Getting non-owner car insurance and filing an SR-22 form can be confusing. This comprehensive guide will explain everything you need to know about non-owner car insurance policies and SR-22 filing with GEICO.
What is Non-Owner Car Insurance?
Non-owner car insurance, also known as named operator insurance, provides liability coverage for drivers when operating a vehicle they don’t own. It’s ideal for situations when you need to drive someone else’s car occasionally.
Here are some common reasons people get non-owner car insurance
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You sold your car but still drive rental cars or borrowed vehicles Non-owner insurance provides you with continuous coverage between cars,
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You have a driver’s license but don’t own a car. Non-owner insurance allows you to legally drive other people’s cars with permission.
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You share a family car with a spouse or partner. Non-owner insurance covers you when driving the shared vehicle.
The key benefit of non-owner car insurance is it satisfies state minimum liability requirements so you can legally drive without owning a car. It provides protection if you cause an accident while driving another person’s vehicle.
GEICO offers affordable non-owner policies with liability limits that meet most state requirements. This allows you to stay insured and maintain a valid driver’s license if you don’t have a car.
Who Needs Non-Owner Car Insurance?
Non-owner car insurance is a smart choice if you ever drive vehicles not registered in your name. Here are some of the most common situations when non-owner insurance is recommended:
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You sold your car: If you sold your car but still occasionally drive rentals or borrowed vehicles, non-owner insurance provides continuous coverage. This prevents gaps in insurance which can lead to higher rates later.
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You have a license but no car: Non-owner insurance meets state requirements so you can legally drive other people’s cars with permission. This provides coverage if you get into an accident.
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You share a family car: For married couples or partnerships where one person owns the car, non-owner insurance covers the other driver. This ensures both drivers have liability protection when operating the shared vehicle.
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You have an SR-22 requirement: In some states, non-owner car insurance can satisfy SR-22 financial responsibility requirements for drivers who don’t own a vehicle.
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You drive for rideshare services: Rideshare drivers can get non-owner insurance as a supplemental policy to cover potential coverage gaps with their personal auto insurance.
If you ever drive cars not registered in your name, non-owner insurance is highly recommended to ensure you stay protected on the road.
How Much Does Non-Owner Car Insurance Cost?
The cost of non-owner car insurance is usually quite affordable compared to standard auto policies. With GEICO, non-owner car insurance rates typically start around $150 to $350 per year. However, premiums are based on factors like:
- Your age and driving record
- Years licensed
- Location
- Selected liability coverage and limits
On average, though, non-owner car insurance costs between $100 to $400 annually. It’s an inexpensive way to stay insured and legally drive other vehicles when you don’t own a car.
GEICO offers competitive pricing on non-owner insurance for most drivers. Getting a fast quote is the best way to see how affordable non-owner coverage can be.
What Does Non-Owner Car Insurance Cover?
Non-owner policies strictly provide liability insurance which protects you if you cause damage or injury to others while driving a vehicle you don’t own. It does not cover damage to the actual vehicle you are driving.
Typical non-owner car insurance coverage includes:
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Bodily injury liability: Covers injuries to others caused by an at-fault accident up to the selected limit.
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Property damage liability: Covers damage to another person’s property up to the selected limit if you’re at fault.
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Uninsured/underinsured motorist: Provides protection if you’re hit by a driver with no or insufficient insurance.
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Medical payments: Covers minor medical expenses for injured passengers in your vehicle after an accident.
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Comprehensive and collision: Not included since non-owner insurance only provides liability coverage.
While more limited than standard auto policies, non-owner insurance gives you affordable peace of mind that you have the minimum liability coverage required by law when driving other people’s vehicles.
Why Might I Need an SR-22 with Non-Owner Insurance?
An SR-22 is a certificate of financial responsibility required by some states for drivers convicted of major violations. It proves you have auto insurance meeting your state’s minimum liability requirements.
You may need to file an SR-22 even if you only have non-owner car insurance. Common situations include:
- License reinstatement after a DUI
- High number of traffic violations
- Driving without insurance
- Causing an accident without insurance
Non-owner car insurance can satisfy SR-22 requirements in most states. GEICO can electronically file the SR-22 directly with the state DMV when you purchase a non-owner policy.
Having an SR-22 on your record does result in higher non-owner insurance rates. But GEICO helps drivers get affordable coverage even if an SR-22 is required.
Getting Non-Owner Insurance and SR-22 Through GEICO
Getting non-owner car insurance and SR-22 filing through GEICO is a quick and easy process:
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Get a quote for non-owner coverage at geico.com or by calling 1-800-947-AUTO. Just enter your basic info to see your rate.
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Tell your agent you need an SR-22. They’ll confirm if one is required in your state and handle the filing process.
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Purchase the policy. Your non-owner insurance and SR-22 filing both become active at the same time.
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GEICO files the SR-22 directly with the DMV electronically in most states. Some states require mailing.
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Carry proof of insurance when driving just like any other auto policy. Your SR-22 will automatically renew each policy term as well.
The team at GEICO makes getting non-owner insurance and SR-22 fast and hassle-free. You get affordable rates plus convenient service every step of the way.
Benefits of Going Through GEICO
GEICO is the #1Auto insurer in the U.S. for a reason. Here are some of the top advantages of getting non-owner insurance and SR-22 through GEICO:
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Affordable rates: GEICO strives to offer the most competitive pricing on non-owner car insurance. Online quotes are quick and easy.
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Convenient service: Our agents handle all the SR-22 processing and paperwork for you electronically in most states.
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Industry expertise: With over 85 years of experience, you can trust GEICO for all your specialty insurance needs.
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Highly rated: GEICO consistently earns top marks for financial strength, customer satisfaction, website experience and claims handling.
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24/7 support: Our U.S.-based call centers offer excellent customer service anytime day or night.
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Easy online account access: Manage your policy, pay your bill, and get proof of insurance cards online 24/7.
For hassle-free non-owner insurance and SR-22 filing, it’s hard to beat GEICO. Contact us today to get covered or file an SR-22 with ease.
Other Common Questions about Non-Owner Insurance and SR-22
How long do I need to keep insurance with an SR-22 on file?
You must maintain continuous auto insurance coverage meeting state minimums for the entire length of time the SR-22 is required, typically 3 to 5 years depending on the violation. If your policy lapses, the DMV will be notified which may result in license suspension.
Can I get an SR-22 without owning a car?
Yes, non-owner insurance satisfies SR-22 requirements in most states. GEICO can file the SR-22 when you purchase a non-owner policy.
Does my SR-22 transfer between insurance companies?
Yes, the SR-22 stays on your DMV record if you switch insurers. But you’ll need to contact the new company to have them file the form when you cancel the old policy. Failing to transfer an SR-22 can lead to suspension.
Will my rates increase when my SR-22 requirement ends?
Usually your rates will decrease once the SR-22 is no longer required and the violation drops off your motor vehicle record. Contact GEICO to discuss rate impacts when your SR-22 period ends.
Can family members get non-owner insurance under my policy?
Yes, multiple people can be insured under the same GEICO non-owner policy. Family members simply need to be listed as additional named operators. Their rate will be based on their individual age and driving history.
Hopefully this guide provided you with a thorough overview of how non-owner car insurance and SR-22 filing works with GEICO. Our agents are standing by 7 days
Getting a Car Insurance Quote
To get your free, personalized car insurance quote faster make sure to have:
- A valid drivers license
- Your vehicle identification number (VIN)
- The physical address where your vehicle is stored
During your car insurance quote:
- You will learn about different types of coverage, as well as state minimums, that will help you pick the best car insurance for you and your family.
- We’ll also ask you some questions to help you find all the discounts you may be able to get.
- Then, youll get your personalized rate. From there you can purchase directly online. Its that easy.
To best compare car insurance quotes from different companies, make sure to select the same:
- Coverages: Some coverages must be chosen, but make sure they are the same for each quote.
- Policy limits: There are minimum amounts, but our coverage calculator can help you figure out how much you may want.
- Depending on the type of coverage you have, you should figure out how much you can pay out of pocket to fix your car. In most cases increasing your deductible could lower your bill.
That way, youll get a full picture of what each car insurer is offering.
Do I Need Auto Insurance?
If you own a car, you need auto insurance. If you’re in an accident, having car insurance can help protect your finances and the finances of other people involved. The process of getting a personalized car insurance quote is quick and easy. You can find great rates, discounts, and options.