You drive cars you do not own, or you need an SR-22 and have no car. Call now and a licensed agent sets up non owner car insurance and files your SR-22 today.
It pays for injuries and damage you cause to other people. It is often the cheaper way to carry an SR-22 when you have no car.
Who needs it
- Drivers who rent or borrow cars often.
- Drivers who need an SR-22 but sold their car.
- People between cars who want no gap in coverage.
- Drivers who use car sharing.
If you live with someone who owns a car, you may need to be listed on that policy instead. One insurer says so on its own SR-22 page. Tell the agent who you live with, and the agent picks the right policy.
What it covers and what it skips
It covers liability, which is harm you cause to others. Liability applies to a car you drive only with the owner's permission.
It skips the car itself. There is no collision or theft coverage, so it does not repair the borrowed car. Liability also does not pay for your own injuries or people in your household.
If damage passes your limits, you owe the rest. Minimums differ by state. One state sets $30,000 / $60,000 / $15,000, and the agent quotes the limits your state requires.
What it costs
It usually costs less than an owner's policy, because there is no car to repair. Non-owner SR-22 coverage is typically cheaper because the driver drives less.
Prices still vary by company. In some states, broker fees are not set by law, so they can be negotiated. One call gets you quotes from companies that file SR-22s in your state.
Who sells it
Not every insurer sells it online. Some companies offer non-owner coverage but leave it out of their online quote. Call us and the agent quotes those companies for you on the same call.
Buy from a licensed seller. Agents and brokers must be licensed by the state. Every agent who answers our line is a licensed insurance agent.
Using it to carry an SR-22
You need a non-owner policy with an SR-22 filing. Drivers without a car need the non-owner policy before the SR-22. The insurer then files the form with the state.
When you buy a car, switch to an owner's policy before you drive it. File the new SR-22 before the old one ends. Read more on SR-22 without a car and how long you need it.