What to Consider When Getting Non-Owner Insurance Quotes

Need some helpful tips for getting non-owner SR-22 insurance quotes? Read this article, then call us for a no-obligation quote today.

Start Your Quote
A person driving a borrowed car

Get an affordable low rate on SR-22 insurance without a car.

For a variety of reasons, there are licensed drivers in Virginia who don’t own a vehicle. These drivers occasionally borrow a car from a friend or family member, and sometimes commit a traffic violation that results in suspension of their license. These high-risk drivers will need non-owner SR-22 insurance to reinstate their license.

Statistics show there are about 290.8 million registered vehicles in the United States. This figure means there were about 868 vehicles per 1,000 people. Still, there are people who don’t own a vehicle for a variety of reasons, and occasionally borrow a friend’s car if needed. People who drive vehicles they don’t own may need to get non-owner insurance quotes if they have a poor driving record that leads to a license suspension. This blog post discusses non-owner SR-22 insurance in detail.

What is Non-Owner SR-22 Insurance and When Do I Need It?

Non-owner SR-22 insurance has the same purpose as SR-22 auto insurance: The state requires them when a person wants to reinstate their suspended license. There are a couple of differences, however.

Non-owner SR-22 insurance is for licensed drivers without a car, so it does not insure a vehicle. Non-owner insurance coverage also has limitations and exclusions that SR-22 auto insurance does not. Non-owner SR-22 insurance covers only the policyholder when they operate a borrowed car. It is secondary insurance coverage, meaning it only pays claims that exceed a vehicle owner’s primary auto insurance coverage.

You’ll want to get non-owner SR-22 insurance to reinstate your license after suspension and if you drive a borrowed car. Your state might require you to have non-owner SR-22 insurance for some of the following reasons:

  • Driving without insurance
  • Accumulating excessive demerit points
  • Refusing a DUI test
  • Driving under the influence (Virginia requires non-owner FR-44 insurance after a DUI suspension)
  • Dangerous driving
  • Not paying child support

Getting A Non-Owner Car Insurance Quote

Here are some things to look for when getting non-owner SR-22 insurance quotes:

Filing Fees

Some insurance providers will require you to pay a filing fee for non-owner SR-22 insurance. It’s worth noting that these insurance providers have to disclose filing fees before you accept their services. Most insurance providers charge between $15 to $50 for filing non-owner SR-22 insurance policies.

Assistance with Cross-State Insurance Filings

Americans move frequently. Moving while having SR-22 insurance can make matters more complicated. For instance, many insurance providers cannot assist you with cross-state filings because they’re not licensed to provide SR-22 insurance in other states. On the other hand, UltraCar Insurance excels in helping clients with non-owner cross-state SR-22 insurance filings. We provide SR-22 insurance in 34 states.

How to Get the Best Insurance Quote

Getting the best insurance quote can be challenging. Here’s how to get the best non-owner SR-22 insurance quote:

Check the Provider’s Reputation

It’s crucial to check the insurance provider’s reputation when getting an insurance quote. The internet is your friend when assessing a provider’s reputation. Ensure that you check testimonials and online reviews.

UltraCar Insurance is a family-owned insurance provider operating out of the St. Louis metro area. We’ve helped clients get Virginia SR-22 and FR-44 insurance certificates for over a decade, allowing them to get their licenses reinstated following suspension.


Of course, you want to check providers’ rates/pricing when shopping for non-owner insurance quotes. Everyone wants to get the best possible price. As mentioned earlier, some companies will charge you a filing fee for non-owner SR-22 insurance, but not UltraCar Insurance. We’re your go-to option for low Virginia SR-22 and FR-44 insurance rates.

Compare Quotes

Compare the quotes and coverage from different insurance providers before selecting one. Doing so will ensure you get the best possible insurance for your needs.

A woman driving a rental car

Get the Best Non-Owner Insurance Quote from UltraCar Insurance

Whether you seek auto or non-owner SR-22 or FR-44 insurance, you can rely on our experience and friendly service. We’re a family-owned insurance provider in the St.Louis metro area with over a decade of experience helping clients get the necessary insurance for license reinstatement. Check out our website for more information. Alternatively, start an online quote, call us, or contact us to learn more!

This article was last updated on May 29th, 2023 by