A: As someone who is required to file an SR22 form in order to get your license unsuspended, you will be required to do so regardless of whether you own a car or not. If you do not own a car, then instead of getting a normal SR22 insurance policy, you will instead be required to file Utah non owner SR22 car insurance. Non owner insurance is not only for SR22s, but is also often used for business people who regularly drive a company car, or others who don’t own a car and drive cars of people who don’t have insurance.

Your Utah non owner SR22 policy will be more pricey than a similar owner-operator policy, but you will have to file fewer claims so long as you’re driving cars which are already insured. In an accident, the car’s insurance kicks in first, and yours second. If you buy your own car, then you will have to drop your Utah non owner SR22 policy and exchange it for an owner-operator policy.