If you are required to have car insurance but don’t own a car, non-owner SR-22 insurance may be the right choice. This affordable option can help many drivers meet their obligation to the state without paying more than necessary. It’s also a great choice for people who want liability coverage while driving rental or borrowed vehicles.

Select Insurance Group can help you find the right non-owner insurance policy to satisfy your SR-22 requirements at affordable prices. We make the process simple with trusted, knowledgeable agents throughout the U.S.

What Is Non-Owner SR-22 Insurance?

Non-owner SR-22 insurance is a type of policy that offers liability coverage for people who don’t own a vehicle but may need insurance for borrowed cars or due to an SR-22 requirement. An SR-22 is a form sometimes required by the state that proves an individual has a specific amount of insurance coverage. It is issued by the insurance provider and typically applies to high-risk drivers, such as those with certain accidents or convictions on their record. Coverage amounts will vary between states.

If you need an SR-22, a non-owner policy can satisfy the requirement.

Frequently Asked Questions About Non-Owner SR-22 Insurance

Non-owner SR-22 policies can be complex. Below are some commonly asked questions about this type of insurance.

When Is an SR-22 Required?

While different states have different requirements, an SR-22 form is typically required after incidents such as:

  • Driving under the influence (DUI) or driving while intoxicated (DWI).
  • Driving without insurance.
  • Driving without a license.
  • Serious moving violations.
  • Multiple incidents in a short period of time.

Remember, an SR-22 is just the form that proves your insurance coverage — it is not the insurance policy itself. It can be required for people who have had their license reinstated or are trying to get it reinstated.

Owner vs. Non-Owner SR-22 Insurance

While both options revolve around the SR-22 requirement, these two types of policies differ in what they cover and, of course, whether the driver owns the vehicle. Non-owner SR-22 is a liability-only type of insurance, offering coverage for other people and property involved in an incident. Vehicle owners typically want to protect themselves and their vehicles, too, so owner SR-22 policies tend to include more coverage. They’re a little more expensive as a result.

What Does a Non-Owner SR-22 Insurance Policy Cover?

Non-owner SR-22 policies typically cover damages to other people’s vehicles and properties, but not the vehicle you’re driving. It usually covers liability, medical payments and uninsured motorist coverage.

What Is Not Covered Under Non-Owner SR-22 Insurance?

Non-owner insurance does not offer coverage for the vehicle you’re driving and often does not cover physical damage, towing reimbursement or rental reimbursement.

Note that non-owner insurance also does not cover:

  • Cars owned by the insured or their spouse.
  • Cars driven during business transactions.
  • Cars used by the insured on a regular basis.

Remember that you’ll still need to have coverage on a vehicle you’re driving. Non-owner SR-22 insurance is secondary insurance and does not provide vehicle coverage, which is a requirement in all states.

How Much Does Non-Owner SR-22 Insurance Cost?

One of the major benefits of non-owner car insurance is that it is cheaper than owner SR-22 insurance. Plus, these policies often don’t have deductibles. The price can vary significantly based on your location, coverage and driving history. An SR-22 policy is typically more expensive than a standard policy, but non-owner policies are less expensive than owner policies.

The higher cost of an SR-22 policy isn’t due to the SR-22 requirement itself, but usually due to the offense that caused it. The policy, however, might cost much more for someone with a DUI rather than a more minor traffic violation.

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Get a free online personalized quote and learn more about coverages, money-saving discounts and more.

Contact Our Licensed Insurance Agents

Our licensed SR-22 insurance agents are here to answer all of your questions and take your application over the phone. Call us at 855-438-7353.


Why Choose Select Insurance Group?

Select Insurance Group strives to find affordable insurance options for all of our customers, regardless of what’s on your record. We do so with the help of a skilled, experienced team of agents dedicated to finding the best rates and assistance for high-risk drivers. SR-22 insurance is our specialty.

Whether you’re looking to get your license reinstated or drive a borrowed car every now and then, we can help you find cheap non-owner SR-22 insurance that provides the necessary coverage.

Get a Free Quote Today

If you need a non-owner SR-22 policy, turn to the people who specialize in high-risk auto insurance. At Select Insurance Group, we’ll match you with the right coverage option for your situation and budget. To learn more, please request a quote online or call us at 855-438-7353!