auto insurance coverage and an SR22 certificate for three years, but that amount of time can vary by location and situation. Make sure that you are aware of your state's SR22 laws, as well as any additional requirements mandated by the courts and/or DMV in your area.
WHAT CARS ARE COVERED UNDER A NON-OWNER AUTO INSURANCE POLICY?
While it may sound strange to carry a car insurance policy when you don't own a vehicle, a non-owner auto insurance policy covers vehicles you might drive temporarily, such as when borrowing a car from a friend. If you have a car registered in your name, keep a car at your residence, or have been given a car for daily use, these vehicles will not be covered under the non-owner auto insurance. Should you purchase a car or otherwise have a vehicle registered to you, you must immediately update your insurance agent so you can switch to an owner policy.
HOW MUCH DOES NON-OWNER AUTO INSURANCE AND SR22 COST?
The costs of a non-owner auto insurance policy with an SR22 vary based on a number of factors, including your driving history and location. The major costs associated with non-owner SR22 insurance are the premiums. However, the insurance carrier often charges a small fee for filing the SR22 forms (typically ranging from $15-25). Non-owner auto insurance costs vary by state, but because those with a history of traffic and/or DUI violations are considered high-risk, carrying the SR22 will generally cost more than a regular non-owner auto insurance policy.
WHAT IS THE PRICE DIFFERENCE BETWEEN A NON-OWNER POLICY AND A CONVENTIONAL SR22 POLICY?
Non-owner auto insurance policies are generally less expensive than standard auto policies, even with the SR22 certification, primarily because you don't have a car and won't be expected to drive often.