Insurance companies may advertise cheap non owner SR22 insurance in Arizona, but when you call, do they actually offer the advertised rate? You’ve probably seen online ads for non-owner SR22 insurance as low as $9 or $15 per month. But when you call the company, you immediately notice they’re not disclosing the full story. They typically offer some explanation to justify the misleading rate.
What is a cheap rate for non owner SR22 insurance in Arizona?
An Arizona non owner insurance policy must include minimum liability coverage of 25/50/15:
- $25,000 bodily injury per person
- $50,000 bodily injury for 2 or more persons
- $15,000 property damage liability
Coverage can be increased upon request. The rate for standard non-owner insurance may indeed be “cheap.” But if you need to attach an SR22 certificate for license reinstatement, the rate will increase. Rates for cheap non owner SR22 insurance in Arizona can be $35/month or higher. Your premiums depend on factors such as your age, zip code, how long you’ve been driving, and your driving record.
How does non owner SR22 insurance work?
Your driver’s license can be suspended for several reasons. When this happens, you’ll need to buy SR22 insurance to continue driving legally. Common reasons for license suspension include:
- A DUI conviction
- Exceeding allowable points on your DMV record (too many traffic tickets)
- Lapse of child support
- A legal judgment
- Driving without insurance
The AAMVA Uniform Financial Responsibility Form (SR-22) is a document you must file with the state to reinstate a driver’s license. If you don’t own a vehicle, the SR-22 form is an endorsement to a non owner insurance policy. When you file an SR22 certificate, you agree to maintain the policy in good standing for a specific time (usually 3 years). Cheap non owner SR22 insurance in Arizona is high-risk insurance. Therefore, the insurance company that issues the policy monitors it to ensure compliance. If you miss a payment, you’re no longer covered, which breaks your agreement with the state. The insurance company must then notify the Arizona DMV, and your license is suspended immediately.
Non owner insurance without an SR22
Standard and SR22 non owner insurance cover one individual (the policyholder) when driving a borrowed vehicle. If you don’t own a car but occasionally drive a borrowed vehicle, non-owner insurance is a good idea for several reasons. It provides liability coverage when you drive a vehicle and shows proof of financial responsibility. That can help you get a lower insurance rate if you buy a vehicle by showing you’ve had continuous insurance coverage.
Need more information?
Check the Arizona DOT website for more details on insurance information and requirements and license suspension and revocation. These articles on our website have helpful information related to cheap non owner SR22 insurance in Arizona:
- Non Driver Insurance
- Cheap Non Owners SR22 Insurance
- Non Owner Insurance Coverage
- Non Owner SR22 Insurance Companies
- SR22 Non Owner Insurance
- How to get lower insurance rates
UltraCar Insurance finds you the lowest rate for cheap non owner SR22 insurance in Arizona. Click the quote button or speak with one of our friendly agents for affordable non owner insurance quotes today!
