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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Written by Elijah Black
Lead Insurance Writer Elijah Black

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 Rachael Brennan

UPDATED: Apr 12, 2022

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Don't Forget These Facts

  • SR-22 is not technically a type of insurance, but rather a form that proves that you meet your state’s insurance requirements
  • The period in which SR-22 lasts varies in different states
  • No-down-payment insurance is only provided in seven states

Many people who own vehicles have insurance policies that protect them and their cars. However, most people mistake an SR-22 form with a type of insurance policy. Instead, an SR-22 is a certificate that is required for some drivers by court order.

On the other hand, some insurance companies offer a no-down-payment auto insurance policy where you pay premiums for only the first month when your policy begins.

Continue reading below to get more information about affordable SR-22 and no-down-payment auto insurance rates. You can also enter your ZIP code in the free quote comparison tool above to get more information about insurance companies in your area.

Can I get an SR-22 and no-down-payment insurance?

It is possible to find an SR-22 and no-down-payment auto insurance company. It is also possible for you to obtain SR-22 even if you don’t own a car with a non-owner car insurance policy.

Non-owner car insurance offers you protection if you are involved in a car accident while driving someone else’s car. It is secondary coverage that pays for damage beyond or above what is covered by the car’s primary insurance.

In many states, you can be issued an SR-22 electronically on the same day of your application. To get SR-22, you must provide your driver’s license number or other identification.

The steps followed to get an SR-22 are different in every state. Therefore, if you are notified that you need it, you can contact your auto insurance company to see if they can provide you with an SR-22.

You can also find no-down-payment insurance from multiple companies. However, this is determined by the state where you live because only seven states offer no-down-payment insurance.

If your state insurance laws allow no-down-payment car insurance, then shop around to find a company that offers it. It is necessary to note that you need to pay the first month’s premiums for you to get no-down-payment insurance.

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What is an SR-22?

Many people believe an SR-22 is a type of insurance. However, this is not the case. An SR-22 is a certificate that indicates financial proof if you are involved in a car accident.

Its primary purpose is to prove that you own auto insurance. Technically, it is not a form of insurance but proof that you have bought liability insurance coverage that meets the minor requirements in your state.

Several reasons force you to have an SR-22 financial responsibility form. These circumstances may include reckless driving, driving while your license has been suspended, driving with no insurance coverage, several violations of traffic rules within a short period, and DWI or DUI.

Moreover, filing an SR-22 is the primary step in attaining a probationary or hardship license.

In most cases, you need to have SR-22 for three years. However, this duration differs for every state. Therefore, you should contact the DMV of your state to clarify the period you are required to have an SR-22.

You should note that if you terminate your auto insurance policy before the time set for your SR-22 is over, your insurer is supposed to alert traffic authorities.

What is no-down-payment insurance?

Can I get insurance without a down payment? No-down-payment insurance is an option that some insurers give to reduce the premiums you need to pay to start coverage.

No-down-payment auto insurance (sometimes called buy-now-pay-later car insurance) means that there is no requirement for you to provide an upfront deposit provided you pay your premium for the first month before your coverage can begin.

However, it is good to note many insurance companies don’t offer no-down-payment insurance or free coverage. You must pay at least the first month’s premium, which acts as a down payment, before starting your policy.

The main reason why most insurance companies don’t provide car insurance with no immediate payment is that they are not willing to risk insuring you if you have not made any payments. They worry that the client may cancel the policy, which will leave the company at risk.

The down payment for your policy usually lasts for the first month. It takes care of onboarding costs related to the new policyholder, such as running a whole driving report and other administrative costs.

Getting no-down-payment auto insurance is determined by several factors, including whether your state permits the option. Unfortunately, no-down-payment auto insurance is only allowed by seven states.

The seven states that allow no-down-payment insurance include:

All other states only permit low-down payments insurance options.

Where can I find no-down-payment auto insurance?

Some no-down-payment auto insurance companies include:

  • Farmers
  • Travelers
  • Allstate
  • Nationwide
  • Metropolitan
  • Progressive
  • American Family
  • State Farm
  • Auto-Owners Insurance
  • Eries
  • Farm Bureau Insurance
  • USAA

No-down-payment auto insurance is not easily found because not all states provide these types of policies, and not all insurance companies are willing to offer it.

Should I buy SR-22 and no-down-payment auto insurance?

You may want to buy an SR-22 and no-down-payment auto insurance policy if you are a high-risk driver that has been required to provide an SR-22.

For example, suppose you get a DUI. In that case, you need to have an SR-22 form from your insurer to retain your driving license. In addition, other situations can require you to buy SR-22. These situations may include:

  • Your driving license has been revoked or suspended.
  • You failed to pay court-ordered support to your children.
  • You have had several traffic violations within a short period of about six months.
  • You have caused an accident while driving with no insurance coverage.

You may also want to buy no-down-payment insurance if your state offers it. However, you should not be misled by different insurance companies that advertise cheap car insurance.

You should also keep in mind that not all insurance companies will want to insure a high-risk driver, especially without a down payment. It may be somewhat difficult to find a company that offers this combination.

Don’t be discouraged. You can still find affordable car insurance. Enter your ZIP code in the free tool below to receive SR-22 and no-down-payment auto insurance quotes from companies in your area.