How It Works
Tell us your state and whether you need an SR-22 filing
Get matched with carriers that write non-owner policies in your state
Choose your coverage and your insurer files any required SR-22 with the state
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Non-Owner Car Insurance
Liability coverage for drivers who don't own a vehicle. Covers bodily injury and property damage you cause while driving borrowed, rented, or shared cars. Secondary to any policy on the car driven.
Non-Owner SR-22
SR-22 certificate filed without owning a car. Required in 36 states after certain violations. Filing period ranges from 6 months to 5 years; 3 years is most common.
Liability Insurance
Bodily-injury and property-damage coverage required in every state. State minimums range from $15,000 to $50,000 per person; $25,000 is most common. Non-owner policies carry liability only.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient limits. Required in 22 states. Available on non-owner policies where mandated or offered.
SR-22 Insurance
Certificate of financial responsibility filed by your carrier with the state. Required after DUI, suspended license, at-fault accidents without insurance, or repeated violations in 36 states.
Non-Standard Auto Insurance
Coverage for drivers standard carriers decline—typically after violations, lapses, or license suspensions. The General writes non-owner SR-22 in 45 states; Dairyland in 38.
