Jessica Sautter has a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around auto insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Reviewed by Natasha McLachlan
Content Writer Natasha McLachlan

UPDATED: Oct 1, 2020

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You may be inclined or required to purchase non-owner car insurance if you’re trying to obtain a driver’s license, or your driver’s license has been suspended and you want to be reinstated. This policy is not offered by all insurance companies and necessitates you get in touch with an insurance agent to process the details.  As to the non-owner car insurance cost, here are the facts.

Cost of Non-Owner Car Insurance

How Much Does It Cost?

How much is non-owner SR22 insurance? That’s the question you’re probably asking right now, and the answer is it varies per state. As a rule, though it’s not as expensive as your typical car insurance policy because the general view is individuals who don’t own cars are less of a risk. That being said there are factors influence non-owner auto insurance cost, such as the following.

•    How frequently you intend to use the car
•    Geographical location is a factor
•    Your driving record
•    The extent of the insurance liability you’re after

The general rule is the cost is low if you’ve got a clean driving record and the opposite if you got violations. You will be labeled a high risk (i.e. expensive) driver if any of the following conditions applies to you:

•    Driving with no insurance
•    Committed several traffic violations within a short period
•    Reckless driving
•    A DUI arrest and conviction

An SR-22 form doesn’t increase your car insurance cost, but you may be charged a one-time fee of $25 more or less. With regards to the extent, uninsured and medical coverage are included, but the following are not.

  • Reimbursement for rentals
  • Reimbursement for towing cost
  • Collision cost
  • Comprehensive coverage

You can request free quotes from here to get a general idea about insurance cost for non-owned vehicles.

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What is the Extent of the Coverage?

Now that you know how much is non-owner car insurance is, the next question is the extent of the coverage. Again this can vary depending on the insurance company, but usually, it includes bodily injury and property damage. The liability insurance policy includes coverage for property damage and injuries that you’re liable for in the event of a car accident.

If you get a non-owner car insurance quote, you’ll notice there are different policy limits, but if the state requires you to file an FR-44 or SR-22 financial responsibility form, they will decide the coverage extent.

Who is This Insurance For?

This policy is right for you under the following circumstances:

•    You are not a vehicle owner
•    Don’t have regular use or access to a car
•    Possess a driver’s license or intending to get one

If you used to own a car but don’t have one right now, it’s a good idea to purchase a non-owner policy because it shields you from rate hikes given to car owners who don’t have auto insurance coverage, plus you become eligible for discounts. However, this only applies if you have a good, clean driving record. If you have multiple violations, this will make it hard or impossible for you to avail of these.

If your state requires an FR-44 or an SR-22 and your insurance company does not provide it, you may take a supplementary non-owner policy from another company so you can meet this requirement. One of the nice things about this approach is the cost is low as this policy does not cover your car.

How to Buy?

After determining the non-owner SR22 insurance cost if you decide to buy a policy, you will need a valid driver’s license ID and a debit or credit card. These days you can get the policy by going online, and the majority of insurance companies will file an SR-22 or other required forms for you. We can do it for you, just request free quotes from us.

•    Get an insurance quote (We offer free Auto Insurance quotes from the most reliable insures in the USA).
•    Submit the SR-22 form and other required documents.
•    Provide information about your driving record and history.
•    Once you’ve got a list of insurance quotes to compare, choose the one that meets your requirements.

Compare quotes from the top car insurance companies and save!

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Looking for Auto Insurance Quotes?

We provide free non owner car insurance cost quotes, and by comparing the facts and figures from various insurance companies in the USA you’re assured of getting the right numbers. If you’re after insurance quotes, just contact us.