If you’ve been told you need an SR-22 filing but don’t own a car, you might be wondering — how can you have car insurance without a car? The answer is Non-Owner SR-22 Insurance.
This specialized coverage helps drivers meet state requirements, restore their license, and get back on the road legally — even if they don’t own a vehicle.
What Is Non-Owner SR-22 Insurance?
A Non-Owner SR-22 policy is a liability-only insurance policy designed for people who don’t own a car but still need to file an SR-22 with the state.
The SR-22 itself isn’t insurance — it’s a certificate your insurance company files with the DMV showing you carry the state’s minimum required coverage.
It’s commonly required after:
- A license suspension or revocation
- A DUI/DWI conviction
- Driving without insurance
- An at-fault accident with no coverage
- Other serious violations or repeat offenses
This policy lets you drive legally when borrowing or renting vehicles — while maintaining your SR-22 filing status.
Who Needs Non-Owner SR-22 Insurance?
You may need Non-Owner SR-22 Insurance if:
- You don’t own a vehicle but want to reinstate your license
- You occasionally drive rental cars or borrow a friend’s car
- You’re required by the court or DMV to maintain SR-22 coverage
- You recently sold your vehicle but still need to meet SR-22 requirements
This type of policy ensures there’s no lapse in your insurance coverage, which could restart your SR-22 filing period and delay reinstatement.
What It Covers (and Doesn’t Cover)
✅ Covers:
- Bodily injury and property damage you cause to others while driving a car you don’t own
- Legal defense costs related to a covered accident
❌ Does NOT cover:
- The vehicle you’re driving (damage to the car itself)
- Commercial or delivery driving
- Household vehicles you have regular access to
If you live with someone who owns a car you regularly drive, you may need to be listed on their policy instead of getting a non-owner plan.
How Much Does Non-Owner SR-22 Insurance Cost?
Non-Owner SR-22 Insurance is generally more affordable than standard car insurance because it doesn’t cover a specific vehicle.
Costs vary by:
- Your driving record
- State requirements
- Filing fees and time period (usually 3 years)
At Upstate’s Choice Insurance, we compare rates from top carriers in South Carolina, North Carolina, and Georgia to find you the lowest price possible for your SR-22 filing.
How to Get a Non-Owner SR-22 Policy
- Contact an independent agent — like Upstate’s Choice Insurance.
- We’ll find a policy that meets your state’s minimum liability limits.
- We’ll file the SR-22 form electronically with the DMV on your behalf.
- You’ll receive proof of coverage and can start driving legally again.
Once your required filing period ends (typically three years), you can remove the SR-22 and return to a regular policy.
Get Back on the Road — Fast
At Upstate’s Choice Insurance, we make it easy to get affordable Non-Owner SR-22 coverage in South Carolina, North Carolina, and Georgia.
Our independent agents can help you:
- File your SR-22 same-day
- Avoid coverage lapses
- Reinstate your license quickly
- Save money with top carrier comparisons
🚗 Need a Non-Owner SR-22 today? Get a free quote now!
📍 www.upstateschoice.com