Do I need a car to get SR-22 insurance?

You do not need a car to get SR-22 insurance. If you’re required to get SR-22 car insurance and you don’t own a car, it can save you a lot of money to get a non-owners auto insurance policy instead. Non-owners car insurance gives you minimum liability and medical payment coverage without the expensive rates that come with SR-22 auto insurance. Learn more and compare quotes for non-owners insurance below for free.

Compare Cheap Car Insurance Quotes

 Secured with SHA-256 Encryption

Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

Full Bio →

Written by

Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

Full Bio →

Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 29, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Things to know...

  • An SR-22 is a certificate of insurance that’s sometimes required when you have a spotty driving history
  • It’s most common for SR-22 filings to be required when you have a DUI or other serious infractions on your record
  • If you’ve ever been convicted of driving without insurance, you could be forced to file an SR-22 to keep your license
  • An SR-22 isn’t an actual type of insurance. It is an electronic filing showing that you have consistent coverage
  • If you’re required to file an SR-22, you need to.

When you own a car, the state wants to know that you’re properly insured. This is why many state officials have started to fund the development of electronic verification systems that notify the department in real time when a car’s insurance lapses.

Unfortunately, not all states can afford these programs and that’s why they focus on verifying that all risky drivers have coverage with SR-22 filing requirements.

If you’ve never been pulled over by an officer and cited for violating any type of driving law, you don’t have to worry about SR-22s and whether or not you need one.

It’s the drivers who have less than perfect driving histories who may be required to submit SR-22 filings just to keep their driving privileges.

Compare car insurance today and see if you could save on high-risk coverage.

Here’s what you need to know about SR-22s:

What is an SR-22?

An SR-22, in short, is a certificate that’s filed by auto insurance companies.

It differs from the standard proof of insurance that drivers keep in their dashboards because it’s filed directly with the Department of Motor Vehicles to show the agency that high-risk drivers have insurance that will pay for a minimum amount of third-party damages.

You can’t fill out a filing form and submit it to promise that you have insurance.

Since judges only order people who are severely at risk of having a loss to fulfill the SR-22 requirement, the insurer that you’ve purchased insurance through must file the proof for you when you buy your insurance and then again when the policy renews.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

When could you face being assessed an SR-22 filing requirement?

You always need insurance but you only need your insurer to file a certificate of financial responsibility to vouch for you when you’ve done something against the law in the past.

It’s important to notice that not all states have SR-22 requirements for drivers with any types of convictions but many do.

There are a few different convictions you could be guilty of that could lead to the judge ordering you to file an SR-22 so that you can keep your license. A basic speeding ticket or rolling through a stop sign isn’t going to cost you in the form of a filing.

The following convictions are taken much more seriously:

How much will an SR-22 filing cost you?

It’s not the SR-22 that costs you a fortune in insurance premiums, it’s your driving record. Most companies will only charge you a small administrative fee between $25 and $50 to print you a filing and to submit it to the DMV.

Unfortunately, not all auto insurance companies will issue SR-22s because of their underwriting requirements.

The fee might not sound too bad, but there’s a strong chance that you’ll pay a surcharge for the ticket on your record and you’ll lose your Good Driver Discount for having a serious conviction on your MVR in the last three to five years.

The surcharge and the loss of the discount can double or triple your premiums.

What happens if you don’t file an SR-22?

If you decide that you don’t want to file an SR-22, you’ll still pay the consequences. Since SR-22 filings are court orders, you’re choosing not to comply with an order given by the judge when you don’t file your SR-22.

You’re only going to be given a certain amount of time to contact a carrier and have them file your certificate.

If the filing isn’t turned in in a reasonable amount of time, your driving privilege will be suspended or revoked. You won’t be able to reinstate your license until you have your SR-22 and a reinstatement fee.

This means it will just wind up costing you more in fees and more in your insurance costs because suspensions will raise your rates even higher.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

Can you be required to file an SR-22 when you don’t own a car?

You don’t have to own a car to drive one. Many people borrow their friends’ cars to drive around town or to go to work.

If something happens and you’re arrested for DUI or another type of serious infraction, you could be forced to show that you have mandatory insurance in your name even though you don’t own a vehicle.

If you need an SR-22 and you don’t own a car, don’t just go out and buy one. That is one solution to finding insurance, but it’s an expensive solution and an unreasonable one. Instead of going that far, consider buying a non-owner’s car insurance policy.

This policy includes only liability coverage and sometimes medical payments coverage to protect you.

Check the Insurance Company’s Underwriting Guidelines

Companies that sell nonowner’s policies are specialists in the industry. They set their own requirements and they also decide how much coverage they will offer.

Since some carriers will only sell insurance to people with preferred records, you may have to do some research to find carriers who sell SR-22 policies specifically.

An SR-22 specialist will issue you a policy with a bad record and a suspended license as long as you can prove it will be reinstated. You’re still going to pay an inflated rate for the SR-22 policy when you don’t have your own car.

You don’t need to own a car to comply with SR-22 laws. If you’ve gotten into trouble driving in the past, don’t get in more trouble by driving without insurance. Get online quotes to compare rates right here and then you’ll be a step closer to filing your SR-22 that’s required.

Compare Cheap Car Insurance Quotes

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption