Cheap Non-Owner SR-22 Insurance
Prices reviewed 2026-11-13
Bottom line: No car? A non-owner SR-22 policy is usually the cheapest SR-22 available, often about $35 to $80 a month, because the insurer isn't covering a vehicle.
If you need an SR-22 but don't own a vehicle, don't pay to insure one. A non-owner policy covers your liability when you drive borrowed or rented cars, and it carries the SR-22 filing.
Why it's so much cheaper
No vehicle means no collision or comprehensive coverage, and the policy pays only after the car owner's insurance. Insurers price that much lower than an owner's policy.
Who qualifies
- No vehicle is registered in your name.
- No household car is available for your regular use.
- You don't need coverage for delivery or rideshare driving.
Price examples
Lapse or points$35–$60per month
After a DUI$70–$140per month
Can I switch to an owner policy later?
Yes. When you buy a car, start the owner's policy with a new SR-22 before the non-owner policy ends, so there's no gap.
Does a non-owner SR-22 cover rental cars?
It provides liability coverage. It doesn't cover damage to the rental car itself.