Can I Get SR-22 Insurance Without a Car?
Yes, you can get SR-22 insurance without a car. Although you may think that you need to own a vehicle to get SR-22 insurance, this is not the case. SR-22 insurance is a type of liability insurance that is required by some states for drivers who have been convicted of certain traffic violations. If you have been convicted of a traffic violation that requires you to have SR-22 insurance, you can still get this type of insurance even if you don’t own a car.
What is an SR-22 form?
An SR-22 form is a certificate of financial responsibility that is required by some states for drivers who have been convicted of certain traffic violations. The purpose of the SR-22 form is to ensure that drivers who have been convicted of traffic violations have adequate liability insurance in place.
The amount of liability insurance required for an SR-22 form varies from state to state. However, most states require drivers to have at least $50,000 in bodily injury liability coverage and $25,000 in property damage liability coverage.
If you are convicted of a traffic violation that requires you to have an SR-22 form, you will need to provide proof of your SR-22 insurance to your state’s Department of Motor Vehicles (DMV). You will also need to keep your SR-22 insurance policy in effect for the length of time that is required by your state.
When might I need an SR-22 form?
You might need an SR-22 form if you have been convicted of any of the following traffic violations:
- Driving under the influence (DUI)
- Driving while intoxicated (DWI)
- Reckless driving
- Leaving the scene of an accident
- Driving with a suspended or revoked license
If you are convicted of any of these traffic violations, your state’s DMV may require you to have an SR-22 form in order to reinstate your driver’s license.
SR-22 Insurance Without a Car
You don’t need to own a car to get SR-22 insurance. In fact, you can have an SR-22 even if you don’t have access to a car. This is because having a driver’s license means you’re legally able to drive at any time, whether you own a car or not.
If you’ve been ordered to get an SR-22, you’ll still need to fulfill that requirement even if you don’t have a car. Here’s how it works.
Getting SR-22 Insurance Without a Car
Getting an SR-22 without a car is possible, but it requires a different type of insurance policy. You will need to get non-owner car insurance, which protects you if you get behind the wheel of a friend or family member’s car.
Non-owner car insurance is usually more affordable than traditional car insurance, but not if you need an SR-22. Requiring an SR-22 is an immediate red flag to an insurance provider and shows that you are a higher risk to them. This means they will likely charge more in premiums to help cover that risk.
Not all car insurance providers are willing to insure someone that needs an SR-22, even if they don’t have a vehicle. But if you can find one, here are the steps you would follow for how to get an SR-22 without a car:
- Receive court order to get an SR-22.
- Find a non-owner insurance policy (make sure to be transparent that you will need an SR-22) and pay your first premium.
- Request the SR-22 form and pay the required filing fee (this varies by insurance provider).
- Wait for approval from your state.
If you already had insurance before being required to have an SR-22 form, you may be able to add it onto your current policy but you will need to check that your insurance provider is still willing to insure you and provide an SR-22. Keep in mind that your rates will likely increase after this, although there are steps you can take to reduce them.
What Does SR-22 Mean?
An SR-22 is a document that proves you have the minimum amount of car insurance required by your state. It’s not a form of insurance, but rather proof that you’ve met your state’s requirements.
The minimum amount of car insurance you need will vary depending on your state. It typically includes liability insurance, which covers the costs of damage to other people’s property and medical expenses if you cause an accident. It may also include uninsured and underinsured motorist coverage, which protects you if you’re in an accident with someone who doesn’t have insurance or doesn’t have enough insurance.
Some states also require you to have personal injury protection (PIP), which helps to cover your medical expenses and the medical expenses of your passengers after an accident.
If you need an SR-22, you will need to purchase the minimum amount of coverage required by your state. However, you can always opt for more coverage, which is always recommended. More coverage means more financial protection, more peace of mind, and fewer out-of-pocket expenses in the event of an accident.
Finding Cheap SR-22 Insurance Without a Car
Finding cheap SR-22 insurance without a car can be tough. However, there are some ways to save money on your policy.
First, compare quotes from multiple insurers. This can be more difficult because not all insurers want to insure someone who needs an SR-22, but it’s worth it to do your research.
Second, keep a clean driving record. Avoid any further moving violations to keep your rates from jumping again.
Third, bundle your insurance plans. If you have multiple policies with the same insurer, you may be eligible for a discount.
Fourth, maintain a good credit score. Your insurance provider may use your credit score to calculate your rates.
Finally, pay your insurance on time. Even better, pay annually if you can. This shows financial responsibility to your insurance provider and makes you less of a risk.
Getting an SR22 Insurance Quote Without a Car
Getting an SR22 insurance quote without a car is similar to getting a quote with a car. The only difference is that you’ll need to be upfront with the provider about your need for an SR-22 form.
Once you’ve gathered quotes, you can choose the policy that’s right for you. Be sure to have your driver’s license, address, and previous insurance information handy.
Once you pay your first premium and your state receives the SR-22 form from your new insurance provider, you’re good to go.