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SR22 insurance without a license

You can get SR22 without a license if you've never gotten a license or have one that's suspended. Start an SR22 quote now or call today.

SR22 insurance without a license


SR22 insurance without a license is for people who get a ticket for driving without a license. It’s also for people who never had a license and were caught driving. For those who do have a license, SR22 is for reinstating their driving privileges after a suspension. When you don’t have a valid valid driver’s license, the DMV records any traffic violations you commit to a specific ID number. The information on this record then transfers to your driver’s license if you get one in the future.

Can you get SR22 insurance without a valid license? Yes. You can file an SR22 form with the state DMV if you have a suspended license or no license.

How do I get SR22 without a license?

If you have no driver’s license, the DMV assigns an ID number to any motor vehicle violations you commit. The information from this ID number will transfer to a valid driver’s license. The violation(s) remain on your record for 3-5 years. Using a DMV-issued ID or temporarily assigned number, we can verify your information by running a motor vehicle report (MVR). Sometimes we can’t verify data through an MVR due to an incorrect ID number, case number, last name, or birth date. If we try to file your certificate with inaccurate information, you cannot get SR22 without a license.

Finding a company to get SR22 insurance without a license can sometimes be challenging. Not all insurance companies can endorse (attach) an SR22 certificate to a policy when you don’t have a valid license. Many standard/preferred insurance companies will not take on this risk. If they do, you’ll probably pay a substantial premium. You can get a better outcome with assistance from a high-risk insurance provider like UltraCar Insurance.

What if I have a driver’s license but not a car?

If you don’t own a vehicle, you can get non-owner insurance coverage, which endorses an SR22 certificate to a non-owner insurance policy. The DMV can also assign a designated number or a case number to which the SR22 is attached.

Rates for SR22 insurance without a license

When determining your rate, insurance companies consider the conviction date, not the date of the violation. For example:

  • What if your offense occurred three years ago, but your conviction was this year? In that case, the insurance company bases your rate as if you got the ticket this year. Then the violation stays on your record for the next three years. Your rate will change once the infraction drops off, but only at renewal. In other words, your six or twelve-month rate won’t change during the policy period.
  • If someone not yet eligible for a driver’s license gets caught driving, what happens? They’ll lose their driving privileges for a long time, right from the start. When they get SR22 without a license, the ticket impacts their rate, remains on their record, and transfers to their driver’s license once they get one.

Other requirements for getting SR22 insurance

To get a valid driver’s license or reinstate your suspended license, you’ll have to complete specific requirements. Before getting SR22 insurance, you may have to:

  • Enroll in a state-run driver safety program
  • Pay a reinstatement fee
  • Participate in community service

Every situation is usually unique in some way.

Call UltraCar Insurance when you need SR22 insurance without license. Get a free, no-obligation SR22 quote from one of our friendly agents. Call today and get the lowest rate for your particular needs!

A judge may direct you to obtain court ordered SR22 insurance at your hearing when you have a major traffic-related conviction. SR22 insurance, when court ordered, is also known as a mandatory insurance certificate. (more…)

You’ll need cross-state SR22 insurance if you have an active SR22 filing in your current state and relocate to another state. Did you know that an SR22 insurance obligation stays in effect, even when you move out of state? (more…)

The winter months are once again upon us! We hope these tips and suggestions for avoiding accidents in winter weather will come to mind when you need them. (more…)

If you have an active SR22 and move to another state, you’ll need to get an out of state SR22 filing to be able to drive in your new state. Some states don’t have an SR22 program, but every state honors this requirement. (more…)

Do you anticipate having late SR22 payments during the pandemic? The economic measures states have taken to slow the pandemic’s spread has financially impacted millions of people. Many of us are having difficulty paying bills and keeping insurance payments up to date. When you have SR22 or FR44 insurance, it’s even more important to stay current with your payments to avoid policy cancellation and license suspension.


When you have to buy high risk insurance for license reinstatement, what can you do to get cheap affordable SR22 insurance? Three ways to get lower SR22 insurance premiums are to have years of driving experience, practicing defensive driving and having a good driving record. If you’re usually this type of driver, UltraCar Insurance can help you get lower insurance rates.

Ways to get cheap affordable SR22 insurance, before you need it:

  • Take advantage of an insurance discount by having continuous coverage without any lapse for a period of 1-5 years, whether you own a vehicle or not.
  • Keep a clean driving record. Any traffic moving violation tickets within a 3-5 year period can impact your rate.
  • Own a home or a condo.
  • If you don’t own a vehicle, obtaining non owners insurance (with or without an SR22 filing) will provide additional protection to you in case of an accident while driving another person’s vehicle. Additionally, being insured before you own a car indicates financial responsibility, and can save you money on auto insurance if you do buy a car.

Vehicle safety features and insurance rates

Do safety devices on newer vehicles help you get cheap affordable SR22 insurance? It seems logical, but the answer to this question is yes – and no.

New safety technology like rear view cameras, airbags, anti-theft devices and blind spot detection systems make newer model cars safer, reducing the chance of accidents. Some new safety devices can even be installed on older models, which can benefit younger drivers who often drive older vehicles.

Insurance companies usually provide discounted rates on vehicles that have safety equipment installed. But the cost to repair and replace these parts increases. Generic replacement parts that are usually cheaper won’t be available for many years to come. If an accident happens before generic parts are available, that increases the cost of repairs.

It takes several years before before new vehicle technologies transfer to less expensive, mid-rage vehicles. When that happens it results in safer vehicles throughout the economic spectrum. This in turn leads to cheaper rates overall for all types of auto insurance.

More about cheap affordable SR22 insurance

A number of standard auto insurance companies don’t offer SR22 insurance. Even if they do, an additional fee for the filing may be added to your monthly premium. UltraCar Insurance specializes in providing cheap affordable SR22 insurance rates – without additional premium fees.

You can get SR22 insurance if you own a vehicle or if not. If you don’t own a car but need an SR22 filing for license reinstatement, you can purchase cheap non owners SR22 insurance. Click the quote button or talk with one of our agents to discuss your SR22 insurance needs.

Using a cell phone or other electronic device while driving has led to an increase in distracted driving accidents nationwide. Cell phones have become an indispensable part of our lives. But studies have shown that any use of a cell phone to read, write or send messages while operating a vehicle is six times more dangerous than drunk driving. (more…)

Your license has been suspended, and you have no car but need SR22 insurance. The DMV tells you that you’ll have to pay a reinstatement fee and file an SR22 certificate to reinstate it. You’ve called a few companies. But since you don’t have a car and/or a valid driver’s license they can’t issue a non owner policy with an SR22. (more…)

The main difference between non owner SR22 vs SR22 insurance: SR22 non owner insurance is for people who don’t own a vehicle, SR22 insurance is for vehicle owners. (more…)


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