Non-Owner SR-22 Insurance


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Key Takeaways

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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.

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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.

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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.

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What Is Non-Owner SR-22 Insurance?

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. 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.

Unlike standard auto insurance that covers a specific vehicle and its regular drivers, non-owner insurance follows you as the driver. The coverage activates as secondary insurance when the vehicle owner's policy won't cover you or provide sufficient limits for damage you cause.

Feature
Non-Owner Insurance
Standard Auto Insurance

What's covered

You as a driver

Specific vehicle + listed drivers

Coverage types

Liability only

Liability + comprehensive + collision

Monthly cost

$30-$75

$43-$180

Annual cost

$360-$900

$516-$2,160

What Does Non Owner SR-22 Insurance Cover?

Non-owner SR-22 insurance provides liability-only coverage, which pays for third-party injuries and property damage if you cause accidents resulting in injuries or property damage to others. Coverage follows you as the driver rather than insuring a specific vehicle, with typical policies including bodily injury liability, property damage liability, and optional uninsured motorist coverage.

Bodily injury liability covers injuries you cause to others in accidents where you're at fault, including medical expenses, lost wages, pain and suffering damages, and legal defense costs. Property damage liability covers damage to others' property, such as repairs to other vehicles, damage to structures like buildings and fences, and damage to public property like traffic signals and guardrails.

Use the table below to learn more about non-owner SR-22 policies to see if their coverage is adequate for your protection needs or if you need to add additional coverage.

Coverage limits explained

Non-Owner SR-22 Coverage Type
What It Covers
Typical Limits
Monthly Cost Addition

Bodily Injury Liability

Other people's injuries

100/300

$35-$50

Property Damage Liability

Others' property

$50,000-$100,000

$5-$15

Uninsured Motorist

Your injuries (uninsured driver hits you)

100/300

$5-$15

MedPay/PIP

Your medical bills

$1,000-$10,000

$5-$25

What Does SR-22 Insurance Not Cover?

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.

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    Damage to the Vehicle You're Driving

    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.

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    Your Medical Costs

    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.

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    Vehicles You Own or Drive Regularly

    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.

Who Needs Non-Owner SR-22 Insurance?

Non-owner SR-22 car insurance benefits drivers who need SR-22 filing without owning a vehicle. Typically people who frequently borrow cars (monthly or more), regularly rent vehicles for business or travel (more than 20 days a year),or are maintaining continuous coverage between vehicles to avoid rate increases of 10% to 50%. You don't need it if you rarely drive , only drive household vehicles, have a company car, or never drive.

Benefits of Non-Owner SR-22 Insurance

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.

Non-Owner SR-22 Insurance Cost

The national average cost for a non-owner SR-22 insurance policy is approximately $75 per month for a liability-only policy, or around $900 per year. Prices vary by state with estimates for non-owner SR-22 insurance ranging from $30 to $85 per month or $360 to over $1,000 annually. A one-time SR-22 filing fee of $15 to $25 may apply, which can increase costs. Find your state below to better understand how much you should pay for coverage without a car.

Alabama$80$960-3%
Alaska$55$663-34%
Arizona$77$922-7%
Arkansas$47$564-43%
California$101$1,21325%
Colorado$79$942-5%
Connecticut$167$1,998101%
Delaware$79$950-4%
District of Columbia$71$856-13%
Florida$106$1,27233%
Georgia$70$835-14%
Hawaii$123$1,47349%
Idaho$38$459-54%
Illinois$52$622-37%
Indiana$52$619-36%
Iowa$40$475-53%
Kansas$48$577-42%
Kentucky$90$1,08412%
Louisiana$119$1,43051%
Maine$61$731-25%
Maryland$77$928-7%
Massachusetts$95$1,13714%
Michigan$298$3,578257%
Minnesota$71$846-18%
Mississippi$75$902-8%
Missouri$74$883-12%
Montana$55$658-31%
Nebraska$60$720-30%
Nevada$99$1,18621%
New Hampshire$71$847-14%
New Jersey$153$1,84092%
New Mexico$69$832-17%
New York$117$1,40944%
North Carolina$197$2,365144%
North Dakota$37$444-55%
Ohio$78$937-5%
Oklahoma$51$615-39%
Oregon$77$925-5%
Pennsylvania$76$913-8%
Rhode Island$130$1,55558%
South Carolina$93$1,12014%
South Dakota$37$447-54%
Tennessee$59$707-28%
Texas$75$899-9%
Utah$78$932-5%
Vermont$52$618-34%
Virginia$61$731-25%
Washington$70$838-13%
West Virginia$61$731-25%
Wisconsin$50$596-40%
Wyoming$30$365-62%

Factors That Affect Non-Owner SR-22 Insurance Costs

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. 

Several other key factors determine your non-owner SR-22 insurance premium:

  • Violation type and severity: DUIs typically increase premiums more than other violations.
  • Driving history: Multiple violations lead to steeper rate increases.
  • Location: State regulations and local risk factors significantly impact pricing.
  • Age and driving experience: Younger drivers pay substantially more.
  • Credit history: In most states, poor credit can increase premiums by 30% to 50%.
  • Coverage limits: Higher limits cost more but provide better protection.
  • Insurance company: Rates vary widely between providers for identical coverage.
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HOW DO STATE MINIMUM LIABILITY LAWS AFFECT NON-OWNER SR-22 INSURANCE COVERAGE?

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 State Requirements

SR-22 filing requirements usually occur after DUIs , driving without insurance , multiple violations, and at-fault accidents , or license suspensions. 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.

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:

Alabama3 yearsDUI, DWI, driving without insurance, serious traffic offenses, and reinstatement after a license suspensionThe individual who needs to reinstate their driving privilegesSR-22
Alaska3 yearsDUI, driving without insurance, major traffic violations, and reinstatement after a license suspensionThe individual or their insurance companySR-22
Arizona3 yearsDUI, reckless driving, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22
Arkansas3 yearsDUI, driving without insurance, serious traffic offenses, and reinstatement after a license suspensionThe individual or their insurance companySR-22
California3 yearsDUI, reckless driving, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22
Colorado3 yearsDUI, driving without insurance, and serious traffic offensesThe individual or their insurance companySR-22
Connecticut3 yearsDUI, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22
Florida3 yearsDUI, reckless driving, driving without insurance, and serious traffic offensesThe individual or their insurance companyBoth
Georgia3 yearsDUI, reckless driving, driving without insurance, and serious traffic offensesThe individual or their insurance companySR-22
Hawaii3 yearsDUI, driving without insurance, major traffic violations, and reinstatement after a license suspensionThe individual or their insurance companySR-22
Idaho1-3 yearsDUI, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22
Illinois3 yearsDUI, driving without insurance, serious traffic offenses, and reinstatement after a license suspensionThe individual or their insurance companySR-22
Indiana3-5 yearsDUI, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22
Iowa2 yearsDUI, driving without insurance, and serious traffic offensesThe individual or their insurance companySR-22
Kansas1 yearDUI, driving without insurance, serious traffic offenses, and reinstatement after a license suspensionThe individual or their insurance companySR-22
Louisiana3 yearsDUI, driving without insurance, serious traffic offenses, and reinstatement after a license suspensionThe individual or their insurance companySR-22
Maine3 yearsDUI, driving without insurance, major traffic violations, and reinstatement after a license suspensionThe individual or their insurance companySR-22
Michigan3 yearsDUI, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22
Minnesota3 yearsDUI, driving without insurance, and serious traffic offensesThe individual or their insurance companySR-22
Mississippi3 yearsDUI, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22
Missouri2-3 yearsDUI, driving without insurance, and serious traffic offensesThe individual or their insurance companySR-22
Montana3 yearsDUI, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22
Nebraska3 yearsDUI, driving without insurance, and serious traffic offensesThe individual or their insurance companySR-22
Nevada3 yearsDUI, driving without insurance, and serious traffic offensesThe individual or their insurance companySR-22
New Hampshire3 yearsDUI, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22
North Dakota3 yearsDUI, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22
Ohio3 yearsDUI, driving without insurance, and serious traffic offensesThe individual or their insurance companySR-22
Oregon3 yearsDUI, driving without insurance, and serious traffic offensesThe individual or their insurance companySR-22
South Carolina3 yearsDUI, driving without insurance, and serious traffic offensesThe individual or their insurance companySR-22
South Dakota3 yearsDUI, driving without insurance, and serious traffic offensesThe individual or their insurance companySR-22
Tennessee3-5 yearsDUI, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22
Texas2 yearsDUI, driving without insurance, and serious traffic offensesThe individual or their insurance companySR-22
Utah3 yearsDUI, driving without insurance, and serious traffic offensesThe individual or their insurance companySR-22
Vermont3 yearsDUI, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22
Virginia3 yearsDUI for FR-44, driving without insurance, and serious traffic offenses for SR-22The individual or their insurance companyBoth
Washington3 yearsDUI, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22
West Virginia3 yearsDUI, driving without insurance, and serious traffic offensesThe individual or their insurance companySR-22
Wisconsin3 yearsDUI, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22
Wyoming3 yearsDUI, driving without insurance, and major traffic violationsThe individual or their insurance companySR-22

State Specific Non-Owner SR-22 Insurance Requirements

FR-44 Form

SR-21 Form

SR-22A Form

SR-50 Form

Best Cheap Non-Owner SR-22 Insurance Companies

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.

Best Customer ServiceTravelers4.88$40$50-62%
Best Competitive RatesProgressive4.78$59$80-41%
Best Overall ValueState Farm4.71$33$46-67%
Best for Teens and Young AdultsGeico4.42$89$130-8%
Best for Discount OpportunitiesAIG4.41$90$133-6%
Best for DUIsKemper4.25$33$42-68%

How to Get Non-Owner SR-22 Insurance

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:

  1. 1

    Confirm your need for an SR-22

    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.

  2. 2

    Research insurance providers

    Not all companies offer non-owner SR-22 insurance, so identify those that do, saving you time and frustration during your search.

  3. 3

    Gather the necessary information

    Prepare your driver's license number, SR-22 case number (if applicable) and violation details, as having this information ready streamlines the application process.

  4. 4

    Request quotes

    Contact multiple insurers for non-owner SR-22 insurance quotes to ensure you're getting competitive rates for this specialized coverage.

  5. 5

    Compare offerings

    Review costs, coverage limits and company reputations to find the best balance of affordability and reliable service.

  6. 6

    Purchase a policy

    Select and purchase the most appropriate policy that meets both your state's requirements and your financial situation.

  7. 7

    Verify filing

    Confirm your insurance company has filed the SR-22 with the state, as this documentation is what ultimately satisfies your legal obligation.

  8. 8

    Maintain coverage

    Keep your policy active throughout the required period, as any lapse could reset your filing requirement timeframe and potentially lead to license suspension.

  9. 9

    Request an insurance letter of experience

    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.

Non-Owner SR-22 Car Insurance: Bottom Line

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.

SR-22 Insurance: FAQ

What exactly is a non-owner SR-22 insurance policy?

Can I get non-owner SR-22 insurance if I live with someone who owns a car?

How long will I need to carry non-owner SR-22 insurance?

What happens if my non-owner SR-22 insurance policy lapses?

Will my rates decrease after the SR-22 requirement ends?

Can I switch insurance companies while maintaining an SR-22?

How We Rated the Best Non-Owner SR-22 Providers

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:

  • Premium costs across different states and regions
  • Coverage options and limitations
  • Filing processes and requirements
  • Eligibility criteria for non-owner policies
  • Company availability and specialization in high-risk insurance

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


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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.


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