I drive my spouse's car. Do I need my own SR22 policy?
If the SR22 requirement is on your license (not your spouse's), you need to be on a policy that has an SR22 certificate filed in your name. You may be able to be added to your spouse's policy with the SR22 attached, or you may need your own policy. It depends on your carrier and state — call us to determine the best option.
Option 1: Added to Your Spouse's Policy
Some carriers allow the SR22 to be attached to your spouse's existing policy, with you listed as a covered driver. This can be simpler and sometimes cheaper. However, your spouse's rates will likely increase because the SR22 and your violation now factor into the policy.
Option 2: Your Own Separate Policy
If your spouse doesn't want their rates affected — or if their carrier won't write SR22 — you can purchase your own policy. This keeps your SR22 requirement separate from your spouse's insurance.
Non-Owner Is Usually Not the Right Fit Here
If you regularly drive your spouse's car, a non-owner policy may not be appropriate. Non-owner SR22 is designed for people who don't have regular access to a vehicle. Regularly driving a household vehicle typically requires an owner-type policy — either your own or added to your spouse's.
Call (855) 678-6977 — we'll determine the right setup based on your specific situation.
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