Non-Owner SR-22 Insurance for Florida

🚘 Non-Owner SR-22 Insurance for Florida Drivers

Essential Coverage for High-Risk Drivers Without a Vehicle

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🧭 What Is Non‑Owner SR‑22 Insurance?

Non‑owner SR‑22 insurance in Florida is a liability-only auto insurance policy filed with the Florida DHSMV (Department of Highway Safety and Motor Vehicles) that meets state-mandated requirements for high-risk drivers who do not own a vehicle. The SR‑22 is not insurance itself but a certificate showing that you carry the minimum required auto liability coverage.

It’s typically required after:

• A DUI/DWI conviction
• Driving without insurance
• Multiple traffic violations or reckless driving
• License suspension or revocation

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🛑 Why You Might Need It

Florida may mandate an SR‑22 if:

• You’re trying to reinstate your driver’s license
• You were in an at-fault accident without insurance
• You need to prove financial responsibility after a court order

Non-owner SR‑22 works for you if you don’t own a car, but still plan to:

• Rent cars
• Borrow vehicles occasionally
• Maintain a valid license without regular car ownership

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✅ What Does It Cover?

A non-owner SR‑22 policy does not cover your vehicle, but instead includes:

• Bodily Injury Liability (BIL) – Covers injuries to others in an accident you cause
• Property Damage Liability (PDL) – Covers damage to others’ property
• Optional:
  • Uninsured/Underinsured Motorist Coverage
  • Medical Payments (MedPay)

📌 Note: No coverage for damage to the car you’re driving or injuries to yourself.

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📍 Florida Minimum SR‑22 Coverage Requirements

As of 2025, Florida requires SR‑22 policies to include:

• $10,000 per person for bodily injury
• $20,000 per accident for bodily injury
• $10,000 for property damage

Some violations may require higher limits, such as $100,000/$300,000/$50,000.

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💰 How Much Does It Cost in Florida?

Category	Estimated Annual Cost
Clean record (non-owner policy)	$250–$400
With SR‑22 requirement	$600–$1,100
DUI conviction (non-owner SR‑22)	$1,200+

⚠️ Prices vary by age, zip code, insurer, and driving record. Shopping around is key.

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🏆 Best Non‑Owner SR‑22 Providers in Florida

Company	Specialization	Phone	Website
Dairyland	High-risk & non-owner policies	(888) 344‑4357	dairylandinsurance.com
Bristol West	Flexible SR‑22 filing in Florida	(888) 888‑0080	bristolwest.com
GEICO	Affordable non-owner SR‑22 rates	(800) 207‑7847	geico.com
Progressive	Online quotes & quick SR‑22 filing	(855) 347‑3939	progressive.com
Direct Auto	Same-day Florida SR‑22 filing	(877) 463‑4732	directauto.com

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📝 How to Get Non‑Owner SR‑22 Insurance in Florida

1. Contact a licensed insurer that offers non-owner policies
2. Request an SR‑22 filing with your policy
3. Pay the filing fee (typically $15–$35)
4. Your insurer files the SR‑22 directly with Florida DHSMV
5. Maintain continuous coverage (usually for 3 years)

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🚫 What’s Not Covered?

• Damage to a car you drive
• Medical bills for you or your passengers
• Driving a vehicle you own or have regular access to

This policy is strictly liability-only for cars you don’t own.

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🟢 Key Benefits

• Keep or reinstate your driver’s license
• Drive rental or borrowed vehicles legally
• Affordable compared to standard high-risk auto insurance
• Fulfill court or DMV SR‑22 requirements without owning a vehicle

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❗ Important Tips

• Don’t cancel early – A lapse will reset your SR‑22 term
• Update your insurer if your situation changes (buying a car, address change)
• Keep proof of coverage and certificate at all times

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📦 Alternatives If You Buy a Car Later

If you purchase a car during your SR‑22 requirement period:

• Switch to a standard SR‑22 owner policy
• Your insurer can convert your non-owner policy into a full one

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📞 Florida DMV Contact Info

• Florida DHSMV Headquarters
  2900 Apalachee Parkway, Tallahassee, FL 32399
  Phone: (850) 617‑2000
  Website: flhsmv.gov