Non-Owner SR-22 Car Insurance

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Non-owners SR-22 insurance is a type of car insurance that is designed for drivers that 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 reinstate your driving privileges after a license suspension.

Though most insurers will theoretically be able to offer you SR-22 insurance with no car, you may have to choose an insurance company that specializes in providing policies for high-risk drivers. We found that The General, Safe Auto and Direct General 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. However, as rates can differ drastically by region and driver profile, we recommend that you compare rates yourself.

What is non-owners SR-22 insurance?

If you don’t own a vehicle but have had your license suspended or been designated a high-risk driver, you best option may be to purchase non-owner SR-22 insurance. These policies will provide you with the required liability coverages in your state. Your coverage 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 non-owner car insurance policy you have to fit certain criteria:

  • You cannot own a vehicle
  • You cannot live with someone that owns a vehicle that you could potentially have access too
  • You cannot be required to have an ignition interlock device

Non-owner SR-22 car insurance is typically significantly cheaper than a typical SR-22 insurance policy. This is because insurers will assume that someone without a car will drive far less than a car owner — which significantly lowers the risk for insurance companies.

Cheap non-owner SR-22 insurance

The best way to find cheap non-owner SR-22 insurance is to compare rates from non-standard insurers, such as The General, Safe Auto and Direct General. Unlike other large auto insurers — such as State Farm or Allstate — these companies don't shy away from offering coverage to drivers that may be considered high risk. Companies that specialize in covering high risk drivers:

How to get a non-owners SR-22 insurance quote

The best way to get a non-owner SR-22 insurance quote is to call individual insurance companies or agents. In some instances, you may be able to get an online quote. But since these policies are fairly uncommon, most insurance companies will need to speak to you directly before providing you with coverage. Below, we've provided the phone numbers for some of the most prominent non-standard auto insurers:

Insurance companyPhone number
The General1-844-328-0306
Safe Auto1-800-723-3288
Direct General1-877-463-4732

What does non-owner SR-22 insurance cover?

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.

For example, say you get into an accident while driving a friend's car and cause property damage for which you are proven liable. Your friends 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 you should get a non-owner SR-22 insurance policy

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 lapse in auto insurance coverage — which can help keep your premiums from increasing in the future due to this fact. We have found that letting your auto coverage lapse for an extended period of time can cause insurance rates to go up by 30%.

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