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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 www.MyFloridaSR22.com, www.MyFloridaFR44.com, or www.Cheap-Florida-FR44.com.

How Do I Get An SR22?

What Is An SR22?

While there are many reasons you would be required to obtain an SR22 in your State, some of the most common are: Driving under the influence (DUI, DWI, DWA), At Fault in an accident while driving without insurance, Multiple traffic offenses, most any suspension related to a traffic violation. In these cases, most States will require you to show future financial responsibility by having SR22 insurance. SR22 insurance can be purchased by a licensed insurance company in your state. The form shows the state that you have minimum liability limits for auto insurance. Policies are generally purchased in 6 month segments and can usually be paid for on a monthly basis to keep payments manageable.

Types of SR22 Policies

Basically there are two options; an Owner’s Policy and a Non-Owner’s Policy. The Owner’s Policy means we’ll add a vehicle to your policy. Conversely, the Non-Owner’s Policy means we won’t add a vehicle to your policy. Prefereably, from a financial perspective, we want to try to keep an automobile OFF of your policy. The reason for this is simply by virtue of needing an SR22, the insurance company is going to assume you’re a “High Risk” driver. Therefore, your insurance rates on that vehicle are going to be “Less Than Reasonable”. There are legitimate ways to keep a vehicle off of your policy and we can discuss those over the phone as each situation is unique. You can also legally get a Non-Owner’s Policy if you currently have “regular”  insurance on your vehicle through another company.

SR22, Cheap SR22, How to get an SR22, Florida SR22, Ohio SR22

Getting an SR22

Let’s just get this out there… It’s not going to be cheap in many cases. However, it’s often cheaper than anticipated. If we’re being honest, the requirement to obtain an SR22 is a punishment… it’s not supposed to be pleasant. Finding an agency to shop insurance rates is the best way to keep costs down.

You really shouldn’t make this more difficult than it has to be though. If you contact a reputable Insurance Broker, one that is familiar with the SR22 market, they handle all of the paperwork for you. They obtain the policy, email your cards and policy declaration, contact the DMV in your State and notify them of your compliance, etc. There’s nothing for you to do outside of provide the necessary contact information and pay for the policy.

So, while we hope to make the process as painless as possible, this is a business where we hope we never see a client more than once. Simply do your “time”, usually 2 or 3 years, and move on. From a compliance standpoint, leave that to us… it’s what we do. Call us today at 1-855-678-MY SR22 (1-855-678-6977) or access our Quoting Engine to search for the Lowest SR22 Rates in the State.

Select Insurance Group Specializes in FR44, SR22, SR50 and SR22A insurance products. With thousands of policies sold across the United States, Select Insurance Group has the resources, experience, and customer support to find you the right product at the lowest price. As Insurance Brokers, we’re not tied to any specific company. Our objective is to find the right product that matches your legal requirements and budget. Select Insurance Group routinely finds policies that are thousands of dollars less than competing quotes… simply by shopping the market at the time of purchase. Let Select Insurance Group find you the lowest price on your today! Call Now or enter your information into our Quoting Engine!


California SR22 Insurance Facts


An SR22 form is a document that helps the DMV and the state of California ensure that motorists are financially responsible for their driving. Certain drivers are deemed to be at risk because of past violations (as listed below) and are therefore required to file a California SR22 form with an insurance company. The auto insurance company will keep record of the SR22 as well as providing the motorist and the state DMV with a copy.

In the state of California there are three different types of SR22 forms:

  1. An Operator’s Policy Certificate which covers the financial responsibility in the case the motorist does not own a vehicle.
  2. An Owner’s Policy Certificate that covers the financial responsibility for vehicles owned by the motorist.
  3. A Broad Coverage Policy Certificate covers financial responsibility for all the vehicles that are owned or not owned by the motorist.


The SR-22 financial responsibility insurance form is required for specific drivers in California. The form(s) may be required for the following reasons:

  1. If you have any safety responsibility suspensions. For example, if you were an uninsured driver and were involved in an accident in the past but did not pay the requisite compensation.
  2. If you have any unsatisfied judgment suspensions. For example, if you, as a driver were involved in an accident in the past and then you had an unsatisfactory judgment entered against you.
  3. If you have a restricted license.
  4. If you have had your license revocated.
  5. For individuals convicted of DUI.

Handcuff Picture


  1. Contact a DMV- authorized auto insurance agency or broker to request for a California SR22 filing.
  2. Pay the correct processing fee to the agency. The fee amount may vary between agencies. You can request an insurance quote from our California auto insurance page and where we offer quotes from companies who will allow you to request an SR22 filing automatically. This can all be done online and will often allow you to save on auto insurance rates.
  3. As per the State laws of California, the minimum amount of coverage for one accident should be $15,000 for one person killed or injured, $30,000 for two or more persons killed or injured and $5,000 for property damage.
  4. Upon receiving the request from the agent the central office then sends the SR-22 directly to the DMV in about 30 days.
  5. If accepted, you will receive the SR22 from the agency along with a letter from the DMV.
  6. The SR22 has to be maintained for a minimum period of 36 months. If this is not done, the DMV may suspend the driving record of the motorist until the insurance is reinstated.


In case you move to another state, the requirements of your new state of residence will be applicable to you. Contact your insurance company for more information.


  • An amount of $35,000 in cash or as a surety bond may be deposited with the DMV in place of liability insurance.
  • DMV-approved self-insurance is also considered adequate proof of financial responsibility.

What is an SR22?

SR22 Insurance is an insurance policy which is required for certain high-risk drivers in order to reinstate a revoked or suspended driver’s license. A three year policy is typical, but SR22 insurance policies can vary from one to five years, depending on the violation. When an insurance company issues the SR22 auto insurance policy, it provides a certificate which guarantees the state’s Department of Motor Vehicles that the insured has met the state’s required minimums of liability coverage and that the DMV will be notified if there is any lapse in coverage. If the policy is not maintained or is canceled, the DMV will immediately suspend the driver’s license and may additionally penalize the driver.

Handcuff Picture

SR22 prices vary widely across insurance carriers; by as much as thousands of dollars for the same coverage. By using a Licensed Insurance Broker to shop multiple companies for you, you can be assured you’re getting the best coverage at the best price.

Select Insurance Group specializes in SR22, FR44, SR22A, and SR50 insurance products. Use our Quoting Engine for FREE, No Obligation Quotes… or call us at 1-855-678-MY SR22 (6977) to speak with a Licensed Insurance Professional.

DUI & DWI Laws in Florida

DUI & DWI Laws in Florida

Because drinking and driving is so dangerous, the penalties for doing so are extremely harsh in Florida. The state is serious about curbing injuries and deaths from alcohol-related crashes. The more DUIs you receive, the worse the penalties become.

Driving under the influence (DUI) is defined as operating a motor vehicle while impaired with a blood alcohol level (BAC) of .08 or higher, a chemical substance, or a controlled substance (316.193, F.S.). A DUI will remain on your driving record for 75 years.

First Conviction

Even your first DUI mistake can cost you more than just dollars:

  • Fines of $250 to $500. If you have a BAC of .20 or higher, or were driving with a minor in the car, your fine will be anywhere from $500 to $1000.
  • Community service. Mandatory 50 hours, or an additional fine equaling $10 per required hour.
  • Probation of no more than one year.
  • Jail time of at least eight hours, but could last up to six months. For BAC of .20 or higher, the sentence could last nine months.
  • Jail time of at least two years if you kill or injure someone.
  • Vehicle impoundment for 10 days (not counted during your incarceration)
  • Driver license revoked for a six month minimum

Second Conviction

  • Fines of $500 to $1,000. For BAC of .20 or higher, or a minor in the car, minimum $1,000 to $2,000.
  • Jail time of not more than nine months. A BAC of .20 or higher, or driving with a minor in the car, will require up to 12 months. If it’s your second conviction in five years, a mandatory 10-day jail sentence will be required.
  • Vehicle impoundment (if a second conviction in five years) for 30 days.
  • Driver license revoked for six months minimum. If it’s your second conviction in five years, you’ll lose your license for five years (but will be eligible to apply for a hardship license after one year).

Third Conviction

  • Fines of $1,000 to $2,500. If it’s your third conviction in 10 years, you’ll be charged $2,000 to $5,000.
  • Jail time. Mandatory 30 days if it’s your third conviction in 10 years. If it’s outside the 10-year limit, up to 12 months.
  • Vehicle impoundment (third conviction in 10 years) for 90 days.
  • Driver license revoked for a minimum five years. If it’s your third conviction in 10 years, a minimum of 10 years revocation will apply.

Fourth or Subsequent Conviction

  • Fines of $1,000 minimum; with BAC of .20 or higher, minimum of $2,000 fines. No maximum.
  • Jail time of up to five years.
  • Driver license revoked―mandatory permanent revocation. You won’t ever be eligible for hardship reinstatement.

Drivers Younger Than 21 Years of Age

Young drivers who are found with a BAC of .02 or higher are subject to an automatic six-month suspension. For most people, even one drink will put them over that limit.

It Gets Worse…

The penalties listed above may sound harsh, but they’re really the best-case scenario for a person who makes the decision to drink alcohol and then get into a car and drive. If you hurt someone while impaired or, worse yet, cause a death, the above penalties will seem like a slap on the wrist.

DUI Misdemeanor

If you cause property damage or personal injury to someone else while driving under the influence, you’ll be charged with a first-degree misdemeanor. That means fines up to $1,000 and jail time of up to one year.

DUI Felony

If you receive three DUIs in a 10-year period, or receive four at any time, you’ll be committing a third-degree felony. You’ll also have a felony conviction if you cause serious bodily injury to someone else, even if it’s your first conviction. Fines can reach $5,000 and jail time can last five years.

DUI Manslaughter

If you kill someone while driving with alcohol in your system, it’s a second-degree felony, with penalties of a fine up to $10,000 and/or jail sentence up to 15 years. If you leave the scene of the accident after killing someone, it’s a first-degree felony, punishable by a fine of up to $10,000 and/or jail sentence up to 30 years.

License Reinstatements

Even if you haven’t caused injuries or served jail time, losing your license can seriously affect other areas of your life, not the least of which is your job.

In some cases, it might be possible to have your suspended license reinstated for hardship purposes, meaning to drive to and from work only. You’ll have to complete a DUI program and probably have an ignition interlock device installed on your car for six months to two years or more.

The ignition interlock device requires the driver to give a breath sample before starting the car. If the BAC is more than .05, the car will not start. The device even submits the driver to “rolling retests,” meaning an alarm will sound and the driver must give a sample while operating the vehicle.

Even if you don’t apply for a hardship reinstatement, you’ll still be required to take the DUI course and possibly use an ignition interlock device. There’s no way to recover from a DUI conviction easily or quickly. The best idea is the simplest: Don’t drink and drive, period.

For more official details and regulations concerning DUI convictions, please see the state’s website.


Original post located at : http://www.dmv.org/fl-florida/automotive-law/dui.php