Non-Owner SR-22 Car Insurance

Non-owner SR-22 car insurance is for drivers who do not own a vehicle but are required to file an SR-22 with their state DMV. An SR-22 insurance is a government form filed with your state’s Department of Motor Vehicles that serves as proof of auto insurance to allow mainly high-risk drivers to drive legally. Keep in mind that if you live in a household where someone owns a car, you most likely will not be able to purchase non-owner SR-22 vehicle insurance.

Your insurance company will charge somewhere between $15 and $25 to file your SR-22 certificate with the state. After that, your non-owned SR-22 car insurance will cost just slightly more (between 3-5%) than regular non-owner insurance.

Non-owned SR-22 car insurance quotes are cheaper than regular car insurance since you won’t be driving on the roads as much now that you do not have regular access to a vehicle. This is why if you live in a household where someone does own a car, you will not qualify for this type of insurance.

No, but in many cases, high-risk drivers who have been ordered to file an SR-22 insurance certificate with the state DMV after a conviction will need to purchase it. It’s one way the state makes certain that a person who has been convicted of a major offense will not be driving without insurance. Non-owner car insurance includes bodily injury and property damage in a liability insurance policy for drivers who typically use rental cars or borrow someone else’s car to get around, but who do not need to have an SR-22 on file.

It may be necessary if you’ve been designated a high-risk driver by your state and ordered to file an SR-22 certificate. Even if you are currently without wheels, in these circumstances, you will still need to show the state that you have some form of acceptable high-risk car insurance.

You’ll need to find an insurance company that offers insurance with SR-22 first. You may need to do some car insurance comparison shopping to find a rate you can afford. Once you purchase your car insurance, your insurance company will file the SR-22 certificate with the state.

Keep in mind that most states require insurance companies to alert them in real time if there is a lapse in coverage or if a policy is cancelled. If your SR-22 insurance coverage lapses, it may be harder to find an insurance company willing to work with you.