Cheap Non-Owner SR-22 Auto Insurance 

Getting non-owner car insurance that includes SR-22 coverage can be confusing and expensive. It’s even more confusing when you add a non-owner to SR-22 insurance and try to find the best rates on a tight budget. The good news is we will go over everything you need to know about cheap Non-owner SR-22 Auto Insurance and help you get the cheapest policy possible.   

What is Non-Owner Car Insurance?

Non-owner car insurance is also known as non-driver car insurance. This type of auto insurance policy is designed for people who do not own a vehicle but still need to get covered. This type of policy provides liability protection in the event you drive a vehicle you don’t own. 

Non-owner car insurance policies are typically very inexpensive compared to regular car insurance. This is because the policy doesn't cover a specific vehicle. Premiums run as low as $250-300 per year.

To get a non-owner policy, shop around and compare quotes from several insurers. Please note that you will need to provide details such as your driver’s license number, Social Security number, and any accidents or tickets on your driving record. 

Non-driver car insurance policies can be purchased for periods as short as a month or as long as a year. In times when you need to drive a car you don’t own, getting an affordable non-owner insurance policy will keep you driving legally, satisfying financial responsibility laws, and getting liability protection.

Who Needs Non-Owner Auto Insurance?

There are several situations where non-owner car insurance makes sense:

• You occasionally borrow or rent a friend’s or family member’s car. Non-owner insurance protects you if you get into an accident while driving the borrowed vehicle. Without it, you’d have to rely on the car owner’s policy.
• You sold your car but still need coverage during a gap between policies. Non-owner insurance bridges the insurance gap so you remain covered.
• You don’t own a vehicle but occasionally drive for a rideshare service like Uber or Lyft. These companies require drivers to carry rideshare insurance, which is often satisfied with a non-owner policy.
• You’re a college student who only drives cars owned by parents while home on break. A non-owner policy covers liability when driving the family car.
• You don’t own a car for financial reasons but still need to drive occasionally. Non-owner insurance provides affordable liability protection.

What Non-Owner Car Insurance Covers

Non-owner car insurance provides liability protection, which covers bodily injury and property damage you may cause others while driving a car you don’t own. It satisfies state minimum liability requirements. 

Here’s what non-owner insurance typically covers:

• Liability for damage/injuries to others 
• Medical payments or personal injury protection, depending on the state 
• Uninsured/underinsured motorist protection

Non-owner policies never include collision or comprehensive coverage tied to insuring a specific vehicle. They also won’t cover damage to the car you’re driving or protect you in hit-and-run accidents with uninsured drivers. 

What does SR22 Insurance Cover?

An SR-22 is not an actual insurance policy. It is a form that your insurance company files with your state that proves you have liability insurance that meets your state’s minimum requirements. High-risk drivers are required to carry SR-22 coverage for 3 years after a serious violation like a DUI or lapse in insurance. 

You can get an SR-22 filed by your insurer whether you own a car or not. Non-owner SR-22 auto insurance provides liability protection if you drive vehicles owned by others or rentals. It does not cover damage to the vehicles you drive.

How Long is SR-22 Required?

SR-22 requirements last 3 years from the date of reinstatement in most states. High-risk drivers must maintain continuous auto insurance coverage during this period or face license and registration suspension. 

You can request your insurer lift the SR-22 once your 3 years are up. They will submit paperwork to the state confirming you completed the required term and no longer need SR-22 coverage.

If you need to switch insurers during the 3 years, the new company will need to file the SR-22 on your behalf. Never drive without liability protection during your SR-22 term, or you could face serious consequences.

Understanding State Laws and Requirements

SR-22 requirements can vary by state. When shopping for cheap non-owner car insurance, it’s important to understand your state’s minimum liability coverage, SR-22, and high-risk insurance laws.

Here are some key questions to have answered:

1. What is my state’s minimum liability insurance requirement?
2. How long will my license be suspended if I drive uninsured? 
3. How much does an SR-22 filing cost in my state?
4. Can I get an SR-22 if I don’t own a car?
5. Does my state offer special policies for high-risk drivers?
6. Are there state insurance programs I qualify for?
7. What violations require an SR-22 in my state?
8. How do I have an SR-22 lifted in my state?
9. How can I restore my license after a violation suspension?

Knowing your state’s car insurance rules ensures you get the right coverage at the best rate if you need an SR-22.

Why Cheap Non-Owner SR-22 Auto Insurance Matters

Having cheap SR-22 insurance allows you to meet your state’s requirements while spending less on premiums. With rates $200-$300 higher on average compared to standard policies, finding an affordable insurer makes a difference.

Comparing quotes from top national and regional insurers ensures you find the lowest rate for the coverage you need. Spending just a few hours shopping for cheaper non-owner SR-22 car insurance can potentially save you hundreds of dollars per year.

How Much Does Non-Owner SR-22 Insurance Cost?

In 2023, the average annual cost of a non-owner policy with an SR-22 is about $1,090. These rates have increased, as much as those of regular insurance policies. However, rates can vary considerably based on variables such as your driving history, state of residence, and other individual factors.

On average, non-owner car insurance costs about $400 per year. However, here are quotes from 15 insurers for minimum non-owner coverage:

How to Get Cheap Non-Owner SR-22 Insurance

The best way to get the cheapest non-owner SR-22 auto insurance is to compare quotes from multiple insurers. Rates can vary by hundreds of dollars per year for the same coverage. Here are 10 tips to save the most money on non-owner SR-22 insurance:

1. Check rates from at least ten insurers – Getting multiple quotes takes little time when using insurer websites or an insurance comparison site.
2. Compare identical coverage amounts – Make sure quotes reflect state minimum liability limits.
3. Ask about discounts – Insurers offer discounts for things like defensive driving courses.
4. Consider usage-based coverage – Some insurers provide discounts for low mileage.
5. Drop unnecessary extras – You likely don’t need roadside assistance or rental reimbursement.
6. Choose higher deductibles – This reduces premiums, but you pay more out of pocket for claims.
7. Maintain a good driving record – Drive safely and avoid violations to keep rates low.
8. Check rates regularly – Rates change often so check for savings every 6 months.
9. Pay annually – Paying policy premiums in full saves on financing fees.
10. Maintain continuous coverage – Insurance lapses lead to higher rates.

Take Advantage of Every Discount You Qualify For 

Here are ten common auto insurance discounts to ask about to lower your premiums:

• Good driver discount: For a clean driving record free of violations. Saves up to 25%.
• Defensive driver discount: For completing an approved safety course. Saves up to 15%.
• Low mileage discount: Driving fewer than a set number of miles per year. Saves up to 15%.
• Multi-policy discount: For bundling auto with homeowners or renters insurance policies. Saves up to 15%.
• Multi-car discount: For insuring more than one car on the same policy. Saves up to 25%. 
• Early shopper discount: For getting a quote well before policy renewal. Saves up to 10%.
• Good student discount: For students with a B or better average. Saves up to 15%.
• Affinity discount: For belonging to partner groups like alumni organizations. Saves up to 15%.
• Automatic payment discount: For enrolling in auto-pay billing. Saves up to 10%.
• Telematics discount: For using a tracker device to show safe driving habits. Saves up to 30%.

The more discounts you qualify for, the more you can save. Ask insurers to review all available ways to lower your premium.

Maintain Continuous Coverage

Maintaining continuous auto liability coverage is the most important thing when carrying an SR-22. If your policy lapses, your insurer will notify the state and your license and registration will be suspended. 

What You Need to Keep Your Coverage Active:

• Pay premiums on time and in full to avoid cancellations. Sign up for auto-pay if it helps.
• Review renewal notices as soon as you receive them and report any issues immediately. 
• Contact your insurer if you need to change payment dates, update billing information, or make other adjustments.
• Never drive uninsured – even for one day between policies. Have your new policy in place before canceling the old one.
• Check that the new company has filed your SR-22 properly if switching insurers. 

Letting your coverage lapse results in paying hundreds of DMV fees to reinstate your license. Maintaining continuous coverage keeps you driving legally and saves you money.

How to Switch Insurance Companies if You Find Cheap Non-Owner SR-22 Auto Insurance 

Don’t hesitate to switch insurers if you find a much lower rate. Here are some tips for painlessly changing providers:

• Research new insurers and get quotes before your renewal.
• Choose a new company at least 2 weeks before your policy expires.
• Inform your current insurer you are not renewing the policy.
• Pay any outstanding balance you owe in full.
• Remove your vehicle from the current policy on expiration.
• Have your new policy documentation on the start date.
• Return any credentials like insurance cards to an old insurer.
• Verify new insurance information is filed with your state.

Final Takeaways

Now that you are familiar with non-owner SR-22 requirements in your state, it’s time to get quotes from multiple insurers and get the cheapest rates. You can get cheap non-owner SR-22 auto insurance with a little effort and quote comparison. To start your quote, enter your zip code and fill out a free application. Save more money on non-owner SR-22 insurance today.