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Can I drive off the lot with just an SR22 in California?

I'm trying to buy a used car. i have non-owners SR22 insurance. Can I drive off the lot with that? I will add full coverage when I get home.

Aug 8, 2025 Stockton, CA

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Ava Lynch
Director of Insurance Content

Ava joined The Zebra in 2016 as a licensed insurance agent and writer. She now serves as director of insurance content, leading coverage strategy and…

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  • 9+ years of Experience in the Insurance Industry

No, you need to have comprehensive and collision coverage to drive off the lot if you are financing the car. Comprehensive and collision coverage protects against physical damage to the car. Also, your SR-22 non-owners policy only covers you driving a car that you do not own or drive regularly. We can quote you with several companies at The Zebra or you can give us a call at 833-768-7789. Good luck and if you have any questions, don't hesitate to ask.

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