Non-Owner SR-22 Insurance Companies
Not every insurer writes non-owner policies, and not every insurer files SR-22s. The companies below are commonly known to offer both in many states. Availability changes by state and over time, so always confirm before you buy.
Company names are trademarks of their owners and are used for identification only. We are not affiliated with these companies. Information is general and was current at our last review.
Progressive non-owner SR-22
Progressive offers non-owner policies and files SR-22s in most states where it writes auto insurance. It publishes guidance on non-owner SR-22s, and quotes for non-owner coverage often go through a phone agent instead of the online quote tool. Progressive is a common choice for drivers with a lapse or suspension.
GEICO non-owner SR-22
GEICO files SR-22s and sells non-owner policies in many states. Non-owner coverage is typically handled by phone. In several national studies, GEICO has had among the lowest average non-owner SR-22 rates of the large national carriers.
State Farm non-owner SR-22
State Farm agents can write non-owner policies and file SR-22s in many states. Because State Farm works through local agents, pricing and availability can vary more from office to office. State Farm may be a good fit if you already have a renters or other policy with them.
Dairyland non-owner SR-22
Dairyland specializes in non-standard and high-risk auto insurance. It is often willing to write drivers after a DUI or multiple violations, and it offers non-owner SR-22 policies in many states.
The General non-owner SR-22
The General focuses on high-risk drivers and files SR-22s. Ask whether non-owner coverage is available in your state, because the product lineup varies.
Auto-Owners and regional carriers
Regional carriers such as Auto-Owners, Erie and American Family sometimes post very low non-owner SR-22 rates where they operate. They usually sell through independent agents, which is one reason working with an agent can find prices that you would not see online.
USAA
For active military members, veterans and their families, USAA is frequently among the cheapest options for non-owner coverage with an SR-22.
Comparison at a glance
| Company | Best for | How to buy non-owner |
|---|---|---|
| Progressive | Lapses and suspensions | Phone or agent |
| GEICO | Low national averages | Phone |
| State Farm | Existing State Farm customers | Local agent |
| Dairyland | DUI and multiple violations | Phone or agent |
| The General | High-risk drivers | Phone |
| Auto-Owners and regionals | Low rates where available | Independent agent |
| USAA | Military families | Phone |
The fastest way to compare them
Calling five carriers one by one can take hours, and every call asks the same eligibility questions. An independent agent can quote several companies at once and file the SR-22 the same day. Request quotes here or call (800) 555-0122.
Does every insurance company offer non-owner SR-22?
No. Many standard carriers do not write non-owner policies, and some do not file SR-22s at all.
Can I switch companies in the middle of my SR-22 period?
Yes. Make sure the new insurer files its SR-22 before the old policy is canceled, so that there is no gap.