Non owner SR22 insurance in Washington
Drivers in Washington can buy Non owner SR22 insurance Washington coverage for people without a car. It includes liability coverage and an SR-22, which the insurer files with the state as proof. The Washington Department of Licensing (DOL) usually asks for that proof for 3 years, starting from the date you can regain your license.
- 3 yearsThe DOL usually wants proof for this length, starting from the date you can reinstate
- $75Once a non-alcohol suspension ends, the DOL charges a fee to reissue a license; the alcohol fee is $170.
- Minimum liability limits are 25/50/10, measured in thousands of dollars.
- The DOL accepts a $60,000 deposit or bond in place of an SR-22.
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A quick look at Washington SR-22
| Item | Washington |
|---|---|
| Form needed | SR-22 insurance that an approved insurer writes for Washington |
| Filing period | Usually 3 years, beginning on the first day you may reinstate |
| Who files | Filed by your insurer using the DOL portal or by fax |
| License reissue fee | $75 non-alcohol, $170 alcohol, more fees may apply |
| Minimum limits | Per person $25,000; per accident $50,000; property damage $10,000 |
| Other proof | A certificate of deposit or liability bond for $60,000 or more |
A quick look at Washington SR-22, using only figures from Washington sources.
In Washington, who has to file proof?
The financial responsibility page from the DOL lists three groups. Certain offenses lead to this filing for people convicted of them or who forfeited bail for them. It also applies to people with unpaid judgments and to drivers or vehicle owners involved in an accident. According to the DOL, this filing is proof of financial responsibility. It means you can pay for damage caused by your driving.
The DOL mandatory insurance page says driving without the required insurance may also lead to a fine of $550 or more. Your license can be suspended if you are at fault in a crash and cannot pay the damages.
Washington filing duration and costs
The DOL says most drivers must keep proof on file for 3 years, counting from the date they become eligible to reinstate. Once three years pass from the date proof was required, RCW 46.29.600 lets the department remove the filing requirement on request. That is allowed only if no new conviction or infraction arose during those three years that could lead to losing your license.
A license costs $75 to reissue after a non-alcohol suspension or revocation, based on the DOL fee list. After an alcohol suspension or revocation, the fee is $170. Additional fees may also apply, as it notes. The Washington pages cited here do not set a state price of their own for the SR-22. Ask your insurer about its charge.
Policies for non-owners and filing in Washington
Under Washington law, this type of policy serves drivers who do not own a car. RCW 46.29.490 labels it an operator's policy, which protects the insured person when using a vehicle owned by someone else. Property damage coverage is $10,000, while one injured person is covered at $25,000 and two or more at $50,000.
The certificate is filed by your insurer. The DOL says a fax or the online portal can be used. If a policy goes to someone who owns no vehicles, RCW 46.29.460 says the certificate does not have to list vehicles.
Other routes exist besides an SR-22. Besides other choices, the DOL takes a certificate of deposit for $60,000 or a liability bond worth at least $60,000.
What happens when a policy ends ahead of schedule?
At least ten days must pass after the insurer files notice with the DOL before a certified policy can be canceled or ended, under RCW 46.29.500. This lets the DOL learn about the change quickly.
Once filed proof no longer works, RCW 46.29.590 directs the department to seek other proof. It must suspend the license and registration until that proof arrives. If your coverage will end soon, have a new policy filed before it ends.
Non owner SR22 insurance in Washington: common questions
Is an SR-22 available in Washington if I have no car?
Yes. Washington law allows certificates with no vehicle list for policies issued to people who own no vehicle. Make sure the insurer handles SR-22 filings for Washington.
In Washington, how long will I need an SR-22?
According to the DOL, most cases run 3 years from the day you become eligible to reinstate. The clock starts on your reinstatement-eligible date, not when you purchase the policy.
Who submits the SR-22 to the DOL?
It comes from your insurance company. A provider can send the certificate by fax or through the DOL online portal, according to the DOL page. You don't mail it yourself.
Talk it over with a licensed agent
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