Do I Need SR-22 Insurance If I Do Not Own a Car?

SR-22 is a form filed with the state to prove you have the minimum car insurance required for San Diego, CA. This form is also referred to as a “Certificate of Financial Responsibility” and is required by most state’s departments of motor vehicles for high-risk insurance policies. Not everyone is required to obtain an SR-22. The SR-22 form is typically required for those drivers who have been caught without insurance or a valid driver’s license. 

Our agents at Let’s Insure can help you determine if an SR-22 is required and help you through the process. 

Why Would I Need an SR-22? 

You may be required to get an SR-22 by your state, or the courts can order it. If your SR-22 request is state-ordered, you typically will receive a letter from your department of motor vehicles. If the request is court-ordered, the judge notifies you of this requirement during your hearing. 

Common reasons for an SR-22 to be required include: 

  • Having a DUI/DWI conviction
  • Having too many at-fault accidents/violations
  • Driving without enough insurance
  • Being a repeat speeding offender
  • Not paying court-ordered child support
  • Having a hardship license

Do I Need SR-22 if I Do Not Own a Car? 

Certain circumstances may still require you to have an SR-22 even if you do not own a vehicle. For example, there may be times when you might borrow a car from a friend, which would still require you to have a valid driver’s license. In addition, as a high-risk driver, even if you do not own a vehicle, you will still need to file a non-owner SR-22 certificate to drive a borrowed car. 

San Diego, CA high-risk drivers can continue driving under special circumstances after filing their SR-22. Call us today at Let’s Insure for additional information and assistance filing your SR-22 documents.