Non Owner SR22 Insurance Utah

When you're not a vehicle owner, get license reinstatement with non owner SR22 insurance Utah. Start a quote now.

Start Your Quote
Non Owner SR22 Insurance Utah

We're here to help when you need SR22 insurance and don't own a car.

Non owner SR22 insurance Utah is a certificate of financial responsibility. The certificate is endorsed to a non-owner insurance policy, and is required for license reinstatement. Non owner SR22 insurance is for people who don’t own a vehicle. Rather than insuring a vehicle, it insures only you when you drive a borrowed vehicle. It’s important to be aware of the coverage limitations of Utah non-owner SR22 policies.

Drivers without a vehicle need to purchase non owner SR22 insurance Utah to obtain a Utah limited license after suspension. The Utah Department of Public Safety requires you to purchase an SR22 certificate to reinstate your license, even if you don’t own a vehicle. A Utah non owner SR22 certificate is an endorsement to a non-owner insurance policy. The policy covers you when you drive a borrowed vehicle on an occasional basis.

How does non owner SR22 insurance Utah work?

An SR22 certificate is a guarantee of future financial responsibility. That is, it guarantees that you will maintain the minimum liability coverage required by the state during your license suspension (usually 3-5 years in Utah). It’s essential to maintain non owner SR22 insurance Utah without interruption. Therefore, the insurance company that issues your policy monitors it to ensure it remains in force during that time. If it lapses, the insurance company files an SR26 form with the Utah DPS, resulting in immediate suspension of your license.

Non owner SR22 insurance Utah is liability coverage that protects you against claims by another party. If you cause an accident while driving a borrowed car, it acts as secondary insurance. That is, it pays claims that exceed the vehicle owner’s insurance. Therefore, it’s vital that the owner of any vehicle you drive carries insurance on it.

Coverage limitations of non owner insurance

  • Non owner insurance is only for individuals who do not own a vehicle
  • It is liability only coverage – you can’t add comprehensive or collision coverage
  • A non owner policy will not cover vehicles in the policyholder’s household
  • It does not cover vehicles you can drive frequently
  • SR22 non owner insurance does not cover commercial, rental or employment-related vehicles
  • Non-owner SR22 insurance does not cover the damage to the vehicle, any passengers in your car or property damage

Utah license reinstatement information

Get details about obtaining a Utah regular limited license or a DUI-related limited license on the Utah DPS website.

NOTE: If you buy a vehicle while carrying non-owner SR22 insurance, do not cancel your non owner SR22 insurance Utah policy. That will result in the state suspending your license. To avoid a coverage lapse and another suspension, call your insurance provider to convert to an owner SR22 insurance Utah policy. It’s a wise to talk with your insurance provider before buying a car, as your payments will increase when endorsing the SR22 certificate to a vehicle.

When you’re looking for non owner insurance coverage, UItraCar Insurance makes it easy to get online rate quotes with the click of a button. Otherwise, please call to speak with one of our licensed agents today!

This article was last updated on May 21st, 2023 by