CarInsurance.com Insights
- GEICO offers the lowest rate among national carriers for non-owner SR-22 insurance at $481 per year. Other affordable options include Travelers ($520/year), State Farm ($762/year) and Nationwide ($780/year).
- Regional carriers such as Auto-Owners ($207/year) and Safety Insurance ($303/year) often have lower prices than national companies in the areas where they operate. Make sure to check the state availability before getting a quote.
- On average, non-owner SR-22 insurance costs $574 per year nationwide. Depending on the state, rates can range from $262 in South Dakota to $1,487 in New Jersey.
- A DUI conviction raises the cost: non-owner SR-22 with one DUI averages $1,040 a year, but the impact varies widely by state, from a 30% increase in New York to a 339% increase in North Carolina.
GEICO offers the cheapest non-owner SR-22 insurance among nationally available carriers at $481 a year or $40 a month.
The national average is $574 a year, but rates vary significantly by state, ranging from $262 in South Dakota to $1,487 in New Jersey.
Your driving history, state of residence and how long you need the SR-22 filing all affect your final rate.
USAA ($232/year) is cheaper if you qualify, but it’s restricted to military members and their families.
Our detailed guide explains how non-owner SR-22 coverage works, what it typically costs, and how drivers can meet legal requirements while keeping premiums as low as possible.
Top 5 cheapest non-owner SR-22 insurance companies
Below are the five cheapest national carriers, ranked by average annual cost.
1. GEICO: $481 a year ($40/month). Most affordable, widely available national option and files SR-22s in most states; approval depends on underwriting. Their online system makes it easy to get a quote and buy a policy.
2. Travelers: $520 a year ($43/month). In some states, Travelers may offer lower rates than GEICO, so it’s a good idea to get a quote from both.
3. State Farm: $762 a year ($64/month). Rates vary by state, violation and your driving record.
4. Nationwide: $780 a year ($65/month). Pricing is similar to State Farm. It can be a good option for drivers with a clean record, aside from the incident that led to the SR-22.
5. Progressive: The average cost is $782 a year ($65/month). An SR-22 filing is required before your license can be reinstated. Progressive can file an SR-22 electronically with the state, which may help speed up the processing of your paperwork. Once the state receives the certificate, you can move forward with the reinstatement process.
It’s important to note that not all states require SR-22. For DUI-related convictions, Florida and Virginia require an FR-44 instead, which carries higher liability limits.
Why are some carriers so much cheaper than others?
Non-owner SR-22 rates vary widely because each insurance company prices risk differently. Some carriers specialize in high-risk drivers or file SR-22 forms more frequently, making them more competitive for drivers with violations. Others may charge more because they see SR-22 drivers as a higher-claims risk or because they do not actively target this market.
Availability also matters. Regional insurers may offer cheaper rates in states where they have strong underwriting data, lower claims costs or more flexible pricing. National carriers may make it easier to get a quote online, but they are not always the cheapest option.
That is why it is important to compare both national and regional carriers. The cheapest company for one driver may not be the cheapest for another, especially when factors like state, violation type, driving history and filing requirements are included.
Cheapest regional non-owner SR-22 insurance companies
Among the regional carriers analyzed, Auto-Owners is the cheapest at $207 a year, followed by Safety Insurance ($303), Kemper ($328), Vermont Mutual ($347) and Westfield ($375).
Rates can vary by state. A non-owner SR-22 policy ranges from $207 to $989 per year; see insurers’ rates in the table below.
| Company | Average annual cost | Average monthly cost |
|---|---|---|
| American Family | $622 | $52 |
| American National | $989 | $82 |
| Auto-Owners | $207 | $17 |
| Erie Insurance | $446 | $37 |
| Iowa Farm Bureau | $631 | $53 |
| Kemper | $328 | $27 |
| Mercury Insurance | $767 | $64 |
| North Carolina Farm Bureau Insurance | $680 | $57 |
| Safety Insurance | $303 | $25 |
| Vermont Mutual | $347 | $29 |
| Westfield Insurance | $375 | $31 |
Speak with a friendly agent and get your quote in minutes!
Cheapest national carriers for non-owner SR-22
GEICO is the most widely available and cheapest carrier at $481 a year, followed by Travelers at $520, among the national carriers that handle non-owner SR-22 filings. Allstate is the most expensive at $910, $429 more expensive than GEICO’s insurance cost.
| Company | Average annual cost | Average monthly cost |
|---|---|---|
| Allstate | $910 | $76 |
| Farmers | $822 | $69 |
| GEICO | $481 | $40 |
| Nationwide | $780 | $65 |
| Progressive | $782 | $65 |
| State Farm | $762 | $64 |
| Travelers | $520 | $43 |
| USAA* | $232 | $19 |
*USAA is only available to military community members and their families.
Cheapest non-owner SR-22 insurance by state
South Dakota has the cheapest non-owner SR-22 insurance at $262 a year. New Jersey is the most expensive at $1,487, followed by Connecticut ($1,326) and Delaware ($1,076). The gap between the cheapest and the most expensive state is $1,225.
Rates vary widely based on the minimum coverage requirement in your state, average claim costs and uninsured driver statistics.
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 | $296 | $374 | 26% | $78 |
| Alabama | $469 | $604 | 29% | $135 |
| Arkansas | $440 | $679 | 54% | $239 |
| Arizona | $652 | $840 | 29% | $188 |
| California | $500 | $565 | 13% | $65 |
| Colorado | $506 | $689 | 36% | $183 |
| Connecticut | $1,054 | $1,326 | 26% | $272 |
| Washington, D.C. | $661 | $770 | 16% | $109 |
| Delaware | $936 | – | – | – |
| Florida | $668 | $818 | 22% | $150 |
| Georgia | $510 | $587 | 15% | $77 |
| Hawaii | $389 | $458 | 18% | $69 |
| Iowa | $280 | $328 | 17% | $48 |
| Idaho | $297 | $370 | 24% | $73 |
| Illinois | $518 | $740 | 43% | $222 |
| Indiana | $320 | $385 | 20% | $65 |
| Kansas | $408 | $507 | 24% | $99 |
| Kentucky | $499 | – | – | – |
| Louisiana | $410 | $473 | 15% | $63 |
| Massachusetts | $686 | $831 | 21% | $145 |
| Maryland | $516 | $686 | 33% | $170 |
| Maine | $271 | $304 | 12% | $33 |
| Michigan | $855 | $893 | 4% | $38 |
| Minnesota | $352 | – | – | – |
| Missouri | $346 | $359 | 4% | $13 |
| Mississippi | $474 | $525 | 11% | $51 |
| Montana | $412 | $489 | 19% | $77 |
| North Carolina | $681 | – | – | – |
| North Dakota | $353 | $408 | 16% | $55 |
| Nebraska | $402 | $508 | 26% | $106 |
| New Hampshire | $437 | $546 | 25% | $109 |
| New Jersey | $1,141 | $1,487 | 30% | $346 |
| New Mexico | $413 | – | – | – |
| Nevada | $823 | $984 | 20% | $161 |
| New York | $606 | – | – | – |
| Ohio | $291 | $365 | 25% | $74 |
| Oklahoma | $477 | – | – | – |
| Oregon | $644 | $796 | 24% | $152 |
| Pennsylvania | $279 | – | – | – |
| Rhode Island | $511 | $599 | 17% | $88 |
| South Carolina | $448 | $511 | 14% | $63 |
| South Dakota | $216 | $262 | 21% | $46 |
| Tennessee | $507 | $647 | 28% | $140 |
| Texas | $564 | $610 | 8% | $46 |
| Utah | $658 | $824 | 25% | $166 |
| Virginia | $549 | $741 | 35% | $192 |
| Vermont | $460 | $561 | 22% | $101 |
| Washington | $516 | $600 | 16% | $84 |
| Wisconsin | $398 | $466 | 17% | $68 |
| West Virginia | $442 | $496 | 12% | $54 |
| Wyoming | $270 | $307 | 14% | $37 |
Note: Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma and Pennsylvania do not require SR-22 filing.
Cheapest non-owner SR-22 insurance with a DUI
Non-owner SR-22 insurance with a DUI averages $1,040 a year. The cheapest states for a DUI driver are South Dakota ($376/year), Iowa ($410/year), North Dakota ($414/year) and Maine ($462/year). And the most expensive states for non-owner SR-22 with a DUI are North Carolina at $2,988, Connecticut at $2,422 and Michigan at $2,009.
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.
See annual rates for non-owner policies with a DUI by state in the table below.
| State | Average non-owner annual rate | Average annual non-owner SR-22 with 1 DUI | % difference | $ difference |
|---|---|---|---|---|
| Alaska | $296 | $497 | 68% | $201 |
| Alabama | $469 | $788 | 68% | $319 |
| Arkansas | $440 | $772 | 75% | $332 |
| Arizona | $652 | $1,439 | 121% | $787 |
| California | $500 | $1,323 | 165% | $823 |
| Colorado | $506 | $1,182 | 134% | $676 |
| Connecticut | $1,054 | $2,422 | 130% | $1,368 |
| Washington, D.C. | $661 | $978 | 48% | $317 |
| Delaware | $936 | $1,739 | 86% | $803 |
| Florida | $668 | $1,348 | 102% | $680 |
| Georgia | $510 | $821 | 61% | $311 |
| Hawaii | $389 | $1,375 | 254% | $986 |
| Iowa | $280 | $414 | 48% | $134 |
| Idaho | $297 | $517 | 74% | $220 |
| Illinois | $518 | $917 | 77% | $399 |
| Indiana | $320 | $547 | 71% | $227 |
| Kansas | $408 | $739 | 81% | $331 |
| Kentucky | $499 | $1,156 | 132% | $657 |
| Louisiana | $410 | $779 | 90% | $369 |
| Massachusetts | $686 | $1,382 | 102% | $696 |
| Maryland | $516 | $969 | 88% | $453 |
| Maine | $271 | $462 | 70% | $191 |
| Michigan | $855 | $2,009 | 135% | $1,154 |
| Minnesota | $352 | $560 | 59% | $208 |
| Missouri | $346 | $498 | 44% | $152 |
| Mississippi | $474 | $959 | 102% | $485 |
| Montana | $412 | $741 | 80% | $329 |
| North Carolina | $681 | $2,988 | 339% | $2,307 |
| North Dakota | $353 | $532 | 51% | $179 |
| Nebraska | $402 | $987 | 145% | $585 |
| New Hampshire | $437 | $779 | 78% | $342 |
| New Jersey | $1,141 | $1,547 | 36% | $406 |
| New Mexico | $413 | $811 | 96% | $398 |
| Nevada | $823 | $1,530 | 86% | $707 |
| New York | $606 | $790 | 30% | $184 |
| Ohio | $291 | $641 | 120% | $350 |
| Oklahoma | $477 | $1,031 | 116% | $554 |
| Oregon | $644 | $1,242 | 93% | $598 |
| Pennsylvania | $279 | $761 | 173% | $482 |
| Rhode Island | $511 | $935 | 83% | $424 |
| South Carolina | $448 | $650 | 45% | $202 |
| South Dakota | $216 | $376 | 74% | $160 |
| Tennessee | $507 | $1,160 | 129% | $653 |
| Texas | $564 | $717 | 27% | $153 |
| Utah | $658 | $1,057 | 61% | $399 |
| Virginia | $549 | $1,358 | 147% | $809 |
| Vermont | $460 | $899 | 96% | $439 |
| Washington | $516 | $936 | 81% | $420 |
| Wisconsin | $398 | $683 | 72% | $285 |
| West Virginia | $442 | $633 | 43% | $191 |
| Wyoming | $270 | $577 | 114% | $307 |
Cheapest non-owner SR-22 by driver situation
The most affordable non-owner SR-22 insurance depends on your driving history, where you live and your state’s requirements.
USAA often has low rates for military members and their families. If you have a DUI, a license suspension or a recent gap in coverage, it’s a good idea to compare rates from national carriers such as State Farm, Travelers, GEICO and Progressive.
In states where insurance is expensive, get quotes from regional insurance companies as well because they might offer better deals than the big national companies.
| Driver profile | Where to start |
|---|---|
| Military family | USAA ($232/year)— lowest if you qualify |
| DUI within 3 years | Compare rates from State Farm, Travelers, GEICO and Progressive — DUI surcharges vary widely by carrier and state |
| License suspension | Compare rates from the national carriers mentioned above, plus any regional insurer in your state |
| High-cost states (New Jersey, Connecticut, Delaware) | Get quotes from regional insurers as well— national averages don’t reflect these states’ higher rates |
Sophie’s Tip
The company that’s cheapest for your neighbor probably isn’t cheapest for you. Always update your insurer about your specific situation—military status, DUI history and license suspension — to get the best rates.
How to get cheap non-owner SR-22 insurance
Some of the easiest ways to get cheap non-owner SR-22 insurance include comparing quotes from different carriers, checking regional insurers in your state, keeping your driving record clean during the filing period, avoiding coverage lapses and working with an independent agent who can help you find the best deal.
Let’s learn about each of these in detail:
- Compare quotes from at least three carriers, including a regional insurer if one operates in your state. Rates can vary by hundreds of dollars for the same driver profile.
- Check regional carrier availability before comparing national insurers. Auto-Owners ($207/year), Safety Insurance ($303/year) and Kemper ($328/year) often offer lower rates than national carriers.
- Maintain a clean driving record after the violation. Each new ticket can raise your premium at renewal and may extend your SR-22 filing period.
- Avoid coverage gaps. A lapse can trigger automatic insurer-to-DMV notification, license suspension, and, in many states, a restart of your filing clock.
- Work with an independent agent in your state. An agent can help you compare rates from multiple companies and find the best deal for you.
When to switch from a non-owner to a standard policy with SR-22
Switch from a non-owner SR-22 to a standard policy when you buy or lease a vehicle. Your insurer can transfer the SR-22 filing to the new policy without a coverage gap. Don’t cancel the non-owner policy until the new policy with SR-22 is active, as a coverage gap may lead to a license suspension.
The price difference is significant. A standard insurance policy with an SR-22 usually costs more than a non-owner SR-22 policy. This is because it includes collision and comprehensive coverage for your vehicle. The SR-22 part stays the same, but the higher premium covers the extra protection.
The process is simple. Call your insurance company on the day you get your vehicle. Most insurers can set up a policy with the SR-22 right away, start your coverage immediately, and move the SR-22 filing to your new policy without any gaps. Make sure you get written confirmation that the SR-22 has been re-filed with the DMV under your new policy before you cancel your non-owner policy.
People also ask
I am going to visit the USA for three weeks. I need car insurance for a Turo-rented car. I am a 27-year-old Polish citizen. 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 Polish citizen 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) with 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, and my FR-44 is valid through that date. 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 end date of the requirement 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 covered 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: Cheapest non-owner SR-22 insurance
What is the cheapest non-owner SR-22 insurance?
Auto-Owners is the cheapest non-owner SR-22 insurer at $207 a year or $17 per month, but it’s available in only 20 states. If you’re in one of those states, it’s the cheapest option for most drivers.
USAA is also affordable at $232 a year, but only military members, veterans and families qualify. Among national carriers, GEICO at $481 a year is the cheapest.
How much does non-owner SR-22 insurance cost on average?
Non-owner SR-22 insurance averages $574 a year nationwide. State rates range from $262 in South Dakota to $1,487 in New Jersey.
Who needs non-owner SR-22 insurance?
You may need non-owner SR-22 insurance if you don’t own a car but are required by your state to file an SR-22. It often applies after a DUI, driving without insurance, a suspended license, repeated traffic violations or an at-fault accident.
A non-owner SR-22 policy provides liability coverage when you drive a car you don’t own, such as a borrowed or rented vehicle. It also allows your insurance company to file the SR-22 form with the state, which is usually required to reinstate or maintain your driver’s license.
Non-owner SR-22 insurance is generally for drivers who need proof of financial responsibility but do not have regular access to a vehicle in their household.
Does non-owner SR-22 insurance cover the car I drive?
No. Non-owner SR-22 insurance typically does not cover damage to the car you are driving. It only provides liability coverage for injuries or property damage you cause to others. It won’t pay for repairs to a borrowed or rented car, and it usually doesn’t cover vehicles you own, use regularly or have access to in your household.
How long do I need non-owner SR-22 insurance?
Most states require drivers to carry SR-22 insurance for about three years, but the exact period varies by state and violation. Keep your non-owner SR-22 policy active until the state confirms that your filing requirement has been met. If the policy lapses, your license could be suspended again, or your SR-22 period may restart.
Resources & Methodology
CarInsurance.com commissioned Quadrant Information Services to field non-owner state-minimum liability rates (2026) with an SR-22 filing. Rates are based on a sample profile of 40-year-old male and female drivers with 10,000 annual mileage and a 12-mile commute. DUI rates are based on the same driver profile with one DUI conviction. Regional carriers are the insurers that operate in a limited number of states. Read the detailed methodology for more information.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
