Can You Rent a Car with SR22 Insurance?

Can You Rent a Car with SR22 Insurance?

If you are required to file for SR22 insurance, chances are you have many questions about what that means, what your requirements are, and how this will affect your everyday life. For many people, car insurance is a matter of renting and borrowing a vehicle rather than owning one, which can make policies seem more complicated. Fortunately, there’s an SR22 policy for you and your situation. Here’s an overview for anyone asking, can you rent a car with SR22 insurance?

What is SR22 Insurance?

SR22 insurance, otherwise known as a certificate of financial responsibility, is a state or court-mandated document that proves a driver has auto insurance that meets the minimum liability requirements for their state. SR22 insurance is intended for high-risk drivers. You may have to file for it if any of the following conditions apply to you:

  • You have a DUI or DWI
  • You’ve been caught driving without auto insurance
  • You’re found to be at fault in a serious accident
  • You have multiple or serious traffic violations

Types of SR22 Insurance

The details and requirements of your SR22 insurance will vary based on where you live, why you received the requirement, and other details of your situation. However, there are three different types of SR22 insurance to help you find the policy that’s best for you. The first is owner insurance, for drivers who own their own car. Next is non-owner insurance, for drivers who don’t own their own car and instead rent or borrow a vehicle. Finally, for drivers who do a mix of both, there is owner/operator insurance that covers both owned and borrowed cars.

Renting a Vehicle

Life doesn’t stop just because of your SR22 requirements, which means there many questions that may come up while you have it—such as, can you rent a car with SR22 insurance? If you rent a car regularly for travel or daily life, you will have a non-owner policy. These are usually cheaper than other SR22 insurance policies, but they also usually only provide minimum coverage and don’t cover repairs to the vehicle you’re driving. As such, not all rental car companies will rent to SR22 holders. However, every company is different. If you’re looking to rent, contact the company ahead of time and ask if they rent to those with SR22 insurance. It’s also a good idea to read the fine print on both the rental car contract and your insurance policy.

There are many variables when it comes to SR22 coverage, which is why it’s important to have all the information about your policy and regulations. If you are looking for SR22 insurance in Denver, Serenity Group can help you learn everything you need to know and find the right insurance plan for you.