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NON OWNERS Insurance
Non-owners insurance provides auto insurance for driver’s license reinstatement or to satisfy a court order. Non-owner insurance is secondary insurance on non-owned vehicles. It is for individuals who do not own a vehicle, but need to be insured when driving a non owned vehicle on an occasional basis.
Fast, Free Non-Owner
Insurance Quotes!
Immediate Non-Owners SR22 Filings!
Same Day Coverage & SR22 Certificates!
Great Low Non-Owner SR22 Insurance quotes!
Who needs an SR22?
If you have been arrested or convicted to one of the following
you may be required to carry an SR22:
Driving with under the influence
At fault in an accident while driving without insurance
Multiple traffic offenses specific to your state
Most any suspension related to a traffic violation
How Much Does SR22 Cost?
Why is SR22 so expensive?
SR22 insurance is so expensive because it’s mainly required for high-risk drivers who have recently been convicted of a major moving violation, like DUI or reckless driving. Drivers considered to be high-risk will inevitably pay higher premiums due to their increased likelihood of filing a claim.
What does an SR22 do?
An SR22 is a certificate of financial responsibility required for some drivers by their state or court order. An SR22 is not an actual “type” of insurance, but a form filed with your state. This form serves as proof your auto insurance policy meets the minimum liability coverage required by state law.
What is a non owners insurance?
Non-ownership car insurance provides coverage to motorists who borrow, rent, or otherwise drive a vehicle they don’t own. Like traditional car insurance, non-owner car insurance provides financial protection if you’re in an accident that results in bodily harm to a third party or property damage.
South Carolina SR22 Insurance Requirements
South Carolina Department of Motor Vehicles requires drivers who need to file SR22 insurance carry the following liability limits:
Bodily Injury Per Person/Maximum Per Accident/Property Damage
$25,000
$50,000
$25,000
When you purchase non-owner SR22 insurance the company will notify the state electronically that you now have valid auto insurance with the SR22 certificate. Keep in mind that any time the policy is cancelled either by you or the company that the state will be notified and your license will likely be suspended. It is very important to maintain the SR22 filing until your probation period is complete which can be referenced on your court paperwork.
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