Non-Owner SR-22 Auto Insurance Policy
Non-owner auto allows you to drive someone else's car if you're required by the court to obtain car with an (a certificate that proves you have auto coverage that meets minimum requirements). Use our free tool below to compare quotes for non-owner online.
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Rachael Brennan
Licensed Auto Insurance Agent
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...
Licensed Auto Insurance Agent
UPDATED: Mar 24, 2024
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- Non-owner SR-22 auto insurance meets the SR-22 insurance requirements set by the court in order for high-risk drivers who don’t own a vehicle to get their driver’s license reinstated
- The fee to file an SR-22 (for standard and non-owner coverage) is usually between $15 and $25
- Insurance rates for non-owner SR-22 coverage can cost you $634 per month ($7,608 annually)
Getting an SR-22 isn’t ideal, but it is a necessary evil if you are a high-risk driver. If you think that not owning a car can get you out of getting your SR-22, think again. Drivers who don’t own a car still have to get SR-22 insurance for non-car owners. If you don’t own a car, you can get non-owner SR-22 auto insurance.
How much does non-owner insurance cost? The average SR-22 insurance cost varies, but filing fees are typically between $15 to $25, with the real cost coming down as increased car insurance rates.
In this guide, we will cover what non-owner SR-22 insurance is and how it differs from standard SR-22 insurance.
What company has cheap non-owner SR-22 insurance? Enter your ZIP code in our free tool and start comparing quotes for non-owner SR-22 insurance online.
What is non-owner SR-22 auto insurance?
To start, what is SR-22 insurance? Essentially, it’s proof that you have auto insurance. How do you know if you need to get SR-22 car insurance? SR-22 insurance is court-ordered, usually due to requirements high-risk drivers must meet to get a driver’s license reinstated. You’ll have to pay a fee of between $15 and $25 to file an SR-22.
Now that we’ve summarized SR-22 insurance, what’s non-owner insurance? In short, non-owner insurance is liability coverage you can purchase if you don’t have a vehicle. This will cover you if you typically drive rental cars or other vehicles you don’t own. It can also meet the requirement to carry auto insurance if this is necessary to keep your driver’s license valid (typically court-ordered).
So what is non-owner SR-22 auto insurance? The easiest way to define this is to think of it as a way to keep the coverage you need even if you do not own a car, particularly if you’re required to maintain auto insurance (including SR-22 filing) to reinstate your driver’s license.
Can I get SR-22 insurance without a vehicle?
The first big question is: can you get SR-22 insurance for non-car owners? If you are required to carry SR-22 insurance to operate a vehicle legally, this is what you need, even if you are driving someone else’s car.
As with many other aspects of SR-22 insurance, or car insurance in general, the requirements may vary from state-to-state. Make sure you know the guidelines for your current state or a state where you may be relocating.
So what exactly does the SR-22 insurance non-owner coverage include?
Like liability insurance, SR-22 non-owner car insurance covers the expenses for the other party. This would include another vehicle, personal property, and bodily injury.
https://www.youtube.com/watch?v=04SZGS6DdVM
What are bodily injury liability and personal property liability?
- Bodily Injury Liability – pays for damages to injured parties caused by the at-fault driver
- Personal Property Liability – pays for damages to your vehicle
What are collision and comprehensive insurance?
- Collision Insurance – pays for repairs to your car or to help replace your car if it is damaged in a collision
- Comprehensive Insurance – pays for repairs to your vehicle or to help replace your vehicle if it is damaged in an accident that is not a collision (i.e., weather damage, vandalism, etc.)
What is uninsured and underinsured motorist coverage?
- Uninsured Motorist Coverage – compensates you when you suffer an injury from an accident caused by a driver who does not have car insurance
- Underinsured Motorist Coverage – gives you coverage when you are in an accident with a driver that doesn’t have enough insurance
What are medical payments and personal injury protection?
- Medical Payments (MedPay) – pays for medical bills and funeral expenses for you and the passengers in your vehicle
- Personal Injury Protection (PIP) – reimburses loss of income, medical bills, funeral costs, and rehabilitation and replacement services
When it comes to PIP, as the driver, your own expenses would not be covered. This is important to keep in mind, because if you are borrowing a car from someone and are involved in an accident, the vehicle you are driving will not be covered.
The amount of minimum liability coverage required varies from state-to-state, but it is a good idea to exceed this coverage if possible. Take a look at this table for average costs of liability coverage by state.
Average Annual Liability Coverage Auto Insurance Rates by State| State | Average Annual Liability Coverage Rates |
|---|---|
| Alabama | $372.57 |
| Alaska | $547.34 |
| Arizona | $488.59 |
| Arkansas | $381.14 |
| California | $462.95 |
| Colorado | $477.10 |
| Connecticut | $633.95 |
| Delaware | $776.50 |
| District of Columbia | $628.09 |
| South Dakota | $289.04 |
| Florida | $845.05 |
| Georgia | $490.64 |
| Hawaii | $458.49 |
| Idaho | $337.17 |
| Illinois | $430.54 |
| Indiana | $372.44 |
| Iowa | $293.34 |
| Kansas | $342.33 |
| Kentucky | $518.91 |
| Louisiana | $727.15 |
| Maine | $333.92 |
| Maryland | $599.48 |
| Massachusetts | $587.75 |
| Michigan | $722.04 |
| Minnesota | $439.58 |
| Mississippi | $437.38 |
| Missouri | $399.41 |
| Montana | $387.77 |
| Nebraska | $349.07 |
| Nevada | $647.07 |
| New Hampshire | $393.24 |
| New Jersey | $865.55 |
| New Mexico | $462.21 |
| New York | $784.98 |
| North Carolina | $357.59 |
| North Dakota | $282.55 |
| Ohio | $376.16 |
| Oklahoma | $441.57 |
| Oregon | $553.43 |
| Pennsylvania | $495.02 |
| Rhode Island | $720.06 |
| South Carolina | $497.50 |
| Tennessee | $397.73 |
| Texas | $498.44 |
| Utah | $471.26 |
| Vermont | $340.98 |
| Virginia | $413.12 |
| Washington | $568.92 |
| West Virginia | $501.44 |
| Wisconsin | $359.84 |
| Wyoming | $323.38 |
| Countrywide | $516.39 |
If the amount of damage caused to the other driver’s vehicle, personal property, or bodily injury exceeds the coverage amounts in the policy, you will still be responsible for covering the difference. It is also essential to maintain this type of SR-22 insurance without allowing any lapses to occur.
Read more:
- Arkansas SR-22 Insurance
- Indiana SR-22 Insurance
- Tennessee SR-22 Insurance
- Utah SR-22 Insurance
- Vermont SR-22 Insurance
- Wisconsin SR-22 Insurance
- South Carolina SR-22 Insurance
- Rhode Island SR-22 Insurance
- New Jersey SR-22 Insurance
- Nebraska SR-22 Insurance
- Louisiana SR-22 Insurance
- Massachusetts SR-22 Insurance
- Idaho SR-22 Insurance
- Hawaii SR-22 Insurance
- Connecticut SR-22 Insurance
- Delaware SR-22 Insurance
- Kansas SR-22 Insurance (Rates, Companies, + More)
- Kentucky SR-22 Insurance
- Alaska SR-22 Auto Insurance
- Alabama SR-22 Insurance
- Michigan SR-22 Insurance
- New Hampshire SR-22 Insurance
- North Carolina SR-22 Insurance
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What’s the difference between owner and non-owner SR-22 auto insurance?
To some degree, the basic idea behind any SR-22 insurance is the same. A driver must obtain this type of car insurance to be behind the wheel of a car legally. The main difference is whether you own and will operate your own vehicle or a car that belongs to someone else.
Drivers who plan to drive several cars belonging to various people or their own vehicle and cars belonging to others may need to investigate further carrying other options for SR-22.
No matter which type of SR-22 insurance you carry, the important thing to keep in mind is that this only covers damage you cause to another person, their vehicle, or their personal property.
If you drive a vehicle belonging to a spouse, family member, friend, or someone else and are in an accident, the vehicle you are driving will not be covered. In other words, both owner and non-owner SR-22 car insurance is a type of liability-only coverage.
The type of SR-22 insurance you need should be determined in conjunction with your insurance carrier. Regardless of which one you chose, the procedures are the same. How much does SR-22 insurance cost a month? That depends on the reason you need the SR-22 in the first place. Cheap non-owner SR-22 insurance is difficult to find, but rates will vary on a case-by-case basis.
SR-22 coverage is only required for especially high-risk drivers (and is usually court-ordered, as we noted earlier). We don’t have exact SR-22 auto insurance rates, but to give you an idea of what you might pay, take a look at this table, which summarizes average rates based on driving record.
Average Annual Auto Insurance Rates by Driving Record| Insurance Companies | Average Annual Insurance Rates with a Clean Record | Average Annual Insurance Rates with One Speeding Violation | Average Annual Insurance Rates with One Accident | Average Annual Insurance Rates with One DUI |
|---|---|---|---|---|
| USAA | $1,933.68 | $2,193.25 | $2,516.24 | $3,506.03 |
| GEICO | $2,145.96 | $2,645.43 | $3,192.77 | $4,875.87 |
| American Family | $2,693.61 | $3,025.74 | $3,722.75 | $4,330.24 |
| Nationwide | $2,746.18 | $3,113.68 | $3,396.95 | $4,543.20 |
| State Farm | $2,821.18 | $3,186.01 | $3,396.01 | $3,636.80 |
| Progressive | $3,393.09 | $4,002.28 | $4,777.04 | $3,969.65 |
| Travelers | $3,447.69 | $4,260.80 | $4,289.74 | $5,741.40 |
| Farmers | $3,460.60 | $4,079.01 | $4,518.73 | $4,718.75 |
| Allstate | $3,819.90 | $4,483.51 | $4,987.68 | $6,260.73 |
| Liberty Mutual | $4,774.30 | $5,701.26 | $6,204.78 | $7,613.48 |
Once you obtain your SR-22 insurance, the provider will submit this proof of financial responsibility to the state on your behalf. After the state receives this proof, and it is approved, you should then have your driver’s license reinstated.
In either case, make sure you retain the SR-22 insurance without any lapses in coverage for the duration required in your state. Even a brief lapse in coverage can result in the loss of your legal driving privileges.
Who needs an SR-22?
If your insurance company considers you to be high-risk, you may have to file for an SR-22. You can be considered a high-risk driver if you are or have any of the following:
- Get a DUI or a DWI for drugs and alcohol
- Did not carry proof of insurance after being at-fault in an accident.
- Get caught without insurance
- Have too many moving violations.
In most cases, you will have to carry an SR-22 for about three years. During this time, you should not have a lapse of insurance or have any more driving convictions.
Are there basic requirements for an SR-22?
SR-22 requirements vary from state-to-state. Some states do not require you to have an SR-22. If you are required to have an SR-22 in one state and then move to another state, you must keep your SR-22. You are also required to keep your SR-22 if you move to a state that does not require SR-22 insurance.
You must carry the minimum liability insurance requirements for the entire time you carry an SR-22.
If your policy lapses, your insurance company will notify the Department of Motor Vehicles (DMV), and you could have your license suspended. In most cases, you can pay a reinstatement fee to get your SR-22 faxed to you and resubmitted.
How do you get non-owner SR-22 insurance?
If your insurance company does not provide SR-22 insurance, you will have to find a company that does. You can search for non-owner SR-22 insurance online and choose a policy that works for you. You will be charged a filing fee that can be anywhere between $15 and $25. Your insurance company will file your request with the state or local DMV within 30 days of your request. For instance, you can get SR-22 insurance from GEICO by having the company file an SR-22 form for you.
What type of SR-22 certificate will I receive?
There are three types of SR-22 certificates, an operator certificate, owner certificate, and an operators-owner certificate. If you are getting a non-owner SR-22, you will get an operator certificate. An operator certificate covers drivers who operate a vehicle but who don’t own a vehicle.
Will I need an SR-22 forever?
You will not need to carry an SR-22 forever. You will need to file for one for each of the years mandated by your state (usually three). If you don’t meet all the requirements during that period of time (like maintaining a clean driving record), the court may decide to have your SR-22 sentence extended.
What happens if you don’t maintain an SR-22?
You must keep your SR-22 for the required time. Failure to maintain SR-22 insurance means much more than not being covered in a car accident, or not having coverage in place to help pay for repairs.
Not maintaining SR-22 insurance can result in some penalties that are worse than just having your license suspended for a few months.
Car insurance companies are required to report when you have let your SR-22 lapse.
If you fail to maintain your SR-22, you may have to start your sentence all over again. Even if you only have a year left on your probation, you will have to start all over again as though you just got it. It is common to keep SR-22 insurance for three years, though some states require that you keep it for five years.
Some states have harsher penalties than others. In Texas, drivers who let their SR-22 insurance lapse can have their vehicle registration suspended and lose their driving privileges.
In Florida, you can lose your car tags, and registration, and have your license suspended. In Washington, drivers will not be able to apply for or reinstate their license without obtaining Washington SR-22 Insurance.
Important Things to Know About Non-Owner SR-22 Auto Insurance
Keeping an SR-22 insurance non-owner policy for coverage is important to stay legal. Once you’ve gotten a policy in place and your driver’s license reinstated, it is important to keep your policy. In most states, there is a three-year period during which drivers must keep their SR-22 coverage.
The SR-22 is actually a form the insurance company fills out and submits to the state.
Once approved, the driver trying to obtain this type of insurance will have their driver’s license reinstated. Whether they own the vehicle they intend to drive or not, they must obtain SR-22 insurance to get their license back and legally operate a vehicle.
Although it can seem confusing, it doesn’t have to be. The important part is to make sure you understand which type of SR-22 coverage you need and choose the right one. Your insurance provider should be able to help you understand your options and make the best choice.
If you decide to make any changes during this time period, you should use extreme caution. If you change companies for better rates, decide to change from non-owner to owner or vice versa, relocate to another state, or make any other changes, make sure the state is aware of and accepts the changes.
Any time a driver drops SR-22 coverage, the insurance carrier is required by law to alert the state of this change.
This means that even if you have good reason to drop or change one policy, you must take precautionary steps and go about it the right way. Even if you get a different policy right away, there may still be a lapse in coverage that could cause you to lose your license again.
There are some other important things you should know when it comes specifically to non-owner SR-22 insurance coverage.
Having non-owner insurance does not mean you can drive any car.
If you are using multiple cars or cars with multiple owners, you need to acquire a different type of SR-22 policy. You need to make the owner of the vehicle aware that their car may not be covered in the event of an accident.
SR-22 is similar to liability insurance; the vehicle, personal property, and bodily injury of the other driver involved will be covered but not the driver carrying SR-22.
Non-owner insurance is a great option if you don’t own a vehicle, even if you are not planning on borrowing a car. To get your driver’s license reinstated and prevent yourself from having too long of a gap in some auto insurance coverage, non-owner is usually a more affordable option to at least have some insurance.
Do not assume it does not matter whether you choose non-owner or owner SR-22 insurance.
Talk with your carrier to decide which type is the most appropriate for your individual situation. If you get a non-owner SR-22 and then purchase a vehicle, you must change coverage to reflect that.
If you have to purchase an SR-22 because of a DUI, you may also be required to have an alcohol ignition interlock device, in addition to court costs and a potential license suspension. The CDC reports the use of these reduces repeat offenses by 70 percent.
That’s an important mission, as according to the National Highway Traffic Safety Administration (DOT HS #: 812864), an average of one drunk-driving-related fatality occurred every 50 minutes in 2018.
But it’s not all bad news. In fact, Reponsibility.org reports that the fight to eliminate drunk driving has been largely successful, with a decrease in drunk driving deaths of 34 percent overall and 66 percent for those drivers under 21 years old.
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Non-Owner SR-22 Auto Insurance: The Bottom Line
If the court mandates that you obtain an SR-22 to get your driver’s license reinstated, but you don’t own a vehicle, non-owner SR-22 auto insurance is for you. When you file an SR-22 with the state, you’ll have to pay a fee of
Unfortunately, because SR-22 certificates are associated with high-risk drivers, you’ll find that insurance rates may be exceptionally high. You could pay up to $634 per month for coverage ($7,608 annually).
Each state is different, but as a general rule, an SR-22 insurance non-owner policy won’t cover you for a vehicle registered to you, one in your household, or a vehicle provided for your regular and frequent use.
Non-owner policies only apply if the primary policy’s coverage limit has already been met. You’ve now reached the end of our guide. We hope that you learned a lot about non-owner SR-22 insurance. Remember that an SR-22 is temporary, and you will not have to file one forever.
Frequently Asked Questions: Non-Owner SR-22 Auto Insurance
We’ve added a couple more SR-22 FAQs below in case we haven’t answered all of your questions.
#1 – Can you drive another person’s car with SR-22 insurance?
If you cause an accident while driving another person’s car, your non-owners insurance policy will cover the other party’s expenses, whether it’s property damage or medical bills. However, it probably won’t cover the damage to your friend’s vehicle.
#2 – Which companies sell SR-22 insurance?
Most major companies such as The General and SafeAuto sell non-owner SR-22 insurance in South Carolina. Still, it’s easy to get Nationwide non-owner car insurance, GEICO SR-22 non-owner insurance, and non-owner SR-22 insurance with Progressive.
You can get SR-22 coverage from just about every major insurer. Though rates vary by state, non-owner SR-22 coverage in Ohio, Missouri, Indiana, Minnesota, and South Carolina are all pretty similar, and we can help you compare those rates when you use our free tool.
Also of note, the states of Florida and Virginia have an FR-44 form, which is very similar to the SR-22, as they are both forms of certifying your financial responsibility.
Read More: Minnesota SR-22 Insurance
#3 – How long is SR-22 insurance valid?
How long you’re required to keep an SR-22 on file with the state depends on where you live. Your SR-22 filing will remain valid as long as you continue to meet the minimum liability auto insurance requirements. If your coverage lapses, the insurance company will notify the state, in which case your driving privileges may be suspended.
Ready to buy non-owner SR-22 insurance? Get started by finding non-owner SR-22 insurance online quotes from several companies. You can enter your ZIP code in our free tool and start comparing non-owner SR-22 auto insurance rates online now.