A: Everyone who has had their license suspended and wants it back has to get SR22 insurance, regardless of their situation. Some of these people don’t even have cars. So how are they supposed to be insured? Here comes in non owner insurance, which is a sort of policy targeted at people who need to file an SR22 form with the DPS, and yet don’t have a car. Since they have no VIN number to write down, they can’t just get a regular policy.

San Antonio non owner SR22 insurance policies open doors for people in these situations by allowing them to purchase liability insurance (and nothing more) which will follow them around no matter what car they drive–the only requirement is that the car not be theirs. It’s flexible, since most companies which offer non owner insurance also offer all other kinds of insurance, so non owner policy holders can switch to an owner-operator policy if they buy a car.

One thing you have to look out for with non owner SR22 insurance is the cost. Because of its different way of rating, non owner insurance is more expensive than regular liability.