Non Owners Insurance in South Carolina — Same-Day Proof
Get liability-only coverage when you don't own a car… stay legal, file an SR-22 if required, and drive with confidence across South Carolina.
What it covers
Liability protection when you don’t own a car but need state-legal insurance. Covers injuries/property damage you cause while driving a borrowed or rented vehicle.
When it’s needed
Common for drivers reinstating a license, needing an SR-22 filing, or renting/borrowing cars regularly in South Carolina.
Start today
Provide license info, address, and prior insurance (if any). We bind and email ID cards the same day — DMV- or court-ready.
Need South Carolina non-owners insurance?
We'll compare carriers, file SR-22 if required, and email proof the same day.
South Carolina requirements for non-owner policies
Minimum liability
25/50/25 — $25k bodily injury per person, $50k per accident, $25k property damage. Higher limits recommended.
SR-22 filings
Required for certain reinstatements. We can attach and submit electronically. Learn more in our SR-22 guide.
Who qualifies
Licensed drivers without a car, not living with a household vehicle owner. Ask us to confirm eligibility in your quote.
Coverage options for South Carolina non-owners
- Liability-only — meets state requirements, protects others you injure.
- UM/UIM — covers you if the other driver has little/no insurance.
- Medical Payments — optional add-on for medical bills regardless of fault.
- SR-22 filing — if mandated for license reinstatement.
How do I get a non-owners quote in South Carolina?
Start our online form or call — we’ll compare carriers and email proof.
What info do I need?
License number, address, and prior insurance history. See our auto insurance guide.
Do I qualify if I live with someone who owns a car?
Usually no — household vehicles may disqualify you. We’ll review during your quote.
Can you email ID cards the same day?
Yes — often within minutes after payment. Perfect for DMV or court deadlines.
Will the price match my quote?
Yes if info is accurate; undisclosed violations can change rates.
How much does non-owner insurance cost in SC?
Often less than standard auto since no vehicle is covered. Compare carriers in our coverage comparison.
Are discounts available?
Yes — continuous coverage, good driver, and paid-in-full can apply. See our insurance providers overview.
Does credit impact rates in SC?
Yes — many carriers use insurance-based scores. We’ll compare across markets.
Monthly vs paid-in-full?
Paid-in-full often costs less overall. We show both in your quote.
Can usage-based programs apply?
Some carriers extend safe-driver programs like Progressive Snapshot® to non-owner. Others don’t — we’ll confirm in your quote.
Does non-owner insurance cover the car I drive?
No — it covers others if you cause damage/injury. The car’s insurance is primary.
Can I add UM/UIM?
Yes — strongly recommended. Protects you if hit by uninsured drivers in SC.
Medical Payments available?
Yes — small add-on to cover your immediate medical bills regardless of fault.
Can I use non-owner for rental cars?
Yes — covers liability. Consider rental company’s damage waiver for the car itself.
Do I need full coverage?
No — non-owner is liability-only. If you need full coverage, you must insure a vehicle.
Can you file an SR-22 with non-owner?
Yes — we attach and file with the state. See our SR-22 guide for timelines.
How long do I need SR-22?
Usually 3 years in SC depending on violation. We’ll track dates and remind you.
Can you send proof directly to DMV or court?
Yes — with permission we email filings and ID cards where required.
What if I later buy a car?
We convert to a standard auto policy. Ask us before purchase.
Who do I call for a claim?
Call us first — we’ll triage and connect you with the carrier claims team.
Start your South Carolina non-owners quote
We'll compare carriers, file SR-22 if needed, and send proof today.
South Carolina non-owner insurance — why it matters
Non-owner car insurance is common in South Carolina for drivers reinstating licenses, needing SR-22 filings, or borrowing/renting cars regularly. It provides liability protection when you don’t own a car but still need proof of insurance. State minimums are 25/50/25, though many drivers step up to 100/300/100 for better protection. Adding UM/UIM and MedPay is smart, since many accidents in SC involve underinsured drivers. Non-owner policies do not cover the car you drive — that policy is primary — but they protect others if you cause injury or damage. If you’re reinstating after suspension, our SR-22 guide explains filings and timelines. Bundling isn’t possible with non-owner, but safe-driver programs like Progressive Snapshot® or Nationwide SmartRide® may lower rates. If you later purchase a car, your non-owner policy can convert into a standard auto policy. For property owners, learn more in our homeowners overview. Ready to start? Use our online form or call — we’ll compare carriers and email proof the same day.
Last Updated on by Shawn Christie