Everything You Need to Know About SR22 Non Owner Insurance

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When you hear the term “SR22 non owner insurance,” you may be left scratching your head. What is it? Why do you need it? In this article, we’ll break down everything you need to know about SR22 non owner insurance so you can better understand this insurance policy and how it could benefit you.

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What is SR22 Non Owner Insurance?

SR22 non owner insurance, also known as non owner SR22 insurance, is a type of insurance policy that provides liability coverage for drivers who don’t own a vehicle but need to meet their state’s requirements for financial responsibility.

When a driver is required to have an SR22 certificate, it means they’ve been convicted of a serious driving offense such as a DUI or driving without insurance. This certificate is required by the state as proof of insurance to ensure the driver is financially responsible if they cause an accident.

If you don’t own a vehicle but still need to have an SR22 certificate, a non owner SR22 insurance policy is a great option for you. This policy will provide the required liability coverage for any vehicle you may drive and will satisfy your state’s requirements for financial responsibility.

How Does SR22 Non Owner Insurance Work?

When you purchase a non owner SR22 insurance policy, you’ll be provided with liability coverage for any vehicle you may drive. This means if you cause an accident while driving someone else’s vehicle, your non owner SR22 policy will kick in and provide coverage for any damages or injuries you may have caused.

It’s important to note that non owner SR22 policies do not provide coverage for the vehicle you’re driving. This means if you cause damage to the vehicle while driving it, your non owner policy will not cover the cost of repairs.

Non owner SR22 policies are typically less expensive than traditional auto insurance policies because they provide less coverage. Since you’re not insuring a specific vehicle, there’s less risk for the insurance company, which translates into lower premiums for you.

Is SR22 Non Owner Insurance Required in My State?

SR22 non owner insurance is required in most states if you’ve been convicted of a serious driving offense and don’t own a vehicle. However, the requirements for this type of insurance can vary from state to state.

To find out if SR22 non owner insurance is required in your state, you’ll need to check with your state’s department of motor vehicles. They’ll be able to tell you if you need to have an SR22 certificate and what type of insurance policy you need to purchase in order to meet your state’s requirements.

How Much Does SR22 Non Owner Insurance Cost?

The cost of an SR22 non owner insurance policy will depend on a variety of factors, including your driving history, age, and location. However, in general, non owner SR22 policies tend to be less expensive than traditional auto insurance policies.

The average cost of a non owner SR22 policy is around $500 per year, but this can vary significantly depending on your individual circumstances. It’s important to shop around and get multiple quotes from different insurance companies to ensure you’re getting the best rate possible.

FAQ

Question
Answer
What is an SR22 certificate?
An SR22 certificate is a document that proves you have insurance coverage and is required in most states if you’ve been convicted of a serious driving offense.
What offenses require an SR22 certificate?
Offenses that typically require an SR22 certificate include DUIs, driving without insurance, and reckless driving.
Do I need SR22 non owner insurance if I don’t own a vehicle?
If you’ve been convicted of a serious driving offense and don’t own a vehicle, you’ll likely need to purchase a non owner SR22 insurance policy to meet your state’s requirements for financial responsibility.
Can I add additional coverage to my non owner SR22 policy?
No, non owner SR22 policies only provide liability coverage and cannot be modified to include additional coverage such as collision or comprehensive coverage.
How long do I need to have an SR22 certificate?
The length of time you’ll need to have an SR22 certificate will vary depending on your state and the offense you were convicted of. In general, you can expect to need an SR22 certificate for at least three years.

The Bottom Line

If you’ve been convicted of a serious driving offense and don’t own a vehicle, non owner SR22 insurance is a great way to meet your state’s requirements for financial responsibility. This type of insurance policy provides liability coverage for any vehicle you may drive and is typically less expensive than traditional auto insurance policies.

Before purchasing a non owner SR22 policy, it’s important to shop around and get multiple quotes from different insurance companies to ensure you’re getting the best rate possible. And remember, if you have any questions or concerns about SR22 non owner insurance, don’t hesitate to reach out to a licensed insurance agent or your state’s department of motor vehicles for more information.

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