How To Get an SR-22 Without a Car | The bank rate

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An SR-22 is an insurance check form that many states require from drivers who have committed serious traffic violations, including offenses such as DUIs and hit and run. If you need to get an SR-22, understanding how these forms work and how to get them is essential. Fortunately, your auto insurance company will usually take care of most of the process. But not until you meet the conditions. While it might seem counterintuitive, you may need to get an SR-22 without a car. In these cases, you will need what is called a non-proprietary SR-22.

What is an SR-22?

These forms can cause some confusion due to the language surrounding them. SR-22 insurance is not insurance at all. Rather, it is an insurance verification form that may be required when you commit certain traffic violations. These forms prove to the state that you maintain the legally mandated amount of auto insurance coverage. The idea behind it is that some drivers present a higher level of risk on the road and therefore need to be monitored more closely. Specifically, the state uses the SR-22 to ensure that high-risk drivers maintain an adequate level of auto insurance coverage.

Why would I need an SR-22?

If you’ve been convicted of a DUI, hit-and-run, or even many less serious offenses, the state may order you to obtain an SR-22 form. This is required of drivers who have proven to be particularly high risk. Suppose your driving record shows that you are more likely to cause financial damage with a vehicle or less likely to maintain the level of auto insurance required by law. In these situations, the state may consider you a high risk driver and then ask you to file an SR-22, proving that you maintain the required amount of auto insurance.

What is a non-proprietary SR-22?

The SR-22 auto insurance forms for non-owners work the same way as a regular SR-22, except that they are associated with auto insurance policies for non-owners. Like non-owner auto insurance, a non-owner SR-22 is designed for those who drive but do not own their own vehicle. In these cases, the form shows that the driver maintains sufficient basic liability coverage for non-owners to meet state insurance laws. The state does not require that you have your own vehicle, only that you be sufficiently insured while driving.

When would I need an SR-22 without a car?

The same cases that can lead to an SR-22 can lead to needing SR-22 insurance without a vehicle. In essence, committing these traffic violations while driving a car that doesn’t belong to you may cause you to need a non-owned SR-22. Many drivers do not own a vehicle but borrow one. Auto insurance for non-owners and SR-22s for non-owners are designed for these situations.

How to get an SR-22 without a car?

Before you can purchase SR22 car-free insurance, you must meet your state’s auto insurance requirements. In most states, this is called basic liability or minimum coverage. When you don’t have a car, you need to find an insurance company that will sell you car insurance with minimum coverage for non-owners. Once you have purchased this policy, you can inform the insurance company that you need a non-owner SR-22. After a filing fee and processing time, they will provide you with one.

Here’s how to get an SR-22 without a car.

  1. First, the state must require or request that you obtain one.
  2. If you don’t have auto insurance for non-owners, find an insurance company that does.
  3. Purchase an auto insurance policy for non-owners if you don’t already have one.
  4. Inform your insurance agent that you need to file a non-owner SR-22.
  5. Pay the administrative fees and wait for the form.

What does a non-proprietary SR-22 cover?

These forms usually state basic liability or minimum coverage. The SR-22 verifies that you meet the state’s minimum auto insurance requirements and does not process coverages that exceed this requirement. For example, the SR-22 deals with basic liability coverage, but no collision or comprehensive. Most states only require basic liability, which can cover the costs of others if you are at fault in a car accident. The SR-22s verify that you meet these minimum auto insurance requirements.

Frequently Asked Questions

Who has the best auto insurance?

The best auto insurance varies among customers. Not only are rates determined by many personal variables, policies often have nuanced differences depending on the driver and the insurance company. For a good start when shopping for auto insurance, check out Bankrate’s guide to the best auto insurance companies for 2021.

Who has the cheapest auto insurance?

Insurance rates can vary widely between clients depending on many variables. Factors like age (except in HI), location, company, vehicle, driving record and more are all taken into account when insurance companies determine rates. Because the rates are so personalized, it can be difficult to select a single company as having the cheapest auto insurance. Consider comparing the insurers in the Bankrate guide to the cheapest auto insurance companies for 2021.

How Much Car Insurance Do I Need?

Every state has its auto insurance requirements. In most states, these limits are called minimum coverage or basic liability. You need at least as much auto insurance as your state requires to legally drive, but some drivers choose to purchase more. While it is not legally mandatory to buy more, the minimum coverage is not always enough to cover the costs of a car accident. One of the main reasons people develop this coverage is that your basic liability cannot cover your own medical bills or the costs of repairing or replacing the vehicle.

What are the alternatives to an SR-22?

While many states use the SR-22 insurance form, some states use different forms and others do not use any of these forms. The SR-22 is the most popular, but there are also the FR-44, SR-21, SR-22a and SR-50. Each of these forms is used for state-mandated insurance verification in specific circumstances and in certain states. A licensed insurance agent in your area should know your state’s requirements and can walk you through the process.


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