Non-Owner SR-22 Insurance in California
California raised its minimum liability limits to 30/60/15 on January 1, 2025, so every non-owner SR-22 policy in the state must now meet those higher limits. If the California DMV has ordered you to file an SR-22 and you do not own a car, a non-owner policy is usually the cheapest way to reinstate.
Who needs a non-owner SR-22 in California?
California drivers are commonly ordered to file an SR-22 after a DUI, after driving without insurance, after an uninsured accident, or after a license suspension for points or unpaid judgments. If you do not own a vehicle and have no regular access to one, a non-owner policy satisfies the California DMV.
How to get a non-owner SR-22 in California
- Confirm the requirement. Check your suspension notice or court paperwork, or call the California DMV, to confirm that you need an SR-22, how long you need it, and any reinstatement fees.
- Request non-owner quotes. Tell the agent that you do not own a vehicle and do not have regular use of one. You must also list everyone in your household who owns a car, because household access can disqualify you.
- Buy the policy and pay the filing fee. The insurer files the SR-22 with California electronically, usually within one business day.
- Pay reinstatement fees and keep the policy active. If the policy lapses, the insurer must notify the state, and your license can be suspended again.
California details to know
California DUI suspensions commonly require an SR-22 for 3 years. California also requires an ignition interlock device for many DUI offenses, and that can be hard to meet without a car, so ask the DMV about your options. California also requires an SR-22 after certain uninsured accidents that were reported on an SR-1 form. Insurers file California SR-22s electronically with the DMV.
California non-owner SR-22 FAQ
Did California's 2025 limit increase raise SR-22 costs?
Yes, slightly. Policies written at the old 15/30/5 limits must now meet 30/60/15, which raises the premium for minimum-limit buyers.
Can I get a California non-owner SR-22 with an out-of-state license?
If California ordered the SR-22, you need an insurer that can file with the California DMV, even if you live elsewhere.
Figures are general guidance as of 2026-11-13. Requirements change, so confirm with the California DMV or your court before you buy a policy.
Other states
Colorado Connecticut Washington, D.C. Florida Georgia Hawaii All states →