Non Owners Insurance South Carolina – Complete 2026 Guide
Stay legal and protected with liability coverage when you don’t own a car. Get same-day proof of insurance, SR-22 filings if required, and competitive rates from multiple carriers across South Carolina.
Why Choose A Plus Insurance for Non Owners Insurance in South Carolina
Same-Day Proof of Insurance
We understand South Carolina DMV deadlines. Get your insurance card emailed immediately after purchase – perfect for license reinstatement, court dates, or immediate coverage needs.
Multi-Carrier Comparison
We compare multiple insurance companies like Progressive, Dairyland, Gainsco, Bristol West, The General, and Assurance America to find you the best auto insurance rates in South Carolina.
SR-22 Expertise
Specialists in high-risk filings including DUI, violations, and license reinstatement. We handle the SR-22 paperwork directly with the South Carolina DMV. Learn more in our comprehensive SR-22 guide.
South Carolina Non Owners Insurance Requirements 2026
Understanding South Carolina’s insurance regulations is crucial for compliance. The state requires minimum liability coverage for all drivers, whether you own a vehicle or not.
| Coverage Type | South Carolina Minimum 2026 | Recommended Coverage | Monthly Premium Range* |
|---|---|---|---|
| Bodily Injury (Per Person) | $25,000 | $100,000 | $25 – $45 |
| Bodily Injury (Per Accident) | $50,000 | $300,000 | $30 – $55 |
| Property Damage | $25,000 | $100,000 | $20 – $40 |
| Uninsured Motorist | Not Required | Strongly Recommended | $15 – $30 |
| SR-22 Filing Fee | $25 – $50 | One-time State Fee | Included in Policy |
*Premiums vary based on driving history, location, and other factors. Get your personalized quote for accurate pricing.
Who Needs Non Owners Insurance in SC?
- Drivers with suspended licenses needing reinstatement
- Individuals who frequently rent or borrow vehicles
- Drivers with DUI or multiple violations requiring SR-22
- People between vehicles or selling their only car
- Those maintaining continuous coverage history
South Carolina Non Owners Insurance Rates 2026 Comparison
Visual comparison of average monthly premiums across different driver profiles in South Carolina:
Frequently Asked Questions – South Carolina Non Owners Insurance 2026
What is non owners insurance in South Carolina?
Non owners insurance in South Carolina provides liability coverage for drivers who don’t own a vehicle but still need to meet state financial responsibility requirements. It covers injuries and property damage you cause while driving borrowed, rented, or employer vehicles.
How much does non owners insurance cost in South Carolina for 2026?
Average premiums range from $45-$180 monthly depending on driving history, age, and coverage limits. Drivers needing SR-22 filings typically pay $110-$220 monthly. Get your exact rate with our free quote tool.
Can I get non owners insurance with a DUI in South Carolina?
Yes. We specialize in high-risk coverage including DUI offenses. We’ll help you secure the required SR-22 filing and maintain compliance with South Carolina DMV requirements for license reinstatement.
How quickly can I get proof of insurance?
We provide same-day proof of insurance. Your insurance card is emailed immediately after purchase, and we can directly submit SR-22 filings to the South Carolina DMV electronically when required.
Does non owners insurance cover rental cars?
Yes, it provides liability coverage for rental cars. However, you’ll still need the rental company’s collision damage waiver for physical damage to the rental vehicle. For comprehensive protection, consider our business insurance options if renting for work purposes.
What if I buy a car later?
We seamlessly convert your non owners policy to a standard auto policy. This maintains continuous coverage history, which helps keep your insurance rates lower over time.
Additional Coverage Options for South Carolina Drivers
While non owners insurance meets South Carolina’s minimum requirements, consider these additional protections:
Uninsured Motorist
Protects you if hit by an uninsured driver – recommended in South Carolina where 7.5% of drivers lack insurance.
Medical Payments
Covers medical expenses for you and passengers regardless of fault – especially valuable without health insurance.
Roadside Assistance
Add towing, lockout service, and fuel delivery – perfect for drivers using various vehicles.
Rental Reimbursement
While non owners policies don’t cover rental car damage, this add-on helps with alternative transportation costs.
Bundle with Other Insurance Products
While you can’t bundle non owners policies, consider our homeowners insurance, motorcycle insurance, or recreational vehicle insurance for other protection needs.
Last Updated on by Brian Muse