If you’ve been required to file an SR22 but don’t own a vehicle, you may be wondering how to stay compliant without buying full auto insurance. The solution is non owner SR22 insurance — a policy designed specifically for drivers who need an SR22 filing but do not currently own a car.
At Upstate’s Choice Insurance, we help drivers get non owner SR22 insurance quickly and affordably, often with same-day filing. You can learn more or request a quote directly on our
👉 Non Owner SR22 Insurance quote page.
What Is Non Owner SR22 Insurance?
A non owner SR22 is a liability-only auto insurance policy paired with an SR22 filing that proves financial responsibility to the state. It is designed for drivers who:
- Do not own a vehicle
- Are required by the DMV or court to file an SR22
- Still want to legally drive borrowed or rented vehicles
The SR22 itself is not insurance — it’s a certificate your insurance company files with the state confirming you meet minimum liability requirements.
If you need to file one, our team can help you get started here:
👉 Non Owner SR22 Insurance filing & quotes
Who Needs a Non Owner SR22 Policy?
You may need non owner SR22 insurance if you:
- Had a DUI or DWI
- Were caught driving without insurance
- Have multiple traffic violations
- Need to reinstate a suspended license
- Don’t currently own a vehicle
Many drivers choose a non owner SR22 policy because it is often the cheapest legal way to satisfy SR22 requirements.
How Non Owner SR22 Insurance Works
A non owner SR22 policy:
- Covers bodily injury and property damage liability
- Does not cover damage to the vehicle you’re driving
- Allows your insurer to file the SR22 with the state
- Costs less than traditional auto insurance in most cases
⚠️ Important: If your policy lapses, the SR22 is canceled and your suspension period may restart.
To avoid delays or mistakes, it’s best to work with an agent who handles non owner SR22 filings daily.
👉 Request a Non Owner SR22 quote here
Non Owner SR22 Insurance in SC, NC & GA
We help drivers with non owner SR22 insurance in:
- South Carolina
- North Carolina
- Georgia
Each state has specific SR22 rules, but all require:
- Continuous coverage
- Minimum liability limits
- Active SR22 filing for the full required period
Our agency ensures everything is filed correctly the first time.
How Much Does Non Owner SR22 Insurance Cost?
Non owner SR22 insurance is typically more affordable because:
- Coverage is liability-only
- No vehicle is insured
- Policies are designed for occasional drivers
Rates vary based on driving history and state requirements, but many drivers find this option far cheaper than standard auto insurance.
You can check pricing instantly here:
👉 Get a Non Owner SR22 insurance quote
How to Get Non Owner SR22 Insurance
Getting covered is simple:
- Request a non owner SR22 quote
- Choose coverage that meets state requirements
- We file the SR22 with the DMV
- You receive confirmation and can legally drive again
Most filings can be completed the same day.
Frequently Asked Questions About Non Owner SR22
Is non owner SR22 insurance cheaper?
Yes. Non owner SR22 insurance is often cheaper than standard auto insurance because it only provides liability coverage.
Can I drive any car with non owner SR22 insurance?
You can drive borrowed or rented vehicles, but not a vehicle you own or regularly use.
How long do I need an SR22?
Most states require SR22 filings for 1–3 years, depending on the violation.
Where can I get non owner SR22 insurance fast?
You can request same-day service directly here:
👉 Non Owner SR22 Insurance – Get a Quote
Get a Non Owner SR22 Quote Today
If you need non owner SR22 insurance, waiting can delay license reinstatement and increase costs.
👉 Get a free non owner SR22 quote today
🌐 https://www.upstateschoice.com/get-a-quote/non-owners-sr22-insurance/
📞 864-845-7500