Not everyone owns a car, but that doesn’t mean you don’t need auto insurance. If you find yourself borrowing or renting cars often, non-owner car insurance can be a smart and affordable way to stay protected on the road.
What is Non-Owner Car Insurance?
Non-owner car insurance is a liability policy designed for people who don’t own a vehicle but still drive occasionally. Instead of covering a specific car, the policy covers you as a driver. That means if you’re driving a borrowed or rented vehicle and cause an accident, your non-owner policy can help pay for injuries and property damage to others.
Who Should Consider Non-Owner Insurance?
Non-owner policies are ideal for people who:
- Rent cars frequently – Rental companies may offer coverage, but it’s often more expensive than keeping a non-owner policy.
- Borrow vehicles – If you often drive cars owned by friends or family, non-owner insurance adds an extra layer of protection.
- Need to file an SR-22 – If your license was suspended and the state requires you to carry proof of insurance, a non-owner SR-22 policy can help you meet that requirement without owning a car.
- Want continuous coverage – Even when you don’t have a vehicle, maintaining insurance history can help you avoid higher premiums in the future.
What Does It Cover?
Non-owner car insurance typically includes:
- Bodily Injury Liability – Pays for injuries you cause to others.
- Property Damage Liability – Pays for damage to another person’s vehicle or property.
It usually does not include coverage for the vehicle you’re driving, medical payments, or comprehensive and collision.
Why Choose Upstate’s Choice Insurance?
At Upstate’s Choice Insurance, we specialize in finding affordable non-owner car insurance policies across South Carolina. Whether you need a policy for everyday driving, or you’re required to carry an SR-22, we can match you with the right coverage at the best price.
✅ Local, trusted agents
✅ Multiple insurance carriers to compare rates
✅ Experience with SR-22 filings and non-owner coverage
Get Your Free Quote Today
If you don’t own a car but still need coverage, we can help. Call 864-845-7500 or visit www.upstateschoice.com to get a free quote for non-owner car insurance in South Carolina.