Everything You Need to Know About Non-Owner SR-22 Insurance

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Non-owner SR-22 car insurance is an affordable option if you’re required to have car insurance to have your license reinstated. This liability-only coverage meets state minimums, so you can drive without worrying about losing your license again.
Non-owner SR-22 insurance is less expensive than regular SR-22 insurance, but it’s still more expensive than a regular policy. That’s why it’s so important to shop around to get the best rates. 
Jerry can save you time and money by comparing rates from over 50 insurance providers. They’ll help you save on your car insurance—even if you have a spotty driving record and SR-22 requirement.

What is an SR-22 non-owner policy?

A non-owner SR-22 policy—sometimes called an operator or named operator policy—allows you to meet the state’s requirement for carrying insurance if you don’t have a vehicle. 
You might be required to carry SR-22 insurance after your license is suspended for a major driving infraction, like a DUI or repeatedly driving without insurance. If that happens, the court may rule that you must carry the minimum insurance required by that state.
An SR-22 is a form that is filed with the state that legally proves that you’re carrying the state minimum insurance. Your insurance company will file the SR-22 form for you once you’ve purchased an insurance policy that meets those minimums. 
If the state requires you to have SR-22 insurance, you must carry coverage even if you do not have a vehicle. 
A non-owner SR-22 policy will cover you if you’re driving a car that you’ve borrowed or rented. However, it will not cover you if you’re driving a vehicle that belongs to someone you live with. For that, you’d need regular SR-22 insurance. 
Key Takeaway: An SR-22 non-owner policy is insurance that allows you to meet a legal requirement to carry the state’s minimum insurance, even if you don’t have a car.

What does non-owner SR-22 insurance cover?

Non-owner SR-22 insurance is liability insurance. It meets the state’s minimum requirements for insurance, so you’ll be protected from getting a ticket or having your license suspended again if you get pulled over. 
An SR-22 policy provides minimum coverage. It will protect you from having to pay out-of-pocket expenses to a third party if you’re responsible for an accident.
However, non-owner SR-22 insurance does not include collision coverage. If you cause an accident, you will still be responsible for any damages to the vehicle you’re driving, your property, or yourself. Consider protecting yourself with an insurance policy that provides more than the state’s minimum insurance.
Key Takeaway Non-owner SR-22 insurance will only cover damages to another vehicle if you get into an accident.
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Who should get non-owner SR-22 insurance?

If you’re required to file an SR-22 due to a high-risk driving infraction like a DUI, you might choose non-owner SR-22 insurance if you:
  • Don’t have a car
  • Don’t live with anyone who has a car
  • Need to have your license reinstated

What does non-owner SR-22 insurance cost?

If you have to get non-owner SR-22 insurance due to a bad driving record, your premiums will be higher than they would with regular insurance. That said, it’s typically less than standard SR-22 insurance.
The exact cost of your policy will vary depending on the insurance requirements in your state, your driving record, and the insurance company with which you hold your policy.
Once you’ve purchased SR-22 insurance, there is a $15-$25 fee to file your SR-22 form with the state. Usually, you’ll pay this fee to your insurance provider who will then file the form on your behalf. 

How to buy non-owner SR-22 insurance

SR-22 insurance can be a little pricey, and some companies don’t cover high-risk drivers. But that doesn’t mean you have to lose your coverage or be stuck paying high prices. 
Let Jerry makes things easier for you. Jerry will compare the rates from 50+ top insurance companies to find the best rates on non-owner SR-22 insurance policies for you. They’ll even contact your insurance agent and ask them to file the SR-22 for you. Join the growing group of satisfied Jerry customers!
“I have a really bad record, so all of my previous insurance quotes were pretty high. I started using Jerry and the fantastic app saved me $130 a month on my insurance.” —Jett A.
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FAQs

The easiest way to get a non-owner SR-22 is to let Jerry compare rates from top insurance companies for you.
No, to get an SR-22 you have to carry the minimum insurance required by the state where you live.
Non-owners insurance is a policy for someone who doesn’t own a car, but who may borrow or rent a vehicle sometimes.

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