Best Non-Owner SR22 Insurance Companies – 2025 Guide

Top Providers, Real Broker Insights, and What to Know Before You Buy

If you’re required to file an SR-22 but don’t own a car, you’re in a tough spot. Many major insurers don’t offer non-owner SR-22 insurance, and those that do often won’t cover high-risk drivers with suspended licenses, DUIs, or multiple violations.

So who actually does issue non-owner SR-22s — and does it matter which one you choose?

Yes, it matters a lot.
This guide covers the best non-owner SR-22 insurance companies in 2025, based on real-world broker feedback, user reviews, coverage availability, pricing, and filing speed.

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✅ What Makes a Great Non-Owner SR-22 Company?

To make this list, a provider must:

• ✅ Offer non-owner liability-only policies
• ✅ Be willing to file an SR-22 form with your state
• ✅ Accept drivers with suspended or revoked licenses
• ✅ Provide same-day SR-22 filing for fast license reinstatement
• ✅ Operate in multiple states with high-risk underwriting

Many well-known insurers (like GEICO, State Farm, and Allstate) don’t meet these criteria. They may offer SR-22 for existing customers with cars — but they typically reject non-owner policies and repeat offenders.

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🥇 Top 7 Non-Owner SR-22 Insurance Companies (Ranked)

1. Dairyland

Best Overall for Non-Owner SR-22

• Coverage: 40+ states
• Filing Speed: Same-day SR-22
• License Status: Suspended, expired, restricted all accepted
• Specialties: DUI, multiple violations, out-of-state filings
• Payment Options: Low down payment, monthly plans

✅ Broker Insight: “Still the go-to for SR-22. They’ll work with nearly anyone.”

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2. The General

Best for Instant Quotes + High-Risk Approvals

• Coverage: 47 states
• Filing Speed: Same-day SR-22
• Known For: Approving drivers other insurers reject
• Mobile App: Yes
• Down Payment: Often required upfront (1–3 months)

⚠️ Higher premiums, but low barrier to entry.

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3. SafeAuto

Best Budget Option (When Available)

• Coverage: 25+ states (mostly Midwest/South)
• Filing Speed: Within 24 hours
• Strengths: Low rates, flexible billing
• Customer Service: Mixed reviews — best via local agents

✅ Broker Insight: “If they’re in your state, it’s worth starting there.”

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4. Bristol West (via Foremost/Progressive)

Best If You Use a Broker

• Coverage: 40+ states
• SR-22 Filing: Yes, through agent channel
• Owned by: Progressive
• Availability: Brokers only — not direct-to-consumer

Progressive doesn’t always allow non-owner SR-22 via their main site, but Bristol West does through agents.

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5. Acceptance Insurance

Best Hybrid Option (Online + Walk-In Service)

• Coverage: 10–15 states
• Local Agents: Yes (Midwest + South)
• Known For: Serving drivers with complex records
• Downside: Not available nationwide

✅ User Feedback: “They filed my SR-22 in under 1 hour. No judgment.”

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6. Infinity (Kemper)

Best for Bilingual Support + Urban Areas

• Coverage: 43 states
• Highlights: Spanish-speaking agents, city-focused risk tolerance
• SR-22 Filing: Yes, non-owner supported
• Issues: Higher rates in high-risk ZIPs

Great for California, Texas, Florida, and major metro areas.

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7. Direct Auto Insurance

Best for Reinstatement Needs in the Southeast

• Coverage: AL, FL, TN, MS, SC, GA, and others
• SR-22 Filing: Yes
• Specialty: Low down payments, same-day reinstatement
• Bonus: Accepts drivers with revoked licenses (case-by-case)

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🚫 Major Carriers That Don’t Work for Non-Owner SR-22

Company	Why to Avoid
GEICO	Doesn’t offer SR-22 in most states; won’t file for non-owners
State Farm	No SR-22 for high-risk or suspended drivers
Allstate	No support for SR-22 without an existing full auto policy
Nationwide	Not available for non-owner in most markets

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📊 At-a-Glance: Best Non-Owner SR-22 Companies (Original Comparison)

Company	Filing Speed	Accepts Suspended License?	Available States	Broker Required?
Dairyland	✅ Same day	✅ Yes	40+	No
The General	✅ Same day	✅ Yes	47	No
SafeAuto	✅ 24 hrs	✅ Yes	25+	No
Bristol West	✅ Same day	✅ Yes	40+	✅ Yes
Acceptance	✅ 1–2 hrs	✅ Yes	10–15	No
Infinity	✅ Same day	✅ Yes	43	No
Direct Auto	✅ Same day	✅ Yes (some)	12+	No

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🧠 How to Choose the Best Non-Owner SR-22 Insurer

Here’s what to ask before buying:

1. Do they file SR-22 for non-owner policies in your state?
   (Some only file for owner coverage)
2. Do they accept your license status?
   Suspended, revoked, expired = rejection at many carriers
3. Will they file it electronically with your DMV today?
   Some companies still fax or mail forms — which can delay reinstatement by days
4. Do they charge a separate SR-22 filing fee?
   $15–$50 is normal — but some carriers waive it if paid upfront
5. Do they offer flexible payments?
   Especially important if you’re facing court fines or reinstatement fees

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✅ Final Word: The Best Company Depends on Your Record and Location

There’s no one-size-fits-all when it comes to non-owner SR-22 insurance — especially if you have:

• A suspended or revoked license
• Multiple violations (DUI, no insurance, reckless driving)
• No vehicle or shared household car
• Urgent DMV deadlines

That’s why Dairyland, The General, and SafeAuto consistently top the list. They offer fast filings, accept high-risk drivers, and operate across much of the U.S.

If you want your license back fast and without hassles, working with an SR-22-savvy insurer or broker is the key.

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💡 Need Help Finding the Best SR-22 Provider in Your State?

We work with trusted carriers in all 50 states to help you file your SR-22 same day — even if you don’t own a car or have multiple violations.

👉 Compare Non-Owner SR-22 Quotes Now (see top of page) →

Methodology:

We included the following in our research:

• Official insurer websites (e.g., Progressive, Dairyland, SafeAuto)
• SR-22 broker networks and aggregators (Freeway, UltraCar, SR22Insurance.net, Select Insurance)
• Independent reviews from ValuePenguin, NerdWallet, MoneyGeek, TheZebra, and Bankrate
• Real user reviews (Reddit, Quora, Google Reviews)
• Licensing, filing speed, and availability data from state DMVs