Not every driver in North Carolina owns a car—but that doesn’t mean you don’t need insurance. If you drive occasionally, borrow vehicles, or are required to carry an SR22 filing, a Non-Owners Insurance policy may be the perfect solution. At Upstate’s Choice Insurance, we help drivers across North Carolina, South Carolina, and Georgia find affordable Non-Owners Insurance that meets state requirements.
What is Non-Owners Insurance?
Non-Owners Insurance provides liability coverage for drivers who don’t own a car but still need protection when they’re behind the wheel of a vehicle they don’t own. This type of policy is ideal for people who:
- Frequently rent or borrow cars
- Need to maintain continuous insurance coverage
- Require an SR22 filing to reinstate a license
- Want to stay insured without paying for a standard auto policy
Non-Owners Insurance generally covers liability only, meaning it protects you if you cause injury or damage while driving—but it doesn’t cover the vehicle you’re driving.
Why You Might Need Non-Owners Insurance in NC
North Carolina law requires all drivers to carry liability insurance. If you don’t own a vehicle but still drive occasionally, having a Non-Owners policy keeps you legal and financially protected. It can also help you avoid coverage gaps, which may otherwise raise your rates when you do buy a car in the future.
For drivers who need an SR22 filing, a Non-Owners policy is often the most affordable way to meet state requirements without paying for full auto coverage.
Why Choose Upstate’s Choice Insurance?
At Upstate’s Choice, we’re an independent agency—which means we’re not tied to just one insurance company. We shop multiple carriers to find you the best rate and the right policy.
✅ Affordable Non-Owners Insurance policies
✅ SR22 filings for North Carolina drivers
✅ Fast, reliable service from local agents
✅ Licensed in NC, SC, & GA
Get a Quote for Non-Owners Insurance in NC
Don’t let a lack of coverage put your driving privileges at risk. Whether you need to meet an SR22 requirement or simply want protection while driving vehicles you don’t own, Upstate’s Choice Insurance has the solutions you need.
📞 Call us today or visit www.upstateschoice.com to learn more about Non-Owners Insurance in North Carolina and request a free quote.