No car in your name, but your state still wants an SR-22. Call us and a licensed agent sets up non owner SR-22 insurance and files it today.
It is a liability policy that follows you into a borrowed car. The insurer attaches the SR-22 to it, and your license can move toward reinstatement.
Who needs non-owner
You fit if the state ordered an SR-22 and no car is registered in your name. Common cases:
- You sold the car after the suspension.
- You borrow a friend's or family member's car now and then.
- You rent cars or use car sharing.
- You want your license back before you buy a car.
If a car in your household is registered to you, non-owner is the wrong fit. That car needs an owner's policy. The agent sorts out which one you need on the call.
What it covers
It pays for injuries and damage you cause to other people while you drive a car you do not own. Liability pays someone other than you, and it does not pay for your own injuries.
It does not fix the car you borrowed. It does not cover a car you own. It still has to meet your state's minimum limits, and the agent quotes limits that meet them.
What it costs compared to regular
Non-owner usually costs less than an owner's policy, because there is no car of yours to insure. The filing fee is a small one-time charge, about $15 to $50.
The violation still raises the price. One state regulator says surcharges typically last three years. States set their own fees and limits, so a real quote is the only true number. Call now and the agent compares quotes with the same limits.
Companies that offer it
Not every company sells it, and some sell it only by phone. Our agent knows which ones write a named non-owner policy with an SR-22 in your state.
Read what Progressive, GEICO, Dairyland and The General say about SR-22 filings. The agent quotes several at once. Pick one and the SR-22 gets filed today.
When you buy a car later
Switch to an owner's policy before you drive the new car. Keep the SR-22 on file with no gap. Some states require the new SR-22 to be filed before the old one expires.
Call us the day you buy. The agent moves you to an owner's policy and files the new SR-22, so your required time keeps running. A lapse can restart the clock.