Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Mar 6, 2019

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Here's what you need to know...

  • SR-22 filings are required when you’ve been convicted of serious moving violations like DUI, fleeing the scene of an accident, or driving without insurance
  • An SR-22 is a form that proves you are financially responsible and carry the coverage that’s required by state law
  • Requirements are typically ordered by the court and are enforced for up to 36 months
  • If your licensed has been suspended, you may be required to provide an SR-22 before it can be reinstated
  • For licensees who don’t own a car, there are specialty non-owners car insurance policies that can be purchased

When you’re convicted of a serious moving violation and you’re ordered to pay stiff fines, it might actually make more sense for you to get rid of your vehicle entirely. Owning a car comes with loads of responsibility and you can easily lose your privileges to own a car or to drive by making just one major mistake. Even after you’ve sold your vehicle or given it away, you still may be required to carry auto insurance to earn back your privilege of holding a driver license.

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You might assume that you need to actually own a car to own car insurance, but that’s not always the case. Specialty products had to be created in states with SR-22 programs so that high-risk drivers could satisfy their SR-22 requirement even if they chose not to own a vehicle. If you’d like to learn how to get an SR-22 without going out and buying a car, read this guide to SR-22 insurance.

When are SR-22 filings required?

If you’re not familiar with SR-22 insurance filings, you’ve probably never been convicted of a serious driving violation in the past. The first thing that you should know is that something must occur to make you a high risk in the eyes of the state. You aren’t just automatically required to submit an SR-22 certification that proves ‘safety responsibility’. Here are some of the most common reasons why you might be ordered to file an SR-22:

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How to Reinstate Your License Without a Car

You don’t need to own a car to want to have your driving privilege. When you have a license, you’ll still be able to borrow cars and rent them when you don’t want to rely on public transportation. If your license is currently suspended and you’ve already disposed of your car, you’ll need to pay the fee and find a way to fulfill your SR-22 requirement before the reinstatement can be processed. This is where a specialty car insurance plan like a non-owners car insurance policy can help you.

What is a non-owners car insurance policy?

Non-owners car insurance is a specialty auto policy that’s specifically for people who don’t own cars but who do drive from time to time. Instead of providing you with coverage on a covered auto listed on the policy, the policy will provide you with coverage for all non-owned private passenger vehicles that the named insured doesn’t have regular access to.

It’s important that you remember that you’re not covered under your nonowner’s insurance when you’re driving an owned vehicle, a household vehicle or a car that you have access to on a regular basis.

While non-owners policies are common for people who frequently rent, the most common buyer is someone who’s been convicted of a major violation and who’s satisfying their SR-22 requirement with a non-owner policy.

What’s covered under non-owners insurance?

Non-owners car insurance doesn’t provide the same types of protections that are afforded by a standard auto insurance policy. This is because the policyholder won’t have an insurable interest in the car and therefore, can’t insure the vehicle for against physical damage losses. The following coverages can be purchased under this specialty form:

  • Bodily Injury Liability
  • Property Damage Liability
  • Medical Payments (varies by company)
  • Uninsured Motorist Protection (varies by company)

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Who qualifies for non-owners car insurance?

You will need to meet a small list of eligibility requirements before you’ll be eligible for non-owner insurance. Here’s the criteria that must be met before you can bind liability coverage with a non-owners insurance carrier:

  • You don’t own a vehicle
  • You don’t have access to any household vehicles
  • You don’t have an interlock ignition device requirement
  • Your license will be active once your SR-22 is filed

How much is SR-22 insurance?

Just like a standard policy, a non-owners policy will be underwritten. The carrier will have professionals assess how likely you are to file a liability claim. If you have serious violations, you’ll pay more than someone with a clean record who needs non-owners coverage. The cost of your insurance is personalized, but the cost for your SR-22 filing is fixed. Most companies charge between $15 and $25 for the filing, but no company charges more than $50 for the term.

What happens if you don’t qualify for an SR-22?

If you need coverage to reinstate your license and you don’t qualify for a nonowner’s policy, you should be able to get coverage by being added to a policy as a driver. One of the main reasons you can’t get your own coverage is because you have access to cars. Since there’s cars in your home, you’ll be able to ask the existing company for an SR-22 instead of having to buy standalone liability coverage.

Just remember, if you’re not on the policy you could have a serious impact on the policy premium.

As you can see, there are two ways to get SR-22 insurance when you don’t own a car. You can either apply for a nonowner’s policy or add yourself as a household driver to an existing policy. If getting your own policy is the best option for your situation, you should begin to quote rates for coverage now. Be sure that you do a rate comparison by using a comparison shopping tool, and you can really see where you’ll get the best deal for the highest level of protection. Enter your zip code in our FREE tool below to compare car insurance rates now!