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Important: Non-owner SR22 is available in most of our 14 states. Coverage requirements and availability vary by state — a licensed agent will confirm what's available in your state when you call.

Don't Own a Car

Your state still requires SR22 on file even if you have no vehicle. A non-owner policy satisfies the requirement so your license can be reinstated.

Rent or Borrow Cars

If you drive rental cars, carshares, or borrow vehicles occasionally, a non-owner policy provides the liability coverage your state requires.

License Suspended

SR22 must be filed before your state will begin the reinstatement process — even if you don't plan to own a car right away.

DUI / DWI Conviction

A DUI conviction triggers SR22 regardless of whether you own a vehicle. Non-owner SR22 is the most affordable way to stay compliant after a DUI.

Non-Owner SR22

• You don't own a vehicle
• Lowest premium cost
• Covers borrowed or rented vehicles
• Satisfies SR22 filing requirement
• Same-day filing available

Standard SR22

• You own a vehicle
• Higher premium (tied to a vehicle)
• Covers your specific vehicle(s)
• Required if you have regular access to a vehicle
• Same-day filing available

Do I really need SR22 if I don't own a car?

Yes — in most states the SR22 requirement is tied to you, not your vehicle. Even if you sold your car or never owned one, your state still requires the SR22 filing before reinstating your license.

Is non-owner SR22 cheaper than regular SR22?

Yes — typically significantly cheaper. Because the policy isn't tied to a specific vehicle, the risk calculation is lower and premiums reflect that. It's the most affordable way to maintain SR22 compliance.

What does a non-owner policy actually cover?

It provides liability coverage — bodily injury and property damage — when you're driving a vehicle you don't own. It does not provide collision or comprehensive coverage on that vehicle, and it does not cover vehicles you own, have regular access to, or that belong to members of your household.

Can I switch to a regular SR22 if I buy a car later?

Yes — and you'll need to. Once you own a vehicle, you must switch to a standard SR22 policy that covers that specific vehicle. Continuing with a non-owner policy after buying a car typically won't satisfy your state's requirements. Call us when that happens and we'll handle the transition.

How long do I need to carry the non-owner SR22?

The same as a standard SR22 — typically 2–3 years depending on your state and the violation. The clock restarts if your policy lapses, so continuous coverage is critical regardless of whether you drive at all during that period.

What if I sometimes drive a household member's car?

This is a critical point — if you have regular access to a vehicle owned by someone in your household, a non-owner policy likely won't cover you. You would need to be added to that vehicle's policy with an SR22 endorsement instead. Tell your agent the full situation and they'll guide you to the right coverage.