Non-Owner SR-22 for CDL Drivers

CDL holders who receive an SR-22 requirement can often use a non-owner policy to reinstate their personal driving privilege. A non-owner policy does not cover the commercial vehicles you drive for work.

How it works

The SR-22 attaches to your license, not to a vehicle. A non-owner policy satisfies it for personal driving. Your employer's or motor carrier's commercial policy covers the truck. That coverage is separate and has its own rules.

Important limits for CDL drivers

Federal rules can disqualify a CDL after a DUI, even in a personal vehicle. An SR-22 does not change that.
Many motor carriers will not hire drivers who have a current SR-22.
Owner-operators need commercial auto insurance, not a non-owner policy.

Will a non-owner SR-22 let me drive my company truck?

The SR-22 restores your license once you are reinstated. Insurance for the truck comes from the company's commercial policy and its underwriting rules.

Does the SR-22 show on my MVR?

The SR-22 requirement and the violation behind it usually appear on your driving record, which employers often check.