How to Get Non Owners SR22 Insurance

Young women looking at map at back of car
Hero Images / Getty Images

It is possible after having your license suspended you need to get rid of your car altogether. Maybe you do not have regular access to any vehicle, but still want to get your driver's license reinstated. You will need to look into purchasing a nonowners insurance policy with an SR22 filing.

What is NonOwners SR22?

A nonowner's SR22 insurance policy will cover you against liability claims plus it will keep the state up to date with your car insurance currency.

This particular type of policy is a smart choice for someone without regular access to a vehicle. It will give you the opportunity to get your license status back to good with minimal cost. At the bare minimum, you will need to purchase liability limits at your state's minimum limit requirement.

Get a NonOwners SR22 Insurance Policy

Call an insurance agency which handles lots of high-risk car insurance policies. It is possible to purchase a policy online, but you will probably have an easier time speaking with an insurance agent for a policy like this. Give them all of your information and be forthcoming about your situation. A nonowners car insurance policy only works if you meet specified criteria.

  1. You cannot own a vehicle
  2. There cannot be other accessible vehicles in the household even if they do not belong to you
  3. You cannot have an ignition interlock device requirement

Save Money With a NonOwners SR22 Policy

In comparison to a traditional car insurance policy, you will be paying pennies on the dollar for a nonowners policy.

It is really the smartest way to get back on your feet if you are able to without a car. Getting your driver's license in good standing before purchasing a car could potentially save you thousands of dollars!

Provides Coverage

This policy is not just going to get you legal, it is also to provide some protection if you are in an accident.

For example, if you borrow a friends car and they have the state's minimum coverage on the vehicle and you cause severe damages which exceed those limits, your nonowner's policy could kick in to help pay off the remainder. Because a nonowner's policy is cheap, it would be a good idea to purchase preferred limits of 100/300/100.

Avoid a Lapse in Coverage

Letting a car insurance policy with an SR22 filing cancel is a very bad idea. The insurance carrier will notify the state and your driver's license will likely be revoked. You will have to start your probationary SR22 driving status all over again which is often a three-year period. Keep your license valid by keeping up on your car insurance payments.

High-Risk Car Insurance Tips