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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Non Owner SR22 Car Insurance

Owner or Non Owner SR22 car insurance can be confusing to many drivers. While the state may have told you
that you need SR-22 insurance, you may not know how to get your SR22 Non Owner car insurance or whether you
need Non Owner SR22 insurance or Owner SR22 car insurance. Don’t worry, this handy guide to SR22 car insurance
will give you the information you need to find the right SR22 car insurance policy so that you stay out trouble
with the law.

First, you may be wondering what SR22 Non Owner Car Insurance is anyway. All types of SR22 car insurance like
Non Owner SR22 car insurance, are usually required by the state for drivers that are considered high risk because
of serious or multiple moving violations. These special car insurance types are get the name SR22 from the SR-22
insurance form. This form must be filed with the whatever state department deals with drivers and vehicles in order
to prove to the authorities that the driver is financially capable of carrying at least the minimum amounts of car
insurance coverage that is mandated by the state.

If you’re in a state that requires SR22 car insurance, you should know that there are different types of SR-22 car
insurance. Generally, there are at least two types of SR22 insurance forms, Owner and Non Owner SR22 Car Insurance.
People who own and drive one or more cars need what’s called an Owner’s SR22 car insurance form. For people who don’t
own a car but drive (such as someone who drives a friend’s car or has their car in their spouse’s name) need a policy
called Non Owner SR22 Car Insurance. As if that wasn’t confusing enough, in some states, SR22 Non Owner Car Insurance
is sometimes called Operator’s SR22 insurance.

There is also a third type of SR22 car insurance that combines the Owner and Non Owner SR22 Car Insurance into one SR22
policy. This type of SR-22 car insurance is for people who drive multiple cars, some of which they own and some of which
they don’t. For example, someone who owns a personal car but also drives a company vehicle for work would need this third
type of SR-22 car insurance, called an Owner-Operator SR22 or Owner- Non Owner SR22 Car Insurance.

Unfortunately, Owner or Non Owner SR22 Car Insurance can be more expensive than car insurance without the SR22 form because
most car insurance companies charge a fee for filing the SR22 Non Owner Car Insurance form. You can call around to different
car insurance companies in your area, but the best way to find deals on SR22 Non Owner Car Insurance is to enter your information
online for a free quote and let the online company compare prices on Non Owner SR22 Car Insurance to find you
the best deal.