Can You Get SR-22 Insurance Without Owning a Car?

You may wonder about your options if you’ve been told you need to file an SR-22 in California but don’t own a vehicle. At Venegas Insurance, we understand how confusing this situation can be. Our team is here to help you navigate non-owner SR-22 insurance so you can meet state requirements and get back on the road.

What Is Non-Owner SR-22 Insurance?

A non-owner SR-22 policy is designed for individuals who don’t own a vehicle but must file an SR-22 form with the California Department of Motor Vehicles (DMV). This form is often required after certain driving violations, such as DUIs, driving without insurance or license suspensions. The SR-22 is not insurance. It’s a certificate your insurer files with the state to prove you have the required liability coverage.

Who Needs Non-Owner SR-22 Insurance?

You may need non-owner SR-22 insurance if:

• Your license has been suspended or revoked, and you want to reinstate it
• You were convicted of certain traffic offenses, but do not own a car
• You occasionally drive vehicles you do not own (such as rentals or borrowed cars)

This coverage is ideal for drivers who need to maintain their legal driving status but do not have a personal vehicle.

What Does Non-Owner SR-22 Insurance Cover?

Non-owner SR-22 insurance typically provides liability coverage, which pays for third-party injuries or property damage you cause while driving a vehicle you don’t own, up to the policy’s limits. It does not cover damage to the car you’re driving, nor does it include comprehensive or collision coverage.

How We Help California Drivers

At Venegas Insurance, we guide our clients through securing non-owner SR-22 insurance in California.

If you need to file an SR-22 but don’t own a car, contact us today to discuss your options.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.