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Average Cost of (and Cheapest) Non-Owner SR-22 Insurance in 2023
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On average, non-owner SR-22 car insurance costs $576 per year. Typically, you must get SR-22 insurance if you are convicted of a major driving violation, such as driving under the influence. This is to prove 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
Non-owner SR-22 insurance costs an average of $573 per year.
Auto-Owners Insurance Co and USAA offer the cheapest average SR-22 insurance policies.
Insurance providers consider the same factors when deciding your SR-22 insurance. This includes your age, location, and driving record.
How Much Is Non-Owner SR-22 Insurance?
The average cost of non-owner SR-22 car insurance per year is $576, with an accompanying one-time filing fee of $25. However, it's important to note that the filing fee and the overall cost can differ depending on your state and chosen provider.
Typically, you need to carry SR-22 insurance after a severe driving violation, such as a DUI. By filing an SR-22, you are identified as a high-risk driver, resulting in increased insurance premiums.
Case in point, needing an SR-22 form can raise your premiums by an average of $162 per year compared to those with clean driving record. However, 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 coverage. Car owners typically pay $741 per year for a policy with an SR-22. In comparison, the cost of non-owner SR-22 insurance is cheaper by $165, priced at an average of $576 yearly.
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Does Non-Owner SR-22 Insurance Cover You in Any Vehicle?
A non-owner SR-22 car insurance policy provides coverage for any vehicle you drive. This policy, known as an operator's policy, is specifically designed for individuals who don’t own a car but need coverage. In simpler terms, your insurance covers you when driving any car that does not belong to you or a household member.
It's important to note that non-owner SR-22 insurance is considered secondary coverage. If you get into an accident while driving a friend's insured car, their insurance would be the primary coverage until it reaches its limit. Afterward, your own coverage would come into effect.
The Cheapest Companies for Non-Owner SR-22 Insurance
The cheapest non-owner SR-22 insurance providers are:
- Auto-Owners Insurance Co ($381 per year)
- USAA ($439 per year)
- State Farm ($601 per year)
For veterans, active military members and their families, USAA is one of the best providers. While rates may be slightly more expensive, USAA has consistently balanced affordable rates and great customer service across states.
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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.
How to Get Non-Owners 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
- USAA: 800-531-8722
- State Farm: 800-782-8332
- GEICO: 800-207-7847
- Progressive: 888-671-4405
- Travelers: 866-248-9970
- Farmers: 888-327-6335
- Nationwide: 877-669-6877
- MetLife: 800-422-4272
What Is Non-Owner SR-22 Insurance?
SR-22, which stands for safety responsibility, 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.
Because it identifies you as a high-risk driver, an SR-22 form can lead to increased premiums. While it won’t make a dent in your savings, it can impact annual premiums by at least $162 annually.
What Does It Cover?
Non-owner SR-22 insurance is limited to liability coverage and does not cover collision or comprehensive coverage. In essence, it’s only required to meet your state’s minimum requirements. Depending on your state’s minimum auto insurance requirements, you might be required to carry SR-22 insurance for at least three years.
If you have non-owner SR-22 insurance, you’ll be covered for bodily injury liability and property damage liability — both of which pay for third-party injuries and damages.
Bodily Injury Liability
Bodily injury liability is responsible for any medical expenses, lost wages and pain and suffering of the other party involved in an accident where you’re at fault. However, it does not extend to cover your injuries or those of your passengers.
Property Damage Liability
Property damage liability insurance covers damage to another person's property, typically their car, and can extend to items inside the vehicle. If you collide with a building, property damage liability insurance will reimburse you for the resulting damage, up to the limit specified in your policy.
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.
Frequently Asked Questions
Finding cheap non-owner SR-22 car insurance can help you keep your finances in check. Our answers to some of the most frequently asked questions about non-owner SR-22 insurance can give you a good starting point.
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