Driving isn’t just getting you from point A to point B; it’s an essential part of life. With driving come insurance requirements, and if you’ve been deemed a high-risk driver, you might be required to carry non-owner SR22 insurance to be able to continue driving. At this point, you might be wondering what non-owner SR22 insurance is and how you can get it. That’s why our team at American Auto Insurance made this helpful guide detailing just that and how we can get you this insurance coverage at a low rate fast.

What Is Non-Owner SR22 Insurance?

A man in a black shirt and sunglasses driving down an Illinois highway.

Non-owner SR22 insurance is a type of car insurance for those individuals who do not currently own a car but need car insurance to drive a vehicle. This usually involves high-risk drivers, such as those with serious moving violations, who want to be able to drive a vehicle. This insurance provides liability coverage that meets state requirements and can cover costs if the driver gets into an accident in a vehicle they don’t own, such as a friend’s car or rental.

How To Get Non-Owner SR22 Insurance

The first step in the process is receiving notification from the state, usually through the state secretary’s office or your state’s Department of Motor Vehicles, that you need this type of insurance. Although state requirements can vary, there are usually a few standard prerequisites to fulfill before getting non-owner SR22 insurance. These include:

  • You don’t currently own a vehicle.
  • You don’t currently live with someone who owns a vehicle you can access.
  • You have no requirement for an ignition interlock device.
  • You have a current and valid driver’s license.

If you meet all these requirements, you can start the process of getting cheap SR22 auto insurance. This involves completing the SR22 form and ensuring that the insurance policy you want meets the state’s minimum requirements. From there, you can have your insurance company file this form with the state to prove that you have the minimum required coverage. In Illinois, you’ll also need a named non-owner coverage endorsement. This verifies to the state that you carry the required auto liability coverage.

Many states require this type of insurance to be on file for a minimum of three years, but some state requirements might vary. Since these insurance policies are usually set to expire after three years, you might not have to renew this policy unless the state requires you to hold this insurance for longer. Ensuring that you complete and file this form can prevent any lapse in insurance coverage and can prevent you from having to carry this insurance for a longer period.

What Are the Liability Requirements for Drivers in Illinois?

Different states require different levels of liability insurance. For the state of Illinois, non-owner drivers with SR22 insurance need a minimum of $25,000 in bodily injury liability coverage, $50,000 per accident, and at least $20,000 in property damage liability coverage. Illinois also requires uninsured motorist coverage to further protect against a collision with a driver without an active vehicle insurance policy.

At American Auto Insurance, we can deliver all these requirements and even toss in roadside assistance. This also includes uninsured or underinsured motorist coverage, typically covering $25,000 per person or $50,000 per accident. That way, you can drive with peace of mind knowing that you are completely covered, no matter what level of liability insurance coverage you might need.

How Much Does SR22 Insurance Cost?

The cost of SR22 insurance varies based on several factors. These factors include your age, location, driving history, and the level of coverage you want to obtain. Certain plans can result in a monthly payment of as little as $14 per month, which can also include roadside assistance.

How American Auto Insurance Can Help

American Auto Insurance not only gets you SR22 coverage but also offers you peace of mind without breaking the bank. As we specialize in SR22 insurance, we understand that getting back on the road is essential, so we offer instant proof of coverage and file your forms electronically. We understand that being able to drive is important, which is why we also offer an easy application process that doesn’t require a credit check.

With locations throughout the state, we can help you either in person, over the phone, or online so you can get insurance the best way for you. We’ll also help you reinstate your driver’s license and car registration if needed.

Frequently Asked Questions

Here are a few other questions you might ask about this type of insurance:

How Do I Get My SR22 Removed?

This type of insurance doesn’t automatically disappear from your auto insurance policy, even after you no longer need this coverage. Contacting your insurer and informing them about your cancelation needs can help you effectively remove this coverage from your policy.

Why Is Getting SR22 Insurance Important?

This type of insurance not only protects you and lets you get back on the road but can also protect you from higher insurance premiums in the future. Having a lapse in insurance coverage can result in you paying higher premiums in the future because some insurance companies might deem you a higher-risk driver to insure.

Does SR22 Insurance Cover Any Car?

You can think of this insurance policy as though it’s attached to you rather than an individual car. This means that you have SR22 insurance coverage no matter which vehicle you drive.

Ready To Get Non-Owner SR22 Insurance?

If you want to get back out on the road but need cheap SR22 car insurance before you can get back out there, American Auto Insurance can help. We can support you through the entire insurance policy buying process from when you’re notified you need this coverage to when you no longer need to hold this level of insurance. If you have any questions or want to get started with obtaining non-owner SR22 insurance, call us today, and we can get you back on the road in no time.

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