Non Owners Insurance Guide

Non-Owners Insurance in South Carolina: Your Essential Guide

Discover affordable peace of mind with A Plus Insurance, your go-to brokerage for non owners insurance South Carolina. Call us now for a free quote and expert guidance.

South Carolina State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: 25/50/25

Non Owners Insurance in South Carolina: The Basics Explained

In South Carolina, non owners insurance is a unique insurance policy tailored for individuals who don’t own a vehicle but occasionally drive. This policy primarily offers liability coverage, protecting you from the financial repercussions of accidents you might cause while driving someone else’s car. It’s an essential coverage option for frequent renters, borrowers of vehicles, or those looking to maintain continuous insurance coverage. Unlike regular auto insurance, non owners insurance in South Carolina is typically more affordable as it excludes coverage for vehicle damage, focusing solely on liability protection. It’s a practical solution for ensuring legal compliance and financial protection on the road.


Estimated Non Owners Insurance Rates in South Carolina

Insurance CarrierEstimated Monthly RateCoverage Type
Progressive$45Liability Only
Dairyland$50Liability Only
National General$40Liability Only
The General$55Liability Only
Bristol West$60Liability Only

Note: These rates are estimates and may vary based on individual circumstances.


Key Points to Remember:

  • Non owners insurance is ideal for those in South Carolina who drive but don’t own a car.
  • Provides crucial liability coverage, safeguarding against potential financial liabilities.
  • An affordable alternative to regular auto insurance, focusing on liability coverage.
  • Important for maintaining continuous insurance coverage, which can be beneficial for future insurance rates.

Identifying Who Needs Non Owners Insurance in South Carolina

Non-owners insurance in South Carolina serves various individuals facing specific circumstances. If you frequently borrow or rent vehicles but don’t own one yourself, this coverage is vital. It’s particularly beneficial for individuals living in urban areas, where alternative transportation methods are common, ensuring protection while using these services. Moreover, those with a suspended license can find value in non-owners insurance, fulfilling state requirements without the commitment of owning a vehicle. Similarly, individuals requiring an SR-22 due to previous violations can utilize non-owners coverage to regain their driving privileges.

Who Needs Non Owners Insurance in South Carolina:

  • Frequent Vehicle Borrowers: Individuals often utilizing vehicles they don’t own.
  • Urban Dwellers: Residents in city areas reliant on alternative transport.
  • Suspended License Holders: People needing coverage during license suspension.
  • SR-22 Insurance Seekers: Individuals needing SR-22 due to past violations.

Exploring carriers like Gainsco, Assurance, and National General among others, these individuals can find tailored coverage meeting their unique needs and circumstances.

Non Owners Insurance Coverage Comparison

Insurance CompanyAnnual Rate ($)Coverage Details
Progressive$250 – $600Bodily injury, property damage
Dairyland$300 – $550Liability coverage
Travelers$270 – $600Comprehensive liability protection
Gainsco$200 – $500Basic liability coverage
Assurance$230 – $480Minimum coverage protection
National General$280 – $520Liability and property damage
Bristol West$250 – $550Standard liability coverage
Mendota$220 – $480Liability insurance
The General$240 – $490Basic liability protection
Suncoast$210 – $450State-required liability coverage

Note: Rates are estimates and subject to change based on various factors like driving history, coverage limits, and insurance carrier policies. These rates can vary significantly based on individual circumstances.

Exploring Coverage Options for Non Owners Insurance South Carolina

Non-owners insurance in South Carolina offers essential coverage options tailored to your needs. Typically, it includes liability coverage for bodily injury and property damage. This safeguards you in case of an at-fault accident while driving a vehicle you don’t own. Additionally, comprehensive coverage options are available, extending your protection beyond basic liability. Carriers like Progressive, Dairyland, and Travelers offer customizable non-owners policies, allowing you to select coverage limits and additional features suited to your driving habits and circumstances.

Coverage Options for Non Owners Insurance in South Carolina:

  • Liability Coverage: Covers bodily injury and property damage in at-fault accidents.
  • Comprehensive Coverage: Extends protection beyond basic liability, offering additional features.

Exploring carriers like Gainsco, Assurance, and National General among others provides a range of coverage choices, ensuring you find the right fit for your driving needs.

Non Owners Insurance Coverage Comparison

Insurance CompanyAnnual Rate ($)Coverage Details
Progressive$250 – $600Bodily injury, property damage
Dairyland$300 – $550Liability coverage
Travelers$270 – $600Comprehensive liability protection
Gainsco$200 – $500Basic liability coverage
Assurance$230 – $480Minimum coverage protection
National General$280 – $520Liability and property damage
Bristol West$250 – $550Standard liability coverage
Mendota$220 – $480Liability insurance
The General$240 – $490Basic liability protection
Suncoast$210 – $450State-required liability coverage

Note: Rates vary based on individual circumstances and carrier policies, providing a wide spectrum of coverage options tailored to your needs.

Your Guide to Obtaining Non Owners Insurance in South Carolina

Securing non owners insurance in South Carolina is a straightforward process, designed for those who frequently drive but don’t own a vehicle. This type of policy is a must-have if you often rent cars or borrow a friend’s vehicle. To start, it’s important to contact an insurance brokerage that understands your specific needs. They will help you compare quotes from various carriers, including Progressive, Dairyland, and National General.

Be sure to provide accurate information about your driving history, as this will influence your rates. Remember, non owners insurance covers liability, protecting you in case you’re responsible for an accident while driving a borrowed or rented car. It’s a cost-effective way to stay insured, especially if you don’t need full auto insurance coverage.


Estimated Non Owners Insurance Rates in South Carolina

Insurance CarrierEstimated Monthly RateCoverage Type
Progressive$43Liability Only
Dairyland$47Liability Only
National General$39Liability Only
The General$52Liability Only
Bristol West$50Liability Only

Note: These rates are estimates and can vary based on individual circumstances.


Key Points to Consider When Obtaining Non Owners Insurance:

  • Contact a knowledgeable insurance brokerage for the best advice.
  • Compare rates from different carriers to find the most suitable option.
  • Provide accurate driving history for precise rate estimation.
  • Understand that non owners insurance primarily covers liability.

As an auto insurance brokerage, we emphasize the importance of matching clients with the right non owners insurance policy in South Carolina, ensuring they receive coverage that aligns with their driving habits and needs.

Understanding Factors Influencing Non Owners Insurance South Carolina Rates

Several key factors influence non-owners insurance rates in South Carolina. Your driving history plays a significant role—previous accidents or violations can lead to higher premiums. The coverage limits you select also impact rates, with higher limits generally resulting in higher premiums. Additionally, insurance companies assess risk differently, hence rates may vary between carriers. Furthermore, factors such as age, location, and the frequency of vehicle use also contribute to determining your non-owners insurance rates.

Factors Affecting Non Owners Insurance Rates in South Carolina:

  • Driving History: Previous accidents or violations impact premiums.
  • Coverage Limits: Higher limits often lead to higher premiums.
  • Insurance Company Policies: Rates may vary between carriers due to varying risk assessments.
  • Additional Factors: Age, location, and usage frequency also influence rates.

Here’s a comparison of estimated annual rates among different carriers offering non-owners insurance in South Carolina:

Non Owners Insurance Rate Comparison

Insurance CompanyAnnual Rate ($)Coverage Details
Progressive$250 – $600Bodily injury, property damage
Dairyland$300 – $550Liability coverage
Travelers$270 – $600Comprehensive liability protection
Gainsco$200 – $500Basic liability coverage
Assurance$230 – $480Minimum coverage protection
National General$280 – $520Liability and property damage
Bristol West$250 – $550Standard liability coverage
Mendota$220 – $480Liability insurance
The General$240 – $490Basic liability protection
Suncoast$210 – $450State-required liability coverage

Non Owners Insurance Vs. Regular Auto Insurance in South Carolina: A Comparison

Non-owners insurance and regular auto insurance differ significantly in their coverage and target audience. Non-owners insurance provides liability coverage for individuals who don’t own a vehicle but occasionally drive. It fulfills state requirements and offers protection when driving rented or borrowed vehicles. On the contrary, regular auto insurance is for vehicle owners, offering comprehensive coverage for owned vehicles, including liability, collision, and comprehensive protection. Non-owners insurance tends to be more cost-effective for individuals who don’t own a car but need coverage when driving occasionally, whereas regular auto insurance offers broader protection for owned vehicles.

Comparison: Non Owners Insurance vs. Regular Auto Insurance

  • Non-Owners Insurance: Provides liability coverage for non-vehicle owners.
  • Regular Auto Insurance: Comprehensive coverage for owned vehicles, including liability, collision, and more.

Here’s an estimated annual rate comparison between non-owners insurance and regular auto insurance from various carriers in South Carolina:

Insurance Type Rate Comparison

Insurance CompanyNon-Owners Insurance Rate ($)Regular Auto Insurance Rate ($)
Progressive$250 – $600$800 – $1500
Dairyland$300 – $550$850 – $1600
Travelers$270 – $600$900 – $1700
Gainsco$200 – $500$750 – $1400
Assurance$230 – $480$780 – $1500
National General$280 – $520$820 – $1550
Bristol West$250 – $550$820 – $1600
Mendota$220 – $480$780 – $1450
The General$240 – $490$800 – $1480
Suncoast$210 – $450$750 – $1350

Note: Rates vary based on individual circumstances and specific policy details. Non-owners insurance rates are generally lower as they provide limited coverage for non-vehicle owners, while regular auto insurance offers comprehensive protection for owned vehicles, resulting in higher premiums.

Finding the Best Rates and Discounts for Non Owners Insurance in South Carolina

When searching for non owners insurance in South Carolina, it’s crucial to not only compare rates but also to be aware of potential discounts that can make your insurance more affordable. Start by getting quotes from trusted carriers like Progressive, Dairyland, and National General. Your final rate will be influenced by various factors, including your driving history and how often you anticipate driving. Also, certain discounts can significantly lower your premiums. As an experienced brokerage, we’re here to help you identify and qualify for these discounts, ensuring you get comprehensive yet cost-effective coverage.


Potential Discounts for Non Owners Insurance:

  1. Safe Driver Discount: For those with a clean driving record.
  2. Low Mileage Discount: Ideal if you drive infrequently.
  3. Defensive Driving Course Discount: Available if you’ve completed an approved course.
  4. Bundling Discounts: When you combine non owners insurance with other policies.
  5. Automatic Payment Discount: For setting up auto-pay for your premiums.
  6. Pay-in-Full Discount: If you pay your entire premium upfront.
  7. Student Discounts: For students who meet certain academic criteria.

Estimated Rate Comparisons for Non Owners Insurance in South Carolina

Insurance CarrierEstimated Monthly RateCoverage Type
Progressive$42Liability Only
Dairyland$46Liability Only
National General$38Liability Only
The General$51Liability Only
Bristol West$49Liability Only

Non Owners Insurance or Broad Form Car Insurance in South Carolina: What’s The Difference?

Non-owners insurance and broad form car insurance are distinct in South Carolina. Non-owners insurance provides liability coverage for individuals who don’t own a vehicle but occasionally drive. It offers protection when driving borrowed or rented vehicles. Conversely, broad form insurance provides coverage for specific drivers, typically offering broader protection for multiple vehicles they don’t own. However, it’s crucial to note that broad form insurance isn’t offered in South Carolina. Non-owners insurance remains the viable option for individuals needing coverage while driving vehicles they don’t own.

Comparison: Non Owners Insurance vs. Broad Form Car Insurance

  • Non-Owners Insurance: Offers liability coverage for non-vehicle owners in South Carolina.
  • Broad Form Car Insurance: Not available in South Carolina; typically offers broader coverage for specific drivers.

While non-owners insurance fills the gap for those without personal vehicles, broad form insurance, although not available in South Carolina, generally extends coverage for drivers on multiple vehicles they don’t own in other states.

Unfortunately, broad form car insurance isn’t an option for South Carolina residents. Therefore, non-owners insurance remains the primary alternative for individuals driving vehicles they don’t own in the state.

This table presents estimated annual rates for non-owners insurance across various carriers in South Carolina:

Non Owners Insurance Rate Comparison

Insurance CompanyAnnual Rate ($)
Progressive$250 – $600
Dairyland$300 – $550
Travelers$270 – $600
Gainsco$200 – $500
Assurance$230 – $480
National General$280 – $520
Bristol West$250 – $550
Mendota$220 – $480
The General$240 – $490
Suncoast$210 – $450

Debunking Common Myths About Non Owners Insurance in South Carolina

When it comes to non owners insurance in South Carolina, there are several myths that need clearing up. Firstly, many believe that this type of insurance is more costly than standard auto insurance, which isn’t necessarily true. Non owners insurance is often more affordable as it primarily covers liability. Another common misconception is that non owners insurance isn’t necessary if you don’t frequently drive. In fact, this insurance is crucial for occasional drivers who borrow or rent vehicles, ensuring legal compliance and financial protection in case of accidents.


Common Myths vs. Facts: Non Owners Insurance in South Carolina

  1. Myth: Non owners insurance is always more expensive than standard auto insurance. Fact: It’s often more affordable since it covers only liability.
  2. Myth: You don’t need non owners insurance if you rarely drive. Fact: It’s essential for occasional drivers to protect against liabilities.
  3. Myth: Non owners insurance provides comprehensive vehicle coverage. Fact: It typically covers only liability, not damage to the vehicle you’re driving.
  4. Myth: Only drivers with poor records need non owners insurance. Fact: It’s a practical option for any driver who doesn’t own a car, regardless of their driving history.

As an auto insurance brokerage, we focus on providing accurate and valuable information about non owners insurance in South Carolina, helping you make informed decisions about your coverage needs.

Sr22 Simplified Youtube Thumbnail
2024 non owners insurance South Carolina

Non-owners insurance with an SR-22 filing in South Carolina serves individuals who don’t own a vehicle but require a certificate of financial responsibility due to previous violations like driving without insurance or DUIs. An SR-22 endorsement is attached to non-owners insurance, confirming the individual’s financial responsibility to the state. This coverage helps reinstate driving privileges after a license suspension. Not all insurers provide non-owners insurance with an SR-22 in South Carolina, but carriers like Progressive, Dairyland, and National General typically offer this option. Rates for non-owners insurance with an SR-22 filing can vary based on the severity of the violation and the individual’s driving record.

Insurers Offering Non Owners Insurance with SR22 in South Carolina:

  • Progressive: Provides non-owners insurance with SR-22 filing.
  • Dairyland: Offers SR-22 endorsements on non-owners policies.
  • National General: Provides non-owners coverage with an SR-22 filing.

Here’s an estimated annual rate comparison for non-owners insurance with SR-22 among various carriers in South Carolina:

Non Owners Insurance with SR22 Rate Comparison

Insurance CompanyAnnual Rate ($)
Progressive$300 – $700
Dairyland$350 – $650
National General$320 – $680

Note: Rates for non-owners insurance with SR-22 filing can vary significantly based on individual circumstances and the severity of violations. These figures provide a general comparison among insurers offering this specialized coverage in South Carolina.

SR22 Insurance Process

01.

Consultation​

We gather detailed information, ensuring you have all the facts before making a decision.

02.

Quote

Receive your SR22 insurance quote, customized to your unique needs and credit profile

03.

Filing

We work closely with the insurance carrier to ensure that the sr22 is filed with the state

04.

Policy Management

Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.

Circumstances When Non Owners Insurance May Not Be Issued in South Carolina

While non-owners insurance is a viable option for many, certain circumstances in South Carolina might prevent its issuance. Firstly, if you have regular access to a vehicle or are listed on a vehicle’s insurance policy, qualifying for non-owners insurance might be challenging. Additionally, if you have a suspended or revoked license, insurers might hesitate to issue non-owners coverage due to the high-risk nature of the situation. Furthermore, individuals with multiple serious traffic violations or a history of DUI convictions might find it difficult to secure non-owners insurance. Moreover, some insurance carriers might not offer this specialized coverage in certain situations, limiting availability based on individual circumstances and their underwriting guidelines.

Situations Where Non Owners Insurance Might Not Be Available:

  • Regular Vehicle Access: If you have consistent access to a vehicle.
  • Suspended/Revoked License: Individuals with a suspended or revoked license may face challenges.
  • High-Risk Driving History: Multiple serious traffic violations or DUI convictions.
  • Limited Carrier Offerings: Some insurers may not provide non-owners coverage under certain circumstances.

It’s crucial to understand these potential barriers to acquiring non-owners insurance and explore alternative coverage options if you find yourself in these situations. Insurance carriers may have varied eligibility criteria based on their risk assessment models, impacting the availability of non-owners insurance in certain scenarios.

State Minimum Liability Requirements for Non Owners Insurance in South Carolina

When considering non owners insurance in South Carolina, it’s crucial to understand the state’s minimum liability requirements. This insurance is designed to meet the legal requirements for drivers who don’t own a vehicle but still need coverage. In South Carolina, non owners policies must cover at least $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $25,000 for property damage. These figures represent the minimum amounts you must be insured for, ensuring you’re legally covered in the event of an at-fault accident. Remember, while non owners insurance meets these minimums, it doesn’t cover damages to the vehicle you’re driving, making it a liability-only policy.


South Carolina’s Non Owners Insurance: Minimum Liability Breakdown

  1. Bodily Injury per Person: $25,000
  2. Bodily Injury per Accident: $50,000
  3. Property Damage: $25,000
  4. Uninsured Motorist Coverage: 25/50/25

Understanding these requirements is key to choosing the right non owners insurance policy in South Carolina. As your trusted insurance brokerage, we’re here to help ensure your policy not only meets these state minimums but also aligns with your specific insurance needs.

How South Carolina Cities Affect Non Owners Insurance Rates

In South Carolina, rates for non owners insurance can vary significantly based on your location. For instance, in bustling cities like Charleston and Columbia, you might find slightly higher rates due to denser traffic and higher risk factors. On the other hand, cities like Greenville, Mount Pleasant, and Rock Hill may offer more competitive rates. These variations are influenced by factors such as the local cost of living, accident rates, and even crime statistics. It’s important to remember that these are just estimates – your actual rate can vary based on your personal driving history and the specific policy details.


Estimated Non Owners Insurance Rates in Key South Carolina Cities

CityEstimated Monthly RateCoverage Type
Charleston$48Liability Only
Columbia$50Liability Only
Greenville$45Liability Only
Mount Pleasant$43Liability Only
Rock Hill$42Liability Only

Note: Rates are estimates and subject to individual circumstances.


Whether you’re in Charleston or Rock Hill, understanding these nuances can help you make an informed decision when selecting your non owners insurance policy. As your dedicated insurance brokerage, we are here to guide you through these regional rate differences and find a policy that suits your needs and budget in South Carolina.

  1. Charleston:
    • Historic City Center and Tourist Traffic: Charleston’s busy tourist activity and historic roads can lead to higher traffic congestion, potentially increasing accident risk.
    • Coastal Location: Being a coastal city, Charleston might have higher rates due to the increased risk of weather-related damage like flooding.
  2. Columbia:
    • State Capital and College Town: As the state capital and home to several colleges, Columbia experiences diverse traffic patterns, with young drivers and government vehicles.
    • Urban Development: Ongoing urban development can contribute to changing traffic patterns and construction zones, impacting the risk of accidents.
  3. Greenville:
    • Economic Growth and Development: Greenville’s growing economy and development can lead to increased traffic and, subsequently, a higher risk of accidents.
    • Road Infrastructure: The quality of road infrastructure and frequent changes in traffic patterns due to development can also affect insurance rates.
  4. Mount Pleasant:
    • Suburban Environment: Generally, suburban areas like Mount Pleasant may have lower traffic density, potentially leading to fewer accidents and lower rates.
    • Family-Focused Demographics: Predominantly family-oriented demographics could mean more cautious driving habits, influencing lower insurance costs.
  5. Rock Hill:
    • Proximity to Charlotte, NC: Proximity to a major city like Charlotte can bring varied traffic, affecting accident rates and insurance premiums.
    • Economic and Demographic Factors: Local economic conditions and demographics, including the median age of drivers, can influence insurance rates.

Each city’s unique combination of these factors creates a distinct risk profile that insurance companies consider when determining rates for non owners insurance in South Carolina. As an auto insurance brokerage, understanding and explaining these local nuances to clients can help them make more informed decisions about their insurance needs.

What Happens If I’m Caught Driving Without Insurance?

Driving without auto insurance can lead to severe consequences, such as hefty fines, license suspension, and even legal penalties. It may result in increased insurance premiums, vehicle impoundment, or difficulty obtaining coverage in the future.

Fines
License Suspension
Legal Penalties
Increased Premiums
Vehicle Impoundment
Coverage Difficulty

Frequently Asked Questions about Non Owners Insurance South Carolina Policies


What is non-owners insurance in South Carolina?

Non-owners insurance in South Carolina is a liability insurance coverage for individuals who don’t own a vehicle but require coverage when driving borrowed or rented vehicles.

Who needs non-owners insurance in South Carolina?

Individuals without personal vehicles who frequently rent or borrow cars in South Carolina may benefit from non-owners insurance to meet state insurance requirements.

How can non-owners insurance protect me in South Carolina?

Non-owners insurance provides liability coverage, protecting you financially if you cause injuries or property damage while driving a borrowed or rented vehicle in South Carolina.

Need personalized assistance?

Feel free to call us at 1.888.445.2793 for expert guidance on non-owners insurance in South Carolina.

How to Get a Free Quote for Non Owners Insurance in SC

01.

Contact Us​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.

02.

Details

Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have

03.

Quote

We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.

04.

Decision

Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

Car Icon

Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

House Icon

Homeowners, renters, and mobile home owners: make sure you have the protection you need.

Motorcycle Icon 2

Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

Here’s What Our Clients Say About Us​

Last Updated on by Amanda Moss

Spread the love
Scroll to Top