If you live in La Crosse and had your driver’s license suspended or revoked, you may have been told you need an SR22. But what if you don’t own a car?
That’s where non-owner SR22 insurance comes in—and Preferred Insurance Agency is here to break it down.
What Is Non-Owner SR22 Insurance?
Non-owner SR22 insurance is a liability-only policy for drivers who don’t own a vehicle but still need to file an SR22 certificate with the Wisconsin DMV. It proves you’re meeting the state’s minimum auto insurance requirements.
It’s ideal if:
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You borrow or rent cars occasionally
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You had a DUI, reckless driving charge, or too many violations
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You want to reinstate your license without owning a car
How It Works in Wisconsin
In Wisconsin, SR22 requirements usually last 3 years, depending on your offense. During that time, the insurance company files the SR22 with the state to confirm you’re insured.
A non-owner policy covers:
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Bodily injury liability
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Property damage liability
It does not cover:
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A car you own
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A vehicle regularly used by you (like a spouse’s car)
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Comprehensive or collision damage
Why Choose Preferred Insurance Agency?
At Preferred Insurance Agency, we’ve helped La Crosse drivers get back on the road for over 20 years. We know how confusing SR22 requirements can be, and we make it simple:
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Fast same-day SR22 filings
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Affordable rates from trusted insurers
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Local agents who know Wisconsin law
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Personalized guidance every step of the way
Get Started Today
Whether your license was suspended due to a DUI or a lapse in insurance, we’ll help you find the right non-owner SR22 policy so you can move forward.
Call Preferred Insurance Agency today at (608) 881-6566 or stop by our La Crosse office for a free quote.
We’ll help you navigate the system and get you back on the road—no car required.
Filed Under: Auto Insurance | Tagged With: #Dairyland, #DUI, #IDCARD, #lacrosse, #sr22, #suspendedlicense, progressive, Wisconsin