The Basics of Non-Owner SR-22 Insurance

If you have a suspended license, non-owner SR-22 insurance helps you reinstate it if you don't own a car. Call us for a quote today!

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An Oregon driver with SR-22 insurance.

Yes - you can get Oregon SR-22 insurance, even without a car.

Some people know non-owner SR-22 insurance as “No Car insurance” or “SR-22 without a car”. The state requires you to buy SR-22 insurance and maintain it for several years if you want to reinstate your driver’s license without insuring a vehicle.

People become acquainted with Oregon non-owner SR-22 insurance when they want to reinstate their suspended driver’s license but don’t own a vehicle.

What Is Non-Owner SR-22 Insurance In Oregon?

This high-risk insurance lets you restore your driving privileges to operate a borrowed vehicle occasionally. There are specific limitations to this type of insurance.

What are some of the reasons drivers have their licenses suspended? The most common causes include the following:

  • Driving without liability insurance (even if you’re driving a borrowed vehicle).
  • Getting multiple traffic tickets.
  • Driving under the influence of drugs or alcohol.
  • Legal judgments.

Here’s how it works: To reinstate your license, you’ll work with a high-risk insurance provider to write a non-owner insurance policy and attach an SR-22 certificate. Then they’ll file the certificate with the Oregon Department of Motor Vehicles (DMV) as proof of financial responsibility. The DMV will then reinstate your license.

The insurance company that issues your policy monitors it for a specific time to ensure it doesn’t expire. If it lapses or you cancel it during that time, the insurance company submits an SR-26 form, notifying the state of noncompliance with the financial responsibility requirement. No insurance coverage means the state will suspend your license again.

Driving recklessly in Oregon

How Much Does It Cost?

Non-owner SR-22 insurance typically costs less than high-risk auto insurance, which insures a vehicle. The yearly cost is variable because individual factors and the circumstances of the license suspension determine rates. For instance, having a DUI conviction will increase your rate more than having multiple traffic violations.

Considering such variables, the average yearly cost for non-owner SR-22 insurance in Oregon is $525. If the policyholder has a DUI or other serious violation, the average annual premium jumps to $759. A few insurance providers may charge a fee to file a non-owner SR-22 insurance certificate on their client’s behalf. UltraCar Insurance does not charge any filing fees.

It’s a good idea to inquire about discounts that non-owner SR-22 insurance companies in Oregon may offer. Drivers can sometimes get lower premiums depending on factors like:

  • The year and model of the car they usually drive
  • Their driving history before their license suspension
  • If they’ve taken a defensive driving program
  • Their grade point average

Compare quotes from several providers to obtain the best possible pricing.

 driving a friend's car

What Does Oregon Non-Owner SR-22 Insurance Cover?

Some people mistakenly think that a non-owner SR-22 insurance policy provides comprehensive coverage when they drive a borrowed vehicle. In reality, non-owner car insurance is extra protection against claims of the other party if you borrow a car and cause an accident. The vehicle owner’s insurance coverage takes precedence, but if accident claims exceed that coverage, your secondary non-owner insurance kicks in.

All non-owner SR-22 insurance policies must include this minimum liability coverage:

  • Bodily injury: $25,000 / $50,000
  • Property damage: $20,000
  • Uninsured motorist bodily injury: $25,000 / $50,000
  • Personal Injury Protection (PIP): $250 deductible

What Does It Not Cover?

Non-owner insurance coverage is limited, is secondary to the vehicle owner’s insurance policy, and does not cover damage to the car you’re driving or injury to yourself or your passengers. There are quite a few limitations and exclusions of which to be aware.

For example, non-owner SR-22 insurance does not include the following:

  • Comprehensive or collision coverage (since it doesn’t insure a specific vehicle)
  • Coverage to drive rental, commercial, employer, household, or frequently-driven vehicles
  • Towing charges
  • Coverage for teen drivers in your home as a cheaper alternative to auto insurance

Oregon drivers

Now that you’ve got a basic understanding of what non-owner SR-22 insurance in Oregon is and is not, the next step is to find a reliable high-risk insurance provider!

UltraCar Insurance is a leading long-term provider of SR-22 insurance in Oregon and non-owner SR-22 insurance in Oregon.  Our team of experienced insurance agents has helped thousands of drivers regain their driving privileges. Contact us  today for a fast quote and low rate with no filing fees!