Erie, Geico, and State Farm are top choices for affordable non-owner SR-22 car insurance, known for solid coverage and service.

Erie shines with its strong reputation for reliability, while Geico and State Farm, two of the best car insurance companies, offer competitive options for non-owner drivers. Each one does a great job balancing affordability with the coverage SR-22 drivers need.

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

• Affordable Premiums: Erie’s non-owner SR-22 insurance starts at just $35 a month. Learn more in our Erie car insurance review.
• Solid Financial Strength: Erie’s A+ rating from A.M. Best backs its reliable non-owner SR-22 protection.
• Discount Opportunities: Erie offers plenty of discounts to help non-owner SR-22 drivers save on costs.

Cons

• Limited Customization: Erie has fewer options for customizing non-owner SR-22 coverage compared to other providers.
• Slower Online Service: Non-owner SR-22 policyholders might experience some delays with Erie’s online services.

#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

• Great Customer Support: State Farm is known for its solid customer service for non-owner SR-22 clients.
• Flexible Payments: State Farm gives non-owner SR-22 customers flexible payment options. Check out more in our State Farm car insurance review.
• Easy SR-22 Filing: State Farm makes the SR-22 process smooth and fast for non-owner drivers needing quick 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

• Great Rates: Non-owner SR-22 coverage starts as low as $50 a month. Check out more in our Auto-Owners review.
• Strong Financial Backing: With an A++ A.M. Best score, Auto-Owners provides solid financial support for SR-22 plans.
• Frequent Discounts: Auto-Owners offers plenty of ways for non-owner SR-22 policyholders to save.

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

• Solid Financial Backing: Mercury’s A rating from A.M. Best means reliable non-owner SR-22 coverage.
• Affordable Rates: Mercury keeps it budget-friendly with non-owner SR-22 rates starting at $55/month. Check out our full Mercury review for details.
• Fast SR-22 Service: Mercury speeds up SR-22 filings, making the process easy for drivers.

Cons

• Higher Costs: Mercury’s non-owner SR-22 premiums can be more expensive than those of 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

• Flexible Policy Options: Farmers has a variety of policies designed for non-owner SR-22 drivers. Check out our Farmers car insurance review for more info.
• Financial Peace of Mind: With an A rating from A.M. Best, Farmers offers solid security for non-owner SR-22 policyholders.
• Easy SR-22 Filing: Farmers keeps the SR-22 process simple and quick for drivers needing fast 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

• Trusted Coverage: Safeco is known for reliable non-owner SR-22 insurance for high-risk drivers.
• Flexible Plans: Safeco provides flexible options for non-owner SR-22 insurance policies to suit various requirements.
• Wide Availability: 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

• Solid Financial Backing: Nationwide’s A+ rating from A.M. Best means reliable non-owner SR-22 coverage.
• Dependable Support: Nationwide is known for steady, helpful service for non-owner SR-22 policyholders.
• Nationwide Access: Non-owner SR-22 policies are available across the country, making it easy to get covered. Take a look at our full Nationwide 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

• Flexible Discounts: Liberty Mutual has multiple discount programs for non-owner SR-22 policyholders.
• Custom Policy: Liberty Mutual is the only one that gives non-owner SR-22 drivers options. Check out our Liberty Mutual insurance review.
• Nationwide Coverage: Their non-owner SR-22 insurance is available across the country.

Cons

• Higher Monthly Rates: Liberty Mutual’s non-owner SR-22 insurance starts at $80 per month, making it pricier.
• Limited SR-22 Perks: Liberty Mutual has fewer features specifically for non-owner SR-22 policyholders.

Understanding Non-Owner SR-22 Coverage and Full Protection

Cheap monthly 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, monthly full coverage car insurance with non-owner SR-22 from providers like Erie begins at $65, while Geico offers it for $75. Monthly 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."