Can I Get SR-22 Insurance Without a Car in California?

If you’ve been told you need to file an SR-22 but don’t own a vehicle, you might be wondering what your options are. At Victorias Insurance Services, we understand how confusing this process can feel. Our team is here to help you navigate non-owner SR-22 insurance so you can meet state requirements and get back on the road legally.

What Is Non-owner SR-22 Insurance?

Non-owner SR-22 insurance is a special type of liability policy designed for individuals who don’t own a car but still need to file an SR-22 with the Department of Motor Vehicles (DMV). The SR-22 itself isn’t insurance; it’s a certificate your insurer files with the state to prove you have the required liability coverage. This is often needed after certain driving violations, such as DUIs or driving without insurance, to reinstate your license.

Who Needs Non-owner SR-22 Insurance?

You may need non-owner SR-22 insurance if:

• Your license has been suspended or revoked, and you don’t own a vehicle.
• You occasionally drive cars you don’t own, such as rentals or borrowed vehicles.
• The court or DMV requires you to file an SR-22 for license reinstatement.

What Does Non-owner SR-22 Insurance Cover?

This policy typically provides liability coverage when you drive a vehicle you don’t own. It does not cover vehicles you own, vehicles in your household or provide comprehensive or collision coverage. It’s designed to meet the state’s minimum liability requirements and help you fulfill your legal obligations.

How Our Team Can Help

At Victorias Insurance Services, we guide you through the process of securing non-owner SR-22 insurance. We’ll explain your options, help you understand the paperwork and file the SR-22 certificate with the DMV on your behalf. Our goal is to make the process as smooth as possible so you can focus on moving forward. Contact us today to get started.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.