SR-22 Insurance When You Don't Own a Car

Different states have different rules for drivers, but an SR-22 insurance filing is usually required after certain types of moving violations. In some states, the form that needs to get filed is called an FR-44 and not an SR-22. Common examples of reasons these documents are required include a DUI conviction, reckless driving citations or causing a car accident when uninsured. 

While these forms have to get filed with the state, major car insurance providers will usually perform this task upon request. Very often, this filing has to be done to reinstate a driver’s license or in order to keep a license valid. Insurers will also inform the state if the policy lapses while an SR-22 is still required.

Getting SR-22 Insurance Without a Car

Some people need to have a valid driver’s license even if they don't own a car. The question often comes up about how to get an SR-22 (or FR-44) without owning a vehicle that needs to get insured. Many people who drive frequently but don't own cars buy non-owner car insurance that satisfies their own state's required liability insurance requirements. This kind of coverage is designed for people who might borrow or rent vehicles frequently, but it isn't for people who own a car (and may not cover work-related driving). Also, it won't be of assistance to drivers who need to satisfy an ignition interlock device requirement.

Otherwise, getting an SR-22 without owning a vehicle is fairly simple. Drivers simply need to find competitive auto insurance quotes for non-owner insurance and notify the company about the SR-22 requirement. Not all insurers issue these forms, but many do. Typically, there is also a filing fee. This usually ranges from about $25 to $50, depending upon the state.

If you need this type of coverage, your independent insurance agent can help you find the right coverage with the right insurance provider.