WHAT IS SR22 NON OWNER AUTO INSURANCE AND HOW DOES IT WORK?
If your driver's license was previously suspended due to an excess of traffic tickets or a DUI, the process of getting your license reinstated and getting back on the road is more complex than it would be otherwise. If your driver’s license is suspended, the majority of states require by law that you obtain an auto insurance policy with an SR22 certification before you can have your license reinstated. This mandate applies whether or not you own a car. If you don’t own a car, you must purchase a non-owner car insurance policy, along with an SR22 rider, in order to have your license legally reinstated.
Most states require drivers with suspended licenses to obtain non-owner SR22 auto insurance prior to reinstatement. Only eight states in the U.S. do not have this requirement. These states include Pennsylvania, New York, North Carolina, Oklahoma, Delaware, Kentucky, Minnesota, and New Mexico. However, if you intend to move from one of these states to a state where SR22 auto insurance is required (such as California), you will need to purchase the non-owner policy to obtain a driver’s license in your new home state.
To qualify for a non-owner insurance policy, you must not own a car, and you cannot have an ignition interlock device requirement pending on your record, resulting from a DUI or similar conviction. If you do not own a vehicle and meet the general requirements for a non-owner SR22, you will need to contact an insurance agent and purchase a non-owner insurance policy. Be sure to let the agent know your situation, so he or she will know that you will need an SR22 rider. Once you've paid any associated fees for the rider, the agent will electronically complete and file the SR22 forms required by the state.
As with any other insurance policy, it's important to remember to always pay your premiums on time. If you fail to pay your SR22 non owner auto insurance premiums, your agent is required by law to notify the state. If your policy lapses for any reason, it is likely that the state will re-suspend your license until such time as you re-purchase and re-file new SR22 paperwork.
Even a non-owner insurance policy must maintain the state-mandated minimum coverage limits, usually including liability coverage for property damage and bodily injury. Most states require SR22 non-owners auto insurance coverage for three years, but the amount of time that you will be required to maintain SR22 certification 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 SR22 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 insurance policy intends to cover vehicles you might drive temporarily, such as when borrowing a car from a friend. If you have a car registered under your name, keep a car at your residence, or have been given a car for daily use, none of these vehicles qualify under the non-owner insurance policy. 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 SR22 NON OWNER AUTO INSURANCE COST?
The costs of a non-owner auto insurance policy with an SR22 rider vary based on your driving history and location, among other factors. The major costs associated with non-owner SR22 insurance are the premiums; however, the insurance carrier will also often charge a small fee for filing the SR22 forms (usually roughly $15-25). Non-owner auto insurance costs vary by state, but, because those with a history of traffic violations and/or DUIs are considered high-risk, carrying the SR22 rider 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 endorsement, primarily because you don't have a car and won't be expected to drive often.