Which Type of SR22 Do You Need?
If you’ve been required to file an SR22, you may hear about two different types: standard SR22 insurance and Non-Owner SR22 insurance. Understanding the difference can help you choose the right policy based on whether you own a vehicle.
What Is a Standard SR22 Policy?
A standard SR22 policy is attached to a vehicle you own. It provides the required liability coverage while also filing the SR22 certificate with the state.
This type of policy is usually required for drivers who:
- Own a car
- Drive their vehicle regularly
- Need insurance to reinstate their license
What Is Non Owner SR22 Insurance?
A Non-Owner SR22 policy is designed for drivers who do not own a vehicle but still need to file an SR22 with the state.
These policies allow drivers to meet state insurance requirements while driving vehicles they do not own.
Non-Owner SR22 policies are commonly used by drivers who:
- Sold their vehicle after a suspension
- Occasionally drive borrowed vehicles
- Need to maintain SR22 coverage but do not own a car
Key Differences
| Feature | SR22 Policy | Non Owner SR22 |
|---|---|---|
| Requires vehicle ownership | Yes | No |
| Covers a specific vehicle | Yes | No |
| Typically cheaper | No | Yes |
| Used for license reinstatement | Yes | Yes |
Non-Owner SR22 policies are often one of the most affordable ways to satisfy SR22 requirements.
Get a Non Owner SR22 Quote
Upstate’s Choice Insurance helps drivers find affordable SR22 options including Non-Owner SR22 policies.
👉 Start a quote today:
https://www.upstateschoice.com/