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.
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 certificate of financial responsibility that can be written as an endorsement (attachment) to an existing auto insurance policy if you own a car, or as a certificate of responsibility endorsed to a non owner insurance policy if you do not own a car.
Some of the factors that determine the cost of non owner SR22 insurance are your age, number of violations you’ve accumulated within the past 3 years and the area of the state where you live. All of these will play a major role in determining the cost. The average cost of cheap non owner SR22 insurance California for a driver 25 years of age or older would be between $35-$55 per month if you live in a rural area, and it can be much higher if you live in a major city. The same driver with a few infractions can expect the 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.
California non owner SR22 insurance covers liability only on any any non-owned vehicles outside your household that are driven on an occasional basis. If you drive a particular vehicle on a regular basis or have permanent access to it, you need to be added as a driver to the owner’s auto insurance policy.
Detailed information can be found at the California DMV Website.
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Any person who operates a non owned vehicle can face drivers license suspension 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, regardless of your situation, to find a cheap non owner SR22 insurance California policy that fits your budget and needs. Call us today for a free quote!