Need an SR-22
But Don’t Own a Car?
You may still be able to get the coverage you need. A non-owner SR-22 policy can provide the liability coverage and SR-22 filing you need, even if you don’t own a vehicle.
🔒 Your information is used only to help provide your insurance quote. We do not sell your information.
Who Needs a Non-Owner SR-22 Policy?
A non-owner SR-22 policy may be a good option if you need an SR-22 filing but don’t own a vehicle. It can help you meet Colorado’s insurance requirements while providing liability coverage when you occasionally drive a vehicle you don’t own.
🚫 You Don’t Own a Car
You need an SR-22 but do not currently own a vehicle.
🚗 You Occasionally Drive Other Vehicles
You sometimes drive a vehicle you don’t own, such as a family member’s or friend’s car.
🪪 Your License Was Suspended
You need proof of insurance to satisfy requirements related to reinstating your driving privileges.
⚖️ You Had a DUI or DWAI
You may be required to maintain an SR-22 following certain driving violations.
How Non-Owner SR-22 Insurance Works
A non-owner SR-22 policy provides liability coverage to protect others if you cause an accident while driving a vehicle you don’t own. We file the SR-22 with the Colorado DMV on your behalf and help you keep your coverage active for the required period.
1. Get a Quote
Fill out our short form and get a fast, free quote.
2. Get Covered
Choose your policy, and we will file your SR-22.
3. Stay Compliant
Keep your coverage active for the required time.
4. Get Back on Track
Maintain coverage and move forward with confidence.
Non-Owner vs. Owner SR-22
Non-Owner SR-22
✓ For drivers who don’t own a vehicle
✓ Provides liability coverage
✓ Typically costs less than an owner policy
✓ Includes required SR-22 filing
✓ Covers you when driving non-owned vehicles
Owner SR-22
✓ For drivers who own a vehicle
✓ Provides liability coverage
✓ Typically costs more than non-owner coverage
✓ Includes required SR-22 filing
✓ Covers the vehicle you own
Non-Owner SR-22 FAQs
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Yes. If you do not own a vehicle, you may be able to purchase a non-owner auto insurance policy that includes the required SR-22 filing.
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Non-owner insurance provides liability coverage for drivers who do not own a vehicle. If an SR-22 is required, the filing can be added to the policy as proof that you carry the required insurance.
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No. A non-owner policy is designed for drivers who do not own a vehicle. If you purchase or regularly use a vehicle you own, you may need a standard auto insurance policy instead.
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A non-owner policy may provide liability coverage when you occasionally drive a vehicle you do not own. Coverage can vary by policy, so make sure you understand what is included before driving another vehicle.
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Contact your insurance agent before driving the vehicle. You will usually need to replace the non-owner policy with an auto insurance policy that covers the vehicle and continues the required SR-22 filing.
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It can be less expensive than a traditional auto policy because you are not insuring a specific vehicle. Your price will still depend on factors such as your driving record, location, and insurance history.
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Once your policy is purchased, the SR-22 filing can usually be submitted electronically to the Colorado DMV. Processing times may vary.
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The required period depends on your individual situation and Colorado DMV requirements. It is important to keep continuous coverage for the entire required period.
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If you cancel the policy while you are still required to maintain an SR-22, the insurance company may notify the Colorado DMV. This could result in another suspension of your driving privileges.
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No. Filing an SR-22 may be only one part of the reinstatement process. You must complete any additional requirements from the Colorado DMV before your driving privileges are restored.
Ready to Get Your Non-Owner SR-22
Getting covered is quick and Easy
Start your free quote now.
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