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Rhode Island Non Owner SR22 Insurance

Rhode Island has many drivers that need to file SR22 insurance with the state and that includes those that don't own a car. It is possible to get the SR22 filing even if you don't own a vehicle and it may actually be more affordable this way. If you do own a car we can still help you find affordable SR22 insurance in RI but we specialize in drivers that don't own a car.

In most cases drivers want to reinstate their license after being convicted of reckless driving, driving under the influence of driving without insurance. The first step is to compare rates from multiple companies that offer non-owner SR22 policies. This type of policy is more common than you think especially when you live in a town where a lot of people take public transportation.

Rhode Island SR22 Insurance Requirements

The SR-22 is not an insurance policy alone but rather just a method that the Department of Motor Vehicles uses to confirm an insurance policy is in force. In fact the SR22 only costs approximately $25 to add on to an auto insurance premium. The requirements include having the filing continuously for the period determined by the court, usually three to five years. They also want to make sure you have the minimum level of liability insurance which is listed below:

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

Once the insurance company files the SR22 for you the process is simple, keep making payments. If you let the policy lapse then the insurance company will file an SR26 which shows the policy is cancelled or lapsed due to nonpayment.

How much is non-owner SR22 insurance in Rhode Island?

With rates being so widely different among the various insurance carriers it is wise to compare rates from at least 3 companies. We work with some of the most trusted and sought out insurance companies to find you affordable non-owner SR22 insurance.

Compare SR22 Insurance Rates:  

Once you compare rates it is simple to start a policy just select the company and continue with purchasing the policy online. After you complete the application then within minutes the SR22 form can usually be printed directly from the website or they will send an email with proof of insurance.

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.