Updated: July 27, 2025
Advertising & Editorial Disclosure
Non-owner SR-22 insurance is designed for people who don’t own a car but need proof of insurance to keep or regain their license after serious driving violations like DUIs.
Non-owner SR-22 insurance offers liability-only coverage for driving borrowed or rented cars, but it doesn’t cover damage to the vehicle you're driving or your own injuries.
Costs and requirements vary widely by state and violation type, but non-owner SR-22 insurance is usually cheaper than standard SR-22 coverage and helps maintain continuous insurance history.
Non-owner SR-22 insurance is for drivers who don't own vehicles but need to file SR-22 forms with their state. It combines a financial responsibility certificate and a non-owner auto insurance policy.Â
The certificate verifies that drivers meet state minimum insurance requirements, while the non-owner policy provides necessary coverage for those without vehicles but needing driving privileges.
Non-owner SR-22 insurance provides liability-only coverage, which pays for third-party injuries and property damage if you cause an accident while driving a borrowed or rented vehicle. This protection typically includes bodily injury liability and property damage liability.
Bodily injury liability covers medical expenses, lost wages and pain and suffering for others injured in an accident where you're at fault. The coverage does not apply to your own injuries or those of your passengers.
Property damage liability covers damage to others' property in accidents that are your fault, including repairs to other vehicles, damage to structures like buildings and fences, damaged personal property, damaged public property such as guardrails and light posts and related legal defense costs.
Some states impose higher liability minimums specifically for SR-22 drivers and twelve states require personal injury protection. While twenty states mandate uninsured/underinsured motorist coverage in addition to liability coverage.
Always verify your state's exact SR-22 requirements with your DMV, as inadequate coverage will result in certificate rejection and continued license suspension.
Non-owner SR-22 insurance is limited to liability coverage and excludes protection for the vehicle you're driving, your own injuries and any regular or owned vehicle use. It’s designed specifically for occasional drivers who don’t own a car but need to meet SR-22 requirements.
This policy doesn’t cover repairs or replacement for a rented or borrowed car you’re driving. The vehicle owner’s insurance, or optional rental car coverage, would need to handle physical damage.
Your own injuries, as well as those of any passengers riding with you, aren’t covered under non-owner SR-22 insurance. You’d need separate medical payments or personal injury protection (PIP) coverage, which non-owner policies typically don’t offer.
Non-owner SR-22 insurance can’t be used as a substitute for standard auto insurance if you own a car or frequently drive the same vehicle. In those cases, you’ll need a traditional SR-22 policy tied to that specific vehicle.
You need non-owner SR-22 insurance if you've been court-ordered to file an SR-22 form but don't own a vehicle. This typically happens after serious violations like driving under the influence (DUI), multiple accidents, driving without insurance, or license suspensions. The coverage allows you to maintain legal driving privileges while using borrowed or rented vehicles.
Non-owner SR-22 insurance provides significant advantages for high-risk drivers without vehicles seeking insurance coverage. This specialized coverage offers a cost-effective path to license reinstatement and legal compliance while avoiding the higher expenses of standard policies. Several key benefits include:
Benefit | Why it Matters |
|---|---|
License Reinstatement | The primary benefit is meeting state requirements for license reinstatement after a suspension. Without proper SR-22 filing, most states won't restore driving privileges. |
Continuous Insurance History | Non-owner SR-22 insurance maintains your coverage history, potentially saving money when you purchase standard auto insurance in the future. |
Financial Protection | When driving borrowed or rented vehicles, non-owner policies provide liability protection beyond the vehicle owner's insurance. This can prevent financial devastation if you cause a serious accident.. |
Lower Costs Than Standard SR-22 | Non-owner SR-22 insurance typically costs 22% less than standard SR-22 policies for vehicle owners since it doesn't include comprehensive or collision coverage. |
Flexibility Without Commitment | Non-owner policies allow occasional driving without the financial commitment of vehicle ownership while meeting state financial responsibility requirements. |
After a DUI, DWI or other major traffic violation, courts might order drivers to file an SR-22 form that certifies the convicted driver's insurance policy meets the state requirements.Â
Those without vehicles must secure non-owner auto insurance to maintain driving privileges. Any coverage lapse forces drivers to restart the entire process, including purchasing new policies and potentially extending their filing period.
Most states require SR-22 filings for three years, but the duration can vary. For example, Alaska and Missouri allow one-year filings for minor violations, while Florida, Indiana and Oregon may require up to five years for DUI convictions.
Some insurance companies take care of the entire SR-22 filing process for you, while others may require you to file through the DMV, pay a fee and provide proof to your insurer.
States use different financial responsibility forms that vary depending on your specific violation, knowing exactly which document you need helps avoid reinstatement delays, unnecessary costs and extended license suspensions. Your state might require one of these alternatives instead of an SR-22:
Florida and Virginia require this form for three years specifically after DUI convictions. This certificate mandates significantly higher liability limits which are typically double the state minimum .
Several states use this document as proof of insurance following an accident resulting in property damage exceeding $1,000, injuries, or fatalities. Unlike an SR-22, the SR-21 verifies you had coverage at the time of the incident rather than guaranteeing future coverage.
An SR-22 is a certificate your insurer files with your state DMV proving you maintain the required liability coverage for three years.
Unique to Indiana, this certificate provides proof of insurance coverage when reinstating a suspended license. The SR-50 serves a similar purpose to the SR-22 but follows Indiana's specific regulatory requirements. Residents typically have to file this document for one to three years, depending on the severity of the violation.
If you move to another state during your mandated filing period, you must maintain your SR-22 (or alternative form) in the state where it was originally required.
If you’re at-fault in an accident, non-owner SR-22 insurance costs an average of $75 monthly for a liability-only policy. However, rates for a non-owner SR-22 policy can change depending on your driving history, age, credit score, location and desired coverage limits. A one-time SR-22 filing fee of $15 to $25 may apply, which can increase costs.Â
To find the most affordable rates specific to your circumstances, refer to the state-by-state comparison table below.
| Alabama | $131 | $1,573 | 32% |
| Alaska | $32 | $382 | -68% |
| Arizona | $141 | $1,687 | 41% |
| Arkansas | $65 | $785 | -34% |
| California | $78 | $939 | -21% |
| Colorado | $141 | $1,686 | 41% |
| Delaware | $133 | $1,592 | 33% |
| District of Columbia | $74 | $891 | -25% |
| Florida | $287 | $3,442 | 188% |
| Georgia | $109 | $1,313 | 10% |
| Hawaii | $44 | $532 | -56% |
| Idaho | $37 | $446 | -63% |
| Illinois | $115 | $1,380 | 15% |
| Indiana | $41 | $489 | -59% |
| Iowa | $32 | $385 | -68% |
| Kansas | $51 | $614 | -49% |
| Kentucky | $174 | $2,084 | 74% |
| Louisiana | $120 | $1,443 | 21% |
| Maryland | $108 | $1,295 | 8% |
| Michigan | $99 | $1,186 | -1% |
| Minnesota | $114 | $1,370 | 15% |
| Mississippi | $126 | $1,508 | 26% |
| Missouri | $73 | $873 | -27% |
| Montana | $89 | $1,064 | -11% |
| Nebraska | $98 | $1,172 | -2% |
| Nevada | $211 | $2,536 | 112% |
| New Mexico | $109 | $1,309 | 10% |
| New York | $65 | $774 | -35% |
| North Carolina | $102 | $1,228 | 3% |
| North Dakota | $15 | $183 | -85% |
| Ohio | $45 | $536 | -55% |
| Oklahoma | $86 | $1,035 | -13% |
| Oregon | $136 | $1,628 | 36% |
| Pennsylvania | $179 | $2,152 | 80% |
| South Carolina | $87 | $1,046 | -12% |
| South Dakota | $41 | $493 | -59% |
| Tennessee | $78 | $935 | -22% |
| Texas | $103 | $1,238 | 4% |
| Utah | $141 | $1,695 | 42% |
| Virginia | $133 | $1,597 | 34% |
| Washington | $92 | $1,100 | -8% |
| West Virginia | $39 | $463 | -61% |
| Wisconsin | $47 | $569 | -52% |
| Wyoming | $29 | $350 | -71% |
State regulations create dramatic price variations of up to 300% for SR-22 insurance. No-fault states like Florida, New York and New Jersey charge higher premiums because their systems require coverage regardless of which driver is at fault.Â
Several other key factors determine your non-owner SR-22 insurance premium:
Use our proprietary cost calculator to determine your exact non-owner SR-22 insurance costs based on your specific circumstances.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Aug 16, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Obtaining non-owner SR-22 insurance involves several specific steps. The process typically begins after you've been notified by the court or DMV that an SR-22 filing is required. Here's how to secure coverage:
Contact your state's DMV to verify the requirement and understand specific coverage needs, as misunderstanding these requirements could lead to delays in license reinstatement.
Not all companies offer non-owner SR-22 insurance, so identify those that do, saving you time and frustration during your search.
Prepare your driver's license number, SR-22 case number (if applicable) and violation details, as having this information ready streamlines the application process.
Contact multiple insurers for non-owner SR-22 insurance quotes to ensure you're getting competitive rates for this specialized coverage.
Review costs, coverage limits and company reputations to find the best balance of affordability and reliable service.
Select and purchase the most appropriate policy that meets both your state's requirements and your financial situation.
Confirm your insurance company has filed the SR-22 with the state, as this documentation is what ultimately satisfies your legal obligation.
Keep your policy active throughout the required period, as any lapse could reset your filing requirement timeframe and potentially lead to license suspension.
When your SR-22 requirement ends, this document verifies your continuous coverage history and can help reduce future premiums, as most insurers offer better rates to drivers without previous laps in coverage.
Travelers offers the best non-owner SR-22 insurance at just $40 monthly for a liability-only policy, with a MoneyGeek score of 98 out of 100. Progressive follows closely at $59 per month with a score of 96, while State Farm is the cheapest at $33 monthly, with a 94 rating.
Use the table below to compare the best non-owner SR-22 providers based on MoneyGeek's analysis.
| Travelers | $40 | $50 | 98 |
| Progressive | $59 | $80 | 96 |
| State Farm | $33 | $46 | 94 |
| Geico | $89 | $130 | 89 |
| AIG | $90 | $133 | 88 |
| Kemper | $33 | $42 | 85 |
Not all companies offer non-owner SR-22 insurance. Focus on providers with experience handling high-risk drivers, request quotes from multiple insurers to find the best rates and maintain continuous coverage throughout your required filing period. While limitations exist, non-owner SR-22 insurance offers a practical solution for meeting state requirements without vehicle ownership.
A non-owner SR-22 insurance policy is liability-only coverage for drivers who don't own vehicles but need to file SR-22 forms with their state. It provides coverage when you drive borrowed or rented vehicles and helps reinstate your license after serious driving violations.
Generally, no. Most insurers won't issue non-owner SR-22 policies if you have regular access to a household vehicle. Instead, you'll typically need to be added to the existing auto policy with an SR-22 filing. Some specialized providers may offer exceptions with proof you don't drive household vehicles.
Most states require SR-22 filings for three years, though this can range from one to five years depending on the violation severity and your state's regulations. The timeframe begins when your license is reinstated, not when the violation occurred, and continuous coverage is essential throughout this period.
If your policy lapses before your required SR-22 period ends, your insurance company must notify the state. This typically results in immediate license suspension until you reinstate coverage. Additionally, your SR-22 filing period often resets, extending the time you need to maintain this requirement.
Most likely, yes. Once your SR-22 requirement period ends and the filing is removed from your policy, you'll typically see premium decreases. However, the timing and amount depend on your overall driving history, with serious violations like DUIs potentially affecting rates for up to 10 years.
Yes, but the process requires careful coordination. Your new insurer must file a new SR-22 before your current policy cancels to avoid coverage gaps. Any lapse will trigger state notification and possible license suspension. Work with both companies to ensure a seamless transition.
We analyzed data from over 50 insurance providers offering non-owner SR-22 policies across all 50 states to provide accurate, comprehensive information. We gathered premium data directly from insurance filings and state departments of insurance, comparing rates across different driver profiles, violation types and coverage levels.
For consistency in our analysis, we used a standardized driver profile: a 40-year-old with one at-fault accident resulting in property damage between $1,000 to $1,999. We collected quotes for minimum liability coverage required in each state, including bodily injury and property damage liability. All reported averages include SR-22 filing fees where applicable.
Our evaluation considered multiple factors, including:
We present a balanced, accurate view of non-owner SR-22 insurance options, helping you make informed decisions based on your specific circumstances and state requirements.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
