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.

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.

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.

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.

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:

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.

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.

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:

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.

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.

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.