Non-Owner SR-22 Insurance Explained

A non-owner SR-22 insurance policy is required in over 40 states if you've been convicted of a DUI/DWI. Non-owner SR-22 auto insurance allows you to drive someone else's car when you have DUI-related restrictions, but it doesn't provide any coverage in case of an accident. Non-owner SR-22 insurance requirements vary by state, but you can expect your auto insurance rates to increase. If you need to find cheap non-owner SR-22 insurance, enter your ZIP code below to start comparing quotes in your area. Read more to have non-owner SR-22 insurance explained further.

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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: Aug 28, 2020

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What You Should Know

  • SR-22 insurance is auto insurance for drivers who have been convicted of driving under the influence (DUI)
  • SR-22 requirement vary from state-to-state
  • Certain DUI convictions require you to install an interlock device on your own vehicle

What is SR-22 insurance and what is the difference between SR-22 and regular insurance? Why would you need SR-22 insurance? Quite simply, SR-22 required insurance in some states if you’ve been convicted of driving under the influence.

In some situations, you may be required to buy SR-22 car insurance even if you don’t own a vehicle. But, what is an SR-22 form and why do you need it? Does SR-22 cover my car? Yes, that is the main purpose.  Does SR-22 insurance cover any car you drive? That depends.

Non-owner 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 SR-22 insurance.

You may also be asking yourself, “Does SR-22 cover any car I drive, even if I’m not the owner?” The short answer is “yes,” but you have to obtain an Operator’s Certificate. Read on to have non-owner SR-22 insurance explained.

If you are looking for the cheapest SR-22 insurance, use our FREE tool above to find great quotes now.

How Does Non-Owner SR-22 Insurance Work?

If you are wondering, “Do I need an SR-22 but don t own a car?” the answer is most likely “yes.” If you want to drive you still need car insurance without a car.

Non-owner SR-22 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 SR-22 auto insurance. Information about your state’s requirements can be easily found. For example, requirements for non-owner SR-22 insurance in Missouri can be found on their Department of Revenue’s website.

When buying SR-22 car insurance for your own car, it functions as a normal car insurance policy. SR-22 insurance is a higher risk type of car insurance available for drivers who have been convicted of driving under the influence. When buying SR-22 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 SR-22 Insurance Cover?

What does SR-22 cover? When you buy non-owner SR-22 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 SR-22 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 SR-22 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 SR-22 Insurance Not Cover?

Non-owners SR-22 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. Twelve 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 SR-22 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 SR-22 insurance. In some cases, it 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 SR-22 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 SR-22 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. In fact, not all states require SR-22 insurance. Check out the graph below to see if your state requires SR-22.

SR-22 Auto Insruance Requirements by State
StatesIs SR22 Required?
New HampshireYes
New JerseyYes
New MexicoNo
New YorkNo
North CarolinaNo
North DakotaYes
Rhode IslandYes
South CarolinaYes
South DakotaYes
West VirginiaYes
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As you can see, non-owner SR-22 car insurance is required in most states, though there are many exceptions.

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What Happens If I Miss a Payment on an SR-22 Insurance Policy?

Whether the SR-22 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 SR-22 car insurance policy, then you may face the following consequences:

  • Your license may be suspended immediately
  • Your SR-22 filing period will start over
  • You may need to pay a license reinstatement fee to your DMV

Now that you know a little more about SR-22 Insurance, read on to learn about purchasing it.

How to Buy SR-22 Car Insurance

Most major car insurance companies provide some type of SR-22 car insurance coverage. By shopping around for car insurance policies today, you should be able to find the SR-22 car insurance that works for you.

Here’s a look at how a single DUI, or other violation, can affect your auto insurance rates.

Average Annual Auto Insurance Rates by Driving Record
CompaniesRates with a
Clean Record
Rates With
One Accident
Rates With
Rates With One
Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
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How much is SR-22 insurance? The average cost of SR-22 insurance depends on which state you live in and the insurance company you are purchasing it from.

Is SR-22 a one-time fee? No, it is part of your monthly or annual auto insurance rate. 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.

You can also enter your ZIP code below to find a quote on SR-22 insurance today.

Compare car insurance quotes online today using our simple online form. Whether you need non-owners SR-22 insurance or DUI/DWI car insurance for your own vehicle, you can easily find car insurance policies to suit your budget and lifestyle.

Frequently Asked Questions: Non-Owner SR-22 Auto Insurance

Below are a few more questions you may have when it comes to SR22 auto insurance.

How do I find out if I still need an SR-22?

The best thing to do is to contact your local Department of Motor Vehicles. They should be able to answer any questions about your current driver status.

Do you need insurance to drive?

Yes, In most states across the U.S. you will need auto insurance to drive any vehicle.

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