SR22 California NON OWNER

SR22 California Non Owner

SR22 California Non Owner:

A non-owner SR22 insurance policy in California is a type of coverage designed for individuals who do not own a vehicle but are required to show proof of financial responsibility to the state's Department of Motor Vehicles (DMV). This situation usually arises for drivers who need to reinstate their driver's license after suspension due to reasons such as a DUI, serious traffic violations, or driving without insurance, and who must meet the state's liability insurance requirements despite not owning a car.

Key Features of Non-Owner SR22 Insurance in California:

Proof of Financial Responsibility:

It serves as proof that you carry the state-mandated minimum liability insurance coverage, even though you do not own a vehicle.

Liability Coverage:

The policy typically covers liability for bodily injury and property damage caused by the policyholder while driving a borrowed or rented vehicle. It does not cover damages to the vehicle you're driving.


Non-owner SR22 insurance is generally less expensive than owner SR22 insurance because it assumes you will be driving less frequently and thus have a lower risk of filing a claim.

Fulfillment of SR22 Requirement:

SR22 California Non Owner - Filing a non-owner SR22 certificate satisfies the same requirement as the standard SR22 for drivers who need to prove financial responsibility to regain or maintain their driving privileges.

Who Needs Non-Owner SR22 Insurance in California?

You might need a non-owner SR22 policy if you:

  • Are required to file an SR22 but do not own a vehicle.
  • Want to reinstate your driver's license after suspension and need to prove financial responsibility.
  • Frequently rent cars or drive cars owned by others.

How to Obtain Non-Owner SR22 Insurance in California:

  • Contact Insurance Providers: Since not all insurance companies offer non-owner SR22 policies, you can contact FR44 * SR22 Experts. It's important to compare quotes from different providers to find the best rate so we shop all our insurance providers to find you the very best rate. We do this quickly and efficiently, saving you time and effort.
  • Provide Necessary Information:Our insurance providers will likely request details about your driving history and the SR22 requirement to accept your application - you can provide this information in our quote form or while speaking with one of our agents.
  • File the SR22 Certificate: Once you purchase a policy, FR44 & SR22 Insurance will file the SR22 certificate with the California DMV on your behalf. This is done electronically ad complies with the California DMV requirements.


Driving Restrictions: The non-owner policy covers you only when driving vehicles not owned by you or members of your household. If you acquire a vehicle, you must inform your insurer to adjust your coverage.
Period of Requirement: The typical duration you need to maintain an SR22 in California is three years, but this can vary depending on the reason for the suspension and any additional legal requirements.
Non-owner SR22 insurance in California offers a solution for individuals who need to fulfill the state's financial responsibility requirement but do not own a vehicle. Understanding your obligations and exploring your options with various insurers can help you navigate this requirement more smoothly.