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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 28, 2022

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The Full Review

  • GEICO offers both non-owner and SR-22 insurance
  • Drivers who don’t own a car need non-owner insurance, and high-risk drivers need SR-22 coverage
  • Add discounts and take a defensive driving course to lower GEICO auto insurance rates

GEICO is the second-largest insurance company in the country, offering various coverages. It is also one of the few top insurance companies that offer SR-22 and non-owner car insurance.

High-risk drivers need GEICO’s non-owner SR-22 insurance to maintain coverage without a vehicle. Continuous coverage keeps rates low and fulfills court-required insurance.

However, GEICO SR-22 insurance is expensive, and non-owner insurance only offers coverage required by your state, such as liability coverage.

Keep reading to learn more about GEICO’s non-owner SR-22 insurance. Find out when you need these coverages and how to save on GEICO car insurance.

GEICO SR-22 Insurance Coverage

Most top car insurance companies don’t offer SR-22 coverage or non-owner insurance, but GEICO provides both. Though drivers can combine these coverages, they are very different.

Your state has its own rules for everything you need to know about SR-22 insurance. However, your DMV and court have the required information.

SR-22 insurance isn’t a specific coverage. Instead, it’s a form filed by GEICO showing the state you have at least the minimum amount of car insurance required. While the filing fee is typically around $25 to $50, car insurance rates increase significantly.

The court mandates an SR-22 form, and it must remain on file for a certain period, typically three to five years. After the time is up, notify GEICO of the form’s removal, and your car insurance rates usually decrease.

Drivers with DUIs, multiple at-fault accidents, several tickets in a short amount of time, or who drive without insurance may need SR-22 insurance. However, every state makes its own rules for when SR-22 coverage is necessary and how long.

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GEICO Non-Owner Car Insurance

On the other hand, drivers who don’t own a car need non-owner car insurance. If you occasionally borrow or rent a vehicle, you still need insurance to drive. Non-owner car insurance covers the driver, not the car.

GEICO’s non-owner insurance meets the state minimum, offers liability coverage, and offers other coverages required by your state, including medical payments, personal injury protection, and uninsured/underinsured motorist coverages.

However, liability coverage only protects other drivers. If you cause an accident, liability covers property damage and bodily injuries to others.

In addition, you can’t add collision and comprehensive coverages, so there’s no way to protect your vehicle with non-owner coverage.

However, non-owner insurance is much cheaper. Though GEICO non-owner coverage costs as little as $300 a year, rates vary by driver. Age, driving record, credit score, and ZIP code impact GEICO rates.

Since drivers who need SR-22 coverage are high-risk drivers, expect rates to increase. Drivers should expect higher rates if they need non-owner and SR-22 coverage.

Non-owner SR-22 insurance covers drivers who must maintain court-ordered car insurance but don’t currently own a vehicle.

GEICO offers non-owner SR-22 coverage to any driver.

Who needs GEICO’s non-owner SR-22 insurance?

Say an accident totals your car, and you’re get charged for driving without insurance. You may choose not to replace your vehicle right away but still need car insurance.

While you may think you don’t need car insurance without a vehicle, allowing coverage to lapse leads to higher rates when you get coverage again.

In addition, you may want to borrow a friend’s car. Unfortunately, you can’t drive it legally without the proper coverage.

The court may also mandate SR-22 coverage if you didn’t have proper insurance at the accident. According to NOLO, the court may revoke your license if you don’t keep SR-22 coverage for the mandated amount of time.

GEICO’s non-owner SR-22 insurance allows you to drive and meet court requirements. Although rates are lower than traditional auto insurance, so is coverage. If you wreck the car you’re driving, insurance won’t pay for repairs.

How much does GEICO SR-22 insurance cost?

Your driving record is one of the most significant factors affecting car insurance rates.

Drivers with accidents, tickets, and DUIs pay higher rates. While filing an SR-22 form only costs about $25, you will incur higher auto insurance rates.

For comparison, this table shows average annual rates from top companies, including GEICO, based on driving records.

Average Annual Auto Insurance Rates Based on Driving Record
CompanyAverage Annual Rates with Clean RecordAverage Annual Rates with 1 AccidentAverage Annual Rates with 1 DUIAverage Annual Rates with 1 Speeding Violation
Allstate$3,819.90$4,987.68$6,260.73$4,483.51
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Farmers$3,460.60$4,518.73$4,718.75$4,079.01
GEICO$2,145.96$3,192.77$4,875.87$2,645.43
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
Nationwide$2,746.18$3,396.95$4,543.20$3,113.68
Progressive$3,393.09$4,777.04$3,969.65$4,002.28
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Travelers$3,447.69$4,289.74$5,741.40$4,260.80
USAA$1,933.68$2,516.24$3,506.03$2,193.25
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One DUI raises GEICO rates by about $100 a month, and high-risk GEICO insurance is more expensive. However, non-owner car insurance from GEICO is cheaper since it only includes liability and other required coverages.

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How can you save on GEICO auto insurance?

Even if you have high rates or non-owners insurance coverage, there are several ways to lower rates.

Take advantage of GEICO discounts for significant savings. Although you won’t get safe driver or vehicle discounts, look for other savings, such as good student, continuous coverage, and occupational discounts.

This table shows GEICO auto insurance discounts, with the savings amount listed if available.

GEICO Auto Insurance Discounts
Auto Insurance DiscountsGEICO (%)
Anti-lock Brakes5
Anti-Theft25
Claim Free26
Continuous Coveragex
Daytime Running Lights1
Defensive Driverx
Distant Studentx
Driver's Edx
Driving Device/Appx
Early Signingx
Emergency Deployment25
Family Legacyx
Farm Vehiclex
Federal Employee8
Full Paymentx
Further Educationx
Good Student15
Homeownerx
Low Mileagex
Loyaltyx
Membership/Groupx
Military15
Multiple Policies10
Multiple Vehicles25
Newer Vehiclex
Occupationx
Passive Restraint40
Safe Driver15
Seat Belt Use15
Students & Alumnix
Utility Vehiclex
Vehicle Recovery15
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While GEICO offers low rates to start with, bundle all eligible discounts to save the most.

Next, clean up your driving record. Although you can’t change what’s already on your record, drive safely to avoid adding more infractions.

A defensive driving course also reduces rates. Not only can you get a defensive driver discount, but many states remove points from your license if you take the class.

GEICO’s Non-Owner SR-22 Car Insurance: The Bottom Line

GEICO’s non-owner SR-22 coverage provides drivers with coverage required by the court, even if they don’t own a car. High-risk drivers may need SR-22 insurance, while drivers who don’t own a car need non-owner coverage.

So, if you’re car is totaled, and you get a DUI, non-owner SR-22 insurance allows you to avoid a costly lapse in coverage and fulfill court-mandated insurance requirements.

Although non-owner insurance only provides liability coverage and is cheaper, SR-22 coverage is expensive.

Since other companies besides GEICO offer non-owner SR-22 insurance, shop around to find the best coverage with the lowest rates.