Cheap Non-Owner SR-22 Auto Insurance
Company Trusted For Over 25+ Years*
Call us 1-855-371-6683
Company Trusted For Over 25+ Years*
Getting non-owner car insurance that includes SR-22 coverage can be confusing and expensive. It’s even more confusing when you add a non-owner to SR-22 insurance and try to find the best rates on a tight budget. The good news is we will go over everything you need to know about cheap Non-owner SR-22 Auto Insurance and help you get the cheapest policy possible.
Non-owner car insurance is also known as non-driver car insurance. This type of auto insurance policy is designed for people who do not own a vehicle but still need to get covered. This type of policy provides liability protection in the event you drive a vehicle you don’t own.
Non-owner car insurance policies are typically very inexpensive compared to regular car insurance. This is because the policy doesn’t cover a specific vehicle. Premiums run as low as $250-300 per year.
To get a non-owner policy, shop around and compare quotes from several insurers. Please note that you will need to provide details such as your driver’s license number, Social Security number, and any accidents or tickets on your driving record.
Non-driver car insurance policies can be purchased for periods as short as a month or as long as a year. In times when you need to drive a car you don’t own, getting an affordable non-owner insurance policy will keep you driving legally, satisfying financial responsibility laws, and getting liability protection.
There are several situations where non-owner car insurance makes sense:
Non-owner car insurance provides liability protection, which covers bodily injury and property damage you may cause others while driving a car you don’t own. It satisfies state minimum liability requirements.
Here’s what non-owner insurance typically covers:
Non-owner policies never include collision or comprehensive coverage tied to insuring a specific vehicle. They also won’t cover damage to the car you’re driving or protect you in hit-and-run accidents with uninsured drivers.
An SR-22 is not an actual insurance policy. It is a form that your insurance company files with your state that proves you have liability insurance that meets your state’s minimum requirements. High-risk drivers are required to carry SR-22 coverage for 3 years if they get caught DUI or other serious offenses including a lapse in insurance.
You can get an SR-22 filed by your insurer whether you own a car or not. Non-owner SR-22 auto insurance provides liability protection if you drive vehicles owned by others or rentals. It does not cover damage to the vehicles you drive.
SR-22 requirements last 3 years from the date of reinstatement in most states. High-risk drivers must maintain continuous auto insurance coverage during this period or face license and registration suspension.
You can request your insurer lift the SR-22 once your 3 years are up. They will submit paperwork to the state confirming you completed the required term and no longer need SR-22 coverage.
If you need to switch insurers during the 3 years, the new company will need to file the SR-22 on your behalf. Never drive without liability protection during your SR-22 term, or you could face serious consequences.
SR-22 requirements can vary by state. When shopping for cheap non-owner car insurance, it’s important to understand your state’s minimum liability coverage, SR-22, and high-risk insurance laws.
Here are some key questions to have answered:
Knowing your state’s car insurance rules ensures you get the right coverage at the best rate if you need an SR-22.
In 2023, the average annual cost of a non-owner policy with an SR-22 is about $1,090. These rates have increased, as much as those of regular insurance policies. However, rates can vary considerably based on variables such as your driving history, state of residence, and other individual factors.
On average, non-owner car insurance costs about $400 per year. However, here are quotes from 15 insurers for minimum non-owner coverage:
Insurance Company | Annual Rate |
---|---|
ClearCover | $314 |
National General | $382 |
Safeco | $401 |
Progressive | $401 |
Geico | $419 |
Kemper | $429 |
State Farm | $467 |
Markel | $476 |
The Hartford | $492 |
Allstate | $510 |
Root | $516 |
Travelers | $523 |
Liberty Mutual | $617 |
MetLife | $951 |
Having cheap SR-22 insurance allows you to meet your state’s requirements while spending less on premiums. With rates $200-$300 higher on average compared to standard policies, finding an affordable insurer makes a difference.
Comparing quotes from top national and regional insurers ensures you find the lowest rate for the coverage you need. Spending just a few hours shopping for cheaper non-owner SR-22 car insurance can potentially save you hundreds of dollars per year.
Keep in mind that you can get rates that are hundreds of dollars apart per year, for the same coverage at different companies. Here are 10 tips to save the most money on non-owner SR-22 insurance:
The best way to get the cheapest non-owner SR-22 auto insurance is to compare quotes from multiple insurers. Just enter your ZIP code below and start saving today!
Here are ten common auto insurance discounts to ask about to lower your premiums:
The more discounts you qualify for, the more you can save. Ask insurers to review all available ways to lower your premium.
Maintaining continuous auto liability coverage is the most important thing when carrying an SR-22. If your policy lapses, your insurer will notify the state and your license and registration will be suspended.
What You Need to Keep Your Coverage Active:
Letting your coverage lapse results in paying hundreds of DMV fees to reinstate your license. Maintaining continuous coverage keeps you driving legally and saves you money.
Don’t hesitate to switch insurers if you find a much lower rate. Here are some tips for painlessly changing providers:
Now that you are familiar with non-owner SR-22 requirements in your state, it’s time to get quotes from multiple insurers and get the cheapest rates. You can get cheap non-owner SR-22 auto insurance with a little effort and quote comparison. To start your quote, enter your zip code and fill out a free application. Save more money on non-owner SR-22 insurance today.