Non-Owner SR-22 Insurance

It is for drivers who need to keep an SR-22 on file but do not own a vehicle, either because a car was sold or impounded, because they use rideshare or transit most of the time, or because they only occasionally borrow a friend’s or co-worker’s car. It is also common for drivers who want to lift a suspension before buying their next vehicle.

A non-owner policy provides bodily injury and property damage liability when you drive a covered vehicle you do not own. It generally does not cover damage to the vehicle you were driving, does not include comprehensive or collision, and does not include roadside assistance or rental reimbursement. It is coverage of you, not of a car.

Non-owner policies generally exclude vehicles you own, vehicles registered in your household, and vehicles “regularly available” to you — for example a spouse’s car you drive daily. If any of that describes your situation, you likely need an owner’s policy that lists you as a driver, with the SR-22 filed on it.

Because there is no vehicle on the policy, there is no physical damage cost to rate. Rating still reflects your driving record, the violation that triggered the filing, how recent it is, your ZIP code, your requested limits, and the insurer’s own view of risk. It is often less expensive than a comparable owner’s policy for the same driver.

Identically to an owner’s policy. The Illinois-licensed insurer transmits the SR-22 electronically to the Secretary of State, and files an SR-26 if the policy cancels or lapses. The type of underlying policy does not change the state filing.