How do I get SR-22 insurance without a car?

You must get a non-owner car insurance policy to get an SR-22 certificate if you’re a high-risk driver without a car. An SR-22 certificate proves you have insurance meeting your state’s insurance requirements, which a non-owner insurance policy fulfills. 

Since non-owner car insurance is less common insurance coverage, we’ll cover how to get non-owner SR-22 insurance from the best auto insurance companies, who needs this coverage, and how much it costs. Continue reading to learn more about non-owner SR-22 insurance.

Non-Owner SR-22 Insurance Explained

So what exactly is non-owner SR-22 car insurance? If you have to purchase this car insurance coverage, it’s a good idea to understand what it is and what it covers. If you don’t have a vehicle but need an SR-22 certificate to drive, you’ll have to purchase non-owner insurance to protect you when you rent a car or borrow a friend’s car.

Non-owner car insurance provides you with the liability car insurance coverage your state requires. The two types of liability insurance are bodily injury and property damage liability insurance. If you cause an accident, these liability insurances pay for the other parties’ medical and property damage bills.

However, liability car insurance won’t pay for damages to the car you were driving or your own medical bills. Instead, the owner’s car insurance covers the property damage costs if they have the correct coverage, and your health insurance will pay for your medical costs.

To qualify for non-owner SR-22 insurance coverage, you must meet the following requirements:

• You don’t own a car.
• You don’t live with someone with a car that you could drive.
• You don’t need an ignition interlock device to drive.

For example, if your partner or parents own a car, you live with them, and have access to the car, you’ll need to join their policy rather than purchasing a non-owner SR-22 insurance policy.

Who needs SR-22 insurance? 

Some high-risk drivers need SR-22 certificates to drive. Some of the types of drivers who may need SR-22 car insurance include the following: 

• Drivers caught driving without insurance.
• Drivers caught driving with suspended driver’s license.
• Drivers caught driving with an expired driver’s license.
• Drivers with several points on their driving record.
• Drivers caught driving impaired or under the influence.

Any serious driving infractions will result in drivers needing an SR-22 certificate to reinstate their licenses with the DMV. However, you’ll be instructed by the authorities when you need an SR-22 certificate. There’s no need to go out and purchase non-owner SR-22 insurance if you don’t need proof of insurance to drive legally again.

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How to Get Non-Owner SR-22 Insurance 

There are some steps you must take to get SR-22 insurance without a vehicle. Whether you already have non-owner car insurance or recently lost ownership of a car, we’ll go over each important step to getting non-owner car insurance with an SR-22 certificate below.

Contact Your Insurance Company to File the SR-22

Can I get an SR-22 without a car? The first step to getting a non-owner SR-22 certificate is contacting an auto insurance company. If you already have a non-owner insurance policy, ask your auto insurance company to file the SR-22 certificate with your state’s Department of Motor Vehicles (DMV).

Remember that the auto insurance company will likely charge a small fee for filing the SR-22 certificate, as there’s a filing fee with the DMV.

There’s also the chance that, as a high-risk driver, your auto insurance company could drop you as a customer. However, insurance companies must give drivers notice before terminating a policy, so drivers will have time to find new car insurance coverage.

If you don’t have car insurance, you’ll have to shop around at companies offering non-owner car insurance. Likewise, if you have a poor driving record, you may have to shop around at multiple auto insurance companies to find one willing to insure you.

When applying to different companies for non-owner car insurance, let them know you need an SR-22 certificate. Lying about your need for an SR-22 certificate can lead to you getting dropped shortly after becoming insured when the auto insurance company checks your driving record. 

If you can’t find a company willing to insure you, you may have to apply for guaranteed auto insurance coverage through your state’s insurance department. However, we recommend this option as a last resort, as auto insurance through the state is usually much more expensive. 

Keep Continuous SR-22 Coverage 

Once you’ve found non-owner SR-22 insurance and purchased your car insurance policy, it’s vital to keep continuous coverage. Letting your car insurance coverage lapse, especially when you have non-owner SR-22 insurance, can lead to many more serious problems. 

Consequences of going without car insurance include fines, suspended licenses, and more. Also, since an SR-22 requirement gets assigned to higher-risk drivers, letting car insurance lapse on an SR-22 non-owner insurance policy means higher fines, longer driving suspensions, and other stricter penalties.

Cost of Non-Owner SR-22 Insurance 

How much is non-owner SR-22 insurance? Expect to pay more for non-owner car insurance if you need an SR-22 certificate. Car insurance companies charge high-risk drivers more, as there’s a higher chance that they’ll get in another accident and file another car insurance claim. 

The exact amount your insurance rates increase depends on your car insurance company, but finding cheap SR-22 non-owner insurance can be challenging.

Your auto insurance rates also depend on why you need non-owner SR-22 insurance. For example, a DUI will likely raise your rates more than if you got caught driving without insurance, as a DUI is usually one of the worst driving infractions compared to at-fault accidents or traffic tickets.

How can I save on non-owner SR-22 insurance? 

Expect higher car insurance rates if you need to get an SR-22 certificate. However, you could prevent your auto insurance from increasing too drastically by following the tips listed below:

• Apply for additional auto insurance discounts. There may be discounts you must apply for, like if your insurance company offers a defensive driving discount. You’ll need to pass the course and show the company your completion certificate to get the discount. 
• Improve your credit score. If your insurance company considers credit score when setting rates, improving your credit score can help reduce your auto insurance rates at your next auto insurance renewal.
• Maintain a clean driving record in the future. Even though you’re a high-risk driver, your rates can drop after a year or two if you don’t get into accidents or commit traffic violations.
• Shop around at different auto insurance companies. The best thing you can do to reduce your auto insurance rates is to get quotes from multiple companies. A different company may be able to offer you a cheaper rate than your current one.

The most important thing you can do to lower your rates immediately is to shop around for quotes from different auto insurance companies. However, working on other tips, such as keeping a clean driving record, will reduce your auto insurance rates over time.

Case Studies: Non-Owner SR-22 Insurance

Case Study 1: John – Finding Affordable Non-Owner SR-22 Insurance

John recently had his driver’s license suspended due to multiple DUI offenses. To reinstate his license, he needed to obtain an SR-22 certificate. However, he didn’t own a car.

John reached out to several auto insurance companies and discovered that non-owner SR-22 insurance was available. After comparing quotes from different insurers, he found an affordable policy that met his needs.

Case Study 2: Sarah – Maintaining Continuous SR-22 Coverage

Sarah was involved in a serious at-fault accident that led to her license being suspended. She needed an SR-22 certificate to regain her driving privileges. Sarah obtained non-owner SR-22 insurance and diligently maintained continuous coverage.

Despite the higher cost, she understood the consequences of letting her insurance lapse and ensured she remained covered at all times.

Case Study 3: Michael – Shopping Around for Non-Owner SR-22 Insurance

Michael had a history of multiple traffic violations, including driving without insurance. His state required him to have an SR-22 certificate to reinstate his license. Michael contacted several auto insurance companies to find non-owner SR-22 coverage.

While some insurers declined to provide him with coverage, he persevered and eventually found an insurance company willing to insure him, albeit at a higher premium.

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The Final Word on Non-Owner SR-22 Insurance 

Even drivers without cars need car insurance to qualify for an SR-22 certificate and reinstate their licenses. Non-owner car insurance policies fulfill state insurance requirements, but drivers must pay more to get the SR-22 certificate filed and pay higher rates as high-risk drivers.

If you need non-owner SR-22 auto insurance coverage, use our free quote comparison tool to help you find the best auto insurance rates in your area.

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