Georgia SR22 Non Owner & SR22A Non Owner Insurance are for Drivers Who Don’t Own a Vehicle

SR22 or SR22A Georgia Non Owner Insurance is needed to reinstate your suspended driver’s license if you do not own a vehicle or have regular use of one.  Like an Owner Operator policy, a Georgia SR22 Non Owner Policy is a 6 month paid in full policy.    The SR22 (Safety Responsibility) Filing indicates that you have at least the minimum liability limits for the state of Georgia which is Bodily Injury at $25,000 per person, $50,000 per accident, and $25,000 for Property Damage.  You can also purchase Uninsured Motorist coverage for protection against uninsured drivers.   SR22 & SR22A Georgia Non Owner Insurance policies only cover you as a driver.  There is no coverage for Comprehensive & Collision.  It does not cover a vehicle that you own or have regular access to.  Not all auto insurance companies write SR22 policies, and fewer companies write Non Owner policies.   We write through multiple carriers that issue these policies.

Need Georgia SR22 or SR22A Non-Owners Filing Before You Purchase a Vehicle?

Many times our clients will need to get SR22 or SR22A Georgia Non Owners Insurance to regain their driving privileges with plans to purchase a vehicle sometime in the near future.  Once a vehicle is purchased, a Non-Owners policy can be converted to an Owner Operator policy.   Contrary to popular belief, there is not much difference in the premium to convert a Non-Owners policy with just Liability or Liability & Uninsured Motorist to an Owner-Operator policy with the same coverage.   If Comprehensive & Collision are added to the policy, there is sometimes a substantial difference in the premium.  The pro-rated difference in the premium would have to be paid to maintain coverage.  If you plan on purchasing a vehicle shortly after reinstating your driver’s license, we can also give you a quote for an Owner Operator.  There would be no need to purchase another policy.

Why Do You Need a Georgia SR22 Insurance Filing?

In Georgia, an SR22 filing is often required for drivers who have had certain violations or incidents on their driving record. This form is not actually an insurance policy but a certificate of financial responsibility that your insurance company files with the state to prove you carry the minimum required liability coverage. The need for an SR22 typically arises after serious traffic offenses such as DUIs, or reckless driving. Essentially, the state wants to ensure that you are financially responsible and insured while you regain the privilege to drive legally.

Even if you don’t own a vehicle, you may still be required to file an SR22 if you wish to maintain or reinstate your driving privileges in Georgia. This situation often applies to individuals who drive borrowed, rented, or employer-provided vehicles. The SR22 requirement ensures that you can legally drive while meeting the state’s insurance standards. Without this filing, your license could remain suspended or revoked, limiting your mobility and potentially affecting your daily life and work. Understanding why you need an SR22 filing is the first step toward complying with Georgia’s regulations and getting back on the road safely.

Understanding Non-Owner SR22 Insurance

 

If you don’t own a vehicle but are required by the state of Georgia to file an SR22, non-owner SR22 insurance is the solution designed specifically for your situation. This type of insurance provides the necessary proof of financial responsibility without the need to insure a car, making it ideal for individuals who drive vehicles they don’t own—such as rental cars, borrowed cars, or company vehicles.

Non-owner SR22 insurance typically offers liability coverage, which protects other drivers and property in case of an accident, but it usually does not cover damages to the vehicle you are driving. This means you’ll be covered for bodily injury and property damage you may cause to others, but not for repairs to the car you are operating. Because of this limited coverage, non-owner SR22 policies are often more affordable than traditional auto insurance.

It’s important to understand that the SR22 is not insurance itself but a certificate of financial responsibility filed with the Georgia Department of Driver Services to reinstate or maintain your driving privileges after certain violations, such as DUIs or multiple traffic offenses. Non-owner SR22 insurance allows you to meet the state’s requirements without owning a vehicle, ensuring you stay compliant and legally on the road.

Before purchasing a non-owner SR22 policy, confirm that the insurance company files the SR22 form on your behalf and that the coverage meets Georgia’s minimum liability requirements. Also, keep in mind that not all insurers offer non-owner SR22 policies, so it may take some research to find a provider that fits your needs.

We’re Here To Help With SR22 & SR22A Non-Owners Insurance

Our agency can help you save on SR22 or SR22A Georgia Non Owner Insurance.  We know that getting your driver’s license back is important to you, and we’re here to help and answer any questions.  Getting a Non-owners insurance policy is fast and easy.  After we activate your policy, we’ll have your filing fax to Georgia Department of Driver Services.  We’ll also email or fax over to you the filing, Declaration page, and I.D. cards.   That way you can print your SR22A Filing, and take it with you when you go to reinstate your driver’s license.  As long as you have satisfied all the other requirements from Georgia Department of Driver Services, you’ll be able to reinstate your driver’s license the same day.  Call us at (678) 407-9277 or fill out our Short Quote Request Form to see how much you can save.  You can choose to receive your money saving quote by phone, or by email.