Non-Owner SR-22 Insurance

Non-Owner SR-22 insurance provides affordable coverage for high-risk drivers without a car.

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What is Non-Owner/SR-22 Insurance?

Non-owner insurance is a type of liability coverage for drivers who do not own or have regular access to a vehicle. A non-owner insurance policy, with sufficient coverage, can quality for SR-22 certification (or FR-44 in Florida and Virginia) to help get a suspended driver’s license reinstated in states that require it. An SR-22 form is often mandated by the court or state for drivers who have had their license suspended or revoked due to traffic violations, DUIs, or other offenses that vary by state.

Who Needs Non-Owner/SR-22 Insurance?

If you do not own or have regular access to a vehicle, a Non-Owner policy can assist:

  • Drivers with License Suspensions: If your license has been suspended or revoked, you may be required to carry SR-22 insurance to get it reinstated.
  • High-Risk Drivers: Those who have been convicted of major traffic violations, such as DUIs, may need non-owner SR-22 insurance.
  • Moving to a New State: If you move to a state that requires SR-22 for any reason that applies to you, you may need to get an SR-22 certificate attached to your policy.
Signing non-owner policy paperwork with Breathe Easy Insurance
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Coverage Requirements

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 an SR-22 certificate for up to three years, but this can vary by location and situation. Make sure that you are aware of your state's SR-22 laws, as well as any additional requirements mandated by the courts and/or DMV in your area.

Check Your State Requirements

Benefits of Non-Owner/SR-22 Insurance

  • Affordable Coverage: Non-owner coverage typically costs less than standard auto insurance since it does not provide coverage for a vehicle you are driving.
  • Legal Compliance: Ensures you meet the state’s minimum liability requirements and helps you comply with court orders.
  • Flexible Coverage: Provides liability protection when you drive rental cars or borrowing a vehicle from someone else.

How to Get Non-Owner/SR-22 Insurance

If you do not own a vehicle but are required to file an SR-22, you will need to contact an insurance agent to purchase a non-owner auto insurance policy. Inform your Breathe Easy Insurance agent about your situation, and they will guide you through the process and SR-22 requirements. Once you’ve found a suitable policy, the agent can complete and file the required SR-22 forms for you—electronically where allowed.

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Non-Owner Policies FAQs

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 you when driving vehicles, you might drive incidentally, 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 or regularly available 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 SR-22 Cost?

The costs of a non-owner auto insurance policy with an SR-22 vary based on several factors, including your driving history and location. The major cost associated with non-owner insurance is the premium. However, the insurance carrier often charges a small fee for filing the SR-22 forms (typically ranging from $15-25 either as a one-time or a recurring fee). 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 coverage 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 SR-22 Policy?

Prices vary according to many factors including your driving record. Non-owner auto insurance policies are generally less expensive than standard auto policies, even with the SR-22 certification. This is primarily because they do not include coverage for the vehicle you drive, and since you don't have a car, you won’t be expected to drive often.

What Happens if My Non-Owner/SR-22 Insurance Lapses?

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 insurance carrier is required to notify the state immediately. If your policy lapses for any reason, it is likely that the state will re-suspend or revoke your license until you purchase a new policy and file a new SR-22 certification.

Why Choose Breathe Easy?

Low Affordable Rates

We compare several carriers to find the best rates for your budget, helping you reinstate your license affordably.

Same Day Insurance & Filing

We offer full coverage, liability, and non-owner policies with a same-day SR-22 filing

Bilingual Support

We have English and Spanish speaking agents ready to answer your questions and check your license eligibility status.
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