Updated: May 19, 2025
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Non-owner SR-22 insurance provides liability coverage for people without vehicles who need to file SR-22 forms, with monthly premiums averaging $43 nationwide.
SR-22 requirements typically follow serious violations like DUIs or driving without insurance, with most states mandating coverage for three years.
Filing an SR-22 increases insurance costs by about $162 annually on average, though non-owner policies remain 22% cheaper than standard SR-22 insurance for vehicle owners.
Non-Owner SR-22 Insurance is specifically designed for drivers who don't own vehicles but need to file SR-22 forms with their state. SR-22 policies combine two elements, a financial responsibility certificate and non-owner auto insurance policy. The certificate verifies that drivers meet state minimum insurance requirements, while the non-owner policy provides necessary coverage for those who don't possess vehicles but need driving privileges.
Non-owner SR-22 insurance provides liability-only coverage that protects other's property and person if you cause an accident while driving a borrowed or rented vehicle. This protection typically includes  bodily injury liability and property damage liability.
Bodily injury liability covers medical expenses, lost wages and pain and suffering for others injured in an accident where you're at fault. The coverage does not apply to your own injuries or those of your passengers.
Property damage liability covers damage to others' property in accidents that are your fault, including repairs to other vehicles, damage to structures like buildings and fences, damaged personal property, damaged public property such as guardrails and light posts, and related legal defense costs.
Some states impose higher liability minimums specifically for SR-22 drivers and twelve states require personal injury protection. While twenty states mandate uninsured/underinsured motorist coverage in addition to liability coverage.
Always verify your state's exact SR-22 requirements with your DMV, as inadequate coverage will result in certificate rejection and continued license suspension.
Non-owner SR-22 does not include collision coverage for damage to the vehicle you're driving, comprehensive coverage for theft, vandalism or natural disasters, medical payments for you or your passengers, or uninsured/underinsured motorist coverage unless required by your state.
It also excludes personal injury protection unless state-mandated, coverage for vehicles you own and coverage for vehicles regularly available to you, such as a household member's car.
You need non-owner SR-22 insurance if you've been court-ordered to file an SR-22 form but don't own a vehicle. This typically happens after serious violations like DUIs, multiple accidents, driving without insurance, or license suspensions. The coverage allows you to maintain legal driving privileges while using borrowed or rented vehicles.
Non-owner SR-22 insurance provides significant advantages for high-risk non car owners seeking car insurance. This specialized coverage offers a cost-effective path to license reinstatement and legal compliance while avoiding the higher expenses of standard policies. Several key benefits include:
Benefit | Why it Matters |
|---|---|
License Reinstatement | The primary benefit is meeting state requirements for license reinstatement after a suspension. Without proper SR-22 filing, most states won't restore driving privileges. |
Continuous Insurance History | Non-owner SR-22 insurance maintains your coverage history, potentially saving money when you purchase standard auto insurance in the future. |
Financial Protection | When driving borrowed or rented vehicles, non-owner policies provide liability protection beyond the vehicle owner's insurance. This can prevent financial devastation if you cause a serious accident.. |
Lower Costs Than Standard SR-22 | Non-owner SR-22 insurance typically costs 22% less than standard SR-22 policies for vehicle owners since it doesn't include comprehensive or collision coverage. |
Flexibility Without Commitment | Non-owner policies allow occasional driving without the financial commitment of vehicle ownership while meeting state financial responsibility requirements. |
After a DUI, DWI, or other major traffic violation, courts might order drivers to file an SR-22 form that certifies the convicted driver's insurance policy meets the state requirements. Those without vehicles must secure non-owner auto insurance to maintain driving privileges. Any coverage lapse forces drivers to restart the entire process, including purchasing new policies and potentially extending their filing period.
Most states require drivers to file SR-22 forms for three years, but Alaska and Missouri offer one-year terms for minor violations, while Florida, Indiana and Oregon mandate five years for serious DUIs. Some insurance companies handle the entire filing process, while others require drivers to visit DMV offices, pay the filing fee and deliver the completed forms to their insurer.
States use different financial responsibility forms that vary depending on your specific violation, knowing exactly which document you need helps avoid reinstatement delays, unnecessary costs and extended license suspensions. Your state might require one of these alternatives instead of an SR-22:
Florida and Virginia require this form for three years specifically after DUI convictions. This certificate mandates significantly higher liability limits which are typically double the state minimum .
Several states use this document as proof of insurance following an accident resulting in property damage exceeding $1,000, injuries, or fatalities. Unlike an SR-22, the SR-21 verifies you had coverage at the time of the incident rather than guaranteeing future coverage.
An SR-22 is a certificate your insurer files with your state DMV proving you maintain the required liability coverage for three years.
Unique to Indiana, this certificate provides proof of insurance coverage when reinstating a suspended license. The SR-50 serves a similar purpose to the SR-22 but follows Indiana's specific regulatory requirements. Indians typically have to file this document for one to three years depending on the severity of the violation.
If you move to another state during your mandated filing period, you must maintain your SR-22 (or alternative form) in the state where it was originally required.
Non-owner SR-22 insurance costs an average of $516 annually, or $43 monthly for drivers with violations compared to $414 for those with clean records. Additionally, there's typically a one-time SR-22 filing fee of $15-$25, depending on your state and insurer. To find the most affordable rates specific to your location, refer to the state-by-state comparison table below to identify providers offering the best rates in your area.
| Alabama | $44 | $532 |
| Alaska | $36 | $437 |
| Arizona | $44 | $534 |
| Arkansas | $30 | $364 |
| California | $41 | $492 |
| Colorado | $43 | $517 |
| Connecticut | $46 | $546 |
| Delaware | $52 | $622 |
| District of Columbia | $42 | $508 |
| Florida | $74 | $886 |
| Georgia | $39 | $463 |
| Hawaii | $30 | $365 |
| Idaho | $22 | $264 |
| Illinois | $30 | $357 |
| Indiana | $28 | $341 |
| Iowa | $22 | $258 |
| Kansas | $27 | $322 |
| Kentucky | $47 | $568 |
| Louisiana | $69 | $822 |
| Maine | $35 | $425 |
| Maryland | $45 | $545 |
| Massachusetts | $49 | $589 |
| Michigan | $112 | $1,343 |
| Minnesota | $33 | $397 |
| Mississippi | $37 | $448 |
| Missouri | $49 | $582 |
| Montana | $32 | $388 |
| Nebraska | $28 | $335 |
| Nevada | $59 | $706 |
| New Hampshire | $31 | $370 |
| New Jersey | $86 | $1,027 |
| New Mexico | $43 | $516 |
| New York | $75 | $901 |
| North Carolina | $52 | $624 |
| North Dakota | $22 | $260 |
| Ohio | $44 | $532 |
| Oklahoma | $33 | $390 |
| Oregon | $50 | $597 |
| Pennsylvania | $41 | $493 |
| Rhode Island | $61 | $726 |
| South Carolina | $56 | $675 |
| South Dakota | $20 | $237 |
| Tennessee | $30 | $360 |
| Texas | $48 | $579 |
| Utah | $44 | $530 |
| Vermont | $26 | $317 |
| Virginia | $37 | $445 |
| Washington | $44 | $531 |
| West Virginia | $35 | $424 |
| Wisconsin | $30 | $365 |
| Wyoming | $17 | $199 |
State regulations create dramatic price variations of up to 300% for SR-22 insurance. No-fault states like Florida, New York and New Jersey charge higher premiums because their systems require coverage regardless of which driver is at fault. Additionally, several other key factors determine your non-owner SR-22 insurance premium:
Use our proprietary cost calculator to determine your exact non-owner SR-22 insurance costs based on your specific circumstances.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Jun 09, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 |
| 2 |  GEICO | 82 /of 100 | $109 |
| 3 | 83 /of 100 | $118 | |
| 4 | 83 /of 100 | $129 | |
| 5 | 79 /of 100 | $133 | |
| 6 | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Obtaining non-owner SR-22 insurance involves several specific steps. The process typically begins after you've been notified by the court or DMV that an SR-22 filing is required. Here's how to secure coverage:
Contact your state's DMV to verify the requirement and understand specific coverage needs, as misunderstanding these requirements could lead to delays in license reinstatement.
Not all companies offer non-owner SR-22 insurance, so identify those that do, saving you time and frustration during your search.
Prepare your driver's license number, SR-22 case number (if applicable) and violation details, as having this information ready streamlines the application process.
Contact multiple insurers for non-owner SR-22 insurance quotes to ensure you're getting competitive rates for this specialized coverage.
Review costs, coverage limits and company reputations to find the best balance of affordability and reliable service.
Select and purchase the most appropriate policy that meets both your state's requirements and your financial situation.
Confirm your insurance company has filed the SR-22 with the state, as this documentation is what ultimately satisfies your legal obligation.
Keep your policy active throughout the required period, as any lapse could reset your filing requirement timeframe and potentially lead to license suspension.
When your SR-22 requirement ends, this document verifies your continuous coverage history and can help reduce future premiums, as most insurers offer better rates to drivers without previous laps in coverage.
Farmers offers the cheapest non-owner SR-22 insurance at just $77 monthly, with a MoneyGeek score of 78. Allstate follows closely at $78 per month with a score of 78, while Nationwide rounds out the top three at $79 monthly with a 79 rating.
These affordable options provide basic liability coverage for drivers without vehicles who need SR-22 filings. Comparing quotes from multiple providers is essential, as rates can vary significantly based on individual factors and location.
| USAA | $56 | $678 | 94 |
| Travelers | $85 | $1,022 | 86 |
| GEICO | $89 | $1,068 | 86 |
| State Farm | $71 | $848 | 85 |
| Progressive | $120 | $1,438 | 81 |
| Nationwide | $103 | $1,236 | 80 |
| Allstate | $104 | $1,248 | 79 |
| Farmers | $135 | $1,625 | 77 |
When shopping for non-owner SR-22 insurance, remember that not all companies offer these specialized policies. Focus on providers with experience handling high-risk drivers, request quotes from multiple insurers to find the best rates and maintain continuous coverage throughout your required filing period. While limitations exist, non-owner SR-22 insurance offers a practical solution for meeting state requirements without vehicle ownership.
A non-owner SR-22 insurance policy is liability-only coverage for drivers who don't own vehicles but need to file SR-22 forms with their state. It provides coverage when you drive borrowed or rented vehicles and helps reinstate your license after serious driving violations.
Generally, no. Most insurers won't issue non-owner SR-22 policies if you have regular access to a household vehicle. Instead, you'll typically need to be added to the existing auto policy with an SR-22 filing. Some specialized providers may offer exceptions with proof you don't drive household vehicles.
Most states require SR-22 filings for three years, though this can range from one to five years depending on the violation severity and your state's regulations. The timeframe begins when your license is reinstated, not when the violation occurred, and continuous coverage is essential throughout this period.
If your policy lapses before your required SR-22 period ends, your insurance company must notify the state. This typically results in immediate license suspension until you reinstate coverage. Additionally, your SR-22 filing period often resets, extending the time you need to maintain this require
Most likely, yes. Once your SR-22 requirement period ends and the filing is removed from your policy, you'll typically see premium decreases. However, the timing and amount depend on your overall driving history, with serious violations like DUIs potentially affecting rates for up to 10 years.
Yes, but the process requires careful coordination. Your new insurer must file a new SR-22 before your current policy cancels to avoid coverage gaps. Any lapse will trigger state notification and possible license suspension. Work with both companies to ensure a seamless transition.
We analyzed data from over 50 insurance providers offering non-owner SR-22 policies across all 50 states to provide accurate, comprehensive information. Our research team gathered premium data directly from insurance filings and state departments of insurance, comparing rates across different driver profiles, violation types and coverage levels.
For consistency in our analysis, we used a standardized driver profile: a 40-year-old with one at-fault accident resulting in property damage between $1,000-$1,999. We collected quotes for minimum liability coverage required in each state, including bodily injury and property damage liability. All reported averages include SR-22 filing fees where applicable.
Our evaluation considered multiple factors, including:
This methodology allows us to present a balanced, accurate view of non-owner SR-22 insurance options, helping readers make informed decisions based on their specific circumstances and state requirements.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
