When licensed drivers don’t own a car, violations they commit while driving a borrowed car can result in license suspension. When this happens, they have to obtain non owner SR22 FR44 insurance to reinstate their driving privileges. As a condition for license reinstatement, states require non-vehicle owners to get a non-owner insurance policy with an SR22 or FR44 certificate attached. They file the certificate with the state DMV as the final step to restore their driving privileges.
Limitations and restrictions
There are coverage limitations and vehicle restrictions on non owner SR22 FR44 policies. Non-owner insurance provides liability-only coverage on one person – you, the policyholder. Coverage is for driving a non-owned vehicle on an occasional basis. Non-owner insurance policies do not cover:
- Operating household vehicles to which you have regular access.
- Driving rental, commercial, or employment-related vehicles.
- Insurance providers do not sell non-owner insurance as cheaper, alternative coverage for teen drivers in a household.
Non Owner SR22 Insurance
Most states require an SR22 non owner insurance certificate is required for license reinstatement by people who don’t own a vehicle. And in most states, an SR22 certificate is for non-alcohol-related and DUI offenses. UltraCar Insurance offers non owner SR22 insurance in 34 states.
- Alabama
- Arizona
- Arkansas
- California
- Colorado
- Florida
- Georgia
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Louisiana
- Maine
- Michigan
- Minnesota
- Mississippi
- Missouri
- Nebraska
- Nevada
- North Dakota
- Ohio
- Oregon
- Rhode Island
- South Carolina
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Wisconsin
- Wyoming
Non Owner FR44 Insurance
Florida and Virginia are the only two states that require an FR44 insurance certificate for alcohol or drug-related motor vehicle offenses. When you don’t own a car or other vehicle in Florida and Virginia, you’ll buy SR22 insurance to reinstate your license after a non-alcohol-related suspension. For DUI or DWI offenses, you’ll have to buy FR44 non owner insurance for license reinstatement.
Non Owners Insurance without SR22 FR44
You can purchase a non-owners insurance policy without an SR22 or FR44 attachment. Sometimes people who don’t own a vehicle buy non-owners insurance to be financially responsible. If you’re at fault in an accident while driving a borrowed car, it’s wise to have liability insurance coverage. Non-owner insurance coverage is not a substitute for the insurance a vehicle owner has; it supplements the insurance on the vehicle if needed. Carrying non-owner insurance also provides evidence of continuous coverage, demonstrating an individual’s financial responsibility.
In North Carolina, the state requires drivers to purchase North Carolina non owner insurance to obtain a new driver’s license.
More about non owner SR22 FR44 insurance
Get additional information related to non owner SR22 FR44 insurance on these pages:
- SR22 and Ignition Interlock
- Non owner SR22 insurance companies
- Cheap Non Owners SR22 Insurance
- What is non owners SR22 insurance?
- I have no car but need SR22 insurance
- SR22 insurance quotes without vehicle
- Non driver insurance
- What is a non owner policy?
- Cross-State SR22 Insurance
- Virginia Non Owners Insurance
- Florida Non Owner FR44
- What happens to my FR44 if I move out of state?
- What’s the difference between SR22 and FR44 insurance?
- Late SR22 payments during the pandemic
UltraCar Insurance specializes in high-risk insurance policies and certificate filings. Our agents are licensed in 34 states and are thoroughly knowledgeable of each state’s insurance requirements. Click to start a non owner SR22 FR44 insurance quote, or call us today!
This article was last updated on December 2nd, 2022 by UltraCar Insurance
