Does USAA Offer Non-Owner SR-22 Insurance? A Complete Guide

Getting auto insurance can be more complicated if your license has been suspended and your state requires you to file an SR-22 form. Fortunately, USAA does offer non-owner SR-22 policies. Below is a comprehensive guide on USAA’s non-owner SR-22 insurance including eligibility, coverage, costs and more.

What is Non-Owner SR-22 Insurance?

Non-owner SR-22 insurance provides liability protection for drivers who need to file an SR-22 certificate with their DMV but do not currently own a car. It is often required of high-risk drivers to reinstate their license.

An SR-22 is a form filed by your insurer with the state proving you meet minimum liability coverage mandates. It is sometimes called a “financial responsibility filing.”

Non-owner SR-22 policies only cover liability if you cause an accident when driving a non-owned vehicle, such as a rental car, borrowed car or rideshare. Comprehensive and collision coverage is not included.

Does USAA Offer Non-Owner SR-22 Insurance?

Yes, USAA does provide non-owner SR-22 insurance options. As a full-service insurance provider, USAA offers a range of standard and specialty auto insurance products.

USAA non-owner SR-22 insurance policies include:

  • Liability protection if you cause an accident driving a non-owned car
  • Ability to have USAA file your SR-22 form with the DMV
  • Minimum coverage levels to meet state requirements
  • Add-on coverages like medical payments or uninsured motorist protection (in some states)

To get a USAA non-owner SR-22 insurance quote, you’ll need to call their sales team at 1-800-531-8722. An agent can explain coverages, pricing and begin the application process.

Am I Eligible for USAA Non-Owner SR-22 Insurance?

USAA has eligibility requirements to qualify for their non-owner SR-22 policies:

DMV Mandated Filing: You must have a current SR-22 filing requirement with your state DMV to reinstate your license. This is typically for high-risk drivers.

No Vehicle Access: USAA requires you do not have regular access to a vehicle you or a household member owns. Non-owner insurance is intended for those without a car.

USAA Membership: You must be eligible for USAA property and casualty insurance, which is limited to military members, veterans and their families.

If you meet these criteria, you can contact USAA to enroll in an SR-22 policy if you need proof of insurance to drive again legally.

What Does USAA Non-Owner SR-22 Insurance Cover?

USAA’s non-owner SR-22 insurance provides liability protection when you drive cars you don’t own. Coverages may include:

  • Bodily Injury Liability: Covers injuries to others if you cause an accident up to policy limits, such as $50,000 per person.

  • Property Damage Liability: Covers damage you cause to another vehicle or property up to stated limits, like $25,000 per accident.

  • Personal Injury Protection: Provides coverage for medical expenses for you and passengers after an accident, required in some states.

  • Uninsured Motorist: Protects you if hit by a driver with no insurance, required in some states.

Policy limits must meet your state’s minimum liability requirements. Add-on coverages like roadside assistance or rental reimbursement are not included.

How Much Does USAA Non-Owner SR-22 Insurance Cost?

As a high-risk policy, expect to pay more compared to standard non-owner coverage. USAA charges a $15 to $25 SR-22 filing fee plus premiums, which vary by factors like:

  • Your state of residence
  • Amount of liability coverage
  • Whether add-ons like medical payments are included
  • Your driving record and credit score
  • Your age, gender and marital status

According to insurance data sites, average annual costs for non-owner SR-22 insurance fall around $400 to $600 depending on these variables. USAA may cost more or less. Contact USAA for a personalized quote.

How Do I Get USAA Non-Owner SR-22 Insurance?

Follow these steps if you need a USAA non-owner SR-22 insurance policy:

  1. Confirm SR-22 Requirement: Verify with your DMV that an SR-22 filing is required to reinstate your license after a violation.

  2. Check Eligibility: Ensure you meet USAA qualifications for membership and non-owner coverage.

  3. Contact USAA: Call 1-800-531-8722 to connect with an agent and get a quote.

  4. Apply & Pay: Complete the full application and pay your down payment to activate coverage.

  5. USAA Files Form: USAA will file your SR-22 paperwork with the DMV to show compliance.

  6. Maintain Insurance: Keep your policy active to prevent license suspension. Insurance must remain until the SR-22 term ends.

Now you can legally drive again with liability protection secured!

When Can the SR-22 Requirement Be Lifted?

Most states require maintaining SR-22 insurance for 1 to 3 years before the SR-22 can be lifted. Check with your DMV on when you’ll be eligible to remove the SR-22 after continuous compliance.

Violating terms of your policy such as lapsed payments during the SR-22 term may reset the clock, so maintain coverage diligently.

Alternatives to USAA for Non-Owner SR-22 Insurance

As USAA insurance is limited to military members, you may need to consider alternatives if not eligible. Top insurers that offer non-owner SR-22 policies include:

  • Geico: 1-800-861-8380
  • Progressive: 1-800-776-4737
  • Allstate: 1-800-255-7828
  • State Farm: 1-855-732-5433
  • The General: 1-800-280-0767

Compare quotes from multiple carriers since rates can vary significantly. Aside from USAA, these national insurers provide affordable non-owner SR-22 options.

Can I Get an SR-22 Without Insurance?

No – simply having an SR-22 form filed does not provide coverage. You must purchase a supporting liability insurance policy to comply. The SR-22 is just proof to the DMV that you carry the required insurance.

Never drive without active insurance just because you have an SR-22 on file. This will lead to license suspension and fines if caught uninsured. Maintain coverage throughout the entire SR-22 term.

Can I Get Insurance Before Reinstating My License?

Yes, you can secure non-owner SR-22 insurance first before having your license reinstated. This shows the DMV you meet requirements and speeds up reinstatement.

Some key steps in the process:

  • Verify SR-22 requirement with the DMV
  • Obtain quotes and apply for a non-owner SR-22 policy
  • Insurer files your SR-22 form with the state
  • Submit license reinstatement application with DMV
  • DMV reinstates your driver’s license

Getting insurance ahead of time proves you are committed to financial responsibility and following the rules. This proactive approach helps fast-track approval of your license reinstatement.

Am I Eligible for USAA Auto Insurance After an SR-22?

Once your SR-22 requirement has been lifted, you may again qualify for regular USAA auto insurance. However, expect to pay higher premiums for about 3 years after your SR-22 term due to your high-risk status. Maintaining a clean driving record helps lower rates over time.

After your SR-22 coverage period, consider USAA for:

  • Standard auto policies
  • Collision and comprehensive coverage
  • Rideshare insurance
  • Accident forgiveness
  • Safe driver discounts

As you re-establish your driving record, USAA auto insurance provides flexible options with top-notch service.

Final Takeaways on USAA Non-Owner SR-22 Insurance

If your license is suspended and the DMV requires an SR-22 filing, non-owner liability insurance from USAA offers a path to reinstatement. As an elite provider for military families, USAA offers efficient handling of SR-22 paperwork plus affordable protection.

Compare USAA non-owner SR-22 insurance quotes to alternatives and explore add-on coverages for your situation. Their expertise serving high-risk drivers provides guidance you can rely on until the SR-22 requirement is lifted. If eligible based on military affiliation, USAA offers a great solution for SR-22 compliance.

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Does USAA accept SR-22?

USAA charges a $15 to $25 filing fee for an SR-22, plus an increased premium. SR-22 insurance from USAA costs an average of $930 per year, which is 91% more than a standard policy, since drivers who need an SR-22 are considered high risk.

Does USAA have non owner car insurance?

Yes, USAA does offer non-owner SR-22 insurance. Non-owner SR-22 insurance from USAA is a type of insurance for drivers who are required to keep an SR-22 form filed with their state’s DMV but do not currently own a car.

Will USAA insure you with a DUI?

The cheapest car insurance companies in California for drivers with a DUI cater to high-risk drivers and offer reasonable rates. Safeco, Progressive, and USAA offer the most competitive liability-only rates for drivers with a DUI conviction, starting at $217 per month.

Can I insure a car not in my name with USAA?

You can purchase non-owners car insurance from most major insurers including Geico, State Farm, and USAA. However, it’s worth noting that not all insurers allow customers to purchase non-owners policies online. If you need one, you’ll likely need to contact an agent via phone or visit a local insurance office.

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