Non-Owner Car Insurance
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Non-Owner Car Insurance — South Carolina

A South Carolina non-owner policy carries the state's 25/50/25 liability minimum without owning a vehicle, and can file the SR-22 the state requires for DUI and uninsured suspensions. You get bodily injury and property damage liability that follows you when you drive borrowed, rented, or shared cars.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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State-Mandated Minimum Coverage · South Carolina

South Carolina Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$100

Meeting the state minimum keeps you legal. See whether it's enough — get your South Carolina quote.

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Get non-owner SR-22 coverage without owning a vehicle

Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.

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✓ Non-Owner SR-22✓ No Obligation✓ Licensed Carriers✓ Reinstatement Ready

Coverage Types

Non-Owner Liability Insurance

Bodily injury and property damage liability that follows you when you drive cars you don't own. Covers injuries and damage you cause to others, not damage to the car you're driving.

Non-Owner SR-22 Insurance

A non-owner policy that files the SR-22 proof-of-insurance certificate South Carolina requires after DUI, uninsured suspensions, and certain other violations. Allows you to satisfy the filing without owning a car.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient limits. Pays for your injuries and, in some cases, property damage when the at-fault driver cannot.

Non-Standard Auto Insurance

Coverage for drivers with violations, suspensions, or DUI convictions who cannot qualify for standard policies. Non-standard carriers specialize in high-risk profiles and SR-22 filing.

Find Your City in South Carolina

Charleston, South Carolina cityscape and street view

Charleston

urban
Columbia, South Carolina cityscape and street view

Columbia

urban
North Charleston, South Carolina cityscape and street view

North Charleston

suburban
Wooden pier extending over water at sunset with marsh grasses in foreground and orange sky

Mount Pleasant

suburban
Park walking path with bench and small dog among tall trees and fallen leaves

Rock Hill

suburban
Greenville, South Carolina cityscape and street view

Greenville

urban
Suburban street with houses and orange tile roofs during golden hour lighting

Summerville

suburban
Evening street scene with glowing street lamps, parked cars, and landscaped flower beds in downtown area

Spartanburg

urban

Frequently Asked Questions

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