What Is Arizona Non Owner SR-22 Insurance

What Is Arizona Non Owner SR-22 Insurance

Has Arizona Department Of Transportation advised that you need a SR-22 insurance filing to reinstate your license? But what if you don’t own a car? A Arizona Non Owner SR-22 Insurance policy may be what you need. Find important information on how these policies work and who should or should not purchase them.

Is Arizona Non Owner SR-22 Insurance Right For Me?

The answer is that depends on your vehicle situation. If you have a private passenger vehicle in your name the answer would be no. The reason is you will sign insuring documents that state you understand there is no coverage when driving vehicles you own. Not only does it exclude coverage on your vehicle but on a spouses vehicle as well. The policy can also exclude coverage from any vehicle that is registered at the same physical address as you. The Arizona Non Owner SR-22 Policy cover’s you when driving other peoples vehicles not residing with you. The coverage is secondary over the vehicle you borrow. Which means the borrowed cars insurance would pay first and if exhausted then the Non Owner Policy will pay second.

What If I Purchase A Vehicle?

Arizona non owner SR-22 car insuranceIf you purchase a vehicle you must endorse to a Owner Operator policy which will cover you and all other listed drivers on the vehicle. Failing to endorse the policy will result in no coverage  while driving a car that is owned. If the insuring company you have only does Non Owner Insurance then you will need to purchase a new policy. Expect  premiums to increase when you make this change as the risk has increased for the insurance company.


What Is A SR-22?

The SR-22 filing or SR-22 certificate is an extra form that an insurance company provides to Arizona Department Of Transportation (AZ.D.O.T.) on your behalf. It obligates the insurance company to notify the AZ.D.O.T. when the policy begins and when it cancels or lapses. When AZ.D.O.T. receives a SR-22 on a policy that has started they will offer license reinstatement if all other requirements and fines have been met. If AZ D.O.T receives a notice that a policy has cancelled or lapsed they will re-suspended if the SR-22 requirement is still needed. You can contact the Arizona D.O.T. here to find more information on your license status.

Time Requirement For Arizona Non Owner SR-22 Insurance.

The SR-22 requirement for Named Non Owner and Owner Operator policies can be up to 3 years. Depending on the type and number of violations. Do not make the mistake of waiting several years before filing thinking the SR-22 requirement will go away if you wait. The time starts from the date you first file after becoming eligible to reinstate your license. And remember keep that policy in force to keep your license valid.

How Much Coverage Do I Purchase?

You must purchase at least the Arizona State minimum liability limits which are:

  • $15,000 per person for bodily injury liability
  • $30,000 per accident for bodily injury liability
  • $10,000 per accident for property damage liability

Please keep in mind the state minimum is not much protection and you can increase the coverage for a few extra dollars a month.

What Is the Cost Of Arizona Non Owner SR-22 Insurance?

There is no set price for these policies each risk is rated individually on the drivers age, driving record and address. The good news is that price of a Non Owner Policy is about one half of what a Owner Operator policy would sell for.

Who Sells Arizona Non Owner SR-22 Insurance?

There are many options when shopping for SR-22 insurance. Beware of filling out a form for a lead generation company as they will sell your information to as many agents or insurance companies as they can. When searching online click on the about us tab on every website and find out who you are dealing with before sharing your personal info. A good option can be getting rate’s through a licensed insurance broker who can check rates through many different carriers.


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 E-sr22filing.com 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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