Arizona Non-Owner SR-22 Insurance
Arizona residents can obtain liability insurance even if they don’t own a vehicle by filing an SR-22. Select Insurance Group provides Arizona non-owner SR-22 insurance by gathering competitive quotes from various companies. Reach out to our team to learn more about Arizona non-owner insurance coverage.
What Is Non-Owner SR-22 Insurance?
Non-owner SR-22 insurance is a form of liability coverage that you can obtain without an auto insurance package. The SR-22 verifies to the state that you have at least the minimum amount of liability coverage it requires. Your insurance company will file the non-owner SR-22 on your behalf and report any relevant information to the Arizona Department of Transportation (ADOT).
If you plan to drive a vehicle that you don’t own, it’s wise to obtain some liability coverage that will protect you in the event of an accident. ADOT may even require you to file for non-owner liability coverage to lift your license suspension after a traffic offense. An SR-22 will prove that you have adequate coverage as a non-owner.
When Do I Need a Non-Owner SR-22 Plan?
There are two primary reasons why you would need a non-owner SR-22 in Arizona:
- You have a driver’s license but do not own a car and plan to drive a rental or someone else’s vehicle.
- Your driver’s license was suspended after a severe violation like driving under the influence (DUI), driving without insurance, accumulating too many tickets or points, or driving without a license.
What Does and Doesn’t a Non-Owner SR-22 Plan Cover?
SR-22 insurance for non-owners provides liability coverage in the event of an accident. Your plan will cover two areas:
- Personal injury expenses such as medical bills
- Damage to the other vehicles or property involved in the accident
Non-owner SR-22 is a form that proves your liability coverage and is not the same as auto insurance. Your plan will not cover damage to the vehicle you are driving, nor will it cover towing or rental reimbursement.
Arizona Non-Owner SR-22 Requirements
ADOT requires non-owner SR-22 insurance to reinstate your driver’s license after a suspension. If you are required to obtain non-owner SR-22 coverage, you must maintain it for three years without canceling or allowing it to lapse. The three-year clock will reset if your coverage lapses or is canceled. Your SR-22 will prove to ADOT that your liability insurance meets at least the following criteria:
- Bodily injury per person: $15,000
- Bodily injury per incident: $30,000
- Property damage: $10,000
How Much Does Non-Owner SR-22 Insurance Cost?
The insurance company may charge $15 to $25 to file your SR-22. The cost of non-owner SR-22 insurance in Arizona is less than that of SR-22 coverage for vehicle owners.
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Contact Our Licensed Insurance Agents
Our licensed SR-22 insurance agents are here to answer all your questions and take your application over the phone. Call us at (855) 438-7353.
Why Choose Select Insurance Group?
Select Insurance Group is here to help you find an affordable non-owner SR-22 plan. We’ll work diligently to navigate Arizona’s non-owner SR-22 requirements and ensure your plan meets them. Your agent will pull Arizona-specific non-owner insurance quotes from various companies to find the best option for your situation.
When you need a unique liability covered, it’s good to have an experienced insurance team in your corner, so work with Select Insurance Group. Give us a call at (855) 438-7353 or request a quote online to get started!
*The information provided on this website has been developed by Select Insurance Group for educational and informational purposes. We do our best to ensure that this information is current and accurate, however the information might not be applicable to all situations. Coverage and rates subject to terms, conditions and availability. Policy issuance is subject to qualifications.