Non-Owner SR-22 Requirements

Before an insurer sells you a non-owner SR-22, it confirms that you fit the profile of a true non-owner. Use this checklist to see whether you qualify.

Eligibility checklist

• No vehicle is titled or registered in your name.
• No household vehicle is available for your regular use.
• You hold a license, or are eligible to reinstate one, in a state where the insurer writes coverage.
• You will not use the policy for business driving such as delivery or rideshare.
• You can pay the first premium and the filing fee.

Documents and details to have ready

• Your license number, or the number of your suspension or revocation notice
• Your court or DMV case number, if you have one
• Your dates of birth and current address
• The names of household members who own cars
• The dates of violations and accidents

Reasons you might be declined

• A car is registered in your name, even if it is broken down.
• You live with a car owner and drive that car often.
• Your license is permanently revoked.
• You have several recent DUIs. Try a high-risk specialist instead.

If you are declined, an independent agent can usually find a carrier that will accept you. Request quotes.