Non-Owner SR-22 Insurance Explained

Need an SR-22 but don't own a car? Learn how a non-owner SR-22 policy works and how to get one.

If your license is suspended following a DUI and you do not own a vehicle, you cannot simply wait out the suspension. Almost all states require you to fulfill an SR-22 filing obligation before they will restore your driving privileges. To do this without a car, you must purchase a Non-Owner SR-22 insurance policy.

What is a Non-Owner Policy?

A non-owner policy provides secondary liability coverage for bodily injury and property damage when you are driving a vehicle you do not own (like a friend's car or a rental). Crucially, it allows an insurance carrier to file an SR-22 certificate with the DMV on your behalf.

Cost Comparison

Because you do not have regular access to a vehicle, insurance companies view you as a lower frequency risk. As a result, non-owner SR-22 policies are significantly cheaper than standard SR-22 auto policies. While a standard high-risk policy might cost $250 per month, a non-owner policy frequently costs between $50 and $100 per month.

Important Restrictions: You cannot purchase a non-owner policy if you have a vehicle registered in your name, or if you regularly drive a vehicle owned by someone in your immediate household. The policy is strictly for occasional, borrowed vehicle use.