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Non Owners SR22 Insurance


Upstate’s Choice Insurance provides non owners SR22 insurance for driver’s license reinstatement or to satisfy a court order. Non owner SR22 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. Our agency is licensed in South Carolina, Georgia and North Carolina we shop the best quote for you and file same day to the DMV.

– Fast, Free Non Owner SR22 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?

The cost of SR22 depends on a lot of factors. If you are needing SR22 auto insurance it typically is more depending on the type of coverage you are putting on the vehicle and the type of car that is insured. If you qualify for non owners SR22 insurance then you would be rated based solely on the driving record of the person getting the insurance. This can vary from person to person based on driving experience, age, and driving records. Without quoting the insurance it is impossible to tell someone how much the insurance will 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 Bodily Injury Per Occurrence 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.