Is non-owner SR22 right for me?
Direct Answer
If you need an SR22 to reinstate your license but don't own or lease a vehicle, a non-owner policy is typically the most affordable path. It fulfills the state requirement without insuring a specific vehicle.
Non-Owner SR22 Makes Sense When
- You don't own or lease any vehicle
- You need to reinstate your license to prove eligibility (even if you don't plan to drive immediately)
- You use public transportation, rideshares, or get rides from others
- You occasionally borrow a car but don't have regular access to one
When You May Need an Owner Policy Instead
If you own a vehicle, lease a vehicle, or have regular access to a household member's vehicle, you likely need an owner policy. Carriers define "regular access" differently, but generally if a vehicle is available for your use on a daily basis, it should be on an owner policy.
Not sure which type you need? Call us at (855) 678-6977 and we'll help you determine the right coverage based on your situation.
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