Non-Owner SR-22 Insurance
Don't own a car? You can still get SR-22 insurance. Non-owner policies are the cheapest way to satisfy your state requirement and reinstate your license.
Save 30-50% Without a Vehicle
Non-owner SR-22 policies typically cost $200-800/year compared to $1,500-5,000+ for standard SR-22 policies with a vehicle.
What Is Non-Owner SR-22?
A special insurance policy for drivers who need SR-22 but don't own a vehicle
How It Works
Non-owner SR-22 insurance provides liability coverage when you drive vehicles you don't own. It's attached to you as a driver, not to a specific vehicle. Your insurance company files the SR-22 certificate with the state, satisfying your requirement for financial responsibility and allowing you to reinstate your license—even without owning a car.
Significantly Cheaper
Non-owner policies typically cost 30-50% less than standard SR-22 policies since there's no vehicle to insure for comprehensive or collision.
Satisfies SR-22 Requirement
The SR-22 filing works exactly the same way. Your insurer files the certificate with the state to prove financial responsibility.
Drive Any Non-Owned Vehicle
You get liability coverage when driving borrowed cars, rental vehicles, or work vehicles you don't own.
Maintains Continuous Insurance History
Even without a car, maintaining coverage prevents gaps that could hurt your rates when you do buy a vehicle.
Non-Owner vs Standard SR-22 Cost
How much you can save without a vehicle
| Policy Type | Annual Cost | Notes |
|---|---|---|
| Standard SR-22 Policy | $1,500 - $5,000+ | Full coverage with vehicle |
| Non-Owner SR-22 Policy | $200 - $800 | Liability only, no vehicle |
| Typical Savings | 30-50% | Compared to owned vehicle |
Who Needs Non-Owner SR-22?
Common situations where non-owner SR-22 makes sense
What Non-Owner SR-22 Covers
Understanding the coverage and limitations
What's Covered
- Bodily injury to others
- Property damage you cause
- Legal defense costs
- Court judgment costs up to limits
What's NOT Covered
- Damage to the car you're driving
- Your own medical expenses
- Theft of your belongings
- Vehicles you regularly use
Important Limitations
Non-owner SR-22 has specific restrictions you need to understand:
- •No coverage for household vehicles: If someone in your household owns a car, non-owner won't cover you when driving it regularly.
- •No collision/comprehensive: Damage to the car you're driving isn't covered—only damage you cause to others.
- •Regular use exclusion: If you drive the same borrowed car frequently, that vehicle should be on a standard policy instead.
- •Must switch when you buy a car: If you purchase a vehicle, you'll need to convert to a standard auto policy with SR-22.
How to Get Non-Owner SR-22
The process is similar to standard SR-22
Contact Insurers
Call companies that offer non-owner SR-22. Not all do—try Progressive, Dairyland, The General, or GEICO.
Get Quotes
Compare at least 3-5 quotes. Specify you need "non-owner SR-22" to get accurate pricing.
Purchase Policy
Choose coverage meeting your state minimums. The insurer files the SR-22 with the state.
Reinstate License
Once SR-22 is on file, pay any reinstatement fees to the DMV to get your license back.
Frequently Asked Questions
Can I drive any car with non-owner SR-22?
You can drive borrowed, rented, or employer vehicles on an occasional basis. However, if you regularly drive the same vehicle (like a family member's car), that car should have its own policy listing you as a driver.
What happens when I buy a car?
You'll need to convert to a standard auto insurance policy with SR-22. Contact your insurer before purchasing to ensure seamless transition and no gap in coverage.
Does non-owner SR-22 cover rental cars?
Yes, non-owner policies provide liability coverage for rental vehicles. However, you may still want the rental company's collision damage waiver (CDW) to cover damage to the rental car itself.
Will non-owner SR-22 count toward my insurance history?
Yes. Maintaining continuous non-owner coverage demonstrates financial responsibility and can help you get better rates when you eventually buy a vehicle. A gap in coverage can hurt future rates.
Related Guides
Sources
Non-owner policy information verified with major insurance carriers and state insurance regulations.
Last updated: January 8, 2026
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