Home / Non-Owner SR-22 Insurance: An SR-22 Without a Car
Non-Owner SR-22 Insurance: An SR-22 Without a Car
The short answer
You do not need to own a car to meet an SR-22 requirement. A non-owner policy is liability insurance for a driver without a car: it covers injuries and damage you cause while driving a car you do not own, and the insurer files the SR-22 with the state the same way it would for an owner policy. Georgia's DDS, for example, accepts a non-owner SR-22A from drivers who have no vehicle.
What a non-owner policy covers
| Covers | Does not cover |
|---|---|
| Liability at your state's minimum or higher when you drive a borrowed or rented car | Damage to the car you are driving |
| The SR-22 filing with the state | Cars you own or that are regularly available in your household |
Steps
- Ask insurers for a non-owner policy with an SR-22 filing; not every insurer offers it.
- Buy at least your state's minimum limits. Minimums by state.
- The insurer files the SR-22; pay your state's reinstatement fee.
- Keep the policy for the full SR-22 period. SR-22 length by state.
State guides: Texas · Mississippi · every state
FAQ
Can I get an SR-22 without a car?
Yes. A non-owner policy with an SR-22 filing meets the requirement for drivers who do not own a vehicle.
Does a non-owner SR-22 cover a car in my household?
No. Cars you own or that are regularly available to you at home are excluded; they need their own policy.
Does an SR-22 cover any car I drive?
The SR-22 only proves you have a policy; the policy decides which cars are covered. An owner policy covers the cars listed on it, and a non-owner policy usually covers you as a driver in cars you borrow or rent occasionally, within the limits and exclusions written in that policy. Read your policy or ask the insurer.