Non-Owner SR-22 Insurance California
The cheapest way to reinstate your license if you don't own a vehicle. Learn how non-owner policies work and how much you can save.
What is Non-Owner SR-22 Insurance?
Non-owner SR-22 is liability insurance for drivers who don't own a car but need SR-22 filing. It costs $12-$25/month—40-60% cheaper than standard SR-22—and covers you when driving borrowed or rental cars.
Non-Owner SR-22 Key Facts (California 2025)
- Starting cost: $12/month (cheapest SR-22 option)
- Savings vs owner policy: 40-60% lower premiums
- Coverage: Liability only (bodily injury + property damage)
- Perfect for: No car, use rentals/borrowed vehicles
Key Takeaway
If you don't own a car, non-owner SR-22 is the cheapest way to reinstate your license. You can convert to a standard policy later when you buy a vehicle.
Who Needs Non-Owner Insurance?
This policy is right for you if:
- You do not own a vehicle
- You do not have regular access to a household vehicle
- You need an SR-22 filing to reinstate your license
- You occasionally rent cars or borrow a friend's car
What Does It Cover?
What IS Covered
- • Injuries to others (Bodily Injury)
- • Damage to other cars (Property Damage)
- • Legal defense costs if sued
- • SR-22 Filing with the DMV
What is NOT Covered
- • Damage to the car you are driving
- • Your own injuries
- • Vehicles owned by you
- • Vehicles owned by your household
- • Commercial or business driving
Cost & Savings
Non-owner policies are significantly cheaper than standard auto insurance policies because the insurance company assumes you will be driving less frequently.
Average Monthly Cost
Starting at $12/mo
*Rates vary based on your driving record and location.
Non-Owner SR-22 FAQ
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The most affordable way to satisfy your SR-22 requirement.