Non-Owner SR22 Insurance Explained

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Mar 13, 2020

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In some situations, you may be required to buy SR22 car insurance even if you don’t own a vehicle. Non-owners SR-22 insurance is required in certain states for individuals convicted of a DUI/DWI. If you have been convicted of a DUI/DWI and you drive someone else’s vehicle, then you may require non-owner SR22 insurance.

How Does Non-Owner SR22 Insurance Work?

non owner sr22 explainedNon-owner SR22 insurance is a special type of car insurance policy required in certain states. If you have been convicted of driving under the influence, and you drive someone else’s vehicle, then you may be required to buy SR-22 insurance for that vehicle – even if you don’t own the vehicle.

When convicted of a DUI, you often lose the ability to drive a car. However, you may be able to legally drive someone else’s vehicle. Some states allow you to drive someone else’s vehicle with no additional paperwork. Other states require you to buy non-owner SR22 auto insurance.

When buying SR22 car insurance for your own car, it functions as a normal car insurance policy. SR22 insurance is a higher risk type of car insurance available for drivers who have been convicted of driving under the influence. When buying SR22 car insurance as a non-owner, however, it works in a slightly different way than ordinary car insurance.

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What Does Non-Owner SR22 Insurance Cover?

When you buy non-owner SR22 car insurance, it covers you for liability when you get behind the wheel of someone else’s vehicle. If you cause an accident while driving someone else’s vehicle, then your non-owners SR22 car insurance policy will cover the expenses of the other party, including medical bills, vehicle damage, and personal injury expenses.

Some of the items covered by non-owner SR22 car insurance include:

  • Medical bills of the other driver and passenger
  • Property damage, including vehicle repair expenses
  • Other personal injury expenses incurred by the other driver and passengers, including lost wages and emotional trauma

All of these expenses assume you were at-fault for the accident. If you caused an accident while driving someone else’s vehicle, then your non-owner SR22 car insurance may cover all of the items above. If the other driver was at-fault, then the other driver’s car insurance may cover you as it normally would.

What Does Non-Owner SR22 Insurance Not Cover?

Non-owners SR22 insurance doesn’t cover everything. It does not cover damage to your own vehicle, for example. It’s exclusively designed to protect other people and vehicles on the road.

However, if you’re in an accident where the other person is at fault, then the other driver’s car insurance should cover the cost of repairing the vehicle, as well as the personal injury expenses of you (the driver) and passengers within the vehicle.

Specific rules on what is covered by car insurance vary in each state. 12 states in America are no-fault states, in which case your car insurance may automatically cover certain medical expenses regardless of who is at fault.

Generally, non-owner SR22 insurance does not cover the following damages:

  • Damages to your own vehicle
  • Medical expenses and injuries incurred by you (the driver) or your passengers
  • Other damages incurred by you or your passengers in a collision where you were at-fault

There’s another caveat with non-owners SR22 insurance. in some cases, non-owner SR22 insurance does not cover you when driving the vehicle of someone you live with. If you borrow your roommate’s car, for example, or live with your parents and drive their vehicle, then your non-owner SR-22 car insurance may not provide coverage.

In this situation, you may be required to be specifically listed on your housemate’s policy in order to be covered. If you have a DUI or DWI conviction, then this can raise the cost of your housemate’s policy substantially, which is why your housemate may want to list you as an excluded driver.

Talk to your insurance company to determine if your non-owner SR22 insurance covers you when driving a housemate’s vehicle. Some do, but others don’t.

Not All Drivers Can Buy Non-Owners Car Insurance Policies

In certain cases, drivers convicted of a DUI or DWI are unable to buy non-owner SR22 car insurance. Certain DUI/DWI convictions require you to install an interlock device or similar device on your own vehicle, in which case you are prohibited from driving anybody else’s vehicle. In this situation, you cannot buy non-owners SR22 car insurance.

Typically, the court will explain your situation and requirements to you. The court will explain whether or not you need non-owner car insurance, including any other restrictions attached to your conviction. Laws vary widely between states.

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What Happens If I Miss a Payment on an SR22 Insurance Policy?

Whether the SR22 insurance policy is for your own vehicle or for someone else’s vehicle, missing a payment can be very serious. If you fail to make an on-time payment on your SR22 car insurance policy, then you may face the following consequences:

  • Your license may be suspended immediately
  • Your SR22 filing period will start over
  • You may need to pay a license reinstatement fee to your DMV

How to Buy SR22 Car Insurance

Most major car insurance companies provide some type of SR22 car insurance coverage. By shopping around for car insurance policies today, you should be able to find the SR22 car insurance that works for you.

Some car insurance companies do not offer non-owner car insurance quotes online. In these cases, you may need to contact an insurance agent directly. All major insurance companies have a hotline you can call to compare quotes online.

Compare car insurance quotes online today using our simple online form. Whether you need non-owners SR22 insurance or DUI/DWI car insurance for your own vehicle, you can easily find car insurance policies to suit your budget and lifestyle.

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