Non-owner insurance for a suspended license

Many states require proof of insurance before you can get a suspended license back. A non-owner policy is how you provide that proof when you do not have your own car.

A hand resting on license paperwork on a desk

Call 833-958-5598A licensed agent sorts out the policy you need on the phone.

You can often still buy car insurance with a suspended license, though the choices are more limited. A state may ask for proof of insurance, or an SR-22, before it will return your license; without a car, the usual solution is a non-owner policy. Progressive has non-owner SR-22 policies designed for this exact situation.

What does SR-22 mean?

Your insurer submits a form named an SR-22 to the state, which shows you hold at least the minimum required coverage. A court or the state will let you know when you need to have one filed.

There is typically a charge of about $25 to submit the form, and the cost varies by state and insurer. For at least three years, the filing must be maintained in most states.

What is the process to reinstate your license?

Your proof of insurance gets recorded by the state after you obtain a non-owner policy and, if required, the insurer submits the SR-22. After that, pay whatever reinstatement fee is due and complete any remaining steps the state asks for. You must keep the policy active for as long as the state requires.

What are the costs?

A suspension typically leaves a record, and that pushes the price higher. After a DUI, car insurance rates rise by about 78%, on average. When you select DUI in the price tool, it displays how rates shift in your state.

A driver signs an insurance form at an office counter

SR22 coverage for non-owners: getting an SR22 when you have no car

To confirm you carry minimum liability coverage, your insurer provides the state with a form known as an SR22 (or SR-22). If you do not own a car, the filing is backed by a non-owner policy, so when you buy it, have the agent submit the filing.

Questions about insurance with a suspended license

What insurance can I get with a suspended license?

If you have no car, pick a non-owner policy. Some companies offer it to drivers with suspended licenses, which means your proof of insurance exists by the time your license comes back.

Will a suspended license raise your insurance costs?

In most cases, the record linked to the suspension is what explains it. On average, rates rise about 78% after a DUI, but some insurers raise them far less, so shop around and compare.