Rhode Island Non Owner SR22 Insurance


If your Rhode Island driver’s license is suspended because of a DUI, you will be required to purchase SR22 insurance in order to get it reinstated.

When you purchase SR22 insurance, your insurance company will file an SR22 form with the DMV. This SR22 form proves to the State of Rhode Island that you are in fact insured. If your insurance is ever canceled, the SR22 policy requires your insurance company to notify the DMV. In short, an SR22 policy provides an easy way for the DMV to monitor you, and to make sure you stay insured.

Non-owner SR22 insurance is a type of SR22 insurance that is available to those drivers who do not own or have regular access to a vehicle, but want to get their driver’s license reinstated.

Rhode Island Non-Owner SR22 Insurance and Ignition Interlock Law:

If your DUI is a subsequent offense (meaning it’s not your first time), you may be required to install an ignition interlock in your vehicle. You need to have regular access to a vehicle in order to fulfill this requirement. Therefore, as long as you have an ignition interlock, you will not qualify for non-owner SR22 insurance.

If, at the conclusion of your ignition interlock requirement, you no longer have regular access to a vehicle, you may want to explore the non-owner SR22 option.

How to Get Rhode Island Non-Owner SR22 Insurance:

A Rhode Island SR22 requirement usually lasts for three years. This is too long to pay more than you can afford. We can help you find the best non-owner SR22 rate available in Rhode Island.

Basic Facts About Rhode Island Non Owner SR22 Insurance
Non owner SR22 insurance:

  • Is liability only secondary coverage
  • Is written for one person only
  • Does not cover household vehicles
  • Does not cover commercial vehicles
  • Does not cover rental vehicles
  • Does not cover vehicles that are frequently driven

How Long Does Rhode Island Non Owner SR22 Insurance Have to be Maintained?
Most drivers who are required to obtain Rhode Island non owner SR22 insurance will have to maintain it for a period of one to three years, depending on the circumstances.

What Offenses Are Cause for an SR22 Insurance Filing?
Examples of circumstances or violations that result in the requirement to carry SR22 non owner insurance:

  • Unpaid child support
  • Uninsured auto accidents
  • Operating an uninsured vehicle
  • Refusal to take a DUI or DWI test
  • DUI or DWI convictions
  • Excessive points on a driver’s DMV record