The Pros and Cons of Non Owner SR22 Insurance
Updated: 5 days ago
A non-owner SR-22 is a liability policy for drivers who do not own a vehicle but must file proof of financial responsibility with the state. It covers injuries and property damage you cause while you occasionally borrow a car that is not in your household. A non-owner SR-22 policy is for occasional, infrequent borrowing of a vehicle that is not in your household. It does not cover vehicles registered to you, vehicles registered at your home address, vehicles registered to any family member, or vehicles you have regular access to, including work vehicles and rental cars. Driving for work is only okay when your employer supplies insurance that covers you while you are driving the work vehicle; a non-owner policy does not cover you if you drive that work vehicle after hours.
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If you have recently been convicted of a DUI or other major moving violation, a court or state may have mandated you to carry an SR22 auto insurance policy. What about if you don't own a vehicle?
Does that mean you still need to obtain an SR22 auto insurance policy? Yes! Even if you don't have a car you own, you may still need to get an SR22 auto insurance policy.
This is where a non owner SR22 policy comes into play. If you want to learn more about this insurance policy and what it does and does not cover, then you came to the right place. This brief guide will cover the pros and cons of a non owner car insurance policy and who you can reach out to for more information.
Car Insurance Without a Car
Non owner car insurance, also known as non-drivers insurance, provides a driver liability insurance coverage for those who do not own their own vehicle. If you do not have your own vehicle but frequently drive someone else's car, you will need a non owner insurance policy.
Liability auto insurance pays for any damages or injuries you cause to other people or property in a car accident. It is important to note that this coverage only provides liability insurance coverage.
This means that it only covers the damage to other vehicles or people if you are at fault for an incident. It does not pay for any damages done to the car you borrow.
What Is SR-22 Insurance?
SR22 insurance is not a type of insurance. Instead, it is a certificate of responsibility that many drivers need to obtain per a court or state order. Your auto insurance carrier typically files this form on your behalf to prove that you meet the minimum liability coverage required by your state.
What Is Non Owner SR-22 Insurance?
Now that you know what non owner car insurance is and what an SR22 is let's talk about a non owner SR22 policy. A few auto insurance companies offer non owner SR22 policies because drivers need auto insurance coverage but do not own a vehicle.
Suppose you have recently been convicted of a serious traffic violation such as a DUI. In that case, you may have a court order requiring you to have an SR22 certificate attached to your auto insurance policy. This ensures that you have enough coverage to pay for any damages caused by a future auto accident.
SR-22 Non Owner Car Insurance Pros
There are many reasons why your state may mandate you to obtain an SR22 auto policy. As stated earlier, if you are someone convicted of driving under the influence, you may need to get an SR22 policy so that you can still drive a vehicle.
Other reasons why you may need an sr22 non owner policy:
Previously failed to carry liability insurance on your vehicle
A conviction for driving without an active insurance policy
DWI or other major alcohol offense conviction
Serious moving violation
Habitual traffic offender
To apply for a hardship permit
Reinstate your license after revocation or suspension
If you have any of those listed offenses on your record but still plan on driving, you will need to obtain a non owner SR22 policy.
Some insurance companies can offer you to add other types of insurance to the policy. For example, an auto insurer may provide you with the opportunity to add medical payments/personal injury protection or uninsured/underinsured coverage.
Medical Payments
Medical payments help to pay for your injuries sustained in an auto accident. This coverage will only cover the medical bills associated with the accident.
Personal injury protection also covers your medical bills, but it has the added benefit of paying for any wages lost while you were out of work recovering from your injuries. You can use these coverages, regardless of who is at fault for the accident.
Uninsured/Underinsured Coverage
If you are involved in an accident with another vehicle that does not have insurance, you can use your uninsured coverage to pay for the damages done to your car. If a vehicle hits you and does not have enough insurance to cover your damages, you can use your underinsured coverage.
Depending on where you live, there is a deductible associated with this coverage. A deductible may apply, depending on the coverage and your state.
SR-22 Non Owner Car Insurance Cons
The biggest con of these non owner car insurance policies is the fact that there are no first-party coverages. This means that if you are involved in an accident, there is no coverage to take care of the damages caused to the vehicle you drive.
Secondary Insurance
Non owner insurance policies are mostly considered secondary coverages. In other words, your non owner insurance policy only kicks in if there is no coverage on the vehicle you drive. For example, let's say that you borrow your cousin's car, and they have full coverage on their policy.
If you get into an accident, your cousin's vehicle insurance will cover the damages. If your cousin's vehicle did not have any insurance, then your policy will kick in and cover for the damages caused. Keep in mind that if your cousin does not have any coverages for their vehicle's repairs, your non owner policy will not cover the damages either, as it is only a liability policy.
High Insurance Rates
Another major con of these SR22 insurance policies is their high rates. The main reason these policies are much higher than the average driver is the risk associated with insuring you.
If you received a DUI conviction or other reckless behavior type of conviction, you are seen as a higher risk to insure. To mitigate the risk associated with insuring you, they increase your premium rates.
The good thing is after you take off the SR22 certificate from your auto insurance policy, your rates will most likely lower significantly. Even though your previous incidents may be seen as a risk, your insurance policy will most likely won't cost as much as a policy with an SR22 attached.
Can I Cancel My Non Owner SR-22 Policy?
If you purchase a vehicle at any time during your policy period, you will need to reach out to your insurer to cancel your non owner SR22 policy. They may not cancel your policy.
Instead, they will switch your policy from a non owner policy to a standard sr22 policy. If you fail to let your auto insurance company know about your new car and you get into an accident, the coverages under your non owner policy may be denied.
Suppose you want to cancel your policy because you don't want to pay for the non owner policy. However, you are still court-mandated to carry the minimum liability insurance coverages.
In that case, it is best that you do not cancel your policy. Your insurer has an obligation to let the court know about your insurance policy status.
If you cancel your policy, they will let the state know, with huge consequences. For example, you may need to start the process of obtaining a new SR22 policy all over again, or you may have your license suspended.
Overall Cost of Non Owner SR-22 Insurance
As mentioned earlier, most SR22 insurance policies come at a high rate due to insurance companies' risk when insuring you. A few reputable SR22 insurance companies offer you the best rate possible for their non owner SR22 policies.
The cost of your policy depends on:
Where you live
The coverage limits
How often do you plan on driving
The insurance company's rates for SR22 policies
Remember that even though your policy may be higher than the average driver, your non owner policy should cost less than a standard SR22 policy. Make sure that you compare quotes from different SR22 auto insurance companies to get the best rate.
Get Your Non Owner SR-22 Insurance Quote Today
If you frequently borrow a vehicle, but you also need to obtain an SR22 insurance policy, you will want to look into getting a non owner SR22 policy. This insurance policy offers you liability insurance in the event that you are involved in an accident.
This non owner SR22 policy will also ensure that you meet the state minimum liability auto insurance. If you are ready to obtain your non owner SR22 policy, submit your information for a free quote. We offer the best rates, and our team is here to help you with any questions or concerns about your new auto insurance policy.
Owner vs Non-Owner SR-22
An SR-22 is not a type of insurance. It is a certificate your insurer files with the state to prove you carry the required liability coverage. An owner SR-22 attaches to a policy that covers a vehicle registered to you. A non-owner SR-22 attaches to a liability policy for a driver who does not own a car.
A non-owner SR-22 policy is for occasional, infrequent borrowing of a vehicle that is not in your household. It does not cover vehicles registered to you, vehicles registered at your home address, vehicles registered to any family member, or vehicles you have regular access to, including work vehicles and rental cars. Driving for work is only okay when your employer supplies insurance that covers you while you are driving the work vehicle; a non-owner policy does not cover you if you drive that work vehicle after hours.
How to Get a Non-Owner SR-22
Compare quotes from insurers that will file an SR-22, choose a non-owner liability policy if you truly do not own a vehicle and do not have regular access to one, and let the insurer file the certificate electronically with your state. Keep the policy in force for the full period your state requires. A lapse can suspend your license again and may restart the clock.
We help drivers in California, Arizona, Nevada, Texas, Ohio, and Washington get coverage with $0 broker fees and same-day filing when the insurer and the state accept an electronic file.
State SR-22 Pages We Serve
Rules differ by state, especially how long the filing lasts and how reinstatement works. Start with the official agency page for your state, then see our state guides for California, Arizona, Nevada, Texas, Ohio, and Washington.
Official state resources
For the current rule that applies to you, read the official page rather than relying on memory or a quote. These are the state sources this guide is written to stay consistent with:
Related SR-22 guides
Frequently Asked Questions
What is non-owner SR-22 insurance?
It is a liability policy paired with an SR-22 certificate for a driver who does not own a vehicle. A non-owner SR-22 policy is for occasional, infrequent borrowing of a vehicle that is not in your household. It does not cover vehicles registered to you, vehicles registered at your home address, vehicles registered to any family member, or vehicles you have regular access to, including work vehicles and rental cars. Driving for work is only okay when your employer supplies insurance that covers you while you are driving the work vehicle; a non-owner policy does not cover you if you drive that work vehicle after hours.
Does a non-owner SR-22 cover rental cars or a family member's car?
No. A non-owner policy does not cover rental cars, vehicles registered to you, vehicles registered at your home address, vehicles registered to any family member, or vehicles you have regular access to, including work vehicles.
What happens if my SR-22 lapses?
your state motor vehicle agency can suspend your driving privilege again if a required filing is cancelled or lapses. Contact an insurer right away so a new certificate can be filed, then complete any reinstatement steps your state lists.
How do I get an SR-22 without paying a broker fee?
Compare insurers that will file the certificate in your state, then apply. We charge $0 broker fees and can help with same-day filing when the insurer and the state accept an electronic file. You can also call 855-772-2728.
Want help finding coverage? Get a free quote or call 855-772-2728.
Questions about a filing? Call 855-772-2728. We offer $0 broker fees and same-day filing when the insurer and your state accept an electronic SR-22.
Non-owner SR22 insurance can be a practical option for drivers who need to meet legal requirements without owning a vehicle. This article does a great job of explaining both the benefits and the limitations, making it much easier for readers to understand whether this type of coverage is right for them.
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