Non Owner SR22 Insurance

Non Owner SR22 Insurance Explained

What exactly is a Non Owner SR22 and how does it differ from an Owner policy? We’ll clear things up for you and make sure you’re getting exactly what you need in order to have your Driver’s License reinstated quickly and affordably.

What is a Non Owner SR22?

All States with the exception of Delaware, Kentucky, Minnesota, New Mexico, New York, North Carolina, Oklahoma, and Pennsylvania have situations where residents may be required to carry an SR22 policy.

If you’re required to carry SR22 insurance, but you don’t own a vehicle, you will qualify for a Non Owner SR22. Not only is this the easiest type of SR22 insurance to obtain, but it’s by far the cheapest route to take. You’ll still need the mandatory Liability Limits on your policy, which varies from State to State, but since there’s no vehicle for the insurance company to cover, the policy is far less expensive.

An SR22 itself is not actually insurance. It’s proof that you are carrying the required liability limits as designated by your State. A Non Owner SR22 allows you to transport that coverage to any vehicle you may drive, but do not have regular access to and don’t own. It also allows you to get your driver’s license reinstated.

How to Get Your Driver’s License Reinstated Quickly:

Why Would You Have to Carry an SR22?

While all of the reasons are extensive in their entirety, some of the top ones are:

  1. Convicted of Driving Under the Influence
  2. Driving without a valid insurance license
  3. Driving without insurance on the vehicle
  4. Being labeled as a Habitual Traffic Offender
  5. Failure to stay up to date on Child Support
  6. Serious driving infractions such as Reckless Driving
  7. Letting a previous SR22 policy lapse

How Much Does a Non Owner SR22 Cost?

SR22 pricing varies from State to State. Pricing also varies from insurance company to insurance company. While the filing fees generally range between $15 and $50, the average filing fee itself is around $25. The policy itself can vary in price from under $100 to over $2,000 and anywhere in between. Your age, marital status, gender, address, driving record, etc are all factored into the total SR22 pricing equation. By shopping the market for the lowest priced policy, you can fulfill your SR22 requirement without overpaying.

Non Owner SR22

How Long Do You Need to Carry a Non Owner SR22?

This also varies from State to State. In some States it varies depending on the offense that caused the need for an SR22. Typically you need to carry it for 3 years, but in some cases it can be anywhere from one to five years.

One of the most important pieces of advice is to Never let your SR22 policy expire or lapse until you’ve fully complied with your restriction period. In most States, if your policy does lapse, you will go back to square one and you’ll have to repeat the Entire process again!

If you specifically need other types of insurance such as a Florida SR22 or Florida FR44 insurance (all available in the Non Owner SR22 flavor), you can visit,, or