How It Works
Enter your ZIP code and tell us about your suspension type
Get matched with carriers who write policies for suspended license drivers in your state
Choose your coverage and your insurer files any required SR-22 directly with your state DMV
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Frequently Asked Questions
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Non-Owner SR-22 Insurance
Non-owner SR-22 provides state minimum liability coverage when you drive someone else's vehicle with permission and satisfies your DMV filing requirement without naming a specific car. It does not cover any vehicle you later purchase.
Non-Owner FR-44 (FL and VA)
Florida and Virginia require FR-44 filing for DUI offenses, which mandates doubled liability limits: $100,000/$300,000 in Florida and $50,000/$100,000 in Virginia. Non-owner FR-44 premiums run roughly twice the cost of standard SR-22.
Liability-Only Non-Owner Coverage
Non-owner policies include only bodily injury and property damage liability—no collision, comprehensive, or medical payments. You're covered when driving a borrowed car, but the vehicle owner's policy pays first in most states.
Occasional Driver Insurance
If you drive infrequently or rent cars a few times per year, non-owner policies provide continuous liability coverage across all borrowed or rented vehicles. Coverage follows you, not the vehicle.
Compliance-Only Non-Owner Policy
Some drivers purchase non-owner SR-22 solely to satisfy state filing requirements with no intention of driving during the suspension period. The policy remains active, but the driver does not operate a vehicle until reinstatement is complete.
Cheap SR-22 Filing Coverage
The lowest-cost SR-22 option is a non-owner policy at your state's minimum liability limits. Premiums average $300–$600 per year versus $900–$1,800 for owner SR-22, saving $600–$1,200 over a typical 3-year filing period.