Compare SR-22 car insurance quotes
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What a non-owner SR-22 policy covers
| Covered | Not covered |
|---|---|
| Bodily injury liability when you drive a borrowed or rented car | Damage to the car you’re driving (no collision or comprehensive) |
| Property damage liability | Cars you own or have regular access to |
| An SR-22 filing to satisfy your state | Your own injuries (unless you add medical or uninsured motorist cover where offered) |
It’s secondary cover: if you borrow a friend’s car, the owner’s insurance pays first, and your non-owner policy pays after the owner’s limits are used up.
Who it’s for
- Drivers who need an SR-22 to reinstate a license but have sold their car or never owned one
- People who occasionally borrow cars or rent them
- Drivers who want to keep continuous insurance history while between cars
Not for you if you regularly drive the same car, such as a partner’s or a household vehicle. Insurers may decline claims in that situation; you’d need to be listed on the owner’s policy instead.
What it costs
| Insurer | Average cost | Source |
|---|---|---|
| USAA (military families only) | $28 a month / $232 a year | MoneyGeek / CarInsurance.com |
| Auto-Owners (regional) | $207 a year | CarInsurance.com |
| State Farm | $33 a month | MoneyGeek |
| Kemper | $33 a month | MoneyGeek |
| Travelers | $40 a month / $520 a year | MoneyGeek / CarInsurance.com |
| GEICO | $481 a year | CarInsurance.com |
Sources: MoneyGeek (Oct 2026, minimum cover); CarInsurance.com (July 2026). The two use different methods.
CarInsurance.com found an average of $574 a year nationally, from $262 in South Dakota to $1,487 in New Jersey, and about $1,040 a year with a DUI on record. Expect an SR-22 filing fee of roughly $15 to $50 plus any state reinstatement fee.
How to get a non-owner SR-22
- Confirm which form your state requires (SR-22, FR-44 or SR-22A) and for how long; see SR-22 by state.
- Find insurers that write non-owner policies with SR-22 filings. Not all do, so you may need to call several or use an agent.
- Get a non-owner quote, then ask the insurer to attach the SR-22 before you pay.
- The insurer files with the DMV, often the same day. Confirm the DMV received it.
- Keep the policy active for the whole period. A lapse can suspend your license and restart the clock.
If you buy a car later
Tell your insurer before you drive the new car. You’ll need to switch to a standard owner’s policy with an SR-22 attached, with no gap between policies. Prices for owner policies with an SR-22 are in our SR-22 cost guide, and general tips for high-risk drivers in our high-risk auto insurance guide.
Frequently asked questions
Can I get an SR-22 if I don’t have a car?
Yes. Buy a non-owner car insurance policy and ask the insurer to file an SR-22 with your state.
How much is non-owner SR-22 insurance?
About $574 a year on average in CarInsurance.com’s 2026 data, ranging from $262 in South Dakota to $1,487 in New Jersey.
Does non-owner SR-22 insurance cover the car I drive?
No. It covers your liability to others, not damage to the car you’re driving.
Can I use a non-owner policy for a car in my household?
Usually not. Non-owner policies are for drivers without regular access to a vehicle; household cars should be insured by their owner with you listed.
Who sells non-owner SR-22 insurance?
Insurers including State Farm, Kemper, Travelers, GEICO, Auto-Owners and USAA (for military families), though availability varies by state.
Sources
- CarInsurance.com – Non-owner SR-22 insurance (July 2026)
- MoneyGeek – Cheapest SR-22 insurance 2026 (Oct 2026)
- Insurance.com – SR-22 insurance: how it works and what it costs (May 2026)
- GEICO – SR-22 details
Insurance prices, discounts and rules change often and vary by state. Figures were checked in October 2026; confirm details with the insurer or your state insurance department.