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Guide to SR-22 Non-Owner Policies

non owner sr22 insurance quote

Having too many violations on your driving record is mentally draining and consequential. Depending on the severity of these instances, the state may deem you a high-risk driver and revoke your license. However, you may still need insurance coverage to avoid costly payouts if you are involved in a traffic accident.

Insured ASAP is here to help! You need SR-22 coverage if you have a suspended or revoked driver’s license. We’ll help you find affordable SR-22 policies to get your license back. If you want to learn more about SR-22 coverage, what it is, and how it can help, read below.

What is Non-Owner SR-22 Coverage?

An SR-22 policy confirms a driver has sufficient car insurance that meets state requirements. A non-owner SR-22 certificate applies to those who need auto insurance but do not, or cannot, own a vehicle. Since Illinois prohibits driving without insurance, an SR-22 policy counts as your non-owner car insurance policy.

When Would You Need a Non-Owner SR-22?

SR-22 coverage is a type of owner’s insurance policy that the state will recognize as financial responsibility insurance. Therefore, you must meet certain requirements to qualify. Those who need SR-22 coverage are drivers with numerous violations on their driving records, such as

  • DUIs and DWIs
  • Multiple traffic violations within a short period, such as reckless driving or speeding
  • History of at-fault traffic accidents without bodily injury liability or property damage liability insurance
  • Driving without a license

Additionally, you must file a Non-Owner SR-22 if you do not own a car.

How to Get Non-Owner SR-22 Insurance

Obtaining SR-22 coverage without a vehicle involves several SR-22 requirements. For example, you must pay an SR-22 insurance quote to file the SR-22 form. This cost varies by the insurer but is typically cheaper than standard auto insurance.

Having traditional auto insurance and an SR-22 may increase your insurance rates. However, these rates decrease after you no longer need SR-22 coverage.

Find Cheap Auto Insurance Today!

If you need an SR-22 non-owners policy in Illinois, call us at 800-641-7488. Our operators await your questions or concerns. After filing for SR-22 coverage, contact us for auto insurance. We look at various insurance companies to find the best rates possible.

Insured ASAP helps everyone maintain liability coverage for traffic accidents, at-fault incidents, and environmental disasters. We find affordable rates you’ll appreciate. With Insured ASAP, you’ll have SR-22 coverage and other auto insurance in no time!

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