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How do I get SR22 insurance without a car?
I need to get SR-22 insurance, but I am not a vehicle owner myself. How do I get SR-22 insurance without a car?
Nick Kunze · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
To get
SR-22 insurance
without a car, you will need to buy non-owner car insurance
from a provider willing to file an SR-22 on your behalf.
An SR-22 form is not actually insurance. It simply certifies your financial responsibility, and it must be filed by the insurance provider who also carries your policy.
Here’s what you need to know about a non-owner policy:- Offers less coverage than a standard policy
- Is usually less expensive than a standard policy
- Has no deductible Keep in mind that SR-22 forms are only required for high-risk drivers. Because of your driving record, you can expect yournon-owner SR-22 policyto cost more than a standard policy, not less like a typical non-owner policy, plus the additional filing fee for the SR-22 form. Some major insurance companies like GEICO and Progressive offer non-owner policies. But before you buy one, make sure:
- The company will insure you given your new status as ahigh-risk driverdriver. Your old company can choose not to renew your coverage
- Your new provider will be able to file an SR-22 on your behalf, as you cannot file an SR-22 for yourself
View full answer
- Gregory R.
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