Key Takeaways
An SR-22 form, which stands for "safety responsibility," is part of a car insurance policy. It shows that you can pay your bills and gives the state peace of mind that your coverage levels meet their minimum insurance needs.
Most of the time, the state requires drivers accused of serious traffic violations like DUI to get an SR-22. The same is true for non-owner SR-22 insurance, which is for people who don't own cars.
An SR-22 form can cause your insurance rates to go up because it shows that you are a high-risk driver. It won't hurt your savings but could raise your rates by at least $162 a year.
SR-22 insurance for people who don't own a car only covers liability. It doesn't cover collision or total damage. Ultimately, you only need to meet the minimum standards in your state.
Your state may have minimum auto insurance rules, meaning you must have SR-22 insurance for at least three years.
You will be covered for liability for bodily injury and property damage if you have non-owner SR-22 insurance. These cover injuries and losses to other people.
Suppose you cause an accident, and the other person gets hurt. In that case, you are legally responsible for their medical bills, lost pay, and pain and suffering. It does not, however, cover your injuries or the injuries of your guests.
Damage to someone else's property, usually their car, is covered by property damage liability insurance. This can also cover things inside the car. Suppose you hit a building and cause damage. In that case, your property damage liability insurance will pay for the repairs up to the limit of your contract.
On average, SR-22 car insurance for people without cars costs $576 a year, plus a $25 filing fee. It's important to remember that the filing fee and total cost may differ in some states and with different providers.
When you get a serious traffic ticket, like a DUI, you must get SR-22 insurance. When you file an SR-22, you become a high-risk driver, increasing your insurance rates.
In the same way, non-owner SR-22 insurance is much cheaper than a regular SR-22 contract that covers the same things. Most people with an SR-22 on their car insurance pay $741 a year. Non-owner SR-22 insurance, on the other hand, costs an average of $576 a year and is $165 less expensive.
| Driving Record | Non-owner SR-22 Premium |
|---|---|
| Accident $1000-$1999 Prop Dmg | $1,077 |
| Clean | $718 |
| Driving Record | Non-owner SR-22 Premium |
|---|---|
| Accident $1000-$1999 Prop Dmg | $576 |
| Clean | $414 |
A non-owner SR-22 car insurance policy covers any car you drive. This type of insurance, called an "operator's policy," is made for people who don't own a car but still need coverage. In basic terms, your insurance covers you when you drive a car that doesn't belong to you or someone in your family.
It is important to remember that SR-22 insurance for people without own cars is secondary security. If you get into an accident while driving a friend's covered car, their insurance will pay for the damages until it runs out. After that, your insurance would start to cover you.
Your driver's license could be taken away if you are found guilty of a serious traffic crime, like driving without insurance or while drunk. Before the state will let you get your license back, you will need to show evidence of financial responsibility in the form of an SR-22. The same is true for non-owner SR-22 insurance; it's just for people who don't own a car but often share or borrow one from family or friends.
It's cheap and easy to show that you're responsible with your money by getting non-owner SR-22 insurance. It informs the state that your car insurance contract meets the minimum needs.
Liability coverage is part of non-owner SR-22 insurance policies. This protects you from third-party costs like medical care and property damage that you may pay if you cause an accident.
These companies offer the cheapest SR-22 insurance:
People who have served in the military or are currently serving can get great service from USAA for their families. Even though rates may be slightly higher, USAA has always had great customer service and low rates in all 50 states.
| Company | Annual Premium |
|---|---|
| Auto-Owners Insurance Co | $381 |
| USAA | $439 |
| State Farm | $601 |
| Travelers | $674 |
| Allied | $742 |
| Unitrin | $771 |
| Nationwide | $871 |
| Kemper | $904 |
| Allstate | $969 |
| Progressive | $976 |
| Farmers | $1,217 |
| Company | Annual Premium |
|---|---|
| Auto-Owners Insurance Co | $715 |
| USAA | $737 |
| State Farm | $858 |
| Allied | $1,095 |
| Travelers | $1,108 |
| Allstate | $1,280 |
| Nationwide | $1,356 |
| Unitrin | $1,374 |
| Progressive | $1,482 |
| Kemper | $1,506 |
| Farmers | $1,729 |
| Company | Annual Premium |
|---|---|
| Auto-Owners Insurance Co | $759 |
| USAA | $825 |
| State Farm | $1,052 |
| Travelers | $1,225 |
| Allied | $1,330 |
| Nationwide | $1,449 |
| Allstate | $1,497 |
| Unitrin | $1,499 |
| Kemper | $1,674 |
| Progressive | $1,822 |
| Farmers | $2,014 |
Some states may not offer non-owner SR-22 insurance, but they may offer standard plans. Most insurance companies won't let you get an online price for non-owner SR-22 insurance like they will for regular car insurance. You'll need to call the providers in your state to get sample rates.
Way has put together a list of major insurance companies that give SR-22 insurance:
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Non-owner SR-22 insurance is required for drivers who do not own a vehicle but are mandated to file an SR-22 form with their state's Department of Motor Vehicles (DMV). This insurance policy provides financial protection for bodily injury and property damage liability in case of an accident while driving a non-owned vehicle.
No, non-owner SR-22 insurance does not include full coverage. It only provides liability coverage, which helps pay for property damage or injuries caused to others in an accident. It does not cover damage to your vehicle. You must purchase a separate collision and comprehensive policy for full coverage.
The average cost of non-owner SR-22 insurance in the United States is $362.50 per year. However, the cost can vary depending on your state and driving record.
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