Elijah Black is a Greenville, South Carolina native with a B.A. English from Coastal Carolina University. He is a fiction writer and also works as a freelance writer and editor. He’s worked as a Production Assistant for WYFF 4 and has been published in several publications and websites across the United States.

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Auto Insurance Agent

UPDATED: Nov 2, 2020

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Getting an SR-22 isn’t ideal, but if you are a high-risk driver, it is a necessary evil. If you think that not owning a car can get you out of getting your SR-22, think again. Drivers who don’t own a car still have to get their SR-22 insurance. If you don’t own a car you can get non-owner SR-22 insurance.

How much does non-owner insurance cost? The average cost of SR-22 insurance varies, but filing fees are typically between $15 to $25, with the real cost coming down as increased car insurance rates.

In this guide, we will cover what is non-owner SR-22 insurance and how it differs from owners SR-22 insurance.

What company has the cheapest SR-22 insurance? Enter your ZIP code above and start comparing car insurance rates online now.

What is non-owner SR-22 insurance?

What is SR-22 insurance? The easiest way to comprehend what non-owner SR22 auto insurance is would be to think of it as a way to keep the coverage you need even if you do not own a car.

Can I get SR-22 insurance without a vehicle?

The first big question is: can you get an SR-22 without a car? If you are required to carry SR-22 insurance in order to legally operate a vehicle, this is what you need even if you are driving someone else’s car.

As with many other aspects of SR-22 insurance, or car insurance in general, the requirements may vary from state to state. Make sure you know the guidelines for your current state or a state where you may be relocating.

So what exactly does the non-owner SR-22 insurance coverage include?

Like liability insurance, SR-22 non-owner car insurance covers the expenses for the other party. This would include another vehicle, personal property, and bodily injury.

Below are the differences between bodily injury liability and personal property liability.

  • Bodily Injury Liability – pays for damages to injuries parties caused by the driver at fault
  • Personal Property Liability – pays for damages to your vehicle

Below are the differences between collision and comprehensive insurance.

  • Collision Insurance – pays for repairs for your car or to help replace your car if it is damaged in a collision
  • Comprehensive Insurance – pays for repairs to your vehicle or help replace your vehicle if it is damaged in an accident that is not a collision

Below are the differences between uninsured and underinsured motorist coverage.

  • Uninsured Motorist Coverage – compensates to you when you suffer an injury from an accident caused by a driver who does not have car insurance
  • Underinsured Motorist Coverage – gives you coverage when you are in an accident with a driver that doesn’t have enough insurance

Below are the differences between medical payments and personal injury protection.

  • Medical Payments – pays for medical bills and funeral expenses for you and the passengers in your vehicle
  • Personal Injury Protection – reimburses loss of income, medical bills, funeral costs, and rehabilitation and replacement services

As the driver though, your own expenses would not be covered. This is important to keep in mind because if you are borrowing a car from someone and are involved in an accident, the vehicle you are driving will not be covered.

The amount of minimum required coverage varies from state to state, but it is a good idea to exceed this coverage if possible.

Average Annual Liability Coverage Car Insurance Rates by State
StateAverage Annual Liability Coverage Rates
District of Columbia$628.09
South Dakota$289.04
New Hampshire$393.24
New Jersey$865.55
New Mexico$462.21
New York$784.98
North Carolina$357.59
North Dakota$282.55
Rhode Island$720.06
South Carolina$497.50
West Virginia$501.44
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If the amount of damage caused to the other driver’s vehicle, personal property or bodily injury exceeds the coverage amounts in the policy, you will still be responsible for covering the difference. It is also important to maintain this type of SR-22 insurance without allowing any lapses to occur.

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What’s the difference between owner & non-owner SR-22 insurance?

To some degree, the basic idea behind any type of SR-22 insurance is the same. A driver must obtain this type of car insurance in order to legally be behind the wheel of an automobile. The main difference is whether you own and will be operating your own vehicle or a car that belongs to someone else.

Drivers who plan to drive several different cars belonging to a variety of people or their own vehicle and cars belonging to others may need to further investigate carrying other options for SR-22.

No matter which type of SR-22 insurance you carry, the important thing to keep in mind is that this only covers damage you cause to another person, their vehicle, or their personal property.

If you drive a vehicle belonging to a spouse, family member, friend, or someone else and are in an accident, the vehicle you are driving will not be covered. In other words, both owner and non-owner SR-22 car insurance is a type of liability-only coverage.

Watch this video on SR-22 insurance.

The type of SR-22 insurance you need should be determined in conjunction with your insurance carrier. Regardless of which one you chose, the procedures are the same. How much does SR-22 insurance cost a month? That depends on the reason you need the SR-22 in the first place. Below are the annual average premiums by driving record.

Average Annual Car Insurance Rates by Driving Record
CompaniesClean RecordWith One Speeding ViolationWith One AccidentWith One DUI
American Family$2,693.61$3,025.74$3,722.75$4,330.24
State Farm$2,821.18$3,186.01$3,396.01$3,636.80
Liberty Mutual$4,774.30$5,701.26$6,204.78$7,613.48
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Once you obtain your SR-22 insurance, the provider will submit this proof of financial responsibility on your behalf. After the state receives this proof and it is approved, you should then be able to have your driver’s license reinstated.

In either case, make sure you retain the SR-22 insurance without any lapses in coverage. Even a brief lapse in coverage can result in the loss of your legal driving privileges.

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Who needs an SR-22?

If your insurance company considers you to be a high-risk you will have to file for an SR-22. You can be considered a high-risk driver if you are or have any of the following:

  • Get a DUI or a DWI for drugs and alcohol
  • Did not carry proof of insurance after being at-fault in an accident.
  • Get caught without insurance
  • Having too many moving violations.

You will have to carry an SR-22 for about three years. During this time you should not have a lapse of insurance or have any more driving convictions.

Are there basic requirements for an SR-22?

SR-22 requirements vary from state to state. Some states do not require you to have an SR-22. If you are required to have an SR-22 in one state and then move to another state you are required to keep your SR-22. You are also required to keep your SR-22 if you move to a state that does not require SR-22 insurance.

You must carry the minimum liability insurance requirements for the entire time you carry an SR-22.

If your policy is to lapse, your insurance company will notify the Department of motor vehicles and you can have your license suspended. In most cases, you can pay a reinstatement fee to get your SR-22 faxed to you.

How do you get SR-22 insurance?

If your insurance company does not provide SR-22 insurance you will have to find a company that does. Your insurance company will file your SR-22 with the state or local DMV. You will be charged a filing fee that can be anywhere between $15 and $25 dollars. Your insurance company will file your request with the state or local DMV within 30 days of your request.

What type of SR-22 certificate will I receive?

There are three types of SR-22 certificates, an operator certificate, owner certificate, and an operators-owners certificate. If you are getting a non-owner SR-22 you will get an operator certificate. An operator certificate covers drivers who operate a vehicle but doesn’t own a vehicle.

Will I need an SR-22 forever?

You will not need to carry an SR-22 forever. You will need to file for one for all the required years that you need an SR-22. Check out this video on SR-22 insurance.

So, it is possible to have your SR-22 sentence extended.

What happens if you don’t maintain an SR-22?

It is important that you keep your SR-22 for the required time. Failure to maintain SR-22 insurance can result in some penalties that are worse than just having your license suspended for a few months. Car insurance companies are required to report when you have let your SR-22 lapse.

If you fail to maintain your SR-22 this can result in you having to start your sentence all over again. If you only have a year left on your probation you will have to start all over again as though you just got it. Even though it is common to keep SR-22 insurance for three years some states require that you keep it five years.

When you get your SR-22 reinstated you may also have to get your license reinstated as well.

Some states have harsher penalties than others. In Texas drivers who let their SR-22 insurance lapse they can have their vehicle registration suspended and lose their driving privileges. In Florida, you can lose your car tags, registration, and have your license suspended. In Washington, drivers will not be able to apply or reinstate their license.

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Important Things to Know About Non-Owner SR-22 Insurance

Keeping an SR-22 insurance policy for coverage is important in order to stay legal. Once you have gotten a policy in place and your driver’s license reinstated, it is important to keep your policy. In most states, there is a three-year period during which drivers must keep their SR-22 coverage.

The SR-22 is actually a form the insurance company fills out and submits to the state.

Once approved, the driver trying to obtain this type of insurance will have their driver’s license reinstated. Whether they own the vehicle they intend to drive or not, they must obtain SR-22 insurance in order to get the license back and legally operate a vehicle.

Although it can seem confusing, it does not have to be. The important part is to make sure you understand which type of SR-22 coverage you need and choose the right one. Your insurance provider should be able to help you understand your options and make the best choice.

If you decide to make any changes during this time period, you should use extreme caution. If you change companies for better rates, decide to change from non-owner to owner or vice versa, relocate to another state or make any other changes, make sure the state is aware of and accepts the changes.

Any time a driver drops SR-22 coverage, the insurance carrier is required by law to alert the state of this change.

This means that even if you have good reason to drop or change one policy, you must take precautionary steps to go about it the right way. Even if you get a different policy right away there could still potentially be a lapse in coverage that could cause you to lose your license again.

When it comes specifically to non-owner SR-22 insurance coverage, here are some other important things you should know:

Having non-owner insurance does not mean you can drive any car.

If you are going to be using multiple cars or cars from multiple owners, you need to acquire a different type of SR-22 policy. It is important for you to make the owner of the vehicle aware of the fact that their car may not be covered in the event of an accident. SR-22 is similar to liability insurance; the vehicle, personal property, and bodily injury of the other driver involved will be covered but not the driver carrying SR-22.

Non-owner is a great option to have if you do not own a vehicle, even if you are not planning on borrowing a car. In order to get your driver’s license reinstated and prevent yourself from having too long a gap in some type of auto insurance coverage, non-owner is usually a more affordable option to at least have some type of insurance.

Do not assume it does not matter whether you choose non-owner or owner SR-22 insurance.

Talk with your carrier to decide which type is the most appropriate for your individual situation. If you get non-owner SR-22 and then get a vehicle, you must change to have the appropriate type of coverage.

If you have to purchase an SR-22 because of a DUI, you may also be required to have an alcohol ignition interlock device, in addition to court costs and a potential license suspension. The CDC reports the use of these reduces repeat offenses by 70 percent.

That’s a really important mission, as an average of one drunk-driving-related fatality occurred every 50 minutes in 2018. But it’s not all bad news. In fact, Reponsibility.org reports that the fight to eliminate drunk driving has been largely successful, with a decrease in drunk driving deaths of 34 percent overall and 66 percent for those drivers under 21 years old.

You’ve reached the end of our guide. We hope that you learned a lot about non-owner SR-22 insurance. Remember that an SR-22 is temporary and you will not have to file one forever.

How much is non-owner SR-22 insurance? The best way to find out is to get a non-owner car insurance quote from several companies. You can enter your ZIP code below and start comparing car insurance rates online now.

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Frequently Asked Questions: Non-Owner SR-22 Insurance

We’ve added a couple more SR-22 FAQs below in case we still haven’t answered all of your questions.

#1 – Can you drive another person’s car with SR-22 insurance?

If you cause an accident while driving another person’s car, your non-owners SR-22 car insurance policy will cover the other party’s expenses, whether it’s property damage or medical bills. However, it probably won’t cover the damage to your friend’s vehicle.

#2 – Which companies sell SR-22 insurance?

Most major companies such as The General sell non-owner SR-22 insurance in SC, but it’s easy to get Nationwide non-owner car insurance, non-owner SR-22 with Geico, and non-owner SR-22 insurance with Progressive.

Short story: You can get SR-22 coverage from just about every major insurer. Though rates vary by state, a non-owner SR-22 in Ohio, Missouri, Indiana, MN, and SC are all pretty similar, and we can help you compare those rates below.

Also of note, the states of Florida and Virginia also have an FR-44 form which are very similar to the SR-22, as they are both forms of financial responsibility.


  1. https://dui.findlaw.com/dui-cases/dui-and-insurance.html
  2. https://www.cdc.gov/motorvehiclesafety/impaired_driving/ignition_interlock_states.html
  3. https://crashstats.nhtsa.dot.gov/Api/Public/ViewPublication/812864
  4. https://www.responsibility.org/alcohol-statistics/drunk-driving-statistics/