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: Apr 1, 2021

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Don't Forget These Facts

  • SR-22 insurance may be a requirement to reinstate your driver’s license.
  • Non-owners’ SR-22 insurance is possible when drivers don’t own a vehicle but drive someone else’s car.
  • You can get the best SR-22 auto insurance rates when you compare programs, such as GEICO’s SR-22 insurance and SR-22 insurance with Progressive.

Getting SR-22 insurance without a license is one of the requirements to reinstate your driving privileges. However, SR-22 insurance requirements vary by state.

Why? Your SR-22 insurance status indicates that you carry the minimum requirements designated by the state, which happens to be different in each state in the United States.

Don’t worry – we’ll navigate you through bumpy roads of SR-22 insurance without a license and get you to a smooth path to get insured. Continue reading to learn about cheap SR-22 insurance and how you can get SR-22 without your driver’s license.

If you want to compare companies in your area that give you SR-22 insurance without a license, enter your ZIP code in the free comparison tool above. To find out more about SR-22 insurance, read on.

Can you get SR-22 insurance without a license?

The short answer is yes. Sometimes, a driver may lose their driver’s license due to multiple accidents or a DUI. The conditions to reinstate your license will likely include an SR-22 auto insurance purchase. 

Therefore, the driver will need to shop around for a company that provides car insurance for their particular situation.

What is SR-22 insurance?

SR-22 insurance is a certification that proves that a high-risk driver has the minimum auto insurance requirements designated by the state. Every state has different requirement limits, so be sure to check out your state’s department of motor vehicles (DMV).

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How do you get SR-22 insurance without a license?

Once the DMV requires you to get SR-22 auto insurance, you should shop around for a company that provides SR-22 certification for your situation.

When you find a company that will provide you with a non-standard car insurance policy, you’ll need to pay an SR-22 insurance filing fee ($15 to $25, depending on the state).

After you get certified, expect your SR-22 insurance quotes to be higher than average. As an SR-22 insurance recipient, you’re a high-risk driver, so your rates are more expensive than the average driver.

Non-Owners SR-22 Insurance vs. Standard SR-22 Insurance

What if I don’t own a car and still need SR-22 car insurance? Even if you don’t own a vehicle, you can get non-owner SR-22 insurance. Non-owner car insurance is a car insurance policy that provides liability coverage even when you don’t own a car. 

Non-owner auto insurance is helpful when you don’t own a vehicle, but you frequently drive another car. Some auto insurance companies provide an SR-22 insurance version of non-owner auto insurance.

When you buy SR-22 insurance for a vehicle you own, it’s treated like standard car insurance, except the prices are higher than average.

Four Reasons Why You Need SR-22 Insurance

The DMV has told you that you need SR-22 insurance, but you’re not sure why you need it.

A recent traffic ticket may have put you over the line, or a DUI on your driving record has your local DMV concerned. Continue reading to learn four reasons why you need SR-22 insurance.

Too Many Traffic Violations

Excessive traffic tickets will put you on notice as a high-driver. Therefore, your state may require you to get SR-22 insurance certification because of all the traffic violations you have.

Accidents are included, and they have a more significant impact on your driving record than speeding tickets and some moving violations.

What’s considered excessive? If you find yourself with a traffic violation every six months to a year, you may be regarded as a high-risk driver.

DUI & DWI

DUI (driving under the influence) and DWI (driving while intoxicated) mean the same thing, but both terms are used in different states. In other words, one state may use DUI while others use DWI.

Either way, a DUI or DWI conviction is a quick way to get your license suspended or revoked. Repeat offenders will likely get their driver’s license revoked, a fine, and prison time.

If you happen to get by prison time, you’ll likely have your license suspended along with a fine. To get your license reinstated, you’ll need SR-22 insurance certification.

Driver’s License Suspended or Revoked

Traffic violations, DUI convictions, and even accidents can lead to your license being suspended or revoked. When you want to drive again, SR-22 insurance certification is required, along with the payment of fines you’ve accumulated.

A Lapse in Auto Insurance

The majority of states are very firm about maintaining a car insurance policy. If you allow your auto insurance to lapse, your auto insurance provider will report your uninsured status to the DMV.

A lapse in car insurance means a period where your registered vehicle is uninsured. This will place you in a high-risk category with auto insurance companies. Also, you’ll have to deal with a fine.

North Carolina’s Department of Transportation (DOT) charges a fee each time your car insurance lapses. For each lapse, the fine gets higher.

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SR-22 Insurance Rates

The SR-22 certification itself doesn’t determine SR-22 car insurance rates, but it’s determined by the reason you have SR-22. DUIs and multiple accidents have the most significant impact on your driving record.

But how much does it impact your auto insurance rates per month? Examine the research below and see how the average auto insurance compares to SR-22 insurance rates. Type in your state in the top right-hand corner to see how auto insurance rates compare in your state.

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The average cost of standard auto insurance is $121 per month. However, the average SR-22 insurance rate is $230 per month. This means that the average percent increase from auto insurance to SR-22 insurance is 90 percent.

Seeing the percent increase from standard auto insurance to non-standard auto insurance (SR-22) should be enough motivation to maintain a clean driving record. Some states have more than 100 percent increase in car insurance rates under SR-22 insurance.

How to Save Money with a Non-Owners SR-22 Insurance Without A License

We all make mistakes behind the wheel. Sometimes errors can put us in a position where we don’t have a car, but we still need car insurance. After some careful research, we found three ways you can save money on non-owner SR-22 auto insurance.

  • Discounts – Your high-risk auto insurance status doesn’t disqualify you from discounts, so ask your provider about discounts you’re eligible for.
  • Maintain a Clean Driving Record – You have a violation or conviction on your record, but you can turn things around by avoiding incidents.
  • Drive Less – If you drive less, you reduce the chances of getting into an accident and save money in the process.

Don’t give up on saving money on car insurance. There is a way to get affordable SR-2 insurance. GEICO and Progressive are two major auto insurance companies known for reliable SR-22 insurance programs. Keep trying until you turn that lemon into lemonade.

Frequently Asked Questions: SR-22 Insurance Without A License

Now that you know more about SR-22 insurance cost and non-owner SR-22, we’ll answer a few questions about SR-22 insurance.

#1 – Can I drive with an SR-22 on a suspended driver’s license?

No. Although you have SR-22 insurance, you should wait until the DMV or BMV (Bureau of Motor Vehicles) clears you to drive.

#2 – Do you need SR-22 insurance certification to reinstate a driver’s license?

Yes. SR-22 insurance is one of the conditions to reinstating your driver’s license in addition to paying fines.

#3 – Do I need SR-22 insurance after my driver’s license is reinstated?

That would depend on the nature of your license suspension. If your license was suspended for a DUI, multiple traffic violations, or accidents, you may need SR-22 insurance. It depends on what the DMV is instructing you to do.

#4 – Do you need SR-22 insurance after a DUI/DWI conviction?

Yes. If you want to drive, you’ll need to get SR-22 insurance certification. In states like Florida and Virginia, you’ll need FR-44 insurance certification.

#5 – Do you need SR-22 insurance in addition to a “hardship” license?

Yes. You will need SR-22 car insurance along with a “hardship” or “right to work” license.

If you want to have a quick look at multiple companies that provide SR-22 insurance without a license, enter your ZIP code in the free online quote tool below.