Understanding Non-Owner SR-22 Insurance in South Carolina:
- Purpose: Non-owner SR-22 insurance is designed for individuals who need to fulfill SR-22 requirements but don’t own a vehicle. It offers liability coverage for bodily injury and property damage when driving non-owned vehicles.
- Coverage Limitations: This policy typically covers only the named insured and doesn’t extend to vehicles owned by household members. It doesn’t include comprehensive or collision coverage for the vehicle being driven.
South Carolina’s Minimum Liability Coverage Requirements:
In South Carolina, drivers are required to carry minimum liability insurance limits of:
- Bodily Injury: $25,000 per person and $50,000 per accident.
- Property Damage: $25,000 per accident.
 25, Female, Single, Spartanburg, South Carolina) |
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| Year/Make Model: No Vehicle |
| Discounts: Paperless, Automatic Card Payments |
| Selected Coverages With Dairyland |
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| Bodily Injury Liability: $25,000 per person/$50,000 per accident |
| Property Damage Liability: $25,000 Uninsured Motorist Bodily Injury: $25,000 per person/$50,000 per accident Uninsured Motorist Property Damage: $25,000 Policy also has an SR22 |
| Other Rejected Coverages: Underinsured Motorist, Medical Payments |
Customer was needing a non-owners auto policy since she does not currently own a vehicle but is required by the state of South Carolina to have liability insurance with an SR22. An SR22 form allows the state to verify that you have the minimum state requirements for liability insurance. She also went with a 12 month policy term to lock her rate in for a full year.
Please note that this is only meant as an example and prices may vary depending on several factors.
Total 12 Month Premium: $1,305.52
Monthly Installments: $110.96
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