Suppose the state suspended your license, and you have no car but need SR22 insurance. The DMV says you’ll have to pay a reinstatement fee and file an SR22 certificate to reinstate it. You’ve called a few companies, but since you don’t have a car and/or a valid driver’s license, they can’t issue a non-owner policy with an SR22. What can you do now? First, you need to understand why you’re required to carry SR-22 insurance, what an SR-22 is, and how it works.
What is SR22 insurance?
People who have no car but need SR22 insurance have had their licenses suspended after one or more traffic violations. Some common reasons for license suspension are:
- Driving without insurance
- Unpaid tickets
- A DUI/DWI conviction
- An accident
- Driving with a suspended license
When you have a driver’s license suspension, insurance companies consider you to be a high-risk driver. If you own no car but need SR22 insurance, you’ll need to find a licensed insurance agent to issue a non-owner policy and attach a financial responsibility form. This form/certificate is also known as an AAMVA Uniform Financial Responsibility Form. The non-owner insurance policy must meet your state’s minimum liability coverage requirements.
After your insurance provider files the SR22 form with the state, the insurance company that issued your policy monitors it while the SR22 requirement is in effect (usually 3 years). The policy associated with the SR22 form must not lapse at any time during that period. If coverage lapses, your insurance provider immediately notifies the DMV by filing a form SR-26. When the DMV receives the SR-26 form, it will suspend your license once again.
UltraCar Insurance agents are licensed in 34 states, and can help if you have no car but need SR22 insurance (non owner SR22 insurance).
Can I really get cheap non-owner SR22 insurance for $19.00?
No. You’ll often find that non owner SR22 insurance companies offering prices like this are indeed the most expensive. It’s just a dishonest tactic to get you to call them.
If I have no car but need SR22, how much will it cost?
The cost of no-car SR22 insurance depends on several things:
- Your age
- Driving record
- General area where you live
- Credit history
In general, a non-owner SR-22 is cheaper than a standard auto insurance policy, and some states allow you to have them separately.
Can I pay all three years of non-owner SR22 coverage up front?
No. Most SR22 policies come in six or twelve-month increments. You always save the most by paying in full. This way, the chance of your policy lapsing for non-payment of the premium is reduced.
If I have non-owner insurance, can I drive a car that isn’t insured?
Definitely not. Non-owner insurance coverage does not allow you to drive an uninsured vehicle. Any car you drive must have current insurance coverage. It’s your responsibility to confirm the insurance status of any vehicle you intend to drive.
If you own no car but need SR22 insurance, talk with one of our licensed UltraCar Insurance agents. Call for a no-obligation consultation and a quick non-owner SR22 quote. Or, click to start an online quote now.
