Virginia Non Owners Insurance

You can get Virginia non owners insurance with or without an SR22 or FR44 filing. Talk with our licensed agents for a quote!

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Virginia Non Owners Insurance

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Virginia non owners insurance is high-risk insurance for people who have a suspended license but don’t own a vehicle. You must buy a non-owner insurance policy with an SR22 attachment to reinstate your driver’s license. An SR22 policy provides liability coverage if you cause an accident when driving a borrowed vehicle.

A motor vehicle violation or legal judgment in Virginia can result in driver’s license suspension. When you don’t own a vehicle, you’ll need Virginia non owners insurance with an SR22 or FR44 filing to reinstate your driving privileges.

Reasons for license suspension

Typical reasons for license suspension include:

  • Accumulating too many points on your driving record
  • Driving without valid auto liability insurance
  • Not complying with a legal judgment (non-payment of fines, child support, or other legal matters)
  • Violating Virginia DUI laws (you will need a Non Owner FR44 Virginia filing)

When you don’t own a car, the state can suspend your license for driving without insurance or driving an uninsured borrowed vehicle.

Why do I need Virginia non owners insurance?

People who don’t own a vehicle still have a driver’s license for various reasons. When you have no car but need SR22 insurance, it may seem strange to carry auto insurance. We can explain this by describing the difference between non owner SR22 vs SR22 insurance.

SR22 insurance Virginia is a financial responsibility form a vehicle owner must file with the Virginia DMV. This filing allows the driver to operate a vehicle after a license suspension. This type of SR22 is called an owner’s certificate, which is an endorsement to an auto insurance policy.

To reinstate your driver’s license when you don’t own a vehicle, you’ll file a Virginia non owners insurance certificate. In this case, the SR22 is an endorsement to a non-owner insurance policy.

Therefore, the difference between Virginia SR22 owner and non-owner insurance involves vehicle ownership.

How does non-owner’s insurance work?

Non-owner SR22 insurance is a guarantee of insurance coverage. When you buy Virginia non owners insurance, your agent electronically files the SR22 form with the DMV. The insurance underwriter monitors the status of your SR22 policy. If it lapses, underwriting informs the DMV, and the state will suspend your license again. In most cases, you’ll have to maintain non-owner SR22 insurance for up to three years; but the length of time may vary.

Non-owner SR22 insurance allows you to drive an insured vehicle owned by another person. It insures you when you operate a vehicle you don’t own.

Virginia non owners insurance is secondary insurance. The owner’s primary insurance pays claims first if you cause an accident while driving a borrowed vehicle. Your non-owner SR22 policy covers claims exceeding the vehicle owner’s insurance coverage. It’s important to know that your non-owner coverage may not pay claims if the owner has not insured their vehicle. It’s essential to be certain that the owner of any car you drive carries insurance.

More about non-owner SR22 insurance in Virginia

See the Virginia DMV website for more information about reinstating a suspended driver’s license.

UltraCar Insurance can issue a Virginia non owners insurance policy and file your SR22 certificate in 20 minutes. You’ll always get accurate advice from our licensed agents without obligation to purchase. Call today for a Virginia non-owner SR22 quote, or click the quote button to get started.

This article was last updated on October 15th, 2023 by