California Non-Owner SR22 Insurance

What is Non-Owner SR22 Insurance?

Non-Owner SR22 insurance is a type of insurance that will fulfill the SR22 requirement for people that do not own a vehicle. This type of insurance will typically provide coverage if you are driving a vehicle that you do not own and cause bodily injury or property damage to another party. It is important to note that non-owner insurance does not provide physical damage coverage for the vehicle you are operating. The vehicle you are operating should also be insured by whoever owns it and the non-owner policy would be considered as an excess policy. Medical payments coverage can be added to a non owner SR22 policy to provide coverage for your medical expenses arising from an accident. Non-Owner SR22 policies are typically inexpensive in California because they cover a lot less than a regular auto policy would. It is important that you read your policy carefully and discuss this type of coverage with your agent to make sure you fully understand it. Many auto insurance companies do not write non-owner SR22 policies in California but we are here to help. Staybull Insurance has many markets available to help you find SR22 insurance fits your needs and your budget.

California Non-Owner SR22 Insurance FAQs

How much does non-owner SR22 Insurance cost in California? Insurance rates in California are determined by many factors including your age, location, driving record, and claims history. Non-Owner policies are typically less expensive because they cover less than a regular auto insurance.

Can I buy a non-owner SR22 policy if I have a vehicle? No, non-owner SR22 insurance policies specifically exclude vehicles you own, regularly operate, or have regular use of. If you own a vehicle you would need a regular auto insurance policy with the SR22 attached to it.

Does a non-owner policy cover me if I am operating a relatives vehicle? No, most non-owner policies specifically exclude coverage while you are operating a vehicle owned by a relative.

Why am I required to have SR22 insurance? Most states require individuals to have SR22 insurance if they have been convicted of a DUI. You might also be required to carry SR22 insurance if you did not have insurance at the time of an accident or have to many points on your driving record. The state of California considers you to be a high risk driver so they want to make sure you have insurance at all times. 

Can I buy a non-owners SR22 policy if I have a bad driving record? Yes we are able offer non-owner SR22 insurance to high risk drivers with prior accidents, claims, and tickets. 

Can I buy a non-owner policy if I am required to have an ignition interlock device? No, non-owner policies exclude coverage for any vehicle you operate on a regular basis or have regular use of. If you are required to have the ignition interlock device that is implying you have regular use of the vehicle you are having it installed on so you would not be properly covered. If you have an interlock device installed on a vehicle you should be listed as a driver on the same policy with the vehicle and the SR22.

Non-Owner SR22 Insurance Exclusions

Named non-owner policies exclude coverage for any vehicle you own, regularly operate, or have regular use of. Most non-owner policies will also exclude coverage while you are operating a vehicle owned by a relative. It is important to understand that physical damage coverage (comp and collision) is excluded for the vehicle you are operating. The vehicle you are operating should be insured by whoever owns it. Uninsured motorist and medical payments coverage can be added to a non-owner policy to provide coverage for your medical expenses arising from an accident. These are just some of the major exclusions on a non-owner policy and you should read your policy for a complete list. You should also discuss all coverage with your agent to make sure you understand what is covered by a non-owner insurance policy.