Non-Owner SR22 Insurance

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Non Owner SR22 Insurance

Non owner SR 22 Insurance is a type of coverage for drivers that operate a vehicle they do not own, that is also required by the state to submit a CFR or certificate of financial responsibility in order to have their driver’s license reinstated. A non-owner insurance policy can be purchased with an SR 22 filing, which upon payment, is submitted electronically. When filed, the driver’s license is reinstated.

Non Owner SR22 Insurance

Who Needs Non Owner SR 22 Car Insurance?

Non owner auto insurance is a policy for motorists that operate cars that they do not legally own. Often times it comes into play when you rent or borrow a vehicle you don’t own for an extended period of time. A non-owner motorist may need additional SR22 Insurance. There are many reasons why a non-owner driver may be required to purchase SR-22 coverage. This includes:

  • Driving Under the Influence (DUI/DWI) Convictions
  • Court Ordered Legal Judgments
  • Having too Many Points on a persons DMV Record 
  • Having an Accident while carrying no auto insurance coverage
  • A Reckless Driving Conviction like Drag Racing or going over 100 MPH
  • Having multiple at-fault accidents that classify the driver as a High-Risk Motorist 
  • Not Paying Child Support or other legal, court-ordered obligations
  • Operating a Vehicle without car insurance 
  • Apply for a Hardship License

What’s Covered with a Non Owner SR 22 Auto Insurance Policy?

The non-owner SR-22 insurance coverage pays for injuries and property damage, in the event the driver gets into an accident. To make it simple, this type of coverage protects drivers who operate a vehicle that they don’t own. Non-owner auto insurance is supplemental coverage that also protects the owner of the vehicle, in the event a crash occurs, when someone else is driving. In some cases, a judge may mandate that non-owner car insurance is carried by the driver. This could be for a number of reasons, such as repeated accidents, without being insured.

A non-owner policy, in most cases, covers only the minimum mandated coverage in the state you live in. However, you can select higher limits and get more extensive coverage if you choose to. Most policies cover:

  • Liability Coverage, for damages and injuries you caused to the other party (excluding your passengers)
  • PIP, personal injury protection. This pays for injuries sustained in an accident, regardless of who was at fault.

You might also want to purchase uninsured motorist coverage. This covers you for medical costs and other damages, in the event you were hurt by an at-fault driver who did not carry auto insurance. It also applies to situations where the other drivers’ insurance limits were to low to fully cover your medical bills.

How Much Does a Non Owner SR 22 Car insurance Policy Cost?

Non Owner auto insurance is by itself cheaper than most other types of coverage. A typical policy can be purchased for about $490 per year, which is a lot less than a standard policy. However, when you add in the SR22 filing, then the policy can increase quite a bit too over $1,230 per year.

This is because drivers who are required to have SR 22 insurance are deemed as higher risk. They are more prone to dangerous driving and get into more accidents than drivers who are not required to get SR 22 auto insurance. Rates vary per individual, and you may pay more than $100 a month for non-owner SR 22 auto insurance coverage, or less. Get an online quote and compare rates in under 5 minutes.

The cost of non-owner SR 22 insurance will vary based on many factors: This includes:

  • Age of the Driver
  • Driving Record 
  • Vehicle 
  • Years Licensed 
  • Credit Rating 
  • Homeowner or Renter 
  • Gender 
  • Zipcode

Rates will also vary by state. Some areas like Michigan have higher rates than Tennessee, for example.

In most cases, you will need to have SR22 coverage between three to five years. The length of time you need to carry SR22 depends on your specific violation. For example, a DUI conviction might result in a longer SR22 order than driving without insurance for a short period of time.

When you first need to carry SR22 auto insurance can vary and might begin when the conviction occurred or the date the license was initially suspended. Compare the lowest rates for non-owner SR22 auto insurance in your area. Get started by entering your zip code.

What Vehicles are Covered with a Non Owner SR22 Auto Insurance Policy?

If an automobile is not owned or registered in your name, and you are going to drive it for an extended period of time, then it qualifies for non-owner SR22 coverage. Here are some examples that might fit your situation.

  • You Frequently Rent Vehicles
  • You borrow a friends or co-workers car for an extended period of time
  • You use a company-owned vehicle often for personal activities. For example, you take it on a long vacation
  • Need to File an SR-22 form or in Florida and Virginia an FR-44 form, so your license can be reinstated
  • You want to maintain continual car insurance coverage, even though you might not own a vehicle, in order to qualify for lower future rates
  • You use services such as Zip Car or Turo

 

What Companies Offer Non Owner SR-22 Insurance?

Many carriers offer non-owner SR-22 insurance plans, but no every insurer offers this type of coverage. The companies that do include:

  • Geico 
  • Progressive
  • The General
  • State Farm
  • Dairyland  
  • Nationwide 
  • Titan

Insurers that Don’t Sell Non Owners Policies
* Liberty Mutual 
* Allstate 
* Esurance 

 

It’s important to note that you need to speak with an agent to get a non-owner SR 22 insurance quote. Most direct insurers won’t give you quotes online, but you can always fill out a quote form online, and an agent will call you.

Who Cannot Purchase Non-Owner SR-22 Auto Insurance?

In some situations, usually mandated by the court, you will not be allowed to get a non-owner SR22 car insurance policy.  For example, a court ordered the installation of an “IID” or ignition interlock device.

Cases Where you Don’t Need Non Owner SR-22 Insurance

  • You are not legally required to file an SR-22 Insurance form any longer and have your vehicle. 
  • You borrow the vehicle of a family member you live with. 
  • You drive a company-owned vehicle but strictly for business.
  • You rarely rent cars. 

How to Get the Cheapest Non Owner SR 22 Insurance

The best way to get cheap non-owner SR22 insurance is to comparison shop quotes. Get at least ten quotes from leading carriers, and take your time comparing each one. You can also raise the deductible to $1,000 or more, which will reduce your rates quite a bit. You also want to get rid of any overlapping coverage that you might already have, like rental car coverage or towing.

Now that you know the ins and outs of non-owner sr-22 insurance fill out a quote and compare rates. Get the quality coverage you need at a lower rate.