How to Get SR-22 Insurance Without Owning a Car

car insurance form with money and car keys on top

Getting your hands on auto insurance can be challenging, especially when you need specialized coverage like an SR-22. And if you don’t own a vehicle, the situation can become even more complex. 

Whether you’ve had your license suspended or you’re required to file an SR-22 for other reasons, this guide will take you through the process of obtaining SR-22 insurance without owning a car, while also explaining what it is, why you might need it, and how to get it. Let’s take a look. 

What is an SR-22?

Let’s cut to the chase – an SR-22 isn’t actually insurance. It’s more like a hall pass for adults who’ve accumulated a few too many traffic offenses. Essentially, it’s a form your insurance company files with the state to prove you’ve got the minimum required car insurance coverage. Think of it as the state’s way of saying, “We’re keeping an eye on you.” Annoying? Yes, but it’s a key step in getting you back in the driver’s seat safely and legally if you’ve had previous priors on the road.

What is a non-owner SR-22?

A non-owner SR-22 is designed for anybody who needs to file an SR-22 but doesn’t own a vehicle. For example, this situation might arise if you frequently borrow or rent cars, or if you need to reinstate your license after a suspension, even though you don’t currently own a car.

How do I get an SR-22 without a car?

Getting an SR-22 without a car isn’t as tricky as it sounds. Here’s what you need to do:

  1. Find an insurance company that offers non-owner policies. Not all do, so you might need to shop around a bit. 
  2. Buy a non-owner car insurance policy. It’s usually cheaper than regular car insurance, so that’s a plus.
  3. Ask the insurance company to file an SR-22 form for you. They’ll usually charge a small fee for this, but hey, that’s life.
  4. Wait for the insurance company to file the form with your state’s DMV.
  5. Get confirmation that your SR-22 is on file. Then you’re good to go!

When would I need an SR-22 without a car?

And if you’re wondering, “Why would I need car insurance if I don’t have a car?” Fair question. Here are a few scenarios:

  • You got caught driving under the influence
  • You were in an accident while driving uninsured
  • You racked up too many traffic violations in a short time
  • Your license was suspended, and you want it back

Basically, if you’ve been labeled a “high-risk” driver, you might need an SR-22, car or no car. The state wants to make sure you’re financially responsible when you’re behind the wheel, even if you’re not the owner of the vehicle.

What does a non-owner SR-22 cover?

close up shot of a car key

A non-owner SR-22 policy typically covers liability – that’s damage or injuries you might cause to others while driving – but it doesn’t cover damage to the car you’re driving or any injuries you might get. It’s bare-bones coverage, but it meets legal requirements and lets you drive legally.

What states require SR-22s?

Not all states are on the SR-22 bandwagon. Most are, but a few holdouts don’t require them. As of 2024, the following states don’t require SR-22s:

  • Delaware
  • Kentucky
  • Minnesota
  • New Mexico
  • New York
  • North Carolina
  • Oklahoma
  • Pennsylvania

If you’re not in one of these states, chances are you’ll need to file an SR-22 if you’ve had serious driving infractions.

At MIS-Insurance, we’ve been providing cheap SR-22 insurance rates in California for decades. We offer instant SR-22 filing with the DMV, and you can print your SR-22 certificate right away. Our rates start as low as $10/month, and we’ll help you navigate all your options. Don’t let a lack of car ownership stop you from getting the coverage you need – get in contact with us today and find out how we can help you. 

FAQs

How long do I need to carry an SR-22?

The duration varies by state and offense, but it’s typically 3 years. Some states may require it for up to 5 years for more serious offenses.

Can I get SR-22 insurance from any company?

Not all insurance companies offer SR-22 filings. It’s best to check with multiple insurers or work with a company that specializes in high-risk auto insurance.

Will my rates go up if I need an SR-22?

Usually, yes. The need for an SR-22 indicates you’re a higher-risk driver, which typically results in higher premiums. However, rates can vary significantly between insurers.

What happens if I cancel my SR-22 insurance?

If you cancel your SR-22 insurance or let it lapse, your insurance company is required to notify the state. This could result in license suspension and reset the clock on your SR-22 requirement.

Can I get an SR-22 without a license?

In most cases, no. You typically need a valid driver’s license to get auto insurance. However, some states may allow you to file an SR-22 to reinstate a suspended license.

Is an SR-22 the same as insurance?

No, an SR-22 is not insurance. It’s a form that your insurance company files with the state to prove you have the required minimum liability coverage.