If you’ve been told you need an SR-22 but don’t own a car, you’re not alone. Many drivers in South Carolina find themselves in this exact situation. At Upstate’s Choice Insurance, we specialize in non-owner SR-22 insurance—a cost-effective way to meet state requirements, regain your license, and get back on the road legally.
What Is a Non-Owner SR-22?
A non-owner SR-22 is a certificate filed with the South Carolina DMV showing proof of liability insurance, even if you don’t own a vehicle. This type of policy provides liability coverage when you occasionally drive someone else’s car.
It’s designed for people who need to satisfy an SR-22 requirement but:
- Do not own a vehicle
- Want to reinstate their driver’s license
- Need proof of continuous insurance to stay compliant
Who Needs a Non-Owner SR-22 in South Carolina?
You may need a non-owner SR-22 if:
- You were convicted of DUI/DUAC
- You were caught driving without insurance
- You had your license suspended or revoked
- The court or DMV ordered you to carry proof of financial responsibility
If you don’t currently own a car, a non-owner policy is usually the most affordable way to meet these requirements.
What Does a Non-Owner SR-22 Cover?
A South Carolina non-owner SR-22 policy provides liability coverage only, which means it pays for injuries or property damage you cause while driving someone else’s vehicle.
It does not cover:
- The car you’re driving
- Your own injuries
- Regular access to a household member’s car (in that case, a standard SR-22 policy is required)
How Long Do I Need to Carry It?
In South Carolina, most drivers are required to carry SR-22 insurance for three years. During that time, you must keep the policy active. If your policy lapses or is canceled, your insurer is required to notify the DMV immediately—which could result in your license being suspended again.
Why Choose Upstate’s Choice Insurance?
At Upstate’s Choice Insurance in Simpsonville, SC, we make the process simple and stress-free:
✅ Same-day SR-22 filing with the South Carolina DMV
✅ Affordable non-owner policies designed to fit your budget
✅ Local, trusted agents who understand the SR-22 process
✅ Personalized service—we shop multiple carriers to find you the best rate
Whether you live in Greenville, Simpsonville, or anywhere in the Upstate, we’re here to help you move forward with confidence.
Steps to Get Started
- Call us or request a quote online – we’ll ask a few questions about your situation.
- Choose your coverage – South Carolina requires minimum liability limits of $25,000/$50,000/$25,000.
- We file your SR-22 electronically – usually the same day.
- Stay covered – maintain your non-owner policy until the DMV releases your requirement.
Get Back on the Road Today
Needing an SR-22 can feel overwhelming, but you don’t have to face it alone. At Upstate’s Choice Insurance, we’ve helped countless South Carolina drivers regain their license with affordable non-owner SR-22 insurance.
📍 Visit us at 309 SE Main St., Ste 206, Simpsonville, SC 29681
📞 Call us at 864-845-7500
🌐 Or get a quick quote online at www.upstateschoice.com
Let us help you get back on the road—legally, quickly, and affordably.