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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 24, 2022

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The Full Review

  • An SR-22 form is a state-mandated form for high-risk drivers
  • Non-owner insurance protects individuals who drive but do not own a vehicle
  • Not everyone needs these coverages, but it may take some research to find a carrier if you do

Did you know that individuals who do not own a car can purchase non-owner insurance? This car insurance policy is limited to drivers who do not have regular access to a vehicle.

Non-owner insurance differs from an SR-22 form. States require drivers to file an SR-22 form if they have a history of reckless driving. If you have to file an SR-22 form, you may also need non-owners insurance.

Non-owner car insurance can be less expensive than full car insurance for individuals with a clean driving record. If you need to file an SR-22 form, your insurance will be more costly regardless of your purchase policy.

Since finding an insurance company that offers non-owners insurance can be challenging, you need to conduct some research. To get affordable car insurance, you should compare quotes from multiple insurance companies.

What is a non-owner SR-22 form?

An SR-22 form is a certificate of financial responsibility for potential damages caused by a driver. This form acts as extra proof of insurance, typically mandated by the state government. The SR-22 form ensures that drivers can financially cover any damages even if they don’t own a car.

The state can require an SR-22 even if an individual has no intention of operating a motor vehicle, especially for those convicted of driving without a license. Essentially, the state protects other drivers on the road by requiring high-risk drivers to file a non-owner SR-22 form.

The SR-22 form ensures that drivers can financially cover any damages even if they don’t own a car.

It is common for people required to file for SR-22 to have non-owners insurance, which can be a double guarantee that an individual can financially compensate others after a collision. While non-owner SR-22 insurance is a punishment for reckless driving, it is also a second chance to prove to the state that a driver is taking responsibility for their actions.

When you purchase a non-owner insurance policy, the insurance company will file the SR-22 form on your behalf. If the state requires an SR-22, your insurance rates will increase due to a history of reckless driving. Reckless drivers are high-risk to insure since they have proven to be more likely to file a claim.

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Who needs a non-owner SR-22 form?

Individuals with a history of reckless driving may need to file an SR-22 form. You will know if you require non-owner SR-22 insurance because the court will mail you an order to obtain SR-22 insurance.

If the state requires you to file an SR-22 form, chances are you have some negative marks on your driving record. Typically, individuals who receive a DUI must file an SR-22 form.

Drivers might need to file an SR-22 if they meet the following conditions:

  • The driver has a DUI or DWI conviction
  • The individual gets caught driving without insurance
  • They receive multiple negative marks on their driving record
  • The driver gets convicted of a serious moving violation
  • Repeat reckless driving offenders
  • Drivers who had their license reinstated after a suspension

The above is not an exhaustive list of offenses that require someone to file an SR-22 form.

You should never engage in reckless driving behavior if you want cheap car insurance rates. Once you get convicted of serious driving offenses, your rates will remain expensive for a long time.

You may not think driving without insurance is considered reckless driving, but it is. SR-22 insurance makes sense because you put others at financial risk if you operate a motor vehicle without insurance. If you don’t have auto insurance, you leave other drivers vulnerable to expensive repairs and hospital bills.

What is non-owner car insurance?

Non-owner insurance is unique car insurance for occasional drivers, but it isn’t as comprehensive as traditional car insurance.

Non-owner insurance is not full coverage auto insurance, meaning your insurer won’t cover personal property damages unless you purchase supplemental coverage. If you get in an accident, your non-owner insurance policy financially protects the other driver.

There are limitations to who is eligible for non-owner insurance.

Non-owner car insurance typically carries two types of coverage: bodily injury liability and property damage liability. Those who purchase non-owner insurance policies can sometimes supplement their coverage. Additional coverage options can include medical payment assistance and uninsured motorist insurance.

If there isn’t an SR-22 attached, non-owner car insurance can be inexpensive compared to traditional insurance. However, there are limitations to who is eligible for non-owner insurance.

Who needs non-owner car insurance?

Any individual who does not own or have regular access to a vehicle but still drives is eligible to carry non-owner car insurance. This insurance is suitable for individuals who occasionally borrow a vehicle or operate rental cars.

Usually, insurance companies limit a driver’s eligibility for non-owners insurance. Suppose the driver in question lives in a household with someone who owns a vehicle. In that case, they typically cannot purchase non-owner car insurance.

Drivers who hold non-owner insurance and operate a vehicle sometimes have layered coverage. If another car insurance policy covers the vehicle, the primary insurance will pay first. After primary insurance pays out, the non-owner insurance will cover additional coverage.

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How does non-owner SR-22 insurance work?

Technically, there is no such thing as non-owner SR-22 insurance. Non-owner car insurance is a type of policy, and an SR-22 is a form that the state requires for high-risk drivers.

These two often go together, as those required to file an SR-22 form generally must also hold non-owner car insurance.

Not all drivers who carry non-owner car insurance have a history of reckless driving, since people who only drive occasionally also benefit from holding non-owners insurance. This policy type is beneficial for city dwellers who typically rely on public transit but sometimes rent or borrow a friend’s car. Non-owners insurance can be cheaper than a traditional policy if you’re not required to have it due to reckless driving.

Not all car insurance companies offer non-owner insurance policies, and it might take a bit of research to find a policy, especially if it isn’t court-mandated. Thankfully, most leading car insurance companies offer this type of policy, including State Farm auto insurance. You should speak with an insurance agent and compare quotes to get the best rates on non-owner car insurance.

Non-Owner SR-22 Car Insurance

We hope this article answered your questions about non-owner SR-22 insurance. Depending on your situation and if the court requires you to have non-owner car insurance, it can be challenging to find.

To get non-owner insurance at reasonable rates, you should compare quotes. By comparing quotes from leading car insurance companies, you can save money on your insurance policy.