SR-22 forms are available for vehicle owners and non-owners. A non-owner insurance policy offers coverage for someone who drives but doesn’t own a car. You may fall into this cateogory if you occasionally rent a car or borrow one from a friend. Non-owners usually receive lower rates for coverage because they only need insurance for property and people. They don’t need to insure the cars they drive. Owners do, which means their policies generally cost more.