SR22 Insurance for Non Owners

We Offer Free Non Owner SR22 Insurance Quotes:

There will be times when a person will have to file an SR22 and that person might not own a vehicle.  This type of insurance is called SR22 insurance for non owners.  A person might also be named as an additional or primary driver of another person’s vehicle and will still have to get this type of insurance to suit that states filing requirements, even if the owner of that vehicle has insurance, a secondary insurance is required.

When SR22 insurance for non owners is required, the driver has to list any vehicles that he or she will be driving, even though the vehicles are owned by someone else.  Usually, this type of insurance will cost a person less money if he or she does not own a vehicle.  For those that own their own vehicles, the insurance will be higher, sometimes two-thirds higher than what they paid before being informed that they had to file an SR22.

If a person that is required to file an SR22 and a vehicle is still his or her name (on the title), that vehicle will probably have to be added to the insurance, even if the vehicle is not driven.  If the vehicle is not registered, this might alleviate that issue.  Most insurance companies require anyone in the household that has a valid driver’s license to be on the policy, because the insurance company assumes that any driver could drive any registered vehicle that is on the premises, at any time, and the company will not take the risk.  An SR22 for non owners of vehicles is different if the person that owns the vehicle does not live in the same household.

SR22 insurance for non owners generally covers the minimum liability that is required in the state of the insured.  The numbers for the coverage would be 25/50/10 for most states.  The 25 stands for liability for injuries or deaths in accidents and that amount is $25,000, the 50 stands for the maximum amount of liability an insurance agency will pay, per person, which is usually $50,000.  The third number, 10, stands for liability for property that might be damaged when there is an accident, and that amount is usually $10,000.  If an accident was to cost more than these amounts that have been stated, the person who caused the accident would be liable to pay the rest of the money to the victim(s).

Some states have a new law regarding DUI offenses and convictions.  If a person has been convicted of a DUI, some courts will issue an order to have a device installed of any vehicles that the convicted person owns or might drive.  This device is called an IID, or ignition interlock device, and it locks the vehicle’s ignition so that it cannot be started.  If a person has been ordered to have this locking device on his or her vehicle, he or she will not be able to get an SR22 non owners policy.

 

Our Process:

1. First, begin filling out our quote form
2. When it asks you for the vehicles make/model/year, just choose the last car that you drove, or something similar. It’s a bit unusual, we know, but it works, and it’s how all insurance companies quote non-owners policies*
3. When you speak with an agent just let them know it’s for non-owners.

* This is because, like any insurance company, we use a quoting engine that is designed for standard policies, and non-owners is a unique type of policy. We hope to develop our own engine at some point in the future.