Erie, Geico, and State Farm are the leading providers for cheap non-owner SR-22 car insurance, standing out for their comprehensive coverage and service.

Erie leads with a strong reputation for reliability, while Geico and State Farm, among the best car insurance companies, offer competitive options for non-owner drivers. Each company excels in balancing affordability with essential coverage for drivers needing SR-22 filings.

Company	Rank	Monthly Rates	A.M. Best	Best For	Jump to Pros/Cons
	#1	$35	A+	Affordable Rates	Erie
	#2	$40	A++	Competitive Pricing	Geico
	#3	$45	B	Nationwide Coverage	State Farm
	#4	$50	A++	Consistent Savings	Auto-Owners
	#5	$55	A	Flexible Plans	Mercury
	#6	$60	A	Broad Options	Farmers
	#7	$65	A+	Frequent Discounts	Progressive
	#8	$70	A	Solid Reputation	Safeco
	#9	$75	A+	Reliable Service	Nationwide
	#10	$80	A	Flexible Discounts	Liberty Mutual

These providers ensure that drivers receive dependable protection tailored to non-owner SR-22 insurance needs.

Ready to find cheaper car insurance coverage? Enter your ZIP code above to begin.

What You Should Know

• Erie is the top pick for cheap non-owner SR-22 insurance with reliable coverage
• Non-owner SR-22 insurance provides essential coverage for drivers without a vehicle
• Geico and State Farm offer competitive non-owner SR-22 insurance with flexible benefits

#1 – Erie: Top Overall Pick

Pros

• Budget-Friendly Premiums: The starting rate of non-owner SR-22 insurance in Erie is $35 per month. Discover more by reading our Erie car insurance review.
• Strong Financial Health: Erie delivers reliable non-owner SR-22 protection because of its A.M. Best rating of A+.
• Savings Opportunities: Wide range of discounts is offered by Erie to lower the overall expenses of non-owner SR-22 policyholders.

Cons

• Fewer Personalization Options: The customization options provided by Erie for non-owner SR-22 coverage are fewer compared to other insurance providers.
• Slower Digital Experience: Non-owner SR-22 policyholders may experience delays in Erie’s online service.

#2 – Geico: Best for Competitive Pricing

Pros

• Low-Cost Options: The starting monthly rate for non-owner SR-22 coverage is $40. Find insights in our car insurance claims ratings.
• Broad Access: Geico is a trusted insurance provider; its non-owner SR-22 insurance is available in most states across the country.
• Safe Driver Discounts: Discount is provided for non-owner SR-22 drivers with clean driving records.

Cons

• Fewer SR-22-Specific Discounts: Fewer discounts are offered for non-owner SR-22 policies.
• Limited Flexibility: The customization of Geico's non-owner SR-22 coverage might not be as flexible as providers.

#3 – State Farm: Best for Nationwide Coverage

Pros

• Strong Customer Support: State Farm provides well regarded customer service to non-owner SR-22 clients.
• Payment Flexibility: State Farm offers flexible payment schedules for non-owner SR-22 customers. See more details in our State Farm car insurance review.
• Seamless SR-22 Filing: State Farm ensures a hassle-free SR-22 submission process for non-owner drivers requiring prompt approval.

Cons

• More Expensive Rates: State Farm’s non-owner SR-22 plans start at $45, higher than Geico and Erie.
• Limited Discount Options: Fewer savings opportunities exist for non-owner SR-22 drivers compared to other providers.

#4 – Auto-Owners: Best for Consistent Savings

Pros

• Competitive Rates: The starting rate for non-owner SR-22 coverage is $50 monthly. Learn more in our Auto-Owners review.
• Excellent Financial Standing: Auto-Owners holds an A++ A.M. Best score, guaranteeing robust financial support for non-owner SR-22 plans.
• Regular Discount Opportunities: Auto-Owners consistently delivers savings options for non-owner SR-22 policyholders.

Cons

• Limited Digital Capabilities: The online experience with Auto-Owners for non-owner SR-22 insurance may be limited compared to others.
• Fewer Customizable Options: The modifications for non-owner SR-22 plans are limited to those of other providers.

#5 – Mercury: Best for Flexible Plans

Pros

• Reliable Financial Strength: With an A rating from A.M. Best, Mercury offers dependable non-owner SR-22 protection.
• Reasonable Pricing: Mercury offers one of the most competitive rates for non-owner SR-22, which is set at $55 per month. Discover more in our Mercury review.
• Quick SR-22 Processing: Mercury ensures a fast turnaround for SR-22 filings, simplifying the procedure for drivers.

Cons

• Higher Costs: Mercury’s non-owner SR-22 premiums can be more expensive than competitors such as Geico and Erie.
• Less Advanced Digital Services: Non-owner SR-22 policyholders may experience delays in using Mercury’s online tools.

#6 – Farmers: Best for Broad Options

Pros

• Versatile Policy Selections: Farmers offers a wide range of policy selections tailored to the needs of Non-owner SR-22 drivers. Learn More: Farmers car insurance review.
• Strong Financial Reliability: Farmers provides financial security for non-owner SR-22 policyholders for its A.M. Best of A.
• Simplified SR-22 Filing: Farmers makes the SR-22 filing process straightforward for non-owner drivers who need quick approval.

Cons

• Premiums on the Higher Side: Rates begin at $60 monthly for non-owner SR-22, which is higher than other providers.
• Limited Online Services: Compared to other providers, Farmers' non-owner SR-22 policy management digital experience is less advanced.

#7 – Progressive: Best for Frequent Discounts

Pros

• Strong Financial Security: With an A+ A.M. Best rating, Progressive guarantees stable non-owner SR-22 insurance. Unlock details in our Progressive car insurance review.
• Easy-to-Use Digital Platform: With the use of Progressive’s online platform, managing non-owner SR-22 plans becomes easy.
• Flexible Billing Options: The payment plans for non-owner SR-22 drivers cater to different financial situations.

Cons

• Higher Initial Premiums: At $65 per month, Progressive’s non-owner SR-22 rates are pricier than other companies.
• Fewer SR-22-Focused Features: Progressive lacks as many specific features for non-owner SR-22 policies compared to other insurers.

#8 – Safeco: Best for Solid Reputation

Pros

• Reputable Provider: Safeco has built a solid reputation for delivering reliable non-owner SR-22 coverage to high-risk drivers.
• Adjustable Coverage Plans: Safeco provides flexible options for non-owner SR-22 insurance policies to suit various requirements.
• Nationwide Reach: Safeco’s non-owner SR-22 policies are accessible in many states, ensuring broad coverage. Discover insights in our buying auto insurance online.

Cons

• Premiums on the Higher Side: Safeco’s non-owner SR-22 plans start at $70 per month, higher than other providers.
• Fewer SR-22-Specific Add-Ons: Safeco offers fewer specific options for non-owner SR-22 policies compared to other providers.

#9 – Nationwide: Best for Reliable Service

Pros

• Strong Financial Foundation: Nationwide holds an A+ A.M. Best score, ensuring trustworthy non-owner SR-22 coverage.
• Reliable Customer Service: Nationwide is recognized for consistent, dependable support for non-owner SR-22 policyholders.
• Wide Coverage Availability: Non-owner SR-22 policies are offered throughout the country, ensuring easy access. Check out our Nationwide car insurance review.

Cons

• More Expensive Premiums: Nationwide’s non-owner SR-22 prices begin at $75 monthly, making it more costly than some competitors.
• Fewer SR-22-Specific Savings: With Nationwide, discounts exclusive to non-owner SR-22 plans are less common.

#10 – Liberty Mutual: Best for Flexible Discounts

Pros

• Adaptable Discount Plans: For non-owner SR-22 policyholders, Liberty Mutual features various discount programs offering flexibility to lower premiums.
• Versatile Policy Choices: One of the best features of Liberty Mutual is that it provides personalized choices for non-owner SR-22 drivers. Read our Liberty Mutual insurance review.
• Nationwide Access: The coverage of non-owner SR-22 insurance is across the country.

Cons

• More Expensive Monthly Rates: Liberty Mutual is the most expensive option for non-owner SR-22 insurance, with a starting rate of $80 per month.
• Limited SR-22-Specific Options: Liberty Mutual offers fewer features that cater specifically to non-owner SR-22 policyholders.

Understanding Non-Owner SR-22 Coverage and Full Protection

Cheap non-owner SR-22 insurance is vital for individuals who don’t own a vehicle but still need proof of financial responsibility. Non-owner SR-22 coverage usually includes liability car insurance, though drivers can choose non-owner SR-22 full coverage for more extensive safeguards.

Insurance Company	Minimum Coverage	Full Coverage
	$50	$85
	$35	$65
	$60	$95
	$40	$75
	$80	$115
	$55	$90
	$75	$110
	$65	$100
	$70	$105
	$45	$80

For instance, full coverage car insurance with non-owner SR-22 from providers like Erie begins at $65, while Geico offers it for $75. Minimum liability plans are also available, starting at $35 with Erie and $40 with Geico.

Choosing the appropriate non-owner SR-22 coverage depends on whether drivers seek basic protection or more comprehensive insurance options.

Cost-Saving Tips for Non-Owner SR-22 Policyholders

Cost minimization can be difficult to achieve while obtaining non-owner SR-22 insurance, but it is possible with the appropriate strategy. It's imperative to compare rates from several insurers because some, like Erie and Geico, have very different policies, especially when considering new driver car insurance options.

Insurance Company	Available Discount
	Multi-policy, Paid-in-full, Paperless billing
	Multi-policy, Safe driver, Pay-in-full
	Multi-car, Safe driver, Homeowner
	Multi-vehicle, Defensive driving, Good driver
	Multi-policy, Early shopper, Safe driver
	Multi-policy, Good driver, Anti-theft device
	Multi-policy, Good driver, Anti-theft device
	Multi-policy, Continuous insurance, Online quote
	Multi-policy, Homeowner, Safety features
	Multi-line, Safe driver, Accident-free

If minimum liability insurance meets your needs, it might lower your premiums. Ask about savings for bundling policies or safe driving records as well. Keeping up a spotless driving record and making sure your SR-22 filings are done on time are also essential because they keep your premiums low.

True or False: Cranking the A/C will actually defrost your windows faster. ❄️ https://t.co/QkVwFTWUaw

— Erie Insurance (@erie_insurance) January 29, 2024

Finally, based on the insurance company's policies, choosing electronic billing and automatic payments may result in further savings.

Critical Aspects Influencing Non-Owner SR-22 Insurance Pricing

Prices for non-owner SR-22 insurance are determined by a variety of factors. The quality of your clean driving record continues to be a significant factor in determining your insurance premiums. Premiums are generally lower for individuals with a clean record, while those with prior violations incur higher costs.

State-specific regulations also affect pricing, as the base rate is influenced by the varying minimum coverage requirements of each state. The selection of the appropriate insurer is equally critical, as rates vary significantly among companies such as State Farm, Geico, and Erie.

Furthermore, the magnitude of your overall expenditure is significantly influenced by the type of coverage, whether it is comprehensive or minimal liability. Finally, the process fee for the SR-22 adds an additional layer of expense, underscoring the necessity of evaluating all aspects when evaluating your insurance options.

Compare Non-Owner SR-22 Rates to Save Near You

Leading the market for reasonably priced non-owner SR-22 car insurance are Erie, Geico, and State Farm, each with special advantages. Erie offers the lowest starting rate at $35 per month; Geico gives good drivers significant savings; and State Farm's extensive national presence guarantees simple coverage availability throughout states.

Those who want evidence of financial responsibility but do not own a car must get non-owner SR-22 insurance.

Comparing quotes from several firms online and considering to switch car insurance companies to save money will help you identify the least expensive non-owner SR-22 insurance available nearby. This method ensures the best rate and coverage tailored to your needs. Find cheap car insurance quotes by entering your ZIP code below.

Frequently Asked Questions

What company has the cheapest non-owner SR-22?

Erie offers the cheapest non-owner SR-22 insurance with rates starting at $35 per month.

Does Oregon require SR-22?

Yes, Oregon requires an SR-22 for drivers who need to provide proof of financial responsibility after certain violations.

Discover insurance savings in our guide titled, "Best Oregon SR-22 Insurance."

How much is non-owner SR-22 insurance in VA?

Non-owner SR-22 insurance in VA typically costs between $35 and $65 per month, depending on the provider.

How long does a non-owner SR-22 stay on your insurance in California?

In California, a non-owner SR-22 is usually required to remain on your insurance for three years.

What is non-owner SR-22 insurance in Washington state?

Non-owner SR-22 insurance in Washington state provides liability coverage for drivers who don’t own a vehicle but need proof of financial responsibility.

Explore offerings further in our complete guide called, "Liability vs. Full Coverage: Car Insurance Explained."

What is the difference between non-owner SR-22 and FR 44?

The main difference is that FR 44 requires higher liability limits than a non-owner SR-22, typically for more serious violations.

What is the difference between SR 20 and non-owner SR-22?

SR 20 confirms compliance with the court's insurance requirements, while non-owner SR-22 provides ongoing proof of insurance for drivers without a car.

When can I remove my non-owner SR-22 in California?

You can remove your non-owner SR-22 in California after fulfilling the state’s three-year requirement.

Access in-depth insights in our guide titled, "Best and Cheapest Car Insurance in California."

How much does non-owner SR-22 insurance cost in Illinois?

Non-owner SR-22 insurance in Illinois typically ranges from $35 to $80 per month, depending on the provider and coverage level.

How do I get my non-owner SR-22 removed in California?

To remove your non-owner SR-22 in California, you must complete the required filing period and then notify your insurance company to remove the SR-22.

Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool below to find the best policy for you.

Does non-owner SR-22 cover any car I drive in Illinois?

Yes, non-owner SR-22 insurance in Illinois generally covers any car you drive, provided you have permission from the vehicle owner.

Deepen your understanding by reading our guide titled, "Best and Cheapest Car Insurance in Illinois."