If you’ve been told you need an SR-22 filing, understanding which type of policy applies to your situation is critical. The two main types are Owner SR-22 and Non-Owner SR-22 — and while both satisfy state requirements, they serve very different purposes.
Let’s break down the differences so you can choose the right coverage and get back on the road fast.
What Is an SR-22?
An SR-22 isn’t actually an insurance policy — it’s a certificate of financial responsibility your insurance company files with the DMV to prove you carry the state’s minimum liability insurance.
You may need an SR-22 after:
- A DUI/DWI conviction
- Driving without insurance
- An at-fault accident without coverage
- License suspension or revocation
- Serious traffic violations or repeat offenses
Now let’s look at how the Owner and Non-Owner versions differ.
Owner SR-22 Insurance
An Owner SR-22 applies if you own a vehicle that needs to be insured.
This policy includes liability coverage (and optional comprehensive/collision) for the vehicles you drive and register in your name.
It’s required when:
- You’re trying to reinstate your license and own a car
- You’ve had a DUI or other major violation while driving your own vehicle
- You need proof of insurance to register or operate your car
Covers:
✅ Injuries or property damage you cause to others
✅ Optional coverage for your own vehicle (if added)
Does NOT cover:
❌ Other vehicles you borrow or rent
💡 Tip: If you have multiple vehicles, you’ll need each listed on your SR-22 policy.
Non-Owner SR-22 Insurance
A Non-Owner SR-22 is for drivers who don’t own a car but still need to file an SR-22 with the state.
This policy provides liability-only coverage when you occasionally drive a borrowed or rented car.
It’s required when:
- You don’t own a vehicle but need an SR-22 to reinstate your license
- You sometimes rent cars or borrow vehicles
- You want to maintain continuous insurance coverage to avoid future rate hikes
Covers:
✅ Damage or injuries you cause to others while driving a vehicle you don’t own
Does NOT cover:
❌ The vehicle you’re driving
❌ Any cars you have regular access to (such as a household vehicle)
💡 If you live with someone who owns a car you regularly drive, you’ll likely need to be added to their policy instead of buying a non-owner plan.
Key Differences at a Glance
| Feature | Owner SR-22 | Non-Owner SR-22 |
|---|---|---|
| Owns a Vehicle | ✅ Yes | ❌ No |
| Covers Borrowed Cars | ❌ | ✅ |
| Covers Your Vehicle | ✅ (if added) | ❌ |
| Filing with DMV | ✅ | ✅ |
| Typical Cost | Higher | Lower |
| Best For | Drivers who own vehicles | Drivers who don’t own vehicles but still drive |
Which One Do You Need?
Ask yourself one question:
“Do I own a vehicle I need to insure?”
- If yes, you need an Owner SR-22 policy.
- If no, a Non-Owner SR-22 is the right choice.
Either way, Upstate’s Choice Insurance can help you file your SR-22 quickly — often the same day — and get you back on the road legally and affordably.
Get the Right SR-22 Coverage — Fast
At Upstate’s Choice Insurance, we specialize in helping drivers across South Carolina, North Carolina, and Georgia secure affordable Owner and Non-Owner SR-22 policies.
Our independent agents compare top carriers to find the lowest rates, file your SR-22 instantly, and walk you through the reinstatement process from start to finish.
🚗 Don’t wait — get your SR-22 quote today and drive with confidence!
📍 www.upstateschoice.com