UPDATED: Mar 23, 2020
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SR22 Car Insurance for Non-Owners
It may seem contradictory to buy auto insurance if you don’t own a vehicle, but in some instances, that’s exactly what you need to do.
SR-22 insurance is a specialized type of coverage that proves that you have the required insurance coverage required by law for a specified amount of time – often three years. Even if you don’t own a car, you may be legally required under certain circumstances to carry a non-owner SR-22 policy.
When do you need non-owner SR-22?
This type of policy is often needed under these circumstances:
- You’ve been caught driving without insurance, especially if you caused an accident.
- You’ve been convicted of driving under the influence (DUI)
- You’ve had your license revoked or suspended for having too many traffic offenses in a certain period of time (too many points on your license)
- You’ve had a legal judgment against you that requires this type of insurance
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What does it cover?
Non-owner SR-22 insurance is a type of liability insurance, so it coverages damages to other people and their vehicles. It doesn’t include collision or comprehensive insurance, so if another person causes the accident or a tree falls on the car, it won’t be covered. This type of insurance helps protect you financially if you cause an accident while driving a vehicle owned by someone else.
The standard type of this policy is often written for the minimum amount of coverage that your state requires, but you can also buy additional coverage if you’d like. Generally, it doesn’t require the payment of a deductible before the insurance company pays any money, but this can vary according to the particular policy you get.
It’s meant to satisfy your legal requirement and provide coverage if you, for example, get permission to occasionally borrow a friend’s car. It doesn’t cover rental or commercial vehicles, and it can’t be used to cover teen-age drivers living at home as a way to avoid adding them onto their parents’ policy.
What rules apply?
To obtain this type of insurance, you can’t own a vehicle, or even have one accessible to you in your household. You also cannot have a court-imposed ignition interlock device requirement. It’s also not meant to cover vehicles that you drive regularly – only those that you drive occasionally.
How do you find this type of insurance?
Not every auto insurance company offers this type of specialized insurance. Find ones that do and compare rates from these companies to find a level of coverage and price that best suits your needs.
What happens when your non-owner SR-22 ends?
When your SR-22 requirement ends, you can contact your insurance company to convert to regular auto insurance. Even if you don’t own a car at this point, you can still purchase non-owner insurance.