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.

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.

Our agents explain the difference between SR22 owner and non-owner insurance.

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.

Our agents file your SR22 certificate with your state DMV office.

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’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 include information about motor vehicle laws, regulations, license suspension, reinstatement procedures, and forms.

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
http://www.dds.ga.gov/

Idaho DMV
http://itd.idaho.gov/itddmv/

Illinois DMV
https://www.cyberdriveillinois.com/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.org/dovindex.html

Louisiana OMV
https://www.expresslane.org/drivers/#gsc.tab=0

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
http://dmvnv.com/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/index.aspx

Oregon DMV
https://www.oregon.gov/ODOT/DMV/pages/driverid/index.aspx

Rhode Island DMV
http://www.dmv.ri.gov/adjudication/

South Carolina DMV
http://www.scdmvonline.com/Driver-Services/Reinstatement

Tennessee DMV
https://www.tn.gov/safety/driver-services/online.html

Texas DMV
http://www.dps.texas.gov/driverlicense/

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).

Non Owner SR22 vs SR22 Insurance
What’s the difference between SR22 and FR44 insurance?

Give us a call if you have any questions about SR22 or FR44 high risk insurance in the states we offer SR22. Our licensed agents are ready to provide competitive quotes and quick filing of your certificate.

Let an agent show you how to apply for SR22 insurance.

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. Drivers with repeat or severe traffic offenses have a higher chance of committing additional infractions. Therefore, insurance companies charge higher rates to limit the risk of insuring them.

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!

Talk with an agent for SR22 insurance quotes without a vehicle

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.

Get back behind the wheel with cheap non owners SR22 insurance.

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

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.