If you’re required to file an SR-22 in Florida but don’t own a vehicle, a non-owner SR-22 insurance policy may be the solution you’re looking for. This type of policy allows drivers to meet Florida’s legal requirements after certain violations—without purchasing or insuring a car.
Non-owner SR-22 insurance is common after license suspensions, DUI-related violations, or serious driving offenses, and it’s often misunderstood. Non-owner policies are one option for meeting SR-22 insurance in Florida requirements when you do not own a vehicle. Below, we break down how it works, who needs it, how much it costs, and how to stay compliant with Florida law.
What Is Non-Owner SR-22 Insurance?
A non-owner SR-22 insurance policy is an auto insurance policy designed for drivers who:
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Do not own a vehicle
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Still need to file an SR-22 certificate with the Florida DHSMV
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Want to legally reinstate or maintain their driver’s license
The SR-22 itself is not insurance. It is a state-required filing that proves you carry the minimum liability coverage required under Florida law. A non-owner policy provides that liability coverage when you occasionally drive vehicles you do not own.
Who Needs Non-Owner SR-22 Insurance in Florida?
You may need non-owner SR-22 insurance if:
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Your Florida license was suspended or revoked
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You were convicted of a DUI, DWI, or serious traffic violation
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You no longer own a vehicle but still need to drive legally
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You borrow or rent vehicles occasionally
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You are required by the state to maintain proof of insurance for reinstatement
This policy does not cover vehicles you regularly use or cars owned by someone in your household. It is strictly for drivers without vehicle ownership.
How Non-Owner SR-22 Insurance Works
Once you purchase a non-owner policy, your insurance provider files the SR-22 certificate directly with the Florida Department of Highway Safety and Motor Vehicles.
As long as:
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Your policy remains active
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Payments are made on time
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Coverage does not lapse
…your license stays compliant.
If the policy cancels for any reason, the insurer must file an SR-26, notifying the state—and your license can be suspended again.
How Much Does Non-Owner SR-22 Insurance Cost in Florida?
SR-22 Filing Fee
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$15 to $25 one-time fee (paid to the insurance company, not the state)
Policy Cost (Monthly or Annual)
While the SR-22 filing itself is inexpensive, the insurance premium can be higher, depending on:
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Your driving record
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The violation that triggered the SR-22 requirement
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Length of time since the offense
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Required Bodily Injury Liability coverage, which Florida may mandate for certain violations
Drivers with DUI convictions or multiple violations often see higher monthly premiums, even with a non-owner policy. However, non-owner SR-22 insurance is typically less expensive than owner SR-22 coverage, since no vehicle is being insured.
How Long Do You Need SR-22 Insurance in Florida?
In most cases, Florida requires SR-22 coverage for three years, but the exact timeframe depends on the violation.
It’s critical to maintain continuous coverage during this period. Even a short lapse can reset the requirement and trigger another suspension.
SR-22 Insurance in Miami and Across Florida
Florida SR-22 requirements apply statewide, including Miami, Kendall, Homestead, Fort Lauderdale, Orlando, Tampa, and Jacksonville. Local driving conditions, traffic density, and violation history can influence premium costs, especially in South Florida.
For drivers who operate vehicles for work or commercial purposes, SR-22 requirements may intersect with commercial auto insurance or broader coverage needs, depending on the vehicle use.
How SR-22 Fits Into Broader Insurance Needs
SR-22 filings often reveal larger coverage gaps—especially for drivers who later start a business, use vehicles for work, or need higher liability limits. Such drivers may need Florida commercial auto insurance rather than a personal auto policy, and then include the SR-22 filing in their policy. As your situation changes, it may make sense to review business insurance solutions in Florida to ensure proper protection beyond minimum auto requirements.
Frequently Asked Questions About Non-Owner SR-22 Insurance
Does non-owner SR-22 insurance cover rental cars?
Yes, liability coverage typically applies when renting a vehicle, but it does not include physical damage coverage.
Can I use non-owner SR-22 if I live with someone who owns a car?
Usually no. Insurers may require you to be listed on the household vehicle policy instead.
What happens if my policy lapses?
Your insurer files an SR-26, and Florida may suspend your license again.
Can I cancel my SR-22 early?
Only after the state requirement ends. Canceling early can restart the filing period.
Get Help With Non-Owner SR-22 Insurance in Florida
Finding the right SR-22 policy isn’t just about price—it’s about staying compliant and avoiding future suspensions.
Call now to speak with an SR-22 insurance specialist