There are notable differences between non-owner and SR-22 auto insurance coverage. Both insurance certificates serve the same purpose: helping drivers with suspended licenses get license reinstatement. However, the primary difference between them is that a non-owner SR-22 certificate is for drivers who don’t own a vehicle.
Let’s assume you occasionally borrow a friend’s car if necessary, but have a recent license suspension after multiple traffic violations. To be able to drive her vehicle legally again, you’ll need to file a non-owners SR-22 certificate to reinstate your license.