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.
I have no car but need SR22 insurance
When you have no car but need SR22 insurance, you’ll file a non owner SR22 certificate for license reinstatement. Because there is no vehicle to be insured, non-owner SR22 insurance is cheaper than SR22 insurance with a vehicle. However, your cost for non owner insurance still depends on factors that vary from person to person.
Non Owner SR22 vs SR22 Insurance
When do you need non-owner SR22 vs SR22 insurance? It depends on whether you own a vehicle or not. There are differences in coverage between each type of SR22. Non-owner SR22 does not insure a vehicle, while SR22 insurance is an endorsement to an auto insurance policy. The most common reason to buy SR22 insurance is to reinstate your driver’s license.
What’s the difference between non owner SR22 vs SR22 insurance? You’ll use SR22 insurance if you own a vehicle, and SR22 non owner insurance if you don’t.
State DMV Offices List
The list below includes links to the websites of 34 state DMV offices. These are the states where UltraCar Insurance is licensed to sell high-risk insurance. When you need SR22 or FR44 insurance, getting accurate information is essential. You can learn about the license suspension and reinstatement procedures in your state on these official websites. In many cases, you can also find information about your state DMV record, state’s motor vehicle laws, regulations, and other resources.
Are you wondering where to turn to start the process of driver’s license reinstatement? Our alphabetical list of links to state DMV offices is a starting point for you. Once you’re on your state’s DMV website, follow internal links or enter a search for the information you want. These sites usually provide information about:
- Motor vehicle laws & regulations
- License suspension & reinstatement procedures
- State motor vehicle forms
- How to obtain information about your DMV record
The function of most state DMV offices is to record vehicle registration and titles and issue driver permits, licenses, and license plate renewals. Some states use names and acronyms other than “Department of Motor Vehicles / DMV”. However, DMV is the most recognized term used to find motor vehicle and licensing information.
Most state DMV offices‘ websites contain helpful information about license suspension and reinstatement procedures. The knowledgeable agents of UltraCar Insurance are also a great resource to answer your questions. We’re licensed to provide SR22 insurance in 34 states, and we offer Florida FR44, Virginia FR44, and motorcycle insurance. You can get an owner certificate if you own a vehicle, or a non-owner certificate if you don’t. Call us today or click the quote button for an SR22 or FR44 insurance quote and quick filing of your financial responsibility form!
Alabama ALEA & DOR
https://www.alea.gov/dps/driver-license
https://revenue.alabama.gov/motor-vehicle/
Arizona DOT
https://azdot.gov/motor-vehicles/driver-services
Arkansas DFA
https://www.dfa.arkansas.gov/driver-services
California DMV
https://www.dmv.ca.gov/portal
Colorado DOR
https://dmv.colorado.gov/drivers
Florida HSMV
https://www.flhsmv.gov/
Georgia DMV
https://www.dds.ga.gov/
Idaho DMV
http://itd.idaho.gov/itddmv/
Illinois DMV
https://www.ilsos.gov/departments/drivers/drivers_license/home.html
Indiana BMV
https://www.in.gov/bmv/
Iowa DOT
https://iowadot.gov/DriversVehicles#LicensedDrivers
Kansas DOV
https://www.ksrevenue.gov/dovindex.html
Louisiana OMV
https://www.expresslane.org/drivers/#gsc.tab=0
Massachusetts RMV
https://www.mass.gov/orgs/massachusetts-registry-of-motor-vehicles
Maine BMV
http://www.maine.gov/sos/bmv/licenses/
Michigan DMV
http://www.michigan.gov/sos/0,4670,7-127-1627_8669_9040_9042_47086—,00.html
Minnesota DMV
https://dps.mn.gov/divisions/dvs/Pages/drivers-license-information.aspx
Missouri DMV
http://dor.mo.gov/drivers/
Mississippi DMV
https://www.driverservicebureau.dps.ms.gov/
Nebraska DMV
http://www.dmv.nebraska.gov/examining
Nevada DMV
https://dmv.nv.gov/nvdl.htm
North Carolina DMV
https://www.ncdot.gov/dmv/driver/
North Dakota DMV
https://www.dot.nd.gov/divisions/driverslicense/recordservices-suspensions.htm
Ohio BMV
https://www.bmv.ohio.gov/driver-license.aspx
Oregon DMV
https://www.oregon.gov/ODOT/DMV/pages/driverid/index.aspx
Rhode Island DMV
https://dmv.ri.gov/
South Carolina DMV
http://www.scdmvonline.com/Driver-Services
Tennessee DMV
https://www.tn.gov/safety/driver-services/online.html
Texas DPS
https://www.dps.texas.gov/section/driver-license/
Utah DPS
https://dld.utah.gov/other-resources
Vermont DMV
http://dmv.vermont.gov/licenses
Virginia DMV
https://www.dmv.virginia.gov/drivers/
Washington DOL
http://www.dol.wa.gov/driverslicense/
Wisconsin DMV
http://wisconsindot.gov/Pages/dmv/license-drvs/how-to-apply/get-lic-or-id.aspx
Wyoming DOT
http://www.dot.state.wy.us/home/driver_license_records/new_licenses.default.html
States we offer SR22
The states we offer SR22 insurance are listed below, and we file FR44 insurance certificates for DUI offenses in Florida and Virginia. You will need to file an SR22 insurance certificate to reinstate your driver’s license. We’ll find you the cheapest SR22 or FR44 insurance rate for your needs. If you don’t own a vehicle, we write non owner SR22 and FR44 insurance policies in these states (non owner FR44 in Florida and Virginia only).
How to Apply
How to apply for SR22 / FR44 or SR50 insurance, motorcycle insurance, commercial auto insurance or general liability insurance is easy! Just click on the START YOUR QUOTE button above, complete a small amount of information and select the insurance you need.
How SR22 insurance costs are determined
Determining someone’s SR22 insurance costs involves factors that vary from person to person. Therefore, insurance providers can’t quote a single “lowest” SR22 insurance rate for everyone. Insurance underwriters consider each person’s years of driving experience, credit history, place of residence, age, and driving record in determining their SR22 rate.
SR22 insurance costs are generally higher than standard auto insurance because SR22 insurance is considered high risk insurance. People with a record of motor vehicle violations will have higher SR22 insurance rates.
Non owner SR22 insurance companies
There are many non owner SR22 insurance companies to choose from online. Make sure to work with an insurance provider with agents licensed in your state. It’s helpful to know how insurance providers determine SR22 insurance quotes, so you’ll get the best possible SR22 insurance rate and policy.
Finding non owner SR22 insurance companies to advise you and file your SR22 certificate can be a frustrating task. UltraCar Insurance is a long-standing and reliable insurance provider with each of our agents licensed in the states we offer SR22 insurance. We make it easy to file your SR22 certificate!
SR22 insurance quotes without a vehicle
When you need SR22 insurance quotes without a vehicle, you need a non-owner insurance policy with an SR22 endorsement. People usually buy non owner SR22 insurance to reinstate their driver’s license. An SR22 certificate provides secondary liability insurance coverage on you when you drive a borrowed vehicle on a limited basis.
Do you need SR22 insurance, but don’t own a car? UltraCar Insurance provides you with fast SR22 insurance quotes without a vehicle. This type of insurance is called non owner SR22 insurance. You’ll need to file a non owner SR22 certificate with the DMV before you can reinstate your license.
Cheap non owners SR22 insurance
Finding cheap non owners SR22 insurance is a priority when you want to reinstate your license. When you don’t own a car, you’ll need to file a non owner SR22 certificate with the DMV. This document is attached to a non-owner insurance policy with state-required minimum liability insurance coverage. As long as you maintain the SR22 policy for a specific time, you can drive a borrowed vehicle on a limited basis.
When you need to buy cheap non owners SR22 insurance, let an experienced UltraCar Insurance agent guide you through the process. We provide quotes from top insurance companies, allowing you to choose the best rate, policy, and coverage for your needs.
Broad form vehicle insurance
In some states, you can buy broad form vehicle insurance. This type of insurance covers one named-operator policyholder only. You can purchase it whether you own a vehicle or not. Broad form insurance is a cheaper way to file an SR22 certificate, but it has severe limitations. If you don’t own a car, the policy covers you when you drive a borrowed vehicle. If you own a car, it covers you when driving any vehicles you own.
In several states, you can purchase broad form vehicle insurance as a way to file an SR22 certificate for license reinstatement. Broad form insurance covers a single policyholder, rather than insuring a particular vehicle.
