If you’ve been told you need an SR-22 but you don’t own a vehicle, you’re probably wondering:
How much is Non-Owner SR-22 insurance, and what affects the price?
Here’s a simple guide to help you understand the costs in South Carolina, North Carolina, and Georgia.
Average Cost of Non-Owner SR-22 Insurance
The typical Non-Owner SR-22 policy ranges from:
- $25 – $55/month in South Carolina
- $15 – $40/month in North Carolina
- $20 – $50/month in Georgia
Your exact rate depends on:
✔ Your driving history
DUI, uninsured accidents, or major violations increase risk.
✔ Your age
Younger drivers usually pay more.
✔ Your state’s requirements
Each state has different minimum liability limits.
✔ Insurance carrier
Every company prices SR-22 filings differently.
Why Non-Owner SR-22 Is Often Cheaper
Since you don’t own a vehicle, the policy only covers liability.
There is:
- No comprehensive coverage
- No collision coverage
- No vehicle tied to the policy
This keeps your premium much lower than a standard SR-22 auto policy.
How Upstate’s Choice Keeps Prices Low
As an independent insurance agency, we:
- Shop all major SR-22 carriers
- Find discounts you qualify for
- Make sure you only pay for the coverage you actually need
- File the SR-22 with the state same-day
Many customers save 30–50% by letting us quote multiple companies — instead of just one.
Ready for a fast, affordable Non-Owner SR-22 quote?
We help drivers across SC, NC, and GA reinstate their licenses quickly.
👉 Get a quote today: Upstate’s Choice Insurance – Your SR-22 Specialists