How to Get Car Insurance and an SR22 When You Don’t Own a Car

You’ve probably heard about the SR22 and the headaches it can bring, but what if you don’t even own a car? Do you still need to worry about filing? The answer is yes. If you’ve been told you need to file, it doesn’t matter whether you own a car or not. But don’t stress; this is where non-owner insurance can help.

What is Non-Owner Insurance and What Does it Have to Do with the SR22?

Let’s start with the basics. Non-owner insurance is designed for folks who need insurance but don’t have a car in their name. Maybe you sold your car, or you just don’t drive regularly enough to need one. Whatever the reason, if the state has required you to file an SR22, you’ll need to prove that you have car insurance, even if you’re not behind the wheel every day.

Non-owner insurance is a special type of liability insurance that steps in when you’re driving someone else’s car. It covers the basics, like bodily injury and property damage, if you’re involved in an accident while driving a car that doesn’t belong to you. However, it doesn’t cover damages to the car you’re driving, so keep that in mind if you frequently borrow a specific vehicle.

Why Would You Need Non-Owner Insurance?

So, why would someone who doesn’t own a car need SR22 insurance? Great question! There are a few situations where this might come up. For example:

• Past Violations: If you’ve had a DUI, been caught driving without insurance, or racked up too many points on your license, the state may require you to file an SR22 to keep your driving privileges.
• License Reinstatement: If your license was suspended or revoked, you might need to show proof of insurance to get it reinstated, even if you’re not planning to buy a new car right away.
• Frequent Borrowing: If you often borrow or rent cars, non-owner insurance can ensure that you’re covered every time you drive, satisfying the state’s requirement.

In short, non-owner insurance is there to make sure you’re covered legally, even if you’re not driving your own set of wheels.

The Benefits of Non-Owner Insurance

One of the biggest perks of non-owner insurance is that it’s typically cheaper than regular car insurance. Since you’re not insuring a specific vehicle, your premiums might be lower. Plus, it’s a great way to maintain continuous insurance coverage, which can help keep your future insurance rates in check.

Another advantage? It’s flexible. Non-owner insurance follows you, not a specific car. That means you’re covered no matter what vehicle you’re driving, as long as it’s not a car you own or use regularly.

But the most important advantage is this: “compliant coverage.” Whenever you’re required to file an SR22 with the state of Colorado, you’re also required to have car insurance that meets the minimum coverage requirements of Colorado, regardless of whether or not you actually own a vehicle. Having non-owner insurance is a great way to get coverage that complies with those minimum coverage requirements! 

Get Insurance and SR22 Help

We get it — insurance can be confusing, and adding state-compliant coverage into the mix doesn’t make it any easier. But that’s where The Insurance Stops comes in. Our team understands the ins and outs of non-owner insurance and state-compliant coverage. We can help you find the right policy for your unique situation. And when it’s time to file that SR22 as proof of your compliant coverage, we’ll file the form for you so you have one less thing to worry about. It’s that easy! Get in touch with us today to learn more and claim a free consultation!