Cost of Non-Owner SR-22 Insurance

Cost of Non-Owner SR-22 Insurance

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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 reinstate your driving privileges 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.

We found that The General, SafeAuto and Direct Auto 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 typically 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 significantly 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. Unlike other large auto insurers — such as 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:

Acceptance
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Direct Auto
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The General
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SafeAuto
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Other high-risk insurers, which may be able to provide a non-owner SR-22 policy, include GAINSCO, Infinity 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 situation. Quotes collected by ValuePenguin for the same driver profile ranged from just more than $600 per year to more than $2,600 in Chicago.

Insurer
Los Angeles cost
Chicago cost
The General$1,004$2,628
SafeAuto$855Not offered
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.

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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 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 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 have access to.
  • You cannot be required to have an ignition interlock device.

Non-owner SR-22 insurance, sometimes called non-driver insurance, is a policy instead of coverage, so the policy usually includes property damage and bodily injury liability:

Property damage liability
Bodily injury liability
This covers you for any costs of repairing damages caused to another person's property.If you are at fault for an accident, this covers any costs of injuries for another person's medical bills.
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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 drive.

Does non-owner SR-22 cover any car I 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 not owned by you or owned by a member of your household.

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 lapse in auto insurance coverage — which can help keep your premiums from increasing in the future due to this fact.

We found that 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 or agents. In some instances, you may be able to get an online quote. However, 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, Progressive Direct did not offer them at all, but said local agents could potentially offer those policies. And several local Progressive agencies we called in Chicago and New York did not offer them to new customers.

We suggest calling multiple insurers to get a sense of your options. Below are phone numbers for some of the most prominent nonstandard auto insurers:

Insurance company
Phone number
The General(866) 519-7422
SafeAuto(800) 723-3288
Direct Auto(877) 463-4732
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Ben Breiner is a senior writer at ValuePenguin specializing in auto insurance. He spent ten years in newspapers and has a degree in economics and journalism from the University of Wisconsin.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.