How to Get Non-Owner SR-22 Insurance in Florida
If you need an SR-22 in Florida but don’t own a car, non-owner car insurance is the best solution.
Written by Melanie Krieps Mergen
Reviewed by Shannon Martin
If you need to satisfy SR-22 requirements in Florida but don’t own a vehicle of your own, a non-owner SR-22 car insurance policy could help you get your license reinstated—but it can be challenging to find insurance providers willing to offer it.
All drivers in Florida are required to carry a minimum amount of car insurance, but after a court order or serious driving offense, drivers with an SR-22 requirement will need to carry additional liability coverage to regain driving privileges.
But what if you only drive when renting or borrowing someone else’s car? If that’s the case, you could get non-owner SR-22 car insurance to satisfy your requirements. Here’s what it is and how to find it.
What is SR-22 insurance?
Although it’s commonly confused as such, an
SR-22
isn’t actually a type of car insurance at all—it’s a certificate of financial responsibility filed by an insurance provider with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV).An SR-22 confirms you have a car insurance policy that meets
Florida’s minimum liability limit requirements
. They’re often required of drivers who, for one reason or another, have been deemed “high risk
”.Depending on the type of violation, drivers may be subject to alternative form requirements that are similar to the SR-22, such as the
FR-44
, which is required for certain alcohol-related offenses like DUIs. RECOMMENDED
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Florida auto insurance requirements
Florida state law requires that drivers carry at least the following amount of insurance coverage:
While additional coverage types like collision and comprehensive coverage are almost always a good idea, this is the minimum amount of insurance the typical driver needs to stay legally compliant in Florida.
However, Florida drivers who have SR-22 requirements will have to additionally purchase
bodily injury liability coverage
with limits of at least $10,000 per person and $20,000 per accident.Who needs an SR-22?
So, who needs an SR-22? (Or an FR-44, for that matter?)
The answer to that question depends on the state. SR-22 requirements follow drivers after serious legal or driving violations when deemed necessary by state law. In Florida, those offenses can include:
- Reckless driving
- Driving with asuspended license
- At-fault accident without insurance
- License suspension after failing to pay child support
In many states,
DUIs or DWIs
also come with SR-22 requirements, but in Florida, these are subject to an FR-44 instead—which comes with much stricter (and more expensive) minimum insurance requirements.MORE: How to fill out and file an SR-22
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4.7/5 rating on the App Store | Trusted by 5+ million customers and 7 million cars4.7/5 app rating | Trusted by 5M+ driversHow to get non-owner SR-22 insurance in Florida
SR-22 requirements in Florida apply whether or not you drive a car of your own. If you’re looking to have your license reinstated and need to file an SR-22 but don’t own a vehicle, a
non-owner car insurance
policy is one of the easiest ways to satisfy requirements.A good majority of insurance providers offer non-owner car insurance coverage, but not all of them will insure someone who needs an SR-22, meaning you may have to do some shopping around to find a policy.
Geico
, Progressive
, National General, and Nationwide
are all examples of providers that may be willing to offer non-owner SR-22 insurance policies.Be forewarned: SR-22s are high-risk red flags to an insurance provider, meaning your car insurance costs may get more expensive—but you can still make sure you don’t pay any more than you have to.
Here’s what you can do to find a non-owner policy that’s the right fit for you:
- Inquire with local insurance agencies to find out whether they offer non-owner car insurance policies to drivers subject to SR-22 requirements.
- Comparing multiple car insurance quotes can help you find the lowest available rate. Gathering three to five quotes is generally a solid number.
- Check for the insurance provider’s available discounts to find out whether there are any you’d be eligible for. For example, you might be able to bundle with your home or renters insurance or set up automatic payments to save on your premium. However, not all providers advertise their discounts outright, so you may have to ask about what’s available.
SR-22 insurance requirements in Florida often apply for about three years, but the duration depends on the violation. You’ll need to ensure you maintain the minimum amount of insurance for the entire duration—any lapses in coverage could leave you with more penalties and extend the filing period.
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Can anyone get an SR-22 in Florida?
SR-22s in Florida are only required under certain circumstances. For example, in some instances they may be court mandated, while others might follow more severe driving violations, like reckless driving or driving without insurance.
How long does an SR-22 last in Florida?
How long an SR-22 lasts in Florida depends on the reason(s) for the requirement and the laws that apply. In many cases, SR-22 requirements apply for three years, but that period may vary based on the circumstances. Whatever the duration, you’ll need to meet SR-22 requirements throughout the period, as any lapse in coverage could lead to more severe penalties.
