Who Needs Non-Owner SR-22 Insurance in California?
You may need a non-owner SR-22 policy if:
- Your license was suspended and you need to reinstate it, but you don't own a car
- You rely on public transportation, ride-sharing, or borrowing vehicles
- You need to maintain continuous SR-22 coverage even without a vehicle
- You are between vehicles and need to keep your SR-22 active
- A court or the DMV requires SR-22 but you have no car to insure
Owner SR-22 vs. Non-Owner SR-22 — What's the Difference?
Owner SR-22
For drivers who own a vehicle. The policy is tied to your specific car and covers it for liability. Required if you own and drive your own vehicle.
Non-Owner SR-22
For drivers who do not own a vehicle. Provides liability coverage when driving cars you don't own. Generally less expensive than owner policies.
What Does Non-Owner SR-22 Cover?
Non-owner SR-22 insurance provides liability coverage — meaning it covers damage or injury you cause to others while driving a vehicle you do not own.
It does not cover:
- Damage to the vehicle you are driving (that vehicle should be covered by its owner's policy)
- Your own medical expenses
- Vehicles you own (you would need an owner policy for that)
How Much Does Non-Owner SR-22 Cost in California?
Non-owner SR-22 policies are generally less expensive than owner policies because there is no specific vehicle to insure.
At Sanctuary Insurance Services, non-owner SR-22 policies start from $15/month. Your exact rate depends on your driving record and the nature of the violation that triggered the SR-22 requirement.
How to Get Non-Owner SR-22 Insurance in California
Sanctuary Insurance Services offers non-owner SR-22 policies with same-day electronic filing with the California DMV. You can get a quote and purchase your policy online in minutes, or call us at 949-629-7836 during business hours.
The process takes under 15 minutes. You receive email confirmation of your SR-22 filing immediately after purchase.