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Cheapest Florida Non Owner SR22 Insurance

Count on us to find the cheapest Florida non owner SR22 insurance rate for you. Talk with an agent or click to start a quote!

Cheapest Florida Non Owner SR22 Insurance

Last updated on March 18th, 2020 by

When you’re looking for the cheapest Florida non owner SR22 insurance possible, there are quite a few factors that will determine your rate. However, if you don’t own a car your SR22 rate will be less than if you had to insure a vehicle. Non owner SR22 insurance covers you, not a particular car. So some of the vehicle-related factors that determine your rate are eliminated.

UltraCar Insurance will help you find the cheapest Florida non owner SR22 insurance for your needs. Your rate for Florida non owner SR22 insurance depends on the reason for your SR22 requirement, among other factors like:

  • Age
  • Gender
  • Marital status
  • Where you live
  • Your credit history
  • Driving record

How do I get the cheapest Florida non owner SR22 insurance rate?

UltraCar Insurance works with several top insurance companies to help you get the cheapest Florida non owner SR22 insurance rate possible. Getting an affordable price for SR22 insurance doesn’t mean you should expect substandard service. Our Florida licensed agents provide superior service and are highly experienced in filing non owner SR22 and Florida non owner FR44 insurance in the state.

What is cheapest Florida non owner SR22 insurance?

Florida non owner SR22 insurance is a license reinstatement certificate specifically for individuals who don’t own a car. The state requires it to reinstate your driving privileges after a license suspension. SR22 non owner insurance is almost always less expensive, since you’re not insuring a vehicle. Instead, it covers you when you drive a non-owned vehicle.

Common reasons people need the cheapest Florida non owner SR22 insurance include:

  • Excessive traffic violations
  • DUI convictions
  • Uninsured accidents
  • Poor credit history
  • A court order involving child support or other matters

What is non owner insurance, and how does it work?

Florida non owner SR22 insurance provides limited liability coverage not tied to a specific vehicle. If you drive a borrowed car and cause an accident, this insurance covers claims that exceed the vehicle owner’s insurance coverage. Non owner insurance coverage does not take the place of the vehicle owner’s insurance. It may not pay claims if the owner does not insure the vehicle. Therefore, it’s essential to verify that the owner has minimum liability coverage on it before you drive. It’s best if the owner keeps a copy of their insurance card in the vehicle.

Your SR22 insurance provider will write a non owner insurance policy if you don’t already have one. The SR22 certificate is an endorsement to this policy. SR22 is also called a financial responsibility form. That’s because the SR22 is a guarantee of insurance coverage when you operate a non-owned vehicle. Your insurance provider files the document with the Florida DHSMV. The insurance underwriter monitors your SR22 policy to make sure it doesn’t lapse while the state requires you to carry it.

More resources

Detailed information about Florida license suspensions and license reinstatement is available on the Florida DHSMV website. Refer to these related articles on our website:

Get a low Florida non owner SR22 rate! Talk with one of our friendly UltraCar Insurance agents or click the quote button now!

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