Can I get SR-22 without a car?

Yes, non-owner SR-22 policies available for those who don't own vehicles but need certification.

Yes, you can obtain an SR-22 even if you don't own a car, through what's known as a non-owner SR-22 insurance policy. SR-22 is a certificate of financial responsibility required by some states for high-risk drivers who have been involved in certain traffic violations, such as DUIs or driving without insurance. If you are required to have an SR-22, but you do not own a vehicle, the non-owner SR-22 policy can fulfill this requirement. This type of policy typically covers you when driving rental cars or borrowed vehicles, providing liability coverage without insuring a specific vehicle. It's important to note that non-owner SR-22 is generally cheaper than standard SR-22 insurance since it lacks collision or comprehensive coverage for a specific car.

Imagine John, who lives in the city and prefers using public transportation. He sold his car a year ago since he rarely used it. Recently, he was involved in a legal issue that led to the suspension of his driver's license, and he was ordered to file an SR-22 to get it reinstated. John still needs to drive a friend's car occasionally when they travel out of town. To meet legal requirements without purchasing a car, John opts for a non-owner SR-22 policy. This allows him to borrow his friend's car and drive legally, while fulfilling the court's SR-22 requirement.

If you find yourself needing SR-22 insurance but don't own a vehicle, consider purchasing a non-owner SR-22 policy. This will fulfill your legal obligations and allow you to drive rented or borrowed cars without the cost and commitment of vehicle ownership. Be sure to shop around and compare rates from different insurers, as premiums can vary. Also, always verify with the insurance company that they offer non-owner SR-22 policies, as not all providers do. By ensuring you have the right coverage, you can confidently handle your transportation needs while complying with legal requirements.