Non-Owner SR-22 Insurance Explained

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.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Insurance Feature Writer Rachel Bodine

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. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Jun 6, 2022

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What You Should Know

  • SR22 insurance is auto insurance for drivers who have been convicted of driving under the influence (DUI)
  • SR22 requirement vary from state-to-state
  • Certain DUI convictions require you to install an interlock device on your own vehicle

What is SR22 insurance and what is the difference between SR22 and regular insurance? Why would you need SR22 insurance? Quite simply, SR22 is 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 SR22 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 car 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 SR22 insurance, use our FREE tool above to find great quotes now from more than one insurance company.

How does non-owner SR22 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 coverage for your own car, it functions as a normal car insurance policy. SR-22 insurance a type of car insurance available for high-risk drivers who have been convicted of driving under the influence or reckless driving. 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 the SR22 cover? When you buy non-owner coverage, it provides you with for basic liability coverages 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 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

What does non-owner SR-22 insurance not cover?

A non-owner car insurance policy 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.

  • 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 an SR-22 non-owners policy. 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 policy 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.

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Can all drivers buy non-owners car insurance policies?

In certain cases, drivers convicted of a DUI or DWI are unable to buy a non-owner SR-22 policy. 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 an SR22 non-owners policy.

Typically, the court will explain your situation and requirements to you. The court will explain whether 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 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’s status.

How do I buy SR-22 car insurance?

Most major car insurers 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
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
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Is SR-22 a one-time fee? No, it is part of your monthly or annual auto insurance rate. Some car insurers 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 and compare average costs from multiple insurers.

Compare car insurance quotes online today using our simple online form. Whether you need SR-22 non-owners car 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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Non-Owner SR-22 Insurance Explained: The Bottom Line

A non-owner SR-22 auto insurance policy is a special kind of car insurance required by some states. If you’ve been convicted of driving under the influence (DUI), and you’re driving someone else’s car, then you may be legally required to purchase SR-22 insurance for the vehicle.

If you’re convicted of a DUI, your license may be suspended. You may be able to legally borrow someone else’s car. Some states allow you drive someone else’s car without any additional paperwork.

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