What is cheap non owner SR22 insurance California? Non owner SR22 is a high risk insurance certificate that you file for California license reinstatement if you don’t own a vehicle. “Cheap non owner SR22 insurance” is a term that defines a value for a reasonably priced non owner SR22 insurance policy. But that term is used and misused by many insurance companies as an advertising gimmick. A vivid example of this is to search for “cheap non owner SR22 insurance” in the search bar, and you’ll notice some companies that advertise “cheap non owner SR22 insurance as low as $15”. We challenge you to call each one of them, and you will notice instantly that the ads are misleading, if not totally false.
How does non owner SR22 insurance work?
An SR22 certificate is not just a piece of paper that can be written as an SR22 and sold for $15 dollars or less. In fact, the SR22 does not exist on its own. An SR22 is a financial responsibility form that can be endorsed to an existing auto insurance policy if you own a car. When you don’t own a car the SR22 certificate is endorsed to a non owner insurance policy.
California non owner SR22 insurance covers you with liability-only insurance when you drive vehicle not owned by someone in your household. One restriction of non owner insurance is that you only drive on an occasional basis. If you drive a particular vehicle on a regular basis or have permanent access to it, you should be added as a driver to that vehicle owner’s auto insurance policy.
What’s the cost of cheap non owner SR22 insurance California?
The following factors play a major role in your non owner SR22 insurance rate:
- Your age
- Number of violations (points) on your driving record within the past 3 years
- The area of the state where you live
The average cost of cheap non owner SR22 insurance California for someone 25 years or older would be $35-$55 per month if they live in a rural area. The premiums can be much higher than this if you live in a major city. The same driver with a few infractions can expect their premium to increase by an average of 25%-50%. Therefore, it is impossible to guess the exact cost without knowing all the facts about a particular driver. There is no single “cheapest” SR22 insurance rate that will apply to every person.
Find details about financial responsibility insurance on the California DMV Website.
More about cheap non owner SR22 insurance California
Check the following pages on our website for information about California non owner SR22 insurance:
- Non Owner SR22
- California Non Owner SR22 Insurance
- California High Risk Auto Insurance
- SR22 Insurance Costs
- Non Owner SR22 vs SR22 Insurance
Any person who operates a non-owned vehicle can face suspension of their driver’s license for any number of reasons. This will require you to obtain a non owner SR22 filing to reinstate driving privileges. UltraCar Insurance will help you find a cheap non owner SR22 insurance California policy that fits your budget and needs. Call us today for no-obligation quotes, with no filing fees!
This article was last updated on April 6th, 2023 by UltraCar Insurance