Can You Get SR22 Insurance Without A Car?

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Discussing Insurance Coverage Hello, my name is Linda Suzanne. Welcome to my website about insurance. When I was first living on my own, I went without many different forms of insurance due to budget constraints. Unfortunately, luck was not on my side, so that decision did not serve me well. After suffering several major financial losses, I looked into affordable insurance options that would protect me from further complications. On this site, I want to help everyone understand how to acquire the insurance coverage that works best within their budget. Thank you for coming to visit my site. I invite you to come back often to learn more.


If you have ever been in an accident, received a DUI, or had any other serious traffic violation, you may have come across the term 'SR22 insurance'. Also known as high-risk or non-owner car insurance, SR22 insurance is a requirement in most states for drivers deemed a higher risk.

But you may wonder if you can acquire this type of insurance if you don't own a car. So read on to understand if you can get SR22 without a car and how to do it.

What Is SR22 Insurance?

SR22 insurance is a certification that confirms the holder has sufficient insurance coverage. This insurance form is primarily meant for those convicted of a traffic violation, such as DUI, and whose license has been suspended. The certification also proves that you are financially responsible and can cover any damages caused by your driving actions.

Can You Obtain SR22 Insurance Without a Car?

You don't necessarily need to own a car to obtain SR22 insurance. As earlier mentioned, this form is suitable for individuals who repeatedly violate traffic laws and have been deemed high-risk. Therefore, you may still need one even if the car you drive is not yours.

For example, if you are a regular renter, borrowed someone's car, or use public transport but still have had your license suspended due to traffic violations, you may need a non-owner SR22 insurance policy.

In the same way, if you sold your car after receiving a traffic violation and aren't planning to purchase another one just yet, you would still need SR22 insurance coverage.

How Does SR22 Insurance Work?

SR22 insurance is an additional cost added to your existing car or non-owner's policy, depending on your residence. The minimum requirements for this coverage vary from state to state but usually include coverage for bodily injury and property damage.

How Can You Get SR22 Insurance Without a Car?

To obtain SR22 insurance without car ownership, you need to find an insurance provider who offers non-owner SR22 policies in your residence. You should also ensure you meet all the requirements for obtaining this type of insurance.

First, if you don't have a non-owner insurance policy, you must purchase one. Then, request that the insurance company files an SR22 with your state's department of motor vehicles (DMV).

Once approved, you must keep your SR22 policy active for a specific period per your state's requirement to maintain compliance with the law.

SR22 insurance is handy for those who have been cited for serious traffic violations and need to prove that they can cover any damages related to their driving. So, whether you have a car or not, look for an insurance company that offers SR22, purchase the policy for financial protection, and comply with your state's laws. For more information on SR22 insurance, contact a company near you.

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