Cost of Non-Owner SR-22 Insurance
Find Cheap Auto Insurance Quotes in Your Area
Non-owner SR-22 insurance is a type of car insurance that is designed for drivers who are required to have SR-22 insurance but do not own a car. You may have to get one of these policies in order to have your driving privileges reinstated after a license suspension.
Although most insurers can theoretically offer you SR-22 insurance without a car, you may have to choose an insurance company that specializes in providing policies for high-risk drivers. As rates can differ by over $2,000 per year between insurers, we recommend that you compare rates yourself.
The General, SafeAuto and Direct Auto Insurance are good companies to get quotes from, as they specialize in covering high-risk drivers and will likely be able to offer cheap non-owner SR-22 coverage.
How to get cheap non-owner SR-22 insurance
Non-owner SR-22 car insurance is usually significantly cheaper than a typical SR-22 insurance policy. This is because insurers assume someone without a car drives far less than a car owner, which greatly lowers the risk for insurance companies.
The best way to find cheap non-owner SR-22 insurance is to compare rates from nonstandard insurers, such as The General, SafeAuto and Direct Auto Insurance. Unlike other large auto insurance brands — like State Farm or Allstate — these companies don't shy away from offering coverage to drivers who may be considered high risk. Companies that specialize in covering high-risk drivers and may offer non-owner SR-22 insurance include:
Other insurers that may be able to provide a non-owner SR-22 policy include GAINSCO Auto Insurance and Titan.
How much does non-owner SR-22 insurance cost?
Prices for non-owner SR-22 insurance vary a great deal, based on location and individual situations. ValuePenguin collected quotes for the same driver profile, and in Chicago, they ranged from just over $600 to more than $2,600 a year.
Company | Los Angeles cost | Chicago cost | |
|---|---|---|---|
| The General | $1,004 | $2,628 |
| National General | $831 | $606 |
The quotes were for 12-month policies, when offered, or six months, when it was the only option. The driver is a 30-year-old man with one DUI. Some companies did not offer coverage in certain states.
Find Cheap Auto Insurance Quotes in Your Area
What is non-owner SR-22 insurance?
If you don't own a vehicle but have had your license suspended or been designated a high-risk driver, your best option may be to purchase non-owner SR-22 insurance. These policies provide you with the required liability coverages in your state. Your insurance would apply if you were to get into an accident in a car that you rented or borrowed from a friend.
To be eligible for a non-owner car insurance policy, you have to fit certain criteria:
- You cannot own a vehicle.
- You cannot live with someone who owns a vehicle that you could potentially drive.
- You cannot be required to have an ignition interlock device.
Non-owner SR-22 insurance, sometimes called nondriver insurance, usually includes property damage and bodily injury liability:
Property damage liability | Bodily injury liability |
|---|---|
| This covers you for the cost of repairs for damage you caused to another person's property. | If you are at fault for an accident, this covers the medical bills of anyone injured in the accident.. |
However, a non-owner SR-22 policy does not cover physical damages like collision or comprehensive insurance does, so your policy won't cover the damages caused to any car that you are driving.
Does a non-owner SR-22 policy cover any car you drive?
When you get non-owner SR-22 insurance, it covers any car you drive, because the policy is considered an operator's policy. It means you can drive any car or truck, so long as it's not owned by you or someone who lives with you. But remember: This only pays for damage or injuries you cause to another person or their property, not for repairs to the car you were driving.
Non-owner SR-22 insurance covers you if you get into an accident while driving a friend's car or a vehicle you have rented. These policies are considered secondary coverage, meaning that the policy only kicks in once the primary insurance policy's limits are exhausted.
Say you get into an accident while driving a friend's car and cause property damage for which you are proven liable. Your friend's auto insurance policy would pay out first, up to their property damage liability limit, at which point your non-owner SR-22 coverage would kick in.
Why should you get an SR-22 insurance policy without a car?
In addition to getting your driving privileges back after your license has been suspended, a non-owner SR-22 insurance policy can also help you avoid a car insurance lapse, which could cause your premiums to increase.
Letting your auto coverage lapse for an extended period of time can cause insurance rates to go up by 30%.
How do you get a non-owner SR-22 insurance quote?
The best way to get a non-owner SR-22 insurance quote is to call individual insurance companies and agents. In some instances, you may be able to get an online quote, but in most cases, these policies have to be purchased over the phone or in person.
Finding a policy can be difficult. ValuePenguin surveyed several national insurers and found some did not offer SR-22 insurance in certain states. For instance, several local Progressive agencies we called in Chicago and New York did not offer them to new customers.
How to contact nonstandard auto insurance companies
Insurance company | Phone number |
|---|---|
| The General | (844) 327‑9870 |
| Direct Auto Insurance | (877) 463-4732 |
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