Updated: March 24, 2025
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Non-owner SR-22 insurance is a type of liability coverage for drivers who don’t own a car but need proof of financial responsibility after a major violation.
The average annual cost of non-owner SR-22 insurance is $576 — $165 less than a standard SR-22 policy for car owners.
Auto-Owners and USAA offer the most affordable non-owner SR-22 policies, starting at $381 and $444 annually, respectively.
An SR-22, short for "safety responsibility," is a form added to a car insurance policy. It proves to the state that your coverage meets minimum insurance requirements. States typically require an SR-22 for drivers with severe violations like DUIs. Non-owner SR-22 insurance provides the same proof for drivers without a car.
Non-owner car insurance, also called an operator's policy, is designed for those who don’t own a car but need coverage. Non-owner SR-22 insurance verifies that drivers with certain violations meet state requirements and typically includes only minimum coverage. Depending on state laws, you may need to carry SR-22 insurance for at least three years.
Non-owner SR-22 insurance covers bodily injury and property damage liability, which pay for injuries and damage to others. It doesn't include collision or comprehensive coverage.
Bodily injury liability covers medical expenses, lost wages, and pain and suffering for the other party in an accident where you’re at fault. It doesn't cover your injuries or those of your passengers.
Property damage liability insurance covers damage to another person’s property, usually their car, and may include items inside the vehicle. It also covers damage to structures, like buildings, up to your policy's limit.
If you’re convicted of a serious driving violation, like driving without insurance or under the influence, your license may be suspended. To reinstate it, the state typically requires proof of financial responsibility through an SR-22. Non-owner SR-22 insurance serves the same purpose but is for drivers who don’t own a car and frequently drive rentals or borrow vehicles from friends or family.
A non-owner SR-22 car insurance policy covers vehicles you drive but don’t own, including cars not owned by household members. It's considered secondary coverage. If you’re in an accident while driving a friend’s insured car, their insurance serves as the primary coverage until its limit is reached, after which your policy takes effect.
Non-owner SR-22 insurance is an affordable way to prove financial responsibility and meet state insurance requirements. These policies include liability coverage, protecting you from third-party expenses like medical bills and property damage if you cause an accident.
The average annual cost of non-owner SR-22 car insurance with minimum coverage is $576. Because an SR-22 is typically required after a severe driving violation, filing one usually leads to higher premiums. While it won’t dent your savings, it can increase annual premiums by at least $162 annually.
Below are the typical non-owner SR-22 costs:
| Accident $1000-$1999 Prop Dmg | $576 |
| Clean | $414 |
*Note: An SR-22 requires a one-time filing fee, usually around $25. The exact fee and total insurance cost vary based on your state and insurance provider.
Insurers use several factors to determine premiums, including for non-owner SR-22 insurance. To find accurate rates, compare quotes from multiple providers. Start by using MoneyGeek's calculator below.
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Mar 25, 2025
| Insurance Carrier | MoneyGeek Score | Average Monthly Payment | ||
|---|---|---|---|---|
| 1 |  Capital Insurance Group | 94 /of 100 | $87 | |
| 2 |  GEICO | 82 /of 100 | $109 | |
| 3 | 83 /of 100 | $118 | ||
| 4 | 83 /of 100 | $129 | ||
| 5 | 79 /of 100 | $133 | ||
| 6 | 77 /of 100 | $151 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
In some states, insurers may offer standard policies but not non-owner SR-22 insurance. Unlike typical policies, most companies don’t provide online quotes for non-owner SR-22 insurance.
To get sample rates, you’ll need to contact carriers in your state directly. MoneyGeek simplifies this process by providing contact details for major insurers that offer SR-22 insurance for drivers without a car.
Auto-Owners offers the cheapest non-owner SR-22 insurance, averaging $381 annually. For veterans, active military members and their families, USAA is a top choice. While its rates may be slightly higher, USAA consistently provides affordable coverage and excellent customer service nationwide.
| Auto-Owners | $381 | $32 |
| USAA | $444 | $37 |
| State Farm | $603 | $50 |
| Travelers | $682 | $57 |
| GEICO | $720 | $60 |
| Allied | $742 | $62 |
| Unitrin | $771 | $64 |
| Nationwide | $872 | $73 |
| Kemper | $915 | $76 |
| Allstate | $969 | $81 |
| Progressive | $983 | $82 |
| Farmers | $1,180 | $98 |
The cheapest option may vary by state. Use the table below to find the best company in your area.
| Arizona | State Farm | $483 | $40 |
| Connecticut | State Farm | $504 | $42 |
| District of Columbia | GEICO | $404 | $34 |
| Florida | GEICO | $638 | $53 |
| Georgia | Auto-Owners | $370 | $31 |
| Idaho | Auto-Owners | $146 | $12 |
| Illinois | Auto-Owners | $319 | $27 |
| Indiana | Auto-Owners | $214 | $18 |
| Iowa | State Farm | $211 | $18 |
| Kansas | Auto-Owners | $239 | $20 |
| Kentucky | State Farm | $391 | $33 |
| Massachusetts | State Farm | $522 | $43 |
| Michigan | Travelers | $438 | $37 |
| Minnesota | Auto-Owners | $310 | $26 |
| Nebraska | Auto-Owners | $196 | $16 |
| Nevada | State Farm | $521 | $43 |
| New Jersey | GEICO | $596 | $50 |
| New Mexico | State Farm | $367 | $31 |
| New York | Kemper | $610 | $51 |
| North Carolina | Nationwide | $406 | $34 |
| Oklahoma | State Farm | $368 | $31 |
| Oregon | State Farm | $526 | $44 |
| Pennsylvania | Travelers | $344 | $29 |
| South Carolina | Auto-Owners | $460 | $38 |
| Tennessee | Auto-Owners | $295 | $25 |
| Texas | State Farm | $429 | $36 |
| Virginia | Auto-Owners | $250 | $21 |
This page covers non-owner SR-22 insurance, a cost-effective choice for drivers who don’t own a car but need to meet state requirements for financial responsibility after a major violation. With an average annual cost of $576 — $165 less than standard SR-22 insurance — it offers liability coverage for bodily injury and property damage when driving rented or borrowed vehicles. Affordable options from providers like Auto-Owners and USAA make it a practical solution for staying compliant without owning a vehicle.
We answer frequently asked questions about non-owner SR-22 insurance to help give you a good starting point.
Non-owner SR-22 insurance is a type of SR-22 policy for drivers without a car who rent or borrow vehicles.
Non-owner SR-22 policies cover only your state’s minimum car insurance requirements. Unlike full coverage insurance, non-owner SR-22 insurance covers only medical bills and property damage in an at-fault accident.
Non-owner SR-22 insurance costs an average of $576 per year — but this can vary depending on your state, provider and personal details.
Study Overview
MoneyGeek analyzed data from Quadrant Information Services and state insurance departments to calculate the average cost of non-owner SR-22 car insurance. The study also provides key insights to help readers decide if this policy suits their needs.
Data Sources and Depth
We collected 10,736 quotes across 204 ZIP codes from 319 companies. Rates were analyzed using a sample driver profile, with variations based on age, location and driving history.
Driver Profile
The standard profile for this study included:
Coverage Levels and Deductibles Explained
Coverage Example: 100/300/100
MoneyGeek's study provides clarity on insurance costs, making it easier for drivers to compare rates and coverage options.
Learn more about MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
