Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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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

UPDATED: Jul 14, 2021

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In a nutshell...

  • There are instances where individuals may be required to obtain car insurance, SR22, even if they don’t own a vehicle or drive a car on a regular basis
  • If you are found driving without car insurance or any other infractions that may lead to the suspension of your driver’s license, you may need to obtain an SR-22 form
  • The SR-22 certificate proves that you are meeting your state’s auto insurance requirements for a given period and is not an insurance by itself
  • SR-22 insurance for non-owners is a form of a secondary car insurance policy that covers losses beyond and above what might have been covered by the vehicle’s primary insurance
  • If you are driving a rental car, or any other vehicle that you don’t own, and happen to get in an at-fault accident, SR-22 insurance for non-owners protects you from any losses arising from the crash

One of the consequences of driving without meeting your state’s car insurance requirements is having your driver’s license suspended. In that case, you may need to get rid of your vehicle altogether which will leave you without regular access to your car.

However, if you want the state to reinstate your license, you ought to consider obtaining SR-22 insurance for non-owners.

The consequences of driving without car insurance vary from state to state, and besides having your license suspended, you may find yourself facing jail time. Make sure that you meet your state’s auto insurance requirements before you hit the freeways.

Before you make the decision to purchase auto insurance from a particular provider, shop around.

Compare quotes from various providers until you find one that meets your auto insurance needs at a reasonable price. Make sure to use our free insurance comparison tool above to make sure you get the best rates!

What is SR-22 insurance for non-owners?

Also known as the Certificate of Financial Responsibility (CFR) filing or simply SR22 insurance, this particular type of insurance provides coverage against liability claims in the event of an at-fault accident with a car that does not belong to you — a rental, for instance.

The SR-22 certificate also shows that you meet your state’s auto insurance requirements thus keeping you from trouble.

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Who should obtain SR-22 insurance for non-owners?

If you have your license suspended and don’t have regular access to a vehicle, you are the perfect candidate for SR-22 insurance for non-owners.

The SR-22 will help you get your license status reinstated at a low cost. With SR-22 insurance for non-owners, all that will be required from you is to purchase your state’s minimum auto insurance requirements.

Instances Where You May Be Required to Have an SR-22 Non-Owner’s Policy

The idea that you may be required to have car insurance even though you don’t own a car or drive one on a regular basis may sound odd to many, but it happens.

Auto insurance providers offer non-owners car insurance policies because they understand that there are some situations where an individual may be required to carry car insurance even if they don’t drive or own a vehicle.

For instance:

  • If you don’t own a car, but you want coverage for when you occasionally operate non-owned autos such as a rental car.
  • When your state requires you to have a car insurance policy, but you don’t have a car.

A state regulatory entity may require you to file an SR-22 form to have an auto insurance provider certify that you have the ability to pay for any accidents claims that may come your way in the future.

The SR-22 is the document you file to validate financial responsibility and is technically not coverage.

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Getting an SR-22 NonOwners Policy

Many traditional auto insurers sell SR-22 insurance for non-owners, but some companies specialize in this type of policies.

It’s possible to purchase a policy online, but your best option is to speak directly to an auto insurance agent. Make sure that you approach an agency that handles a lot of high-risk customers.

Be forthcoming and provide all the information surrounding your circumstances. To get an SR-22 policy for non-owners, you will have to meet the following criteria:

  • You don’t own a car
  • There aren’t any available cars in your households even if you don’t own them
  • You are not required to have an ignition interlock device
  • You don’t have any vehicles that you use on a regular basis

The above scenarios only represent a general rule of thumb. Each state varies in the way it handles SR-22 insurance for non-owners.

Check with your state’s insurance department for requirements before you purchase SR-22 nonowner’s policy.

Don’t buy coverage if you don’t meet any of the specified requirements. Also, make sure that you compare as many quotes as you can before you settle for one provider. Shop comparison gives you the best shots at the best rates.

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What coverage does a nonowner’s SR-22 policy provide?


First of all, the SR-22 insurance for now-owners is only a secondary coverage. The car owner’s policy will be the primary coverage if you cause a wreck with a borrowed vehicle.

Otherwise, the SR-22 non-owners policy will only provide liability coverage up to the purchased limits. Typically, this type of policy will include:

  • Property damage liability
  • Bodily injury liability

Depending on your state’s auto insurance requirements, you might have to include:

  • Underinsured motorist bodily injury coverage
  • Uninsured motorist bodily injury coverage
  • Medical payments

Since the SR-22 insurance doesn’t have a comprehensive or physical damages coverage, the policy doesn’t protect the car you are driving in any way.

Some states mandate certain individuals who don’t own any vehicle to carry SR-22 insurance for non-owners.

Finding Your Best Option

Such measures are aimed at protecting other road users because state agencies know that these people can be reckless and can cause harm or property damage even when driving non-owned vehicles.

To get the best deal on your SR-22 insurance for non-owners, go online and compare as many quotes as you can.

Comparison shopping is an effective method of making sure that you are getting proper coverage at a reasonable price.

Don’t miss out on our free insurance comparison below to compare the best rates now!