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Non-owner SR-22

You may still need one without a car

Texas DPS says drivers who must file an SR-22 still have to file and maintain it even if they do not own a vehicle, and that they may obtain a Texas non-owner SR-22 insurance policy.Source: dps.texas.gov, checked Oct 24, 2026

Virginia DMV calls this an Operator’s Policy. It is for people who must have a certificate of insurance but do not own a vehicle. It covers you as a licensed driver listed on the SR-22/FR-44 to operate vehicles, but it does not insure any vehicle.Source: dmv.virginia.gov, checked Oct 24, 2026

If you own a vehicle

Virginia DMV says an Owner’s Policy is for people who own vehicles, and every vehicle the customer owns must be listed on the SR-22/FR-44.Source: dmv.virginia.gov, checked Oct 24, 2026

Not legal advice. Not an insurer. We quote state agencies only and never estimate insurance prices.

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