Average Cost of (and Cheapest) Non-Owner SR-22 Insurance

If you don’t own a car, purchasing non-owner SR-22 insurance allows you to show proof of financial responsibility after a major driving violation. It costs, on average, $1,020 each year — around $500 cheaper than a standard SR-22 car insurance policy.

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Last Updated: 9/2/2022
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You could get your license suspended if you are convicted of a major driving violation, such as driving under the influence. To have it reinstated, you need to file for SR-22 insurance to guarantee to the state that your policy meets its minimum car insurance requirements. Your car insurance provider can process the SR-22 form on your behalf once you request it. Non-owner SR-22 insurance is a low-cost option to show proof of financial responsibility if you do not own a vehicle but regularly borrow or rent a car.

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Key Takeaways


On average, non-owner SR-22 insurance costs $1,020 per year.


USAA and GEICO offer the cheapest average SR-22 insurance.


The exact rates and availability of policies may vary depending on several factors, including where you live.

How Much Is Non-Owner SR-22 Insurance?

The price difference between policies with and without SR-22 forms is significant. Typically, you need to carry SR-22 insurance after a severe driving violation such as a DUI. Your provider can file the form for you for a one-time fee of around $25. Filing an SR-22 categorizes you as a high-risk driver, resulting in higher premiums.

Compared to a standard policy, purchasing non-owner car insurance is cheaper. Similarly, non-owner SR-22 insurance is significantly less expensive than a typical SR-22 policy with the same coverages. Car owners typically pay $1,523 per year for a policy with an SR-22. In comparison, the cost of non-owner SR-22 insurance is cheaper by more than $500, priced at an average of $1,020 yearly.

Average Cost of Non-Owner SR-22 Insurance Compared to Other Policies

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  • Policy
    Annual Premium
  • SR-22 Non-Owner Car Insurance
  • SR-22 Regular Car Insurance
  • Non-Owner Car Insurance - Safe Driver
  • Regular Car Insurance - Safe Driver

The rates listed above are for policies with liability limits of 50/100/50. For more details, see our “Methodology” section at the end of this article.

The Cheapest Companies for Non-Owner SR-22 Insurance

How much non-owner SR-22 insurance costs varies between providers but, on average, is around $1,020 per year. The two carriers offering the cheapest, widely available car insurance policies for people with SR-22s who don’t own vehicles are:

  • GEICO: $455 per year
  • Travelers: $476 per year

If you’re part of the military — whether retired or on active duty — USAA is the most affordable option for you and your family.

To find the best deal possible, it’s best to gather non-owner SR-22 insurance quotes and compare car insurance rates before settling on a policy. It may lead to hundreds of dollars worth of savings.

The Cheapest Non-Owner SR-22 Insurance Policies

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The Cheapest Non-Owner SR-22 Insurance by State

Insurance providers consider several factors when setting premiums for car insurance policies, including where you live. They follow the same process when calculating rates for non-owner SR-22 insurance.

After comparing non-owner SR-22 insurance quotes across the country, MoneyGeek found that GEICO offers the most affordable rates in 31 states. That makes it a good option for cheap non-owner SR-22 insurance if you have a DUI or other serious infraction on your record. MoneyGeek's analysis excludes USAA since their policies are only available to present or former military members and their families.

Cheapest Non-Owner SR-22 Insurance by State - Average Annual Premiums

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  • State
    Annual Premium
  • AK
    State Farm
  • AL
  • AR
  • AZ
    State Farm
  • CA
  • CO
  • CT
    State Farm
  • DC
  • DE
  • FL
  • GA
    State Farm
  • HI
    State Farm
  • IA
    State Farm
  • ID
    State Farm
  • IL
    State Farm
  • IN
  • KS
    State Farm
  • KY
    State Farm
  • LA
    State Farm
  • MA
    State Farm
  • MD
  • ME
  • MI
  • MN
    State Farm
  • MO
    State Farm
  • MS
  • MT
    State Farm
  • NC
    State Farm
  • ND
    State Farm
  • NE
  • NH
  • NJ
  • NM
    State Farm
  • NV
    State Farm
  • NY
  • OH
    State Farm
  • OK
  • OR
    State Farm
  • PA
  • RI
  • SC
  • SD
    State Farm
  • TN
  • TX
    State Farm
  • UT
  • VA
  • VT
  • WA
  • WI
  • WV
    State Farm
  • WY

How to Get Non-Owner SR-22 Quotes

In some states, insurance carriers may offer standard policies but not non-owner SR-22 insurance. Unlike typical car insurance policies, most companies will not provide a quote for non-owner SR-22 insurance online. If you want to get sample rates, you’ll have to call the carriers in your state. To make this easier, MoneyGeek has listed the contact details of several major insurance companies that offer SR-22 insurance even if you don’t have a car.

Contact Information For Non-Owner SR-22 Insurance Quotes

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  • Company
    Contact Number
  • 1.
  • 2.
    State Farm
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  • 7.
  • 8.

What Is Non-Owner SR-22 Insurance?

Despite being termed as insurance, the SR-22 is a form attached to a car insurance policy. It serves as proof of financial responsibility, assuring the state that your coverage limits meet its minimum insurance requirements. Typically, the state requires an SR-22 from drivers convicted of severe driving violations such as a DUI. Non-owner SR-22 insurance works the same way but for drivers who don’t own cars.

Non-owner SR-22 insurance includes coverage for bodily injury and property damage liability but not collision or comprehensive insurance. Although a non-owner SR-22 policy is only required to meet the state's minimum liability requirements, the cost of damages incurred from accidents may exceed your limits. It also does not protect you against expenses from injuries you or your passengers may sustain.

These are some of the different factors to consider when deciding how much car insurance you need.

Who Should Get Non-Owner SR-22 Insurance and Why

If you’re convicted of a severe driving violation, such as driving without insurance or driving under the influence, your driver’s license may be suspended. The state will require you to show proof of financial responsibility in the form of an SR-22 before reinstating your license. Non-owner SR-22 insurance works the same way, but it's for drivers who don't have a car but frequently drive a rental or borrow one from relatives or friends.

Purchasing non-owner SR-22 insurance is an affordable option that allows you to show financial responsibility. It assures the state that your car insurance policy meets the minimum requirements.

Non-owner SR-22 insurance policies include liability coverage, which protects you from third-party expenses you may incur should you cause an accident, including medical care and property damage.


MoneyGeek analyzed non-owner car insurance quotes for drivers with a DUI on their record to approximate the cost of insurance for someone required to file an SR-22. This analysis was for companies and quotes throughout the country in every state. The non-owner car insurance policy quoted had limits of:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

About the Author


Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.