The Ultimate Guide to Non-Owner SR-22 Insurance

The Ultimate Guide to Non-Owner SR-22 Insurance

You speak about 7,000 words daily, and very few are about insurance.

But that all changes when you need to file for a non-owner SR-22 insurance policy. This type of policy is a serious matter, and not getting it in a timely fashion can cost you (big time).

If you’re unfamiliar with the process, it can be confusing and even a little overwhelming. But don’t worry, we’re here to help. This article will cover everything you need to know about getting SR22 quotes and keeping costs reasonable. 

Read on to learn all about non-owner policies for SR-22.

What Is Non-owner SR-22 Insurance?

What is non-owner SR-22 insurance? Non-owner SR-22 auto insurance is a type of coverage for people who don’t own a car but still need to have proof of financial responsibility in order to drive.

States often require this for drivers whose license undergoes a suspension or revocation. The offense is typically DUI/DWI or other serious traffic offenses.

What Does It Cover?

Non-owner SR22 insurance typically has the same coverage as a regular auto insurance policy, including liability, collision, and comprehensive coverage. The main difference is that it can be more expensive since you’re considered a high-risk driver.

Why Get Insurance When I Don’t Have a Car

Yes, even if you don’t own a car, you may have to maintain an SR-22 filing. Remember, that’s why it’s non-owner SR-22 insurance. This type of policy is for people who don’t own vehicles but still need to satisfy an SR-22 requirement.

What if I Buy a Car?

What happens if you buy a car, does your SR-22 stay active? The insurance company will discontinue the SR-22 once you’ve provided proof that you sold the car. If you buy a new car, you’ll have to get new insurance and file an SR-22 for the new policy.

How Can I Be Sure I Need This Coverage?

Insurance can be an intimidating topic, and it’s easy to confuse one policy with another. You might wonder, “Do I really need a nonowner SR-22 policy?”. Let’s review the most common SR-22 scenarios.

A drunk-driving conviction will almost always require an SR-22 filing. If you’re caught driving recklessly, you may have to file.

Did you cause an accident? It’s more likely you’ll have to file for an SR-22 if you cause a serious accident.

If you have several traffic violations within a short period of time, an SR-22 may follow. Last but not least, if you’re caught driving without insurance and get pulled over, you may have to file. If any of these situations sound familiar, an SR-22 mandate might not be far behind.

How Do I Get Non-owner SR22 Insurance?

If you need non-owner SR22 insurance, you’ll have to contact your auto insurance company and request it. You may also be able to find a policy through an online insurance provider. Be sure to compare rates and coverage options before buying a policy to make sure you’re getting the best deal.

Tips for Getting Quotes

Since there are over 1.5 million people arrested for DUI each year, SR-22 filings are fairly common. Getting quotes is a lot easier than you might think.

If you’re looking for SR-22 insurance and want the most accurate quote possible, you should keep a few things in mind. First, always call a broker or use their site to receive quotes online. This way, you can be sure that all of the information you provide is accurate and that the broker understands your needs well.

Second, have your information ready before you call. This includes knowing the make and model of your car, your driving history, and any other factors that may affect your rates. The more prepared you are, the easier it will be to get an accurate quote.

Third, remember that you may be eligible for discounts if you choose to autopay or pay your policy in full. These discounts can save you significant money, so be sure to ask about them when you’re getting your quote.

Finally, remember that you may have to pay a filing fee when purchasing SR-22 insurance. This fee is typically around $25, but it can vary depending on your state and the insurer you choose.

More About Policy Cost Factors

If you’re required to have SR-22 insurance, it’s important to understand all of the factors that affect your rates. By exploring each company’s offer, you can be sure you’re getting the best possible deal on your coverage. Your car’s make and model, your driving history, and the amount of coverage you need are all important factors that will affect your rates.

SR-22 insurance is more expensive than standard insurance. The exact cost will vary depending on your individual circumstances.

Make things easier by creating a new budget. You can use these tips to find extra money in your monthly budget. Soon enough, the SR-22 will be a thing of the past, and you’ll have new budgeting skills.

Explore Discount Opportunities

We mentioned you could receive discounts for paying in full or setting up auto pay. But did you know you could also receive a discount if you’re a low-mileage driver? If you don’t drive often, some insurers will give you a break on your rates.

Discounts are also available if you have a clean driving record or take a defensive driving course. If you’re unsure what discounts are available, be sure to ask your insurer. They’ll be happy to go over all the different ways you could save on your policy.

Remember, even though SR-22 insurance is more expensive than standard auto insurance, there are still plenty of opportunities to save on your coverage. You can keep your costs down by shopping around and taking advantage of discounts.

Insurance Mistakes to Avoid

You can avoid costly mistakes when you understand all of the requirements and follow them carefully. Here are some mistakes to avoid when filing for a non-owner SR-22 policy.


Not understanding the requirements of an SR-22 policy. Make sure you know how long you need to maintain the policy, what kinds of coverage it must include, and any other specific requirements.


Failing to get an SR-22 when required. If you’re told by a court or your state DMV that you need to carry an SR-22, don’t put it off. The longer you wait, the greater the chance that you’ll be caught driving without the proper insurance and face even more penalties.


Shopping for the cheapest policy without understanding what you need. It’s important to make sure you’re getting the right coverage for your needs, not just the cheapest option. Otherwise, you could end up facing expensive repairs or even legal troubles if you’re in an accident and don’t have enough coverage.


Sign up with the first company you find. It pays to shop around and compare rates from different companies before buying a policy. You may be able to find a better deal by doing some research.


Thinking that your regular insurance policy will cover you while driving without an SR-22. If you’re required to have an SR-22, your regular insurance policy won’t suffice. You’ll need to purchase a separate policy that meets the requirements of your state.

Avoiding these mistakes will help you get the right coverage at the best price possible. If you have any questions about non-owner SR-22 policies, ask a licensed agent for advice.

Can You Drive Other Cars?

If you have your own car and insurance, you are most likely covered to drive other cars as well. You will need to check with your insurance company to be sure, but in most cases, you will be protected when driving someone else’s vehicle. Your protection may be limited, however.

For example, if you only have the minimum coverage required by your state, you will only be protected up to that amount. If the damage you cause exceeds your coverage limits, you will be responsible for paying the difference.

If you do not have your own car or insurance, you can still get SR22 insurance. This type of policy is designed for people who do not own a vehicle but still need to meet their state’s insurance requirements.

SR-22 insurance for non-owners typically costs less than traditional auto insurance or standard SR-22s. Why? because it does not provide the same coverage as a standard policy.

For example, non-owner insurance will not cover you if you are in an accident while driving someone else’s car. It will, however, protect you if you cause an accident while driving your own car.

Keep Costs Low

Now you know what a non-owner SR-22 insurance policy is all about. Don’t delay any longer in securing your policy.

Reach out to our team today for your free consultation. We’ll be happy to answer any questions you might have to help make things easier.

Here at Pacific Sun Insurance Services and, we’re committed to bringing you the best selection of policies. Great coverages at reasonable rates. Start requesting quotes today, and remember to apply for every applicable discount. 

Before you know it, you’ll have quality quotes with reasonable rates. Contact us today!

About the author

Scott Elford has worked in the Property and Casualty Insurance Industry since 1988. In 1995 Scott started Pacific Sun Insurance Service as the industry changed thru the years Scott created to help people who had lost their driving privilege get it back with easy online sr22 insurance quotes and same day sr22 filings. With 34 years insurance experience and holding 7 different insurance licenses you can rest assured that Scott and the fine folks at Pacific Sun will take care of any sr22 needs you may have.

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