94% of Americans Qualify
for Lower Insurance Rates!

If you have ever had your driver’s license suspended or revoked, you will know the additional costs and paperwork that will follow such a driving violation. And if you receive a citation for driving with a suspended license and you do not own a vehicle, you will likely need to purchase a non owner SR22 insurance policy. There are several reasons why an individual might need non owner SR22 insurance coverage, including being ticketed for driving without a valid license or receiving a Driving Under the Influence (DUI) citation. If you find yourself in this situation and need to file an SR22 with the state, it is very important to understand what you need to do. It’s also a good idea to work with an insurance company that can help you find cheap non-owner SR22 insurance quotes, so you have the proper paperwork completed at the best possible rates.

Is Non Owner SR22 Insurance Mandatory?

In some cases, non owner SR22 insurance is mandatory. If you received a DUI or received a citation for driving with a suspended license, you will likely need to file an SR22 form with the state you live in. This form needs to be completed by your insurance company when you purchase auto insurance after a significant moving violation, and it essentially proves to the state government that you are carrying the proper insurance. If you do not own a vehicle and you are required to file an SR22, you will need to purchase a non owner SR22 insurance policy.

What Does Non Owner SR22 Cover?

If you have received a notice that you must file an SR22 and do not own your own vehicle, a non-owner SR22 policy will be a required purchase. When you talk with your insurance company, make sure you inform them of your need to file an SR22 and that you do not own a vehicle. Your insurance company will assist you in retaining the necessary insurance. When you have purchased your insurance policy, it’s important for you to understand what it does and does not cover. While it is a type of car insurance policy, it is very different from a standard policy. When you purchase a non-owner SR22 policy, you are purchasing liability insurance coverage that follows you as the driver. This liability insurance will provide coverage if you accidentally injured someone while you were driving a borrowed vehicle. Likewise, if you damage another person’s property (such as a fence) while driving a borrowed vehicle, your Non Owner SR22 liability policy will provide coverage for that damaged fence. Coverage will vary depending on the amount of liability you purchased of course. One very important detail to note is that your Non Owner SR22 insurance policy will not provide any coverage for the car you have borrowed if it gets damaged. Additionally, if you purchase a vehicle while you are required to file the SR22 form, you must tell your insurance company immediately so they can make the proper adjustments to your policy.

How much does Non Owner SR22 cost?

Non Owner SR22 insurance is significantly more expensive than a standard car insurance policy. Since you were required to file the SR22 form due to a major driving violation, most insurance companies will consider you a more hazardous driver to insure. This means that you will pay more for a non owner SR22 insurance policy than another driver who does not have major driving violations and is not required to file an SR22 form. You will likely be required to file the SR22 form for several years, so the costs can and do add up. Some companies will also charge you an additional fee for filing. At 2nd Chance Insurance, we offer this filing for free! We know it’s often difficult to obtain low-cost non owner SR22 insurance, so we file the SR22 for you at no additional cost. Please call us today if you have questions about non-owner SR22 insurance coverage, or if you’d like to get a quote!

Other Types of Insurance We Offer