On this page
Travelers is the best non-owner SR-22 insurance company overall in 2026, at $40 a month with a MoneyGeek score of 98 out of 100. State Farm and Kemper are the cheapest widely available carriers, at $33 a month each. Auto-Owners is the cheapest in several states, at $207 a year in CarInsurance.com’s data, but it only writes policies in about half the country. USAA beats them all at $28 a month, but only military members, veterans, and their families can buy it.
A non-owner SR-22 policy is liability coverage for a driver who does not own a car and needs to file an SR-22 form with the state. The filing proves you carry the legally required coverage after a DUI, driving without insurance, or another serious violation. The policy follows you as a driver, not a vehicle, which is why it costs roughly half what an owner SR-22 policy costs. The hard part is not the price. It is finding a carrier that sells the policy at all, since many major insurers do not write non-owner coverage, and most that do will only sell it through an agent.
Which company has the best non-owner SR-22 insurance?
Travelers takes the top spot because it combines a low price with the strongest overall rating. MoneyGeek’s 2026 non-owner SR-22 analysis gives Travelers a score of 98 out of 100, the highest in its comparison, at $40 a month for a liability-only policy. That score reflects price, financial strength, and customer satisfaction together, not price alone. Travelers also sells non-owner policies in most states, which matters because the cheapest carrier in a ranking is useless if it does not write policies where you live.
GEICO is the best widely available option for most drivers. Insurance.com’s 2026 data names GEICO the cheapest non-owner carrier open to everyone, at $458 a year for a standard non-owner policy, and GEICO sells in all 50 states with online quoting in many of them. For the SR-22 version specifically, MoneyGeek’s state data shows GEICO at $42 a month in Illinois and $44 a month in New Hampshire, consistently in the cheapest three. GEICO also carries an A++ AM Best financial strength rating and a J.D. Power score of 835 in Illinois data.
State Farm is the cheapest in the states where it leads, and it leads in several. MoneyGeek’s New Hampshire analysis puts State Farm’s non-owner SR-22 at $27 a month, against a state average of $51 a month, and its clean-record non-owner policy at $21 a month. State Farm also has the highest J.D. Power score in the Illinois comparison at 842, and the largest agent network in the country, which matters when a policy can only be bought through an agent. The catch is availability: State Farm’s non-owner SR-22 price in Ohio is $2,437 a year in one comparison, the most expensive in the state, so the carrier that wins in New Hampshire can lose badly in Ohio.
How do the cheapest non-owner SR-22 carriers compare?
The cheapest carrier changes by state, and the gap between the cheapest and most expensive in the same state can be more than double. The table below uses three datasets, each named, because no single dataset covers every state and every carrier. MoneyGeek’s figures are monthly averages for liability-only non-owner SR-22 policies. CarInsurance.com’s figures are annual averages from Quadrant Information Services. Insuranceopedia’s figures are state-level annual averages.
| Carrier | Non-owner SR-22 price | Where it wins | Availability |
|---|---|---|---|
| USAA | $28 a month | Cheapest overall | Military members and families only |
| State Farm | $33 a month | Cheapest in New Hampshire, $27 a month | All states, agent only for non-owner |
| Kemper | $33 a month | Cheap nationally | Most states, high-risk focus |
| Travelers | $40 a month | Best overall score, 98 out of 100 | Most states |
| Auto-Owners | $207 a year | Cheapest in Illinois, Ohio, $290 to $362 a year | About half the states |
| GEICO | $458 a year | Cheapest widely available non-owner policy | All 50 states |
| Progressive | $488 a year in Ohio | Accepts most high-risk drivers | All 50 states |
Two state examples show why you cannot pick a carrier from a national table. In Illinois, Auto-Owners charges $362 a year for a non-owner SR-22 policy, which matches its standard non-owner rate, while Progressive charges $919 a year for the same filing, a $557 gap. In Ohio, Auto-Owners charges $290 a year, Progressive $488, and GEICO $492, while State Farm charges $2,437. The same carrier can be the cheapest in one state and the most expensive in another, which is why every non-owner SR-22 shopper needs quotes from at least five carriers in their own state.
The national average for a standard non-owner policy without an SR-22 filing is $486 a year, according to Insurance.com’s 2026 analysis. Adding the SR-22 filing raises the price, but by less than most drivers expect: the filing itself is a one-time fee of $15 to $25, and the real cost is the high-risk rating that comes with the violation. Our guide to SR-22 insurance without a vehicle cost breaks down the monthly price by state, including the $262 a year South Dakota average and the $1,487 a year New Jersey average.
Which carriers do not sell non-owner SR-22 policies?
Not every major carrier sells non-owner policies, and the ones that do often hide them. MoneyGeek has noted that most major insurers do not write non-owner policies as a standard online product, and Insuranceopedia reports that most providers restrict online quoting for non-owner coverage and require direct agent contact. That is why a driver who gets a quote online from a carrier’s website and sees no non-owner option should not assume the carrier does not sell it. Call an agent and ask directly.
Allstate is the notable gap in the published comparisons: it appears in few non-owner SR-22 price tables, which usually means it either does not write the product in most states or only writes it through agents at prices that do not show up in online datasets. Farmers appears in the tables but at high prices, $615 a year for a standard non-owner policy and $741 a year for a non-owner SR-22 in Ohio. Nationwide appears at $758 a year for a standard non-owner policy and $568 a year for a non-owner SR-22 in Ohio, mid-pack in both.
Regional and high-risk specialists fill the gaps the national brands leave. Dairyland and The General write non-owner SR-22 policies in many states and are often the only option for drivers with multiple violations or a recent DUI. National General, Infinity, and Aspire General also write SR-22 filings through agents and brokers. If the five national carriers all decline you or quote over $100 a month, a local independent broker who works with high-risk carriers is the next step, not a second round of online quotes.
What should you look for besides price in a non-owner SR-22 policy?
Price is the first filter, but three other factors decide whether a cheap non-owner SR-22 policy is actually a good one. The first is filing speed. Some carriers file the SR-22 with the DMV the same day, others take several days, and a slow filing can delay your license reinstatement by a week. Ask the agent how fast the filing goes in and whether you get confirmation.
The second is financial strength. An SR-22 policy is liability coverage, and its whole job is paying claims against you. All five carriers in the table above carry A++ or A+ AM Best ratings except Progressive at A+, which means they can pay claims even in bad years. A carrier with a weak financial rating is a bad choice at any price, because a liability claim is exactly when you need the insurer to be solvent.
The third is customer satisfaction, because SR-22 drivers file claims and deal with the DMV more often than average drivers. J.D. Power’s state-level scores show State Farm at 842 and Auto-Owners at 838 in Illinois, the two highest in that comparison, with GEICO at 835 and Progressive at 820. The spread is small, but it points the same way as the price data: State Farm and Auto-Owners are strong on both price and service in the states where they lead.
How do you buy a non-owner SR-22 policy?
Call an agent. That is the whole process for most carriers, because non-owner SR-22 policies are rarely sold online. Have your license number, your DMV notice or court order, and the exact requirement length ready. Tell the agent upfront that you need a non-owner policy with an SR-22 filing, because that changes which carriers can help you and which quote tools the agent uses. Agents at GEICO, Progressive, and State Farm can quote non-owner SR-22 policies directly. For Dairyland, The General, or National General, an independent broker is usually faster.
Ask the agent to confirm four things before you pay. First, that the carrier files SR-22s in your state. Second, that the liability limits meet your state’s minimums. Third, how fast the filing reaches the DMV. Fourth, what happens if you buy a car during the requirement, since you will need to convert the non-owner policy to an owner policy without breaking the filing. Our guide to whether you need SR-22 and regular insurance clears up the most common confusion: the SR-22 is a filing attached to your policy, not a separate policy, so one policy with the filing on it is all you need.
Once the policy is active, confirm the filing with your DMV directly. The insurer files the form, but the DMV lifts the suspension, and a filing error can leave you driving on a suspended license without knowing it. Keep the filing confirmation and your insurance ID card together, and set a reminder for the requirement end date. Most states require three years, so a policy bought in November 2026 usually runs to November 2029.
What mistakes raise the price or break the filing?
The most expensive mistake is a lapse. If your policy cancels or lapses during the requirement period, your insurer notifies the DMV, your license can be suspended again, and in many states the three year clock restarts. That turns a $2,700 three year policy into a $5,400 six year problem. Set the policy to auto-pay, keep the card on file current, and never cancel the old policy until the new one is active and confirmed to carry the filing.
The second mistake is buying a non-owner policy while regularly driving a car you own or have regular access to. Insurers define regular use narrowly, and a claim on a car you drive every day can be denied on a non-owner policy. If you buy a car, convert to an owner policy immediately. If you drive a family member’s car daily, that car needs to be listed on a standard policy, not covered by your non-owner policy.
The third mistake is quoting only one carrier. The Illinois gap between Auto-Owners at $362 a year and Progressive at $919 a year is $557 a year for the same filing in the same state. The Ohio gap between Auto-Owners at $290 and State Farm at $2,437 is $2,147 a year. No single carrier is cheapest everywhere, and the only way to find your cheapest is to quote five. Our guide to the cheapest SR-22 insurance covers the owner-policy side of the same comparison, and our SR-22 cost and duration guide explains the filing timeline in full.
Key takeaways
Travelers is the best non-owner SR-22 carrier overall at $40 a month with a 98 out of 100 MoneyGeek score. State Farm and Kemper are the cheapest widely available carriers at $33 a month. Auto-Owners is cheapest in Illinois and Ohio at $290 to $362 a year, but it does not write policies everywhere. USAA is cheapest at $28 a month for military members and families. Buy through an agent, confirm the filing with your DMV, keep the policy continuous for the full requirement, and quote at least five carriers, because the cheapest carrier changes by state and the gap can run over $500 a year.
Frequently asked questions
What is the best non-owner SR-22 insurance company?
Travelers is the best non-owner SR-22 insurance company overall in 2026, at $40 a month with a MoneyGeek score of 98 out of 100. GEICO is the best widely available option, at $458 a year for a standard non-owner policy and sold in all 50 states. State Farm is cheapest in several states, including New Hampshire at $27 a month. The best carrier for you depends on your state, so quote at least five.
How much does non-owner SR-22 insurance cost per month?
Non-owner SR-22 insurance costs about $75 a month on average in 2026, according to MoneyGeek, with most drivers paying $30 to $90 a month. The cheapest carriers run lower: USAA at $28 a month for military families, State Farm and Kemper at $33 a month, and Travelers at $40 a month. CarInsurance.com’s annual data puts the national average at $574 a year, or about $48 a month.
Which companies offer non-owner SR-22 insurance?
GEICO, State Farm, Progressive, Travelers, Nationwide, Kemper, Auto-Owners, Dairyland, The General, and National General all sell non-owner SR-22 policies in at least some states. Not every major carrier sells them, and most that do require you to buy through an agent rather than online. USAA sells them too, but only to military members, veterans, and their families.
Can I buy non-owner SR-22 insurance online?
Usually not. Most carriers restrict online quoting for non-owner coverage and require direct agent contact. GEICO is the exception in some states, where online quoting is available. For most drivers, the fastest route is calling an agent at GEICO, Progressive, or State Farm, or calling an independent broker who works with high-risk carriers such as Dairyland and The General.
How long do I need non-owner SR-22 insurance?
Most states require the SR-22 on file for three years, with a range of one to five years depending on the state and the offense. Texas requires 2 years, or 3 years after a DWI. Your court order or DMV notice states the exact length. Coverage must stay continuous for the whole period, because a lapse can suspend your license again and restart the clock.
Is non-owner SR-22 insurance cheaper than regular SR-22 insurance?
Yes, usually by about half. A non-owner SR-22 policy costs about $75 a month on average, while an owner SR-22 policy typically runs $85 to $145 a month for liability only, and $125 to $175 a month after a DWI in Texas. The non-owner version is cheaper because it covers liability only and does not insure a specific vehicle. Over a three year requirement, the difference is about $1,775.
