Do You Need SR-22 Insurance Without a Car in Florida?

Introduction

If you’ve had your license suspended in Florida due to a DUI, reckless driving, or driving without insurance, you may be required to file an SR-22 certificate—even if you don’t own a vehicle. This often surprises people who assume SR-22 filings are only for car owners. The truth is, you can and may need to get SR-22 insurance without owning a car.

In this guide, we’ll explain:

• What SR-22 insurance is
• When it’s required without a vehicle
• How non-owner SR-22 policies work in Florida
• What it costs and who it’s for
• How White Chip Insurance helps you get back on the road quickly and affordably

What Is SR-22 Insurance in Florida?

SR-22 insurance is a certificate of financial responsibility filed with the Florida Department of Highway Safety and Motor Vehicles (FLHSMV) by your insurer. It proves that you carry the state’s minimum required liability coverage, which is needed to reinstate or maintain your driving privileges after certain violations.

Common reasons Florida drivers are required to file SR-22:

• DUI or DWI convictions
• Driving without insurance
• At-fault accidents without coverage
• License suspension or revocation
• Repeated traffic violations or reckless driving

Can You Get SR-22 Insurance Without a Car in Florida?

Yes—if you’re required to file an SR-22 but don’t own a vehicle, you can and should purchase non-owner SR-22 insurance. This type of policy satisfies the state’s requirement while providing liability coverage when you drive a borrowed, shared, or rental vehicle.

White Chip Insurance specializes in helping drivers throughout Florida get non-owner SR-22 insurance quickly and affordably, even after serious violations.

Who Needs Non-Owner SR-22 Insurance?

You may need non-owner SR-22 insurance in Florida if:

• You don’t own a vehicle but still need to reinstate your license
• You occasionally borrow a friend or family member’s car
• You plan to rent cars or use car-sharing services
• You’re between vehicles but need to maintain continuous coverage
• Your employer provides a company car, but you need personal liability coverage

How Does Non-Owner SR-22 Insurance Work in Florida?

A non-owner SR-22 policy provides:

• Liability coverage only (no collision or comprehensive)
• Meets Florida’s minimum coverage limits: $10,000 bodily injury per person, $20,000 bodily injury per accident, $10,000 property damage
• The SR-22 form is filed electronically with the FLHSMV
• Enables license reinstatement

Because this policy isn’t tied to a specific vehicle, it follows you as a driver. It covers any vehicle you legally drive, as long as it’s not owned by you or someone in your household.

How Much Does Non-Owner SR-22 Insurance Cost in Florida?

Non-owner SR-22 policies are generally more affordable than standard SR-22 policies, because:

• You’re not insuring a vehicle directly
• There’s no risk of physical damage claims

Average Annual Cost:

• Standard Auto SR-22 Policy: $2,500–$4,000/year
• Non-Owner SR-22 Policy: $300–$800/year (plus filing fee)

Your cost will depend on:

• Your age and driving history
• The reason for the SR-22 filing (e.g., DUI vs. no insurance)
• Your location (e.g., Miami, Tampa, Jacksonville)

What Happens If You Don’t File SR-22 Without a Car?

If you're required to file an SR-22 and don’t—even if you don’t own a vehicle—your license will remain suspended, and:

• You may face additional fees or penalties
• Your 3-year SR-22 requirement period may reset
• You’ll be considered non-compliant by the state

Final Thoughts

Even if you don’t own a vehicle, you still need SR-22 insurance in Florida if it's required by the court or the DMV. A non-owner SR-22 policy is the best way to fulfill your legal obligations, reinstate your license, and maintain driving privileges.

At White Chip Insurance, we help make the process fast, affordable, and frustration-free. Whether you’re in between cars, using rentals, or just need to stay compliant, our agents are ready to help you file today.