Non-Owner SR-22 Insurance: The Complete Guide
Quick answer: A non-owner SR-22 policy is liability-only auto insurance for drivers who don't own a vehicle but still need to file an SR-22 with the DMV. It costs $30 to $70 per month and satisfies state filing requirements after a DUI, license suspension, or other trigger.
Best for
Drivers who lost their license, need to reinstate it, and either sold their car or never owned one — but occasionally drive borrowed or rented vehicles.
Who should get a non-owner SR-22?
- You had your license suspended after a DUI and sold your car during the suspension
- You need to satisfy the state's SR-22 requirement to keep your license active but don't want to buy a car
- You are moving to a new state and need to maintain SR-22 filing with your original state
- You occasionally borrow a friend's or family member's car (but do NOT live in the same household)
- You rent cars regularly and want liability coverage without paying the rental agency's daily fee
What does a non-owner SR-22 cover?
| Coverage | Included? | Notes |
|---|---|---|
| Bodily Injury Liability | ✓ | State minimum limits |
| Property Damage Liability | ✓ | State minimum limits |
| Uninsured/Underinsured Motorist | ✓ | Where state requires |
| Collision | ✗ | Not available |
| Comprehensive | ✗ | Not available |
| Medical Payments (MedPay) | Optional | Not in all states |
Best carriers for non-owner SR-22
- Dairyland — usually the cheapest option for non-owner SR-22, available in 37 states.
- Progressive — nationwide availability, fast electronic filing.
- The General — accepts drivers with bad credit and prior lapses.
- Kemper Specialty — competitive rates in 30+ states via independent agents.
- GEICO — nationwide but underwriting is tighter after DUI.
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Non-owner SR-22 by state
Availability and average rates for non-owner SR-22 in the top 15 states:
What non-owner SR-22 does NOT cover
- A vehicle owned by anyone in your household (spouse, parent, roommate)
- Any vehicle you own (even if it's not registered to you)
- Company/business use (delivery, rideshare, work vehicles)
- Damage to the borrowed/rented vehicle itself (that's the owner's collision coverage)
Frequently Asked Questions
What is a non-owner SR-22?
A non-owner SR-22 is a policy for drivers who need an SR-22 filed but do not own a vehicle. It provides liability coverage while you drive borrowed, rented, or occasional-use cars, and satisfies the state DMV filing requirement.
Do I really need a non-owner SR-22 if I don't drive?
Yes. Even if you never plan to drive again, if the state requires SR-22 to reinstate your license or maintain your driving privileges, you must file. A non-owner policy is the cheapest way to satisfy the requirement without buying a car.
How much does a non-owner SR-22 cost?
Non-owner SR-22 policies typically cost $30–$70 per month, or $360–$840 per year. They are dramatically cheaper than standard SR-22 policies because they only provide liability (no collision or comprehensive) and typically don't include rental coverage.
Can I drive any car with a non-owner policy?
You can drive vehicles you occasionally borrow — but the policy does NOT cover cars owned by someone in your household (like a spouse), vehicles you rent for business use, or cars you use for rideshare/delivery. For household vehicles, the household member's policy must cover you.
Which companies offer non-owner SR-22?
The largest carriers offering non-owner SR-22 are Progressive, GEICO, State Farm (limited states), Dairyland, The General, and Kemper Specialty. Dairyland and The General usually have the lowest rates for high-risk drivers.