You could get your license suspended if you are convicted of a major drive trespass, such as driving under the influence. To have it reinstated, you need to file for SR-22 indemnity to guarantee to the country that your policy meets its minimum cable car indemnity requirements. Your cable car indemnity provider can process the SR-22 form on your behalf once you request it. Non-owner SR-22 indemnity is a low-cost choice to show proof of fiscal responsibility if you do not own a vehicle but regularly borrow or rent a car.

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key Takeaways

coins On average, non-owner SR-22 indemnity costs $ 1,020 per year .car2 USAA and GEICO offer the cheapest average SR-22 insurance .find The accurate rates and handiness of policies may vary depending on respective factors, including where you live .

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How Much Is Non-Owner SR-22 Insurance?

The price difference between policies with and without SR-22 forms is significant. typically, you need to carry SR-22 indemnity after a hard driving violation such as a DUI. Your supplier can file the form for you for a erstwhile tip of around $ 25. Filing an SR-22 categorize you as a bad driver, resulting in higher premiums. Compared to a standard policy, purchasing non-owner car indemnity is cheaper. similarly, non-owner SR-22 insurance is importantly less expensive than a distinctive SR-22 policy with the like coverages. cable car owners typically pay $ 1,523 per year for a policy with an SR-22. In comparison, the cost of non-owner SR-22 indemnity is cheaper by more than $ 500, priced at an average of $ 1,020 annual.

Average Cost of Non-Owner SR-22 Insurance Compared to Other Policies

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  • policy annual premium
  • SR-22 Non-Owner Car Insurance


  • SR-22 Regular Car Insurance


  • Non-Owner Car Insurance – Safe Driver


  • Regular Car Insurance – Safe Driver


The rates listed above are for policies with liability limits of 50/100/50. For more details, see our “Methodology” section at the end of this article.

The Cheapest Companies for Non-Owner SR-22 Insurance

How much non-owner SR-22 insurance costs varies between providers but, on average, is about $ 1,020 per year. The two carriers offering the cheapest, widely available car indemnity policies for people with SR-22s who don ’ triiodothyronine own vehicles are :

  • GEICO: $455 per year
  • Travelers: $476 per year

If you ’ ra region of the military — whether retired or on active duty — USAA is the most low-cost option for you and your syndicate. To find the best batch possible, it ’ south best to gather non-owner SR-22 insurance quotes and compare car policy rates before settling on a policy. It may lead to hundreds of dollars worth of savings.

The Cheapest Non-Owner SR-22 Insurance Policies

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  • company annual premium
  • 1 .USAA $ 495
  • 2 .State Farm $ 664
  • 3 .Farmers $ 846
  • 4 .Progressive $ 953
  • 5 .Travelers $ 1,024
  • 6 .GEICO $ 1,057
  • 7 .Nationwide $ 1,068
  • 8 .MetLife $ 2,985

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The Cheapest Non-Owner SR-22 Insurance by State

indemnity providers consider respective factors when setting premiums for car insurance policies, including where you live. They follow the same summons when calculating rates for non-owner SR-22 insurance. After comparing non-owner SR-22 indemnity quotes across the country, MoneyGeek found that GEICO offers the most low-cost rates in 31 states. That makes it a good option for brassy non-owner SR-22 indemnity if you have a DUI or other serious misdemeanor on your record. MoneyGeek ‘s analysis excludes USAA since their policies are merely available to present or former military members and their families.

Cheapest Non-Owner SR-22 Insurance by State – Average Annual Premiums

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  • state ship’s company annual premium
  • AK

    State Farm


  • AL



  • AR



  • AZ

    State Farm


  • CA



  • CO



  • CT

    State Farm


  • DC



  • DE



  • FL



  • GA

    State Farm


  • HI

    State Farm


  • IA

    State Farm


  • ID

    State Farm


  • IL

    State Farm


  • IN



  • KS

    State Farm


  • KY

    State Farm


  • LA

    State Farm


  • MA

    State Farm


  • MD



  • ME



  • MI



  • MN

    State Farm


  • MO

    State Farm


  • MS



  • MT

    State Farm


  • NC

    State Farm


  • ND

    State Farm


  • NE



  • NH



  • NJ



  • NM

    State Farm


  • NV

    State Farm


  • NY



  • OH

    State Farm


  • OK



  • OR

    State Farm


  • PA



  • RI



  • SC



  • SD

    State Farm


  • TN



  • TX

    State Farm


  • UT



  • VA



  • VT



  • WA



  • WI



  • WV

    State Farm


  • WY



How to Get Non-Owner SR-22 Quotes

In some states, policy carriers may offer standard policies but not non-owner SR-22 policy. Unlike distinctive car insurance policies, most companies will not provide a quote for non-owner SR-22 insurance on-line. If you want to get sample rates, you ’ ll have to call the carriers in your state of matter. To make this easier, MoneyGeek has listed the contact details of several major insurance companies that offer SR-22 indemnity even if you don ’ t have a car.

Contact Information For Non-Owner SR-22 Insurance Quotes

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  • company Contact Number
  • 1. USAA 800-531-8722
  • 2. express farm 800-782-8332
  • 3. GEICO 800-207-7847
  • 4. progressive 888-671-4405
  • 5. Travelers 866-248-9970
  • 6. Farmers 888-327-6335
  • 7. nationally 877-669-6877
  • 8. MetLife 800-422-4272

What Is Non-Owner SR-22 Insurance?

Despite being termed as policy, the SR-22 is a shape attached to a car insurance policy. It serves as proof of fiscal duty, assuring the state that your coverage limits meet its minimum policy requirements. typically, the state of matter requires an SR-22 from drivers convicted of austere driving violations such as a DUI. Non-owner SR-22 indemnity works the like way but for drivers who don ’ triiodothyronine own cars. Non-owner SR-22 policy includes coverage for bodily injury and property damage liability but not collision or comprehensive policy. Although a non-owner SR-22 policy is lone required to meet the state ‘s minimal liability requirements, the price of damages incurred from accidents may exceed your limits. It besides does not protect you against expenses from injuries you or your passengers may sustain. These are some of the different factors to consider when deciding how much cable car indemnity you need.

Who Should Get Non-Owner SR-22 Insurance and Why

If you ’ ra convicted of a austere driving irreverence, such as driving without insurance or driving under the determine, your driver ’ second license may be suspended. The state will require you to show proof of fiscal duty in the form of an SR-22 before reinstating your license. Non-owner SR-22 insurance works the lapp way, but it ‘s for drivers who do n’t have a car but frequently drive a rental or borrow one from relatives or friends. Purchasing non-owner SR-22 policy is an low-cost option that allows you to show fiscal duty. It assures the submit that your car policy policy meets the minimum requirements. Non-owner SR-22 indemnity policies include liability coverage, which protects you from third-party expenses you may incur should you cause an accident, including medical concern and place price.


MoneyGeek analyzed non-owner car indemnity quotes for drivers with a DUI on their record to approximate the monetary value of insurance for person required to file an SR-22. This analysis was for companies and quotes throughout the state in every express. The non-owner car indemnity policy quoted had limits of :

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

About the author

expert-profileexpert-profile Mark Fitzpatrick is a senior content coach with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance grocery store and creating original research and message. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .

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