Non-Owner SR-22 Insurance in Washington, D.C.
If Washington, D.C. has ordered you to file an SR-22 and you do not own a car, a non-owner SR-22 policy is usually the lowest-cost way to meet the requirement and reinstate your license. Washington, D.C. requires at least 25/50/10 liability coverage.
Who needs a non-owner SR-22 in Washington, D.C.?
Washington, D.C. 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 D.C. Department of Motor Vehicles.
How to get a non-owner SR-22 in Washington, D.C.
- Confirm the requirement. Check your suspension notice or court paperwork, or call the D.C. Department of Motor Vehicles, 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 Washington, D.C. 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.
Washington, D.C. details to know
Many D.C. residents do not own a car, which makes non-owner SR-22 policies a common way to reinstate a license after a DUI or an insurance violation. The D.C. DMV handles reinstatement, and D.C. rates are higher than in neighboring Virginia.
Washington, D.C. non-owner SR-22 FAQ
I live in D.C. and use car share. Do I need a non-owner SR-22?
If D.C. ordered an SR-22, yes. A non-owner policy also adds liability coverage on top of the car-share company's coverage.
Do D.C. and Virginia SR-22s work the same?
No. Virginia uses an FR-44 for DUIs, which requires higher limits. D.C. uses a standard SR-22.
Figures are general guidance as of 2026-11-13. Requirements change, so confirm with the D.C. Department of Motor Vehicles or your court before you buy a policy.