Do I need an SR-22 if I don’t have a car?

Answer: Yes.

If you’ve had your driver’s license suspended for driving without insurance, driving on a suspended license, DUI /DWI or by court order and do not own a car, your state will require non owner SR-22 insurance to be on file. This filing will serve as proof to the state you have the required insurance for driver’s license reinstatement.

Non owner SR-22 insurance requirement



This proof of insurance is commonly referred to as SR22 insurance, certificate of financial responsibility, certificate of insurance, etc. and is filed by an insurance carrier.  When you do not own a car or do not drive, you will need a non-owner SR22 policy to file the financial responsibility form with the state.

What is an SR-22?

An SR22 is a state-mandated certificate that proves that you have the state legal liability limits to reinstate your license. The SR22 is not an actual insurance policy, but an endorsement on an insurance policy that the insurance carrier files with the state.

What is non owner insurance?

Non-owner insurance gives coverage to you when you are driving other peoples vehicles.  Non-Owner policies do not give any coverage to vehicles owned by the named insured, and does not give any comprehensive, collision, or direct liability coverage to the automobile being driven.

The non-owner coverage serves as secondary liability insurance coverage that follows the driver or named insured.  

Where can I get non owners insurance?  

Not all car insurance companies offer non-owners policies or SR-22 filings.  However, at SR22-Insurance-Policies.com we work with insurance carriers that offer both.

By contacting our office toll-free at 1-866-663-7561, our agents can answer any questions you might have regarding SR22 filings and non-owners insurance. We can provide you with the cheapest non owners insurance quotes for SR22s or FR44s and get your policy issued quickly and accurately. We issue the policy and file the SR22 electronically the same day.

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