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New York Non Owner SR22 Insurance

While New York is currently not a state that requires SR22 insurance they still require all drivers to be insured. This means that if you don't own a vehicle or if you do we can help you find cheap auto insurance in New York. Keep in mind that the Department of Motor Vehicles will want to see proof of insurance before they renew or start a driver's license for you.

Drivers without a car can still get affordable insurance but the policy will only cover liability since there is no specific car to insure. If you borrow a car from a friend make sure that they have insurance on the car that includes comprehensive and collision because it will not be covered by your non-owner policy.

New York Auto Insurance Requirements

New York like other states has a minimum level of liability insurance required to operate a vehicle. Whether you own a car or not the limits are the same. The best thing to do is ask an insurance agent what level of coverage is recommended. We are not licensed to give this type of advice but the companies we represent have professional agents ready to answer your questions.

Bodily Injury Per Person Bodily Injury Per Occurrence Property Damage
$25,000 $50,000 $10,000

The liability limits set by the state are by no means a recommendation of coverage but rather the minimum level accepted in the state of New York. It may make sense to have higher liability limits in place but ask your insurance agent for their advice.

How much is non-owner auto insurance in New York?

The great news is that auto insurance in New York is going to be cheaper if you don't own a vehicle. This is due to no insurance coverage for the car but only the liability portion of the policy. If you ever buy a car you can easily change the policy to include coverage for that car.

Compare SR22 Insurance Rates:  

Keep in mind that you will still be rated based on your past driving history, credit, location and other factors that can determine the premium. It is recommended to ask for all possible discounts available including multi-policy discounts which work if you own or rent a home. Do your shopping online today and get a policy started now.

SR22 Insurance FAQs

Can I get SR22 Insurance without a vehicle?

Yes, in fact this can often be the most cost effective way to get SR-22 insurance. If you don't own a vehicle you can ask for a non owner auto insurance policy which is explained below. 

What is an SR22 filing?

SR22 Auto Insurance is simply proof of liability insurance for the state. This certificate proves that the driver carries liability insurance that meets the state minimum requirement. The SR-22 form is submitted to the state from the insurance company and they will notify if the policy is cancelled.

How long do I need an SR22?

Many states require you to carry an SR22 from 3 to 5 years depending the type of violation. If you cancel the SR22 during the probation period you will need to start over.

What is a non-owner auto insurance policy?

If you don't own a vehicle and still need to carry liability insurance you can start a non-owner policy. Many drivers who need to file an SR22 form don't have a vehicle so they would need a non-owner SR22 insurance policy. This policy allows you to drive any car with at least state minimum liability limits.