Non-owner SR-22 insurance in Texas

If you’ve committed a moving violation, a court may order you to get an SR-22. But what if you need SR-22 insurance without a vehicle registered in your name?

This is where non-owner SR-22 insurance comes in. If you’re a Texas resident that’s ordered to file for an SR-22 but you don’t have a vehicle, Agencia de Seguros de Accesso, LLC (A Abana) can help you! Our Spanish-bilingual agents can assist you with comparing non-owner SR-22 insurance quotes in Texas that work for your budget.

What is non-owner SR-22 insurance in Texas?

Though commonly referred to as insurance, an SR-22 isn’t insurance at all. An SR-22 is a certificate of financial responsibility that proves that you have the minimum liability coverage required in your state. If you don’t own a vehicle but need to file, you may need to get a non-owner SR-22 policy to drive legally in Texas.

You may be required to get an SR-22 if you’ve been involved in certain traffic offenses, such as driving under the influence, driving with an expired license, or driving without auto insurance. If you have questions about how to file, call A Abana at 1-214-764-8868 to discuss your insurance options!

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Who needs a non-owner SR-22 in Texas?

If you’ve been mandated to file for a non-owner SR-22 in Texas, it may be due to a variety of factors or violations. Some of these include:

Drivers with a suspended or revoked license: If your license has been suspended and you need to reinstate it, you may need to prove your financial responsibility through an SR-22.
Drivers without a vehicle: If you don’t own a vehicle but drive rental cars or borrow vehicles from friends or family, you may need a non-owner SR-22.
Drivers who had their insurance lapse: If you had your policy cancelled or allowed your coverage to lapse, you may need to get non-owner SR-22 insurance in Texas to drive legally.

How does a non-owner SR-22 work?

An SR-22 is typically a certificate that’s filed with the Texas DPS that shows that you have the state’s minimum liability coverage. With a non-owner SR-22 in Texas, your liability coverage may pay for damages that you cause to third-party property when you’re driving someone else’s vehicle.

Does a non-owner SR-22 work differently than a standard SR-22? Though they’re both certificates of financial responsibility, they may slightly differ in these ways:

Does not cover vehicles registered to you or in your household: If you get a standard SR-22, it only applies to a vehicle that’s registered in your name. If you purchase a car later and still have a non-owner SR-22, you may need to switch to a standard SR-22 to continue fulfilling your legal requirements.
May help reinstate driving privileges: For drivers without a vehicle but are trying to reinstate their licenses, they may need to obtain a non-owner SR-22 instead of a standard one.

Have questions about non-owner SR-22 insurance in Texas? Contact A Abana and speak to one of our experienced, Spanish-bilingual agents about your insurance options!

How to get a non-owner SR-22

Following these steps may help you with acquiring or maintaining a non-owner SR-22:

Find a reputable agency: A trusted insurance agency like A Abana can help you compare non-owner insurance quotes from 20+ carriers that may work for your budget.
Pay the required fee: The cost for filing an SR-22 is typically around $25, but that may vary based on factors such as your location and the length of required coverage.
Purchase a non-owner auto insurance policy: If you don’t drive your own vehicle, you’ll need to buy a non-owner auto insurance policy with your state’s required minimum coverage.

Once payment is finalized for a policy, we can help you file your non-owner SR-22 with Texas DPS and receive same-day proof of insurance.

The cost of non-owner insurance in Texas

Your car insurance premium for a non-owner policy in Texas may vary based on a combination of factors. These can include:

ZIP code
Age
Driving history
Type of violations you’ve incurred

Though non-owner liability-only policies may be more affordable than a full coverage policy, you may find auto insurance premiums that are too pricey. With A Abana, we can help you find affordable non-owner insurance that aligns with your requirements and budget.

How to get a non-owner SR-22 in Texas with A Abana

By contacting A Abana, we can assist you with locating a policy that works for you and help you file your SR-22, often on the same day. Here’s what we can offer you:

Local offices in Texas: If you live in Texas, you can find accessible A Abana locations and support from our knowledgeable agents.
Affordable rates and flexible payment plans: A Abana’s carriers can offer budget-friendly options to help you maintain your insurance policy.
Straightforward SR-22 filing process: We can help you file your SR-22 and get same-day ID cards, once payment is issued.

Ready to get a non-owner SR-22 policy in Texas? Call A Abana today at 1-214-764-8868 to speak with our friendly agents or visit our website for a free personalized quote.

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FAQs

How long do I need to carry non-owner SR-22 insurance?

In Texas, you typically have to maintain your SR-22 for two years. The exact duration may vary depending on certain factors like the severity of your driving offense.

Can I switch from non-owner SR-22 to standard SR-22 later?

Yes, you can. If you purchase a vehicle in the future, you may need to transition from a non-owner SR-22 to a standard SR-22.

Does a non-owner SR-22 cover rental cars?

Having a non-owner SR-22 simply means that you are maintaining the minimum liability coverage for your state. A non-owner SR-22 won’t cover rental car damages, but having a non-owner auto insurance policy may be able to cover certain damage you cause to a third-party while driving a rental car.

What happens if my SR-22 lapses?

If your SR-22 lapses, your insurance company may notify the state, which may result in license suspension or additional penalties.

Disclaimer:
This material is for general informational purposes only. Products, services, and discounts referenced herein are not available in all states or in all companies. All statements are subject to the terms, exclusions, and conditions of the applicable policy. In all instances, current policy contract language prevails. Coverage is subject to individual policyholders meeting the insurer's underwriting qualifications and state availability. Other terms, conditions and exclusions may apply.