Broad form vehicle insurance
In some states, you can buy broad form vehicle insurance. This type of insurance covers one named-operator policyholder only. You can purchase it whether you own a vehicle or not. Broad form insurance is a cheaper way to file an SR22 certificate, but it has severe limitations. If you don’t own a car, the policy covers you when you drive a borrowed vehicle. If you own a car, it covers you when driving any vehicles you own.
In several states, you can purchase broad form vehicle insurance as a way to file an SR22 certificate for license reinstatement. Broad form insurance covers a single policyholder, rather than insuring a particular vehicle.