How to Get Non-Owner SR-22 Insurance in Arizona
If you don’t have a car but need an SR-22 in Arizona, getting a non-owner SR-22 certificate is the simplest way to do it.
Written by Amber Reed
Reviewed by Alita Dark
Non-owner SR-22 coverage is a fairly easy solution if you need an SR-22 to get your driver’s license reinstated but you don’t own a car.
All drivers in Arizona are required to have
car insurance
that meets the state’s minimum liability insurance
requirements—but in most scenarios, you’ll only need proof of insurance
if you’re pulled over or involved in a traffic accident. However, if you’re considered a high-risk driver, odds are good you’ll have to have a bit more proof than that. An SR-22 is fairly easy to add to your existing car insurance, but what if you don’t own a car? No worries—you can get a non-owner SR-22 certificate, and it’s often a less expensive process for folks who don’t own a vehicle. Read on to find out more!
What is SR-22 insurance?
First of all, it’s not actually insurance, even though you’ll frequently hear it referred to as “
SR-22 insurance
” or “SR-22 coverage”. An SR-22 is simply an official certification of financial responsibility, and your insurance provider files it on your behalf with the Arizona Motor Vehicle Division (MVD). This certificate serves as confirmation that your current insurance policy meets
Arizona’s car insurance laws
. These certificates are used by many states for drivers who have committed specific violations—most often DUIs
or driving without insurance
. If your license has been suspended for any reason, getting an SR-22 is often one of the criteria for getting it back. Compare insurance quotes from 50+ carriers with Jerry in under 45 seconds (Title in payload)
4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversArizona car insurance requirements
So just how much insurance are you required to carry in Arizona? Take a look at the state’s mandatory minimums:
- Bodily injury liability coverage:$25,000 per person / $50,000 per accident
Arizona is a state that only requires liability insurance, but it’s a smart idea to purchase additional coverage—especially if you own a vehicle. But a liability-only policy is enough to satisfy the law, regardless of whether you need an SR-22 or not.
Who needs an SR-22?
Certain violations come with the consequence of being required to file an
SR-22 certificate in Arizona
. If your license has been suspended for any reason, it’s often one of the things you’ll need to do to get it back—regardless of if you own a car or not. Listed below are some of the more common reasons why you might be required to get an SR-22 certificate in Arizona:
- DUI or DWIconviction
- Reckless driving
- Driving without a license or with a suspended license
- Multiple unpaid tickets
- Repeated minor offenses
- Refusal of a breathalyzer test
- At-fault accident that results in serious injuries or death
- Too manypoints on your driver’s license
Though the SR-22 fee itself typically isn’t too bad, you can expect your insurance policy to cost about 40% more than it would without the SR-22.
How to get non-owner SR-22 insurance in Arizona
If you find yourself needing to get an SR-22 but you don’t own a car, then a
non-owner car insurance policy
is the route you’ll want to take. This kind of insurance is liability-only and is intended for people who don’t own a car but still drive. Most of the major car insurance providers offer non-owner policies, but not every provider provides SR-22s. A few companies that can provide you with a non-owner insurance SR-22 in Arizona are
State Farm
, GEICO
, and Progressive
. Here’s what you need to do to get a non-owner SR-22 in Arizona:
- Contact local insurance agencies and inquire if they offer non-owner SR-22 certificates.
- Get multiple quotes before you purchase a policy—three to five is a good rule of thumb. Taking the time to compare car insurance quotes can save you a lot of money!
- Ask what type of car insurance discounts you might be able to take advantage of. Sometimes being a good student or completing an approved defensive driving course can help you secure a lower rate.
Make sure to keep your policy for as long as you’re required to have an SR-22 on file. In most cases, this is three years—but it can be longer depending on the circumstances. Once the required SR-22 period is up, don’t drop your coverage unless you’re not planning to drive at all. If you get caught driving without insurance, you’ll be required to get an SR-22 all over again—and this time you’ll probably have to keep it for a much longer duration!
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Can anyone get an SR-22 in Arizona?
Anyone can potentially be required to have an SR-22, but it’s usually reserved for serious or repeat violations. Getting a lone minor speeding ticket might raise your insurance premiums, but it’s not the kind of offense that makes an SR-22 necessary.
How long does an SR-22 last in Arizona?
In general, you’re required to keep your SR-22 for three years in Arizona. But this can vary according to the circumstances, and you should always double-check with the Arizona MVD before you stop your SR-22 coverage. If you let it lapse too early, then you’ll be required to carry it even longer!
