Non-Owner SR-22 Insurance

Non-Owner SR22 Insurance

If you are told by the Department of Licensing that you need to get an SR22, SR-22 insurance, or an SR 22 filing even though you don’t own a car, would you know what to do? Mid-Columbia Insurance can help you find the insurance you want at a price you can afford.

Request An SR22 Auto Quote

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Disclaimer: By requesting a quote, I am providing my express written consent to Mid-Columbia Insurance to work up an insurance quote for me and to contact me by phone, text message, and email at the phone number and email address provided. Additionally, I acknowledge that I have read, understood, and agree to Mid-Columbia Insurance’s Privacy Policy.

What Is Non-Owner SR-22 Insurance?

Non-owner SR22 insurance is designed for persons who need to carry car insurance but don’t have regular access to a vehicle, either owned or non-owned. The drawback to a non-owner car insurance policy is that it won’t provide liability coverage if you are driving a vehicle registered to you, a vehicle parked at your address, or a vehicle provided for your regular and/or frequent use.

Because Washington state also has a broadform named driver policy policy, which provides broader liability coverage, the only real use case for a non-owner policy is if you are going to keep your primary insurance in force to cover your real liability insurance needs and use the Non-Owner SR 22 Insurance just to handle your SR22 auto insurance requirement.

There really is no such thing as SR-22 insurance. It is just a shorthand way of saying you need an SR22 attached to your auto insurance coverage and an SR-22 is just the form filed with the state to prove you have current insurance, ie to verify your financial responsibility. The SR22 is added to your insurance policy, whether it is a non-owner insurance policy, a broad form insurance policy, or a regular car insurance policy.

How Much Is Non-Owner SR 22 Insurance?

Non-owner SR22 insurance rates, like all insurance, will depend on your age, your driving record, your home address (zip code), and how much coverage you want. Adding the SR22 to the non-owner policy will usually add less than $5 per month to the insurance premium.

A non-owner policy will usually be the cheapest car insurance policy available because it rarely has to pay a claim since it is always secondary to the car owner’s insurance and the limitation on what cars you are actually covered to drive.

How Can I Get The Cheapest Non-Owner SR-22 Insurance?

The best way to get cheap non-owner SR-22 insurance quotes is to do what you would to find an affordable regular car insurance policy – compare rates from multiple insurance companies. Mid-Columbia Insurance can do the shopping for you and let you know which insurance company offers the best rates and options.

We represent a number of insurance companies that specialize in SR22 insurance. SR-22 non-owners policies are available from these insurance companies that we represent:

  • Dairyland
  • National General
  • Kemper Specialty
  • Bristol West
  • Progressive
  • The General
  • Safeco

When Is Non-Owner SR22 Insurance Right For Me?

Usually a Broadform policy is a better choice if you don’t own a car but need SR22 insurance. Non-Owner SR-22 insurance should only be considered by those who:

  • Need an SR 22 filing,
  • Already have all the cars they drive covered by other insurance, and
  • Are not worried that the insurance and therefore the SR22 filing is not valid on most cars they are driving.

Can You Help With A DUI or DWI?

Yes, we can. If you don’t own a car but have incurred a major violation such as DUI or DWI, we can help you find an affordable, responsible way to satisfy the SR22 requirement. We can help you decide if a non-owner policy or a broadform policy is your best option and get your SR22 filed with the state so you can get back on the road.

Be Careful Where You Request Your Quotes

Lead Generation Companies pollute internet search results. They advertise with click-bait titles like “Less than $19 per month” but they don’t really sell insurance — they sell your information. If you fill out their form, they will sell your information to a dozen or more insurance agents and insurance companies and your phone and email will blow up for the next month or more.

Before putting your phone number and email on any form, click the about us tab and find out if you are dealing with a licensed insurance broker or an information broker pretending to offer you great rates.

By getting your quotes through a licensed insurance broker, such as Mid-Columbia Insurance, we can shop the rates for you with multiple SR22 insurance companies. With over 25 years of experience in helping our clients with SR22 insurance, we can help you find the answers you need along with some great SR-22 insurance rates.

Fill out our quote form or speak to one of our licensed insurance specialists at (509)836-2700 and you can get coverage started in as little as 15 minutes.

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