Navigating Non-Owner SR22 Insurance in Missouri: Everything You Need to Know

Getting non-owner SR22 insurance can be confusing especially if you’re not familiar with how auto insurance works in the first place. SR22 filings prove you have minimum liability coverage as required by the state, but what if you don’t actually own a car? The process and requirements are different.

This guide will explain exactly what non-owner SR22 insurance entails in Missouri, who needs it, how to get it, and what to watch out for We’ll also look at estimated costs so you know what to budget for this specialized coverage Let’s dive in!

What Is Non-Owner SR22 Insurance in Missouri?

First, what exactly is non-owner SR22 insurance?

An SR22 filing demonstrates that you have the minimum auto liability limits outlined by your state. In Missouri that’s

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $25,000 property damage liability
• $25,000 uninsured motorist bodily injury per person
• $50,000 uninsured motorist bodily injury per accident

Now, the “non-owner” part means you can meet the SR22 requirement in Missouri even if you don’t actively own a vehicle.

Non-owner SR22 policies only provide liability coverage to protect other people and their property when you operate a car. There’s no coverage for damage to an actual auto because you don’t own one.

This type of bare bones insurance is primarily for folks who had their license suspended but still need to drive occasionally by borrowing vehicles.

Who Needs Non-Owner SR22 Insurance in Missouri?

In Missouri, common reasons your license might get suspended and trigger the need for non-owner SR22 insurance include:

• Driving without insurance
• Too many points on your driving record
• Failure to pay damages from an at-fault accident
• DUI conviction
• Reckless driving offenses

Most of the time, you’ll need to maintain the SR22 filing actively with your insurance company for 2-3 years depending on the violation. Letting it lapse can extend the SR22 requirement even longer.

Where to Get Non-Owner SR22 Insurance in Missouri

Finding an insurer willing to write a non-owner SR22 policy in Missouri can be tricky. Unlike regular car insurance, not every company will accommodate this type of limited, high-risk coverage.

National companies like Geico, Allstate, and State Farm do offer non-owner SR22 options in Missouri. But you may need to work with a local independent agent to find additional choices.

The key is partnering with an agent that has relationships with specialty carriers familiar with state-specific SR22 regulations. An independent broker can shop multiple niche insurers to locate the best fit.

How Much Is Non-Owner SR22 Insurance in Missouri?

Since non-owner SR22 insurance only provides basic liability protection without the more expensive collision/comprehensive coverages, premiums are lower than standard auto policies.

In Missouri, you can expect to pay approximately $50-75 per month or $600-900 per year for a non-owner SR22 policy. Rates vary based on your specific risk profile like age, driving record, and location.

Compared to over $2,500 annually for standard SR22 coverage with a car, non-owner SR22 insurance presents huge cost savings in Missouri. Just make sure you understand exactly what risks are and aren’t covered.

What Does Non-Owner SR22 Insurance Cover in Missouri?

To recap, a non-owner SR22 policy in Missouri includes these core protections:

Bodily Injury Liability

• Covers injuries to others when you’re at fault
• Missouri minimum: $25,000 per person / $50,000 per accident

Property Damage Liability

• Covers damage you cause to others’ property
• Missouri minimum: $25,000 per accident

Uninsured Motorist

• Covers injuries to you caused by uninsured drivers
• Missouri minimum:
  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident

And that’s it! With non-owner SR22 insurance, there’s no coverage for:

• Damage to the car you’re driving (collision/comprehensive)
• Injuries to yourself (medical payments)
• Loss of your income if injured (PIP)
• Legal defense (rental reimbursement, roadside assistance)

The limited scope works because you aren’t driving your own car regularly. But it’s critical to understand those gaps in protection.

Can Any Company Provide Non-Owner SR22 Insurance in Missouri?

No – not every auto insurer in Missouri will file an SR22 without you also purchasing a standard policy from them. Even major companies won’t necessarily offer non-owner SR22 filing.

Some insurers that may provide non-owner SR22 options include:

• Progressive
• State Farm
• Allstate
• Geico
• The General
• Infinity Auto
• National General
• Stillwater Insurance
• Foremost Insurance

But your best bet is working with an independent agent or broker that specializes in high-risk auto insurance. They’ll know which niche carriers handle non-owner SR22 filings.

What Happens If Your Non-Owner SR22 Lapses in Missouri?

Remember, your non-owner SR22 insurance must remain continuously in effect for 2-3 years as required by the Missouri DMV. Letting it cancel or lapse can lead to these consequences:

• License suspension
• Extension of your SR22 requirement
• SR22 reinstatement fees and fines

So be sure to make payments on time and keep the policy active through the full term. Don’t jeopardize completion of your sentence by letting non-owner SR22 insurance lapse!

Can I Switch Companies Mid-Term on a Non-Owner SR22 in Missouri?

You can change insurance companies midway through your SR22 term in Missouri, but it’s a bit complicated. Here are the steps:

1. Obtain new non-owner SR22 policy with different insurer
2. New company contacts Missouri DMV to file SR22
3. Notify old company to cancel current SR22 upon activation of new one
4. Get written confirmation of cancellation from old insurer
5. Send that written confirmation to Missouri DMV

This process ensures there are no gaps between policies so your SR22 coverage remains intact. Work closely with your insurers and the DMV to transfer an active SR22 between different companies.

The Bottom Line on Non-Owner SR22 Insurance in Missouri

Maintaining continuous non-owner SR22 insurance for 2-3 years is mandatory following serious violations like a DUI or driving without insurance in Missouri.

The good news is this specialized coverage costs much less than regular car insurance since it only provides basic liability protection. Just partner with an agent experienced in high-risk insurance to find a company willing to file SR22 forms for non-owners.

Sticking to all the rules around non-owner SR22 insurance is critical for completing your sentence so you can eventually earn back your full driving privileges. It may seem like an unnecessary hassle, but is far better than having no license at all!