The State of Missouri requires DWI offenders to file an SR22 form in order to get their driver's license reinstated. If you do not own a vehicle, and you do not have regular access to a vehicle that is owned by someone in your household, then you will need to purchase non-owner SR22 insurance.
The non-owner SR22 policy was designed for the driver who does not own his or her own vehicle, only occasionally drives someone else's vehicle, and wants to get his or her driver's license reinstated.
Under a non-owner SR22 insurance policy, if you are ever found at fault in an accident, you have liability coverage for other drivers and vehicles involved, but not for the vehicle that you are driving. You will still want to make sure that the vehicle you drive is insured. Your non-owner SR22 insurance would be secondary to the vehicle's primary insurance.
The State of Missouri requires those with more than one DWI offense to install an ignition interlock device (IID) in any vehicle that they drive. It is unlikely that you will install an IID in someone else's vehicle (someone you don't live with) to only drive it occasionally, so an IID requirement means that you will not be able to file a non-owner SR22 form.
Missouri requires a DWI offender to carry SR22 insurance for two years from the date he or she is eligible to reinstate his or her driver's license.
Not all insurance companies will provide non-owner SR22 filings. If you are shopping for non-owner SR22 insurance, you really have two choices: you can contact multiple insurance companies, ask if they provide non-owner SR22 coverage, and compare their rates; or you can go through an insurance broker. We can save you a lot of time and effort. You just tell us what you need and we provide you with the most competitive quotes possible. To get started, just enter your Missouri zip code here:
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