Marissa Hayes

Insurance Writer & Expert

Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

Insurance Writer & Expert

Daniel Walker

Licensed Insurance Agent

Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. To ensure our content is accura...

Licensed Insurance Agent

UPDATED: Dec 4, 2023

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Some may think of vehicle insurance as a necessary evil – something required but, really, just one more expense that will have to come out of the budget. The more logical and realistic realize that car insurance is something you’d much rather have and not need than need and not have and dutifully take care of obtaining the proper coverage for all drivers in the home.

Why Buy Non-Owner Auto Insurance?

Auto insurance comes in many forms. Most may think of it as just the state-required liability coverage or, as an alternative, something more comprehensive with collision, theft, etc. added in. There are, however, a variety of car insurance types with which you may be unfamiliar, such as non-owner car insurance.

You Have Dozens of Options

There are actually dozens of options regarding vehicle insurance, many of which you may not know about since they aren’t very well advertised or routinely made available unless specifically requested. Each insurance option adds protection against the risk of financial loss in only certain, specific areas.

Liability insurance, for example, covers you in the event that an accident deemed your fault causes bodily injury or property damage to someone else. It pays nothing, however, in compensation for your own bodily injury or property damage.

To be covered for these you’re required to add options to your policy such as collision and medical coverage. Besides the well-known, typical types of car insurance, there are also many that only a fairly small percentage of insurance buyers feel they require, but that fill a important need for those who do. Some of these include:

  • Mechanical breakdown coverage
  • Customized equipment and parts coverage
  • Non-owner car insurance
  • ” certificate, sometimes called SR22 insurance
  • Emergency road service coverage
  • Gap insurance
  • Lease/loan payments coverage, and more

Non-Owner and SR22

While not all auto insurance companies write non-owner and SR22 coverage, the major ones such as Geico and Progressive do. Obtaining non-owner SR22 insurance cost quotes can be done either right here at or by clicking through to any of the various insurance companies featured on our site.

Non-owner coverage serves the needs of several types of individuals, all of whom drive vehicles other than those they own. Unless these non-owned vehicles are protected under a commercial policy which extends to protect your risk of loss while you’re driving, you may consider a non-owner policy. There are exceptions.

If you’re a young driver still living at home with your parents, you’re likely covered on their policy when driving their vehicles. If you’re borrowing a friend’s car, however, even if the car has insurance that covers other drivers, the amount of liability protection may have low-limit dollar amounts. A non-owner liability policy would provide the added coverage you would likely need in the event of a serious accident.

Who Else Needs Non-Owner Liability Coverage?

Drivers who frequently rent cars may also benefit from non-owner liability protection if they typically pay an extra premium at the rental counter for additional insurance coverage. Those who already have insurance on their personal vehicle, however, may find that their policy provides coverage when driving a rental vehicle. Paying for the rental with certain credit cards may also provide you even more insurance protection.

It should be noted that non-owner insurance coverage is liability protection only and does nothing to pay you for financial loss suffered as a result of an accident. It only pays others who suffer a loss as a result of a vehicle accident you caused.

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SR22 Without Vehicle Coverage

Each state in the U.S. has specific requirements for the amount of liability coverage a driver must carry.

Liability protection consists of three separate components of protection:

  • Bodily injury, per person
  • Bodily injury, total of all persons
  • Property damage total

These three components are limited in the amounts they will pay per claim. Those limits are selected by the insured when taking out the policy. Individual states will usually have minimum limits that drivers within their jurisdictions must carry.

Just as non-owner insurance is straight liability coverage, so is “SR22 without vehicle coverage” strictly liability protection. The “SR” in SR22 stands for “Safe Responsibility” and an SR22 is, in fact, not insurance at all but rather a document verifying that you have insurance.

It’s written up by your insurance company and forwarded, by them, to your state’s Department of Motor Vehicles (DMV). In some states, the SR22 may be replaced by a document called an FR44, the “FR” standing for “Financial Responsibility.” Both are Certificates of Insurance stating that the individual named thereon is carrying the legally mandated amount of vehicle liability insurance.

If the insured subsequently cancels the SR22, the insurance company is required by law to notify the DMV by way of filing an SR26.

Who Needs an SR22?

An SR22 is something that can be required by the courts for a variety of reasons, and each state will have its own SR22 laws and specific processes to follow, though there are several states (8) that don’t require SR22s.

There are also many names by which the SR22 is called, including SR:

  • Bond
  • Certificate
  • Certificate of Financial Responsibility
  • Filing
  • Form
  • Insurance

Some of the most common reasons a court requires someone to obtain an SR22 include one or more DUI convictions, especially if the DUI arrest occurred in conjunction with an auto accident deemed your fault. Having a car accident while not being covered by the legally required amount of liability insurance is also an infraction that may well earn you an SR22 requirement.

You could be required to get an SR22 when coming off a license suspension or as a prerequisite to keep a license in jeopardy of being suspended. Typically, once an SR22 is required to be put in force it must remain in force for the time frame defined by the court. You can call the number on this site or begin a car insurance quote using the zip code box for more information regarding non-owner SR22 insurance quotes.