There are various reasons you may need to file an SR-22 when you no longer own a vehicle. In this situation, you will need to look for an insurance company that offers non-owner car insurance and is able to file an SR-22. Non-owner car insurance is an option available to drivers who rent or borrow a vehicle regularly but don’t own a car. This is a way for them to secure coverage for bodily injury, property damage and medical payments to protect their finances without the added expense of physical damage coverage.