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Non-owner SR-22 insurance

License in walletQuestion: I am required to carry an SR-22 but don't own a vehicle. What should I do? Is there non-owner SR-22 car insurance available?

Answer: You need to buy a non-owner car insurance policy.

While it may sound odd, you can indeed get car insurance even if you don’t actually own a car nor drive a vehicle on a regular basis.

Car insurance companies offer non-owner policies because the industry is aware that there are certain situations where a person may need to carry car insurance but doesn't have a vehicle to place on the policy.

Typically, a need for a non-owner policy arises because:

  • A person is mandated by the state to obtain a car insurance policy, but that individual doesn't have a car.
  • Someone who doesn't own a car wants car insurance coverage for when he or she occasionally operates non-owned vehicles, such as a rental car.

In your situation, it would appear a state regulatory entity is requiring you to have an insurer certify that you have the ability to pay future auto accident claims (up to the certain mandated limits) by the means of a SR-22 form being filed.

A SR-22 can only be filed by car insurance companies after you have obtained at least the state-mandated coverages as part of a car insurance policy -- and can be required whether you own a car or not. 

How does non-owner SR-22 car insurance work?

Technically there is no such thing as "non-owner SR-22 car insurance," as the SR-22 is the form you file to verify financial responsibility and the insurance associated with it would be a non-owner policy. Still, the end result is that you have insurance and state-mandated forms in place to comply with the laws for such a situation.

States can mandate certain non-car owners to obtain car insurance and carry an SR-22 to verify financial responsibility because state agencies are aware that it’s possible for these individuals to be negligent and harm other people and their property while driving, even if the car they’re operating isn’t owned by them.

A non-owner policy is confusing to some, but it shouldn’t be. It’s not a coverage but instead a policy description for when you have car insurance but don't own a car to insure.

Each state is different, but as a general rule a non-owner car insurance policy won’t cover you for a vehicle registered to you, one in your household, or a vehicle provided for your regular and frequent use, so don’t purchase a non-owner policy if any of these scenarios apply.

Some believe this policy type is the magic bullet of coverage; it’s not. A non-owner policy only covers liability up to the limits purchased and this coverage is usually secondary to that of the auto insurance policy of the actual car owner.  So, if you borrow a friend's car to driver the car owner's policy will be primary.

A non-owner policy will normally include:

  • Bodily injury liability
  • Property damage liability

Depending upon the state in which you live and the car insurance company you’re using, you may also be able to include on the policy other types of car insurance coverage, including:

  • Medical payments
  • Uninsured motorist bodily injury
  • Underinsured motorist bodily injury

A non-owner policy doesn’t offer physical damage coverages of collision or comprehensive, so any car that you do drive isn’t covered in any way by your non-owner policy if you damage it.

Currently the best way to obtain a non-owner policy with a SR-22 filing is by contacting our call center toll-free at 1-855-430-7658. Our agents will help you obtain a quote for the coverage you need.

We work with insurers such as Progressive and Infinity to provide non-owner policies and SR-22 filings. Not all insurance companies do business in all states, though.

Most companies can provide immediate proof of insurance via e-mail or fax. Processing of SR-22 requests depends mostly on whether your state accepts filings electronically.

If at any time during your policy period you do purchase a car, you’ll need to alert your car insurance carrier immediately so that you can change your policy over to an owner’s policy. If you fail to inform your auto insurer of the change and you’re in an accident, then coverages under the non-owner policy may be denied.



More articles from Penny Gusner


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56 Responses to "Non-owner SR-22 insurance"
  1. Anonymous

    I dont have a car but need SR22 in order to get my drivers license but I don't see where.

  2. Anonymous

    I dont understand what the SR22 is for then. I dont own a car but will probly be driving my boyfriends car the majority of the time. It states that in that case you cannot or should not buy SR22 non owner. If thats the case what should you buy?

  3. Anonymous

    Because i have been calling everywhere trying to find out what exactly this sr22 thing was and why would i have to optain it if i dont own a vehicle.

  4. Anonymous

    It doesn't take a rocket scientist to know that if a person is looking for an SR22, obviously they have issues. This site advertised as being able to do SR22s, yet you do not always return a quote for one.

  5. Anonymous


  6. Anonymous

    Car insurance is attached to the vehicle, not any specific person. Now then, if you have your car insured, it covers anyone driving it. And anyone having an accident in that car will be covered by that insurance. To do otherwise, is a violation of the law. Not to mention, fraud. Unless of course the customer isn't following the policy contract for disclosures of all household members.

  7. Anonymous

    I needed answers to a certain question and got it!

  8. Anonymous

    I wanted a quote for SR-22 insurance, but don't own a car. When I try to apply for a quote, the first thing asked is car info. I need a link for a quote with no car.

  9. Anonymous

    Thank you for telling me what I needed to know in a very accessible non-confusing manner.

  10. Anonymous


  11. Anonymous

    CarInsurance.com Agent: Yes, it can be hard to get an SR-22 with some companies. In most states we can provide one through 2-3 of our carriers. If they will not accept you, we will direct you to the state regulator to find you a Joint Underwriting Association that will provide you coverage.

  12. Anonymous

    You only answered in the way you thought was easy to you... Insurance companies do not give you that option... you have to buy regular car insurance and then that.. even then, have fun trying to find a company that will take you...trsut me when I tell you...you're in for an ugly fight

  13. Anonymous

    because it was easy to understand and straight to the point.

  14. Anonymous

    Very informative and easy to use website menus/buttons. It's IDIOT PROOF!

  15. Anonymous

    Good answer, stupid law. Those of us who got caught driving without insurance will either drive legal or illegally. Basically, with or without a SR-22.

  16. Anonymous

    For everyone who is asking why you need to have an SR22 when you dont own a vehicle - my question to you is then why do you even want to get your license back? In the event that you are driving a car belonging to someone else and you cause an accident that results in damage to another persons car or property (not the car you were driving),the SR22 will cover the cost to repair the damage but it will only pay up to the amount of coverage you have purchased when you obtained the SR22.

  17. Anonymous

    No one else offered this information to me and I was really confused.

  18. Anonymous

    It gave me the answer I was looking for. I didn't have to go looking for the answer in different web sites.

  19. Anonymous

    to the point, we need to get an SR22. Thank you.

  20. Anonymous


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