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Can I Get an SR22 When I Don’t Own a Car?


David Krug

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It is a common misconception that you need a car to get an SR22. While you do need a car to acquire an SR22 filing in most states, there are a few exceptions. Depending on the state you live in, it may be possible for you to obtain an SR22 filing even if you do not own a car.

What is an SR22?

An SR22 filing is a document that insurance companies are required to file with the Department of Motor Vehicles (DMV) in many states. It certifies that you carry at least the minimum amount of liability insurance coverage required by state law. SR22 filings are typically required for drivers who have had their driver’s license suspended due to driving violations. It is also sometimes required for drivers who have been convicted of DUI or for those who have been found at fault in an accident without insurance.

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Some states allow you to get an SR22 without owning a vehicle

In some states, you may be able to get an SR22 filing without owning a car. This is typically referred to as a non-owner SR22 filing. A non-owner SR22 filing is typically the same as a regular SR22 filing, except that it does not require you to own a car. Instead, it certifies that you have the minimum required liability insurance coverage.

It is important to note that not all states offer non-owner SR22 filings. As of 2020, the states that allow drivers to obtain an SR22 filing without owning a car include South Dakota, Kentucky, Georgia, Tennessee, Virginia, and West Virginia. Drivers in other states are required to have a car in order to get an SR22 filing.

Do you still need liability coverage with an SR22?

If you are required to have an SR22 filing, but do not own a car, it is important to keep in mind that you will still be required to have liability insurance coverage. Non-owner SR22 filings can be purchased from an insurance company for an additional fee. The cost of the filing will vary depending on the state and the insurance company.

In addition to liability insurance coverage, non-owner SR22 filings may also require you to have uninsured motorist coverage. This coverage will protect you in the event that you are injured in an accident caused by an uninsured driver.

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