Non-owner SR-22 insurance is for drivers who don’t own a car but need to meet state requirements after a violation like a DUI or driving without insurance. It proves financial responsibility to the state and allows you to regain or maintain your driving privileges.
While SR-22 insurance can be expensive due to higher perceived risk, some companies offer relatively affordable options. Below, we break down the cheapest non-owner SR-22 insurance companies, average costs by state and tips for saving money.
CarInsurance.com Insights
- Non-owner SR-22 insurance is typically cheaper than a standard auto policy because you aren’t insuring a vehicle.
- Auto-Owners offers the cheapest non-owner SR-22 coverage at just $111 annually ($9 monthly).
- CSAA Insurance (AAA) has the highest average annual rate at $909.
Cheapest non-owner SR-22 insurance companies
Some insurers consistently offer lower rates for cheap SR-22 non-owner insurance, including:
- Auto-Owners
- American Family
- Erie
- Arbella
- Kemper
- Westfield
- USAA (for military members and their families)
Rates can vary based on your state. A non-owner SR-22 policy ranges from $111 to $1,100 per year; see insurers’ rates in the table below.
| Company | Average annual cost | Average monthly cost |
|---|---|---|
| Allstate | $706 | $59 |
| American Family | $254 | $21 |
| American National | $203 | $17 |
| Arbella Insurance | $481 | $40 |
| Auto Club Enterprises (AAA) | $199 | $17 |
| Auto-Owners | $111 | $9 |
| CSAA Insurance (AAA) | $909 | $76 |
| Erie Insurance | $265 | $22 |
| Farmers | $628 | $52 |
| Frankenmuth Insurance | $660 | $55 |
| GEICO | $346 | $29 |
| Iowa Farm Bureau | $250 | $21 |
| Kemper | $219 | $18 |
| Mercury Insurance | $506 | $42 |
| National General | $1,100 | $92 |
| Nationwide | $503 | $42 |
| North Carolina Farm Bureau | $345 | $29 |
| Progressive | $593 | $49 |
| Safety Insurance | $192 | $16 |
| Sentry Insurance | $451 | $38 |
| Shelter Insurance | $310 | $26 |
| Southern Farm Bureau | $249 | $21 |
| State Farm | $351 | $29 |
| Travelers | $345 | $29 |
| Vermont Mutual | $159 | $13 |
| Western National Insurance | $167 | $14 |
| Westfield Insurance | $201 | $17 |
| USAA* | $193 | $16 |
*USAA is only available to military community members and their families
State-by-state non-owner SR-22 costs
Rates vary significantly by state because of differences in insurance regulations, required liability limits, and average claim costs. The table below shows non-owner SR-22 car insurance rates by state.
| State | Average annual non-owner state minimum rate | Average annual non-owner SR-22 rate | % Difference | $ Difference |
|---|---|---|---|---|
| Alaska | $260 | $316 | 22% | $56 |
| Alabama | $380 | $481 | 26% | $101 |
| Arkansas | $266 | $389 | 46% | $123 |
| Arizona | $396 | $487 | 23% | $91 |
| California | $299 | $335 | 12% | $36 |
| Colorado | $282 | $374 | 33% | $92 |
| Connecticut | $395 | $497 | 26% | $102 |
| Washington, D.C. | $310 | $354 | 14% | $44 |
| Delaware | $344 | $374 | 9% | $30 |
| Florida | $545 | $660 | 21% | $115 |
| Georgia | $312 | $359 | 15% | $47 |
| Hawaii | $395 | $465 | 18% | $70 |
| Iowa | $153 | $175 | 15% | $22 |
| Idaho | $187 | $224 | 20% | $37 |
| Illinois | $279 | $285 | 2% | $6 |
| Indiana | $259 | $305 | 18% | $46 |
| Kansas | $274 | $325 | 19% | $51 |
| Kentucky | $375 | $404 | 8% | $29 |
| Louisiana | $330 | $379 | 15% | $49 |
| Massachusetts | $445 | $492 | 10% | $47 |
| Maryland | $438 | $457 | 4% | $19 |
| Maine | $238 | $261 | 10% | $23 |
| Michigan | $513 | $522 | 2% | $9 |
| Minnesota | $302 | $308 | 2% | $6 |
| Missouri | $358 | $369 | 3% | $11 |
| Mississippi | $321 | $342 | 7% | $21 |
| Montana | $299 | $331 | 11% | $32 |
| North Carolina | $470 | $503 | 7% | $33 |
| North Dakota | $209 | $242 | 16% | $33 |
| Nebraska | $186 | $235 | 26% | $49 |
| New Hampshire | $318 | $393 | 24% | $75 |
| New Jersey | $459 | $515 | 12% | $56 |
| New Mexico | $293 | $329 | 12% | $36 |
| Nevada | $346 | $407 | 18% | $61 |
| New York | $421 | $441 | 5% | $20 |
| Ohio | $214 | $261 | 22% | $47 |
| Oklahoma | $242 | $289 | 19% | $47 |
| Oregon | $441 | $521 | 18% | $80 |
| Pennsylvania | $263 | $324 | 23% | $61 |
| Rhode Island | $518 | $600 | 16% | $82 |
| South Carolina | $368 | $414 | 12% | $46 |
| South Dakota | $170 | $206 | 21% | $36 |
| Tennessee | $363 | $457 | 26% | $94 |
| Texas | $447 | $482 | 8% | $35 |
| Utah | $444 | $543 | 22% | $99 |
| Virginia | $290 | $379 | 31% | $89 |
| Vermont | $296 | $361 | 22% | $65 |
| Washington | $349 | $400 | 15% | $51 |
| Wisconsin | $230 | $260 | 13% | $30 |
| West Virginia | $367 | $408 | 11% | $41 |
| Wyoming | $215 | $245 | 14% | $30 |
Average cost of non-owner SR-22 insurance
Nationally, non-owner SR-22 insurance costs $111 to $1,100 per year, depending on your state, insurance company, driving history, age and location.
Cost impact of a DUI on non-owner SR-22 rates
A DUI significantly increases the cost of non-owner SR-22 insurance. Drivers with a DUI can expect their rates to rise substantially because insurers classify them as high-risk.
Non-owner SR-22 car insurance with a DUI averages $646 annually, but increases over a non-owner rate without an SR-22 rate range from 27% in New York and Texas to 339% in North Carolina.
See annual rates for non-owner policies with a DUI by state in the table below.
| State | Average annual non-owner state minimum rate | Average annual non-owner SR-22 rate | % Difference | $ Difference |
|---|---|---|---|---|
| Alaska | $260 | $316 | 22% | $56 |
| Alabama | $380 | $481 | 26% | $101 |
| Arkansas | $266 | $389 | 46% | $123 |
| Arizona | $396 | $487 | 23% | $91 |
| California | $299 | $335 | 12% | $36 |
| Colorado | $282 | $374 | 33% | $92 |
| Connecticut | $395 | $497 | 26% | $102 |
| Washington, D.C. | $310 | $354 | 14% | $44 |
| Delaware | $344 | $374 | 9% | $30 |
| Florida | $545 | $660 | 21% | $115 |
| Georgia | $312 | $359 | 15% | $47 |
| Hawaii | $395 | $465 | 18% | $70 |
| Iowa | $153 | $175 | 15% | $22 |
| Idaho | $187 | $224 | 20% | $37 |
| Illinois | $279 | $285 | 2% | $6 |
| Indiana | $259 | $305 | 18% | $46 |
| Kansas | $274 | $325 | 19% | $51 |
| Kentucky | $375 | $404 | 8% | $29 |
| Louisiana | $330 | $379 | 15% | $49 |
| Massachusetts | $445 | $492 | 10% | $47 |
| Maryland | $438 | $457 | 4% | $19 |
| Maine | $238 | $261 | 10% | $23 |
| Michigan | $513 | $522 | 2% | $9 |
| Minnesota | $302 | $308 | 2% | $6 |
| Missouri | $358 | $369 | 3% | $11 |
| Mississippi | $321 | $342 | 7% | $21 |
| Montana | $299 | $331 | 11% | $32 |
| North Carolina | $470 | $503 | 7% | $33 |
| North Dakota | $209 | $242 | 16% | $33 |
| Nebraska | $186 | $235 | 26% | $49 |
| New Hampshire | $318 | $393 | 24% | $75 |
| New Jersey | $459 | $515 | 12% | $56 |
| New Mexico | $293 | $329 | 12% | $36 |
| Nevada | $346 | $407 | 18% | $61 |
| New York | $421 | $441 | 5% | $20 |
| Ohio | $214 | $261 | 22% | $47 |
| Oklahoma | $242 | $289 | 19% | $47 |
| Oregon | $441 | $521 | 18% | $80 |
| Pennsylvania | $263 | $324 | 23% | $61 |
| Rhode Island | $518 | $600 | 16% | $82 |
| South Carolina | $368 | $414 | 12% | $46 |
| South Dakota | $170 | $206 | 21% | $36 |
| Tennessee | $363 | $457 | 26% | $94 |
| Texas | $447 | $482 | 8% | $35 |
| Utah | $444 | $543 | 22% | $99 |
| Virginia | $290 | $379 | 31% | $89 |
| Vermont | $296 | $361 | 22% | $65 |
| Washington | $349 | $400 | 15% | $51 |
| Wisconsin | $230 | $260 | 13% | $30 |
| West Virginia | $367 | $408 | 11% | $41 |
| Wyoming | $215 | $245 | 14% | $30 |
How to get cheap non-owner SR-22 insurance
- Compare quotes from multiple insurers; rates can vary by hundreds of dollars.
- Maintain a clean driving record after the violation to reduce future costs.
- Avoid coverage gaps because a lapse can result in additional fees or an extended SR-22 filing period.
- Work with an independent agent who can shop rates across companies.
Non-owner SR-22 and buying a car later
If you purchase a vehicle in the future, you can convert your non-owner SR-22 policy into a standard auto insurance policy with SR-22 filing. Your insurer will update your coverage to include comprehensive and collision insurance if needed.
People also ask
I am going to visit the USA for three weeks. I need car insurance for a rented car from Turo. I am a 27-year-old citizen of Poland. My driver’s license is valid for over five years. Is it possible to get car insurance?
Yes, you can get insurance for a Turo rental in the U.S. as a visitor. Turo offers its own protection plans, including liability coverage and physical damage protection for the car. When you book a car through Turo, you can choose one of these plans during checkout.
Since you are a citizen of Poland with a valid driver’s license for over five years, you should be eligible to rent as long as your license is in English or you have an international driving permit (IDP) alongside it.
If you want additional coverage, check if your credit card provides rental car insurance (some do for rentals in the U.S.) or buy a standalone rental car insurance policy from third-party providers like Bonzah or Allianz. However, these may not always apply to peer-to-peer platforms like Turo, so confirm the terms before purchasing.
I have a non-owner FR-44 and am looking into getting a car. I was convicted of my first DUI on Dec. 10, 2021. I am paid through April 3, 2025, with my FR-44. If I understand correctly, I will no longer have to carry an FR-44 after Dec. 10, 2024. Is this correct?
In Florida and Virginia, an FR-44 filing is usually required three years from the date your license is reinstated after a DUI, not necessarily three years from the date of conviction.
If your conviction was on Dec. 10, 2021, the requirement end date depends on when your license was officially reinstated. If reinstatement happened soon after the conviction, your FR-44 period may end around Dec. 10, 2024.
Since you’re already paid through April 3, 2025, your insurance policy may be covering beyond the required period. To be sure, you should check with your state DMV or your insurance company to confirm the exact date your FR-44 obligation ends.
How much would non-owner insurance cost for an 83-year-old female in ZIP code 42455?
Non-owner car insurance costs an average of $398 annually for female senior drivers in Kentucky. Your exact rates may vary based on age, ZIP code and insurance company.
Frequently asked questions
What is non-owner SR-22 insurance?
It’s a liability-only insurance policy for drivers who don’t own a car but need an SR-22 filing to reinstate their license after a serious violation.
How much is non-owner SR-22 insurance?
Rates vary widely. According to our data, the cheapest option is Auto-Owners, which costs $111 annually ($9 monthly).
Who needs non-owner SR-22 insurance?
Drivers who don’t own a car but are required by their state to file an SR-22 — often after a DUI, reckless driving conviction or driving without insurance.
Does non-owner SR-22 insurance cover the car I drive?
No, it only provides liability coverage. The vehicle owner’s insurance covers damages to their car.
How long do I need to carry SR-22 insurance?
Most states require you to carry SR-22 insurance for three years, but the length varies by state and offense.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services in 2024 to field rates for non-owner state minimum coverage from the Auto Problems Report for 40-year-old male and female drivers with an SR-22. The hypothetical driver has 10,000 annual mileage 12-mile commute.
Read the detailed methodology for more information.
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