California Non-Owner SR-22 Insurance
Select Insurance Group provides non-owner SR-22 coverage in California. Non-owner SR-22 insurance is liability coverage for a licensed driver who does not own a vehicle. If you plan to drive someone else’s vehicle, choose Select Insurance Group to find the best California non-owner insurance coverage for your situation.
What Is Non-Owner SR-22 Insurance?
Non-owner SR-22 insurance is a unique type of coverage for licensed drivers without their own vehicles. Unlike traditional auto insurance, a non-owner SR-22 is a form that your insurance company will file on your behalf as proof that you have your state’s minimum amount of liability coverage.
Non-owner SR-22 plans cover injury and property damage. However, non-owner insurance does not cover the vehicle you are driving.
There are a few situations in which you would need to file a non-owner SR-22 form in California. The most common is as a result of having your driver’s license suspended.
In order to have your suspension lifted, California will require you to maintain SR-22 coverage that meets the state’s minimum dollar amounts and time requirements. California requires a non-owner SR-22 to reinstate a license after a violation like driving under the influence, vehicular assault, hit and run, driving without insurance and other related offenses.
You may also consider filing a California non-owner SR-22 if you frequently borrow or rent a vehicle and do not own your own.
California Non-Owner SR-22 Requirements
When California requires you to obtain SR-22 coverage as a non-owner, you’ll have to start a plan and maintain it for three years. Any lapse in coverage or early cancellation will reset the three-year window. Additionally, your coverage must meet California’s minimum financial requirements for SR-22 insurance:
- Bodily injury per person: $15,000
- Bodily injury per incident: $30,000
- Property damage: $5,000
How Much Does Non-Owner SR-22 Insurance Cost?
Because a non-owner SR-22 is a certification rather than a type of insurance, the only fee you will pay is the $15 to $25 the insurance company will request for filing on your behalf. However, your insurance rate will be higher after filing a non-owner SR-22 form. The certification signals to the insurance company that you may be a high-risk driver, so you will likely pay more for insurance for the next three to five years.
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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?
When it’s time to obtain non-owner SR-22 coverage, it helps to have an experienced insurance company on your side. At Select Insurance Group, we help our clients find the best rates by gathering quotes from multiple California insurance providers. We’ll work diligently to find the best rate for your situation. Plus, our experts will help you make sense of the complex filing process so you can feel confident that you’re fulfilling all of California’s requirements.
Select Insurance Group is here to find a California non-owner SR-22 package that suits your situation. To get started, submit a quote request form with information about your circumstance — we’ll be in touch to discuss your needs. You can also call (855) 438-7353 today and speak with an agent.
*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.