Can I get SR-22 insurance without owning a car?
The answer depends on your state. Pick yours to see it.
Yes. Arizona's Motor Vehicle Division requires most drivers to maintain an SR-22 filing for three years from reinstatement, and a non-owner SR-22 policy satisfies this requirement for drivers who do not own a vehicle. The insurer files the SR-22 electronically with the MVD; drivers cannot self-file.
Sources: NIPR: Arizona resident individual licensing requirements; NIPR: Arizona resident individual renewal requirements.
Yes. Non-owner car insurance provides liability coverage for drivers who do not own a car, and it can satisfy an SR-22 requirement. An SR-22 is a form the insurer files with the state showing that minimum coverage is in force, so people who must carry it but own no vehicle can use a non-owner policy.
Sources: Delaware Code Title 18 Chapter 17: Licensing of Professional Insurance Personnel (producers and adjusters); Delaware Code Title 18 Chapter 7: Fees and Taxes (18 Del. C. §701 fee schedule).
Yes. Non-owner car insurance provides SR-22 coverage for drivers who do not own a vehicle, and it generally costs less than a standard owner policy because it provides liability coverage only. Availability varies by insurer, so you may need to compare companies that write non-owner policies.
Sources: Wyoming DOI: producer licensing requirements, fees and FAQs; Wyoming DOI: adjuster licensing requirements, fees and FAQs.