If you’ve been ordered to file an SR22 but don’t currently drive or own a car, you’re not alone — and yes, you may still need SR22 insurance even if you don’t drive.
Courts and state DMVs can require an SR22 after serious driving violations, even if you’re not currently behind the wheel. In Illinois and many other states, you might need to carry non-owner SR22 insurance to reinstate your license or keep it from being suspended.
What Is SR22 Insurance?
SR22 isn’t an insurance policy — it’s a state-required certificate that proves you carry the minimum required auto insurance. It’s often required after:
- A DUI or DWI
- Driving without insurance
- License suspension or multiple traffic violations
Even if you don’t own a vehicle, you can still be required to file an SR22 with the state to keep your license valid.
Do I Need SR22 Insurance If I Don’t Have a Car?
In many cases, you do need SR22 insurance even if you don’t have a car.
If you’ve been ordered to carry SR22 insurance but don’t own a vehicle, you’ll need what’s called a non-owner SR22 policy. This type of coverage meets state requirements and allows you to legally drive borrowed or rented vehicles.
It’s ideal for people who:
- Don’t own a car
- Drive occasionally
- Are between vehicles
What Does Non-Owner SR22 Insurance Cover?
Non-owner SR22 insurance provides liability-only coverage, which protects others if you cause an accident while driving a non-owned vehicle.
It typically includes:
- Bodily injury liability
- Property damage liability
Optional medical payments or personal injury protection (depending on your state)
In Illinois, the minimum coverage is $25,000 for injury to one person, $50,000 per accident, and $20,000 for property damage.
Other SR22 Options If You Plan to Own a Car
If you might purchase a vehicle soon, consider these alternative SR22 options:
- Owner SR22: Covers a specific vehicle you own
- Owner-Operator SR22: Covers both owned and non-owned vehicles
Operator SR22: Covers you when driving non-owned vehicles only
Ask your agent which certificate best fits your driving situation.
How to Get Non-Owner SR22 Insurance
Getting covered is easy with the right provider:
- Contact an insurance agency that offers non-owner SR22 coverage.
- Confirm you’re eligible — some regular-use vehicles may disqualify you.
- Get a quote, compare pricing, and file your SR22 through the insurer.
At Insured ASAP, we can file your SR22 electronically the same day in most cases.
How Much Does SR22 Insurance Cost Without a Car?
Here’s a breakdown of expected costs:
- SR22 Filing Fee: $15–$25
- Annual Premiums: $200–$700 depending on your driving history
- Average in Illinois: About $450/year for non-owner SR22 coverage
Your price will vary based on factors like age, violation type, and location.
I Need an SR22 But Don’t Drive — What Now?
Even if you’re not currently driving, the state may still require an SR22 to reinstate your license. The good news? You don’t need to own a car to get covered.
At Insured ASAP, we make it easy to get non-owner SR22 insurance. We work with high-risk drivers across Illinois to get them back on the road — legally and affordably. Call now for a fast, free quote!
