National General Non-Owner SR-22: Rates & Filing by State

National General stopped issuing new non-owner SR-22 policies in most states following its January 2021 acquisition by Allstate. Existing policyholders were migrated to renewal under the Allstate or National General brand depending on state, but new applicants with SR-22 requirements were redirected to other carriers in the Allstate network or declined outright. The consolidation eliminated one of the few national carriers actively writing non-owner SR-22 business at scale. If you held a National General non-owner SR-22 policy before 2021, your renewal may have transferred to Allstate's non-standard division or been non-renewed at your policy anniversary. Check your current declarations page — the SR-22 filing must remain active and continuous through your entire court-ordered or DMV-mandated period, typically 3 years for DUI or serious violations. A lapse of even one day restarts the clock in most states. Drivers searching for National General non-owner SR-22 now are usually looking for affordable non-owner coverage with SR-22 filing capability. That market has contracted significantly since 2021. Fewer than a dozen carriers write non-owner SR-22 policies nationally, and state availability varies widely based on your violation type and how recently it occurred.

Non-owner SR-22 policies typically cost $30–$80/mo for liability-only coverage, but your rate depends on your violation, state filing requirements, and how many carriers compete in your market. A DUI in California with a 3-year SR-22 requirement might run $50–$90/mo through carriers like The General, Direct Auto, or Bristol West. The same violation in Florida, where SR-22 duration is also 3 years but minimum liability limits are higher, often costs $60–$110/mo. National General's exit removed a mid-tier pricing option. Before 2021, National General non-owner SR-22 rates sat between budget carriers like The General ($35–$65/mo) and higher-tier non-standard writers like Progressive ($60–$100/mo). That gap still exists, but fewer carriers fill it. In states like Ohio and Texas, you may find only 3–5 non-owner SR-22 options, all clustering at the lower or higher end of the rate spectrum with little middle ground. Your rate also reflects your violation severity and filing duration. A single at-fault accident with a 1-year SR-22 requirement typically costs 40–60% less than a DUI with a 3-year mandate. If your violation occurred more than 18 months ago and you've maintained continuous coverage since, expect quotes 15–25% lower than a driver with a recent suspension or lapse.

Non-owner SR-22 filing works identically regardless of carrier. Your insurer submits the SR-22 certificate electronically to your state DMV within 24–72 hours of policy binding, and the DMV lifts your suspension or reinstates your license once the filing is received and any reinstatement fees are paid. Filing fees range from $15–$50 depending on carrier, separate from your premium. Some states like California and Texas charge no state SR-22 processing fee; others like Illinois and Florida charge $15–$25 at reinstatement. Your SR-22 filing period starts the day your DMV receives the certificate, not the day you purchase the policy. If your suspension order requires 3 years of SR-22 and you let coverage lapse 18 months in, the clock resets to zero in most states. A single missed payment that cancels your policy triggers an SR-26 cancellation notice to the DMV, typically resulting in immediate re-suspension. You'll then need to refile SR-22, pay reinstatement fees again, and restart the full filing period. Non-owner SR-22 policies satisfy state financial responsibility requirements in all 50 states, but coverage limits must meet or exceed your state's minimum liability requirements. Most states require 25/50/25 or 25/50/20 liability limits for SR-22 filing. If your court order or DMV notice specifies higher limits — common after serious injury accidents — your non-owner policy must match those limits or the SR-22 filing will be rejected.

The General, Direct Auto, Bristol West, Dairyland, and Progressive's non-standard division write the majority of non-owner SR-22 policies nationwide. State availability varies: The General writes in 46 states, Direct Auto in 12 primarily southeastern states, Bristol West in 38 states, and Dairyland in 44 states. Progressive offers non-owner SR-22 in all 50 states but frequently declines applicants with DUIs less than 3 years old or multiple violations in the past 5 years. Regional carriers fill gaps in specific states. In California, Freeway Insurance and Fiesta Auto write non-owner SR-22 for drivers declined elsewhere. In Texas, Acceptance Insurance and Safeway write non-owner policies for DUI and suspended license scenarios. In Ohio, Gainsco and Alliance United write non-owner SR-22 business other carriers avoid. These regional writers often charge 20–35% more than national competitors but accept higher-risk profiles. Carrier willingness to write non-owner SR-22 shifts based on your violation type and time elapsed. A DUI from 4 years ago with no lapses opens 8–12 carrier options in most states. A DUI from 8 months ago with a recent lapse narrows your options to 2–4 carriers, typically the highest-cost writers in your market. If you've been quoted $120/mo or higher for non-owner SR-22, you're likely in the last-resort tier where carrier choice is limited.

Start by identifying which carriers write non-owner SR-22 in your state and accept your violation profile. A direct call to carriers like The General or Dairyland gets you a bindable quote within 15–30 minutes if you have your license number, violation details, and SR-22 order or suspension notice. Many non-standard carriers do not offer online quoting for SR-22 — you'll need to call or visit a local agent. If your first 2–3 quotes exceed $100/mo and you have a single DUI or violation more than 2 years old, you're likely being quoted in a high-risk tier that doesn't reflect your actual current risk. Request a quote review after 6 months of continuous coverage — many non-owner SR-22 carriers reduce rates 10–20% at first renewal if you've maintained coverage without lapses or new violations. Some carriers also offer small discounts for autopay or paid-in-full annual policies, reducing monthly cost by $3–$8/mo. Non-owner SR-22 coverage cannot be canceled by you until your SR-22 filing period ends without triggering a lapse and DMV re-suspension. If you purchase a vehicle during your filing period, you must convert to a standard auto policy with SR-22 endorsement and cancel the non-owner policy on the same day to avoid a gap. The new policy must include SR-22 filing before the non-owner policy cancels, or your state will receive an SR-26 cancellation notice and suspend your license again, often within 10–15 days.

California requires SR-22 for 3 years after most DUI convictions and for drivers caught driving uninsured. Non-owner policies must carry at least 15/30/5 liability limits, though 25/50/25 is standard. The DMV charges no SR-22 processing fee, but reinstatement fees range from $125–$275 depending on violation type. Expect non-owner SR-22 rates of $45–$85/mo with carriers like The General, Bristol West, or Freeway Insurance. Florida mandates SR-22 (called FR-44 in Florida) for DUI convictions, requiring higher liability limits of 100/300/50 — significantly more than the standard 10/20/10 Florida minimum. This drives non-owner FR-44 rates to $75–$140/mo, among the highest in the country. Your FR-44 filing period is 3 years from reinstatement, and any lapse restarts the full 3-year clock. Carriers writing non-owner FR-44 in Florida include Direct Auto, Bristol West, and Dairyland. Texas requires SR-22 for 2 years after most suspensions and violations, one of the shortest mandated periods in the U.S. Non-owner SR-22 policies must meet 30/60/25 liability minimums. Rates typically run $35–$70/mo, and the SR-22 filing period does not reset if you lapse after the first year — though your license will be suspended immediately until you refile. Ohio requires 3 years of SR-22 for DUI and certain license suspensions, with non-owner rates of $40–$75/mo and no state SR-22 processing fee.