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: Jul 1, 2021

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Don't Forget These Facts

  • If you have an SR-22 and rental car reimbursement coverage, you can likely rent a car with some companies
  • You will need to have collision and comprehensive car insurance coverage to use rental car reimbursement coverage and to cover any repairs to a car you rent
  • Check your car insurance policy to know about reimbursement limits, and contact rental car companies to make sure you can rent cars from them

Can you have an SR-22 and rental car reimbursement coverage? Depending on your car insurance provider, you might. In other words, if you can rent a car with SR-22 insurance, you might also get reimbursement for rentals.

Having an SR-22 doesn’t have to mean you lose all insurance coverage. Depending on your reason for needing an SR-22 form, you will just have to pay higher rates and keep continuous coverage. You may still rent cars from some companies, but many will consider you high-risk.

If you are also wondering, “Does SR-22 cover any car I drive?” the short answer is no. SR-22 insurance companies will only cover damages to any car you list on your policy, plus some rentals, under special circumstances.

Read on to know about what you can expect concerning SR-22 and rental car reimbursement insurance coverage, then compare affordable SR-22 insurance quotes from top companies near you. Enter your zip code above to get started.

Can you use rental reimbursement coverage with an SR-22 policy?

It is possible, but it depends on the type of car insurance policy you have. Rental reimbursement coverage is an add-on to your insurance policy. It often costs $2-15 per month, and you will normally need to have full collision and comprehensive insurance coverage.

When you use rental reimbursement coverage, your insurance company may limit you to an approved list of car rental companies. You may also receive a discount from a partner rental company. In some cases, you may choose a rental company on your own, but you will likely pay more.

Keep in mind that you can only use rental reimbursement coverage if you do not have use of your regular car. Specifically, the car that you listed on your policy needs must be in the shop for repairs for you to qualify for rental reimbursement under your collision or comprehensive insurance coverage.

Also, remember that rental reimbursement coverage does not cover any rented vehicle you drive. It simply gives you back the money you spend on a rental car or other transportation, like a rideshare or a bus, that you use while your car is repaired.

The amount of money that your car insurance company pays back to you depends on your set limits. For example, if you set your limit to $30 a day for a total of $900, your car insurance provider may pay you back for 30 days of rental based on your daily limit.

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Does SR-22 cover rental cars at all?

And does SR-22 insurance cover any car you drive? Your SR-22 insurance policy will cover damages to your car (and even a rental car) depending on the type of insurance you have.

There are three types of SR-22 insurance:

  • Owner insurance is for SR-22 drivers who own their own cars.
  • Non-owner insurance is for drivers who need to borrow or rent cars that are not regularly available to them. It is cheap SR-22 insurance that only consists of limited liability coverage that meets state minimums.
  • Owner/operator insurance covers cars for drivers who operate their own trucks and lease others for business.

Owner SR-22 insurance and owner/operator SR-22 insurance cover the vehicles you drive, but only owner insurance can cover rental cars. Non-owner SR-22 insurance would only cover you depending on the car you drive, with limitations. It will not cover damages to a rental car unless you were liable for damages to another driver’s rental in an accident.

SR-22 and Rental Car Reimbursement Coverage: The Bottom Line

Ultimately, you must remember that when you file an SR-22, you are considered a high-risk driver. Not all rental car companies rent to SR-22 drivers.

You need to call rental car companies ahead of time to make sure which ones will allow you to rent from them, and review your car insurance to know your coverage and rental reimbursement limits.

How much does SR-22 insurance cost a month? SR-22 insurance rates vary based on your provider and your driving record. Start shopping for affordable SR-22 and rental car reimbursement coverage right here with our free tool below. Enter your ZIP code now to compare rates from top companies in your area.