Non-Owner SR22 Insurance 2021 Guide

Do You Need to File Non-Owner SR22 Insurance?

Are you considered a high-risk driver by the state? If this is the case, you might be forced to file a non-owner SR22 Insurance with your state. Non-owner SR22 insurance is issued by an insurance company as proof that the insured individual has the required minimum of auto insurance. This type of SR22 insurance is offered even if the individual does not own a car.

Who Should File Non-Owner SR22 Insurance?

As mentioned earlier, SR22 insurance is mandatory for individuals who have committed various driving offenses, even if they don’t own a car at the moment.

In most states, individuals who commit a severe violation like reckless driving or driving under the influence must file an SR22. You might be forced to file an SR22 if:

  • If you have been convicted for reckless driving and are considered a high-risk driver by the state.
  • If you do not own a car.
  • If you do not share the same household with another car owner.
  • If you primarily use public transportation but drive on some occasions.

A non-owner car insurance policy is not ideal for individuals who own a car. Similarly, individuals who share a household with a car owner do not qualify for SR22. Non-Owner SR22 insurance usually lasts for around 3 to 5 years after the offense. Once it expires, individuals are free to cancel the filing. The policy covers damages that you might cause to other people or their properties. However, it does not cover damages caused by a car you own.

How Much Does a Non-Owner SR22 Insurance Cost?

The cost varies between insurance companies and states. Moreover, the driver’s profile, such as driving history, marital status, and age, also play an essential role. However, non-owner SR22 is cheaper than the typical SR22 insurance because the driver is rarely driving.

On average, the cost of SR22 insurance varies from $15 to $25, depending on various factors. When shopping for Non-Owner SR22 insurance, it is advisable to bid your time. Talk with different insurance companies and compare the fee to identify an affordable option.

Why You Should Consider Non-Owner Car Insurance?

There are various reasons for buying non-owner car insurance. To begin with, you will have no choice but to buy this policy if your state requires you to have liability coverage even if you are not driving. Secondly, it is best to take this filing if you borrow a car from your friends or family from time to time. Finally, it is the best solution for individuals who can’t buy a car at the moment but still need to find their way across the state. Here are the requirements for SR22 insurance in California and SR22 insurance in San Diego.

Tips for Finding the Best Non-Owner Car Insurance

Choosing the ideal non-owner SR22 insurance provider is the right thing to do and the right approach because it saves you money and helps you avoid the frustrations of dealing with irresponsible providers. Thankfully, you can easily find the right provider for you if you consider some essentials and work with a reputable insurance quotes services provider such as Pay Low Insurance.

The professional and knowledgeable team at Pay Low Insurance will help you find the right auto insurance. Request a non-owner SR22 auto insurance quote now or call us at (619) 736-1313 to speak to one of our agents.