Getting Non-Owner SR22 Insurance from Geico: Everything You Need to Know

If you need to file an SR22 but don’t own a car, non-owner SR22 insurance from Geico provides a solution. This type of policy satisfies state SR22 requirements for high-risk drivers without regular vehicle access.

Below, we’ll explain exactly how non-owner SR22 insurance works and what Geico offers:

What is Non-Owner SR22 Insurance?

Non-owner SR22 insurance provides liability coverage for drivers who must file an SR22 form but do not have a personal vehicle.

It works similarly to a standard non-owner liability policy, with the addition of filing the SR22. Some key things to know:

• You don’t need to own a car. Non-owner SR22 policies cover you when driving vehicles you don’t own, like rentals, borrowed cars, etc.

• Only liability coverage is included. This satisfies the minimum insurance requirements to get an SR22, but does not cover damage to non-owned vehicles.

• The company files the SR22. The insurer handles submitting the SR22 paperwork to the DMV on your behalf.

• Proof of insurance for license reinstatement. Non-owner SR22 shows you have active insurance, which may be required to get your license back after a DUI, lapse in coverage, or other violation.

• Continuous coverage. The policy must remain active to keep the SR22 valid, or your license could be suspended again.

Why Would I Need Non-Owner SR22 Insurance?

There are a few situations where non-owner SR22 insurance makes sense:

• Suspended license after a driving violation. For serious offenses like a DUI, you may lose your license until you file an SR22 showing you have coverage.

• Previous lapse in insurance. If you previously had a gap in auto insurance, you may have to carry an SR22 to prove you now have continuous coverage.

• No car access. If you live in a city and mostly use public transportation or rideshares, non-owner SR22 can provide the required insurance.

• Between cars. This serves as a temporary SR22 solution if you’re between vehicle ownership.

• Additional coverage for sharing cars. Non-owner policies cover occasions when you drive cars owned by family or friends.

So basically, non-owner SR22 provides compliance for those who can’t or don’t want to insure their own car year-round.

Does Geico Offer Non-Owner SR22 Insurance?

Yes, Geico is one of the few insurers that provides non-owner SR22 insurance options.

Some key facts about Geico non-owner SR22 coverage:

• Available in most states. Geico offers non-owner SR22 insurance in almost every state except Massachusetts, New York, and North Carolina.

• Liability limits. Geico’s non-owner SR22 insurance includes the minimum liability coverage required in your state. Limits are typically:

  • $25,000 bodily injury per person

  • $50,000 bodily injury per accident

  • $25,000 property damage per accident

• No collision or comprehensive. Non-owner SR22 only covers liability. Damage to the cars you drive is not included.

• SR22 filing: Geico handles submitting the SR22 paperwork to your state DMV when you purchase a policy.

• Policies from 1 month to 1 year. You can get non-owner SR22 from Geico for as short as 1 month or up to 1 full year.

So Geico offers a flexible non-owner SR22 insurance solution to meet state requirements.

How Much is Non-Owner SR22 Insurance from Geico?

Average costs for Geico non-owner SR22 insurance are:

• $150 – $350 per year for the full policy

• $15 – $25 one-time SR22 filing fee

However, your exact rates depend on:

• Your state. Insurance minimums vary by state, so base premiums range from around $150 to $350 annually.

• Your driving record. Multiple accidents or serious violations like a DUI will increase your costs.

• Your credit history. In most states, insurers check your credit and charge more for low credit scores.

• Policy term. Longer 6-month or 1-year policies typically offer lower per-month rates.

For the most accurate quote, call Geico at 1-800-207-7847 and provide your personal details. This ensures you get the best non-owner SR22 rate.

How Do I Get Non-Owner SR22 Insurance from Geico?

Follow these steps to get non-owner SR22 insurance from Geico:

1. Call Geico at 1-800-207-7847 to discuss your situation and get a personalized quote.

2. Provide information about your driving record, SR22 requirement, and length of policy needed.

3. Purchase the policy with required upfront payment. Ask any questions about coverage details.

4. Geico files your SR22 directly with the DMV electronically in most states.

5. Follow up with your DMV to ensure the SR22 filing went through properly before driving.

6. Maintain continuous coverage to keep the SR22 valid throughout its required term.

It’s quick and easy to have Geico handle the SR22 filing. Just make sure to call their experts to understand this specialized insurance.

What is an SR22 Requirement?

Before getting non-owner SR22 insurance, it helps to understand what an SR22 requirement entails:

• SR22 form. The SR22 is a form filed by insurers certifying that you have active auto insurance coverage.

• High-risk requirement. Drivers with serious violations, gaps in insurance, or repeat offenses often must carry an SR22 for 3+ years.

• Mandatory minimum liability. An SR22 requires insurance with your state’s minimum liability coverage or higher.

• License reinstatement. Filing an SR22 is usually necessary to get your license reinstated after a DUI, traffic citation, or lapse in coverage.

• No car required. Non-owner policies satisfy SR22 requirements for those without a personal vehicle.

• Coverage gaps prohibited. If your policy lapses, the insurer immediately notifies the DMV, leading to another license suspension.

So in essence, the SR22 proves you have maintained the minimum insurance to drive legally in your state. Non-owner SR22 meets this obligation if you aren’t insuring your own car.

Why Choose Geico for Non-Owner SR22 Insurance?

There are a few key benefits to choosing Geico for non-owner SR22 coverage:

• One of the few providers – Geico is one of only a handful of major insurers offering non-owner SR22 insurance.

• Online quotes – You can get estimates and purchase policies directly on Geico’s website.

• Flexible terms – Geico offers policy lengths from 1 month up to a full year.

• SR22 experts – Geico has specialized agents to walk you through getting non-owner SR22 insurance.

• Policy discounts – You may qualify for multi-policy, safe driver, and other discounts to save money.

• Strong financial backing – Geico has the resources as one of the nation’s largest auto insurers.

• Good student discount – Full-time high school or college students under 25 can save with Geico.

For most drivers needing non-owner SR22 insurance, Geico offers an easy and affordable solution. Their specialized policies make compliance simple.

Alternatives to Non-Owner SR22 Insurance

Aside from Geico, there are a few other ways to meet SR22 requirements without a car:

• Other insurers – Allstate, Progressive, State Farm and some other national companies offer non-owner SR22 in select states.

• Local providers – Smaller regional and independent agents may provide non-owner SR22 options in your area.

• Public transportation – Using busses or trains as your primary transport may exempt you from insurance requirements.

• Bicycle/walking – Active forms of transportation like biking or walking may also waive minimums.

However, Geico’s non-owner SR22 insurance provides the most convenient and affordable solution for most drivers. Make sure to compare multiple quotes.

Next Steps for Getting Non-Owner SR22 Insurance

If you need to file an SR22 form but don’t have a car, follow these next steps:

• Call Geico at 1-800-207-7847 to get a fast quote and purchase non-owner SR22 insurance.

• Check other companies like Progressive, Allstate and State Farm for comparison quotes.

• Ask about discounts to reduce your premiums, like multi-policy, safe driver, good student, etc.