If the state has informed you that you must carry an SR-22 filing but you don’t currently own a car, you may be unsure how to move forward. The good news is that Non-Owner SR-22 Insurance is specifically designed for situations like this.
At Upstate’s Choice Insurance, we assist drivers throughout South Carolina, North Carolina, and Georgia in obtaining affordable non-owner SR-22 coverage so they can legally reinstate their driving privileges and stay compliant with state laws.
What Exactly Is Non-Owner SR-22 Insurance?
A Non-Owner SR-22 policy is a liability-only insurance plan that includes an SR-22 filing with the state to confirm you meet minimum financial responsibility requirements — even though you do not own a vehicle.
This type of policy is commonly used by drivers who:
- Must file an SR-22 after a DUI, suspension, or serious traffic violation
- Drive rental or borrowed vehicles but do not own a car
- Are required to maintain continuous insurance coverage
⚠️ Keep in mind: Non-owner SR-22 coverage does not insure a vehicle you own or one that is regularly available to you, such as a household vehicle.
Why Would Someone Need a Non-Owner SR-22?
States including South Carolina, North Carolina, and Georgia require SR-22 filings for certain violations. If you don’t have a vehicle but still need to meet these requirements, a non-owner policy can help you:
- Satisfy state SR-22 requirements without buying a car
- Reinstate your suspended driver’s license
- Avoid additional penalties by maintaining continuous coverage
- Lower your costs compared to a standard auto policy
For many drivers, this is the most practical and affordable way to move forward.
What Coverage Does a Non-Owner SR-22 Provide?
Because it is liability-based, a non-owner SR-22 policy is designed to protect others if you are at fault in an accident. Coverage typically includes:
- Bodily Injury Liability – Pays for injuries to other parties
- Property Damage Liability – Covers damage to someone else’s vehicle or property
- Uninsured Motorist Coverage (where required) – Protects you if the at-fault driver has no insurance
It does not provide comprehensive or collision coverage since no vehicle is listed on the policy.
Why Work With Upstate’s Choice Insurance?
Navigating SR-22 requirements can feel overwhelming, especially if you don’t own a car. Our team works with drivers who need non-owner SR-22 filings every day.
Here’s why clients choose us:
✔ Independent agency — we compare multiple insurance companies
✔ Experienced in SR-22 filings and state requirements
✔ Electronic SR-22 filing directly with the DMV
✔ Licensed in SC, NC, and GA
We focus on helping you get back on the road quickly and affordably.
Getting Started Is Simple
- Call us at 864-845-7500 or request a quote online.
- We’ll review multiple non-owner SR-22 options.
- Once you select your policy, we immediately file the SR-22 with the state.
If you need help meeting SR-22 requirements but don’t own a vehicle, we’re here to make the process straightforward and stress-free.