Are you looking for the cheapest Texas non owner SR22 insurance after a license suspension? Usually, people who don’t own a vehicle will have a driver’s license for identification, employment, and to drive a borrowed car. When the state suspends your driver’s license, you’ll have to get non owner SR22 insurance to reinstate it. An insurance provider like UltraCar Insurance files the SR22 certificate with the state. The most common reason people purchase non owner SR22 insurance is to reinstate their license after a suspension. Suspension can happen if someone drives an uninsured vehicle, gets too many points on their record, or after a DUI/DWI conviction. Sometimes people have to carry SR22 insurance after a court order or legal judgment.
How much does the cheapest Texas non owner SR22 insurance cost?
Your non owner SR22 insurance rate depends on several factors like age, marital status, and credit history. Other factors include your driving record, where you live (an urban vs. rural area), and the reason for your license suspension. Getting Texas DUI insurance will cost more than SR22 insurance for having excessive traffic violations (points).
If you want to have insurance protection when driving someone else’s vehicle, you can buy a non owner insurance policy without an SR22. Investing in No Car SR22 Texas Insurance may reduce your insurance cost if you purchase a car in the future. Insurance companies like to see continuous insurance coverage that indicates financial responsibility.
What does non owner insurance cover?
Rather than insuring a vehicle, a named non owner insurance policy covers you when operating a car you don’t own. Cheapest Texas non owner SR22 insurance is liability-only coverage that meets the minimum coverage the state requires.
Non owner insurance coverage is secondary to the vehicle owner’s insurance. Don’t confuse non owners insurance with primary auto insurance. If an officer pulls you over while driving a borrowed vehicle, you must be able to show proof that the owner has insurance on it.
Non owner SR22 insurance does not cover:
- Comprehensive and collision coverage
- Towing or car rental reimbursement
- An owned vehicle titled in your name or a family member’s name
- Vehicles regularly available to you to drive
- Rental vehicles
- Vehicles used for business/commercial purposes
- Employment-related vehicles
UltraCar Insurance works with top insurance companies. This way we can provide the cheapest Texas non owner SR22 insurance options to meet your needs. Talk with one of our Texas-licensed insurance agents, or click the quote button for your Texas non owner SR22 insurance quote.
If you own a vehicle, you’ll need SR22 Insurance Texas.
This article was last updated on March 15th, 2020 by UltraCar Insurance