Although most insurers can theoretically offer you SR-22 insurance without a car, you may have to choose an policy ship’s company that specializes in providing policies for bad drivers. As rates can differ by over $ 2,000 per year between insurers, we recommend that you compare rates yourself .
We found that The General, SafeAuto and Direct Auto are good companies to get quotes from, as they specialize in covering bad drivers and will likely be able to offer cheap non-owner SR-22 coverage .
How to get cheap non-owner SR-22 insurance
Non-owner SR-22 cable car indemnity is typically significantly cheaper than a typical SR-22 policy policy. This is because insurers assume person without a car drives far less than a car owner — which importantly lowers the risk for indemnity companies.
The best means to find cheap non-owner SR-22 insurance is to compare rates from nonstandard insurers, such as The General, SafeAuto and Direct Auto. Unlike other large car insurers — such as State Farm or Allstate — these companies do n’t shy away from offering coverage to drivers who may be considered high risk. Companies that specialize in covering bad drivers and may offer non-owner SR-22 policy include :
other bad insurers, which may be able to provide a non-owner SR-22 policy, include GAINSCO, Infinity and Titan .
How much does non-owner SR-22 insurance cost?
Prices for non-owner SR-22 insurance deviate a great hand based on location and individual situation. Quotes collected by ValuePenguin for the lapp driver profile ranged from just more than $ 600 per year to more than $ 2,600 in Chicago .
|Insurer||Los Angeles cost||Chicago cost|
What is non-owner SR-22 insurance?
If you don ’ t own a vehicle but have had your license suspended or been designated a bad driver, your best option may be to purchase non-owner SR-22 indemnity. These policies provide you with the command liability coverages in your state. Your coverage would apply if you were to get into an accident in a car that you rented or borrowed from a acquaintance .
To be eligible for a non-owner car insurance policy, you have to fit sealed criteria :
- You cannot own a vehicle.
- You cannot live with someone who owns a vehicle that you could potentially have access to.
- You cannot be required to have an ignition interlock device.
Non-owner SR-22 indemnity, sometimes called non-driver indemnity, is a policy alternatively of coverage, so the policy normally includes property damage and bodily injury liability :
|Property damage liability||Bodily injury liability|
|This covers you for any costs of repairing damages caused to another person’s property.||If you are at fault for an accident, this covers any costs of injuries for another person’s medical bills.|
however, a non-owner SR-22 policy does not cover physical damages like collision or comprehensive indemnity does, therefore your policy wo n’t cover the damages caused to any car that you drive .
Does non-owner SR-22 cover any car I drive?
When you get non-owner SR-22 indemnity, it covers any cable car you drive because the policy is considered an operator ‘s policy. It means you can drive any car or truck not owned by you or owned by a penis of your family .
Non-owner SR-22 insurance covers you if you get into an accident while driving a supporter ‘s car or a vehicle you have rented. These policies are considered secondary coverage, meaning that the policy only kicks in once the elementary insurance policy ‘s limits are exhausted .
Say you get into an accident while driving a acquaintance ‘s car and lawsuit property damage for which you are testify liable. Your friend ’ south car policy policy would pay out first up to their place damage indebtedness specify, at which point your non-owner SR-22 coverage would kick in .
Why should you get an SR-22 insurance policy without a car?
In summation to getting your drive privileges back after your license has been suspended, a non-owner SR-22 indemnity policy can besides help you avoid a lapse in car insurance coverage — which can help keep your premiums from increasing in the future due to this fact .
We found that letting your car coverage lapse for an extended period of time can cause policy rates to go up by 30 %.
How do you get a non-owner SR-22 insurance quote?
The best manner to get a non-owner SR-22 insurance quotation mark is to call individual insurance companies or agents. In some instances, you may be able to get an on-line quote. however, in most cases, these policies have to be purchased over the telephone or in person .
Finding a policy can be difficult. ValuePenguin surveyed several national insurers and found some did not offer SR-22 indemnity in certain states. For example, Progressive Direct did not offer them at all, but said local agents could potentially offer those policies. And several local anesthetic Progressive agencies we called in Chicago and New York did not offer them to fresh customers .
We suggest calling multiple insurers to get a sense of your options. Below are telephone numbers for some of the most outstanding nonstandard car insurers