When you’re required to file an SR-22 but don’t own a vehicle, the process can feel confusing. Many drivers wonder: Do I still need an SR-22 if I don’t have a car?
The answer? Yes — and it’s called Non-Owner SR-22 Insurance.
What Is Non-Owner SR-22 Insurance?
A Non-Owner SR-22 is a liability-only insurance policy for people who must file an SR-22 form with the state but do not own a car.
It provides the required state-minimum liability coverage when you drive a vehicle you don’t own.
This type of SR-22 satisfies the state requirement after:
- A license suspension
- DUI / DWI
- Driving uninsured
- At-fault accidents without insurance
- Too many violations
- Court-ordered filing
When Would You Need It?
You need Non-Owner SR-22 insurance if:
- You don’t own a vehicle
- You still drive occasionally (borrowed car, friend’s car, rental cars, etc.)
- You want to reinstate or maintain your license
It’s perfect for people who currently don’t have a vehicle registered to them but still need to stay legal.
What Does Non-Owner SR-22 Cover?
✔ Bodily injury liability
✔ Property damage liability
✔ Coverage while driving vehicles you don’t own
❌ It does NOT cover:
- A vehicle you own
- A car kept at your home
- Cars used for work or commercial purposes
- Physical damage to the borrowed vehicle
Why Choose Upstate’s Choice Insurance?
At Upstate’s Choice Insurance, we work with multiple carriers in South Carolina, North Carolina, and Georgia — including Geico, Progressive, Dairyland, National General, and more — to find the cheapest Non-Owner SR-22 policy for your situation.
We compare rates instantly and help you:
- File your SR-22 fast
- Reinstate your license
- Stay compliant with your state
- Save money
👉 Call us today to get your Non-Owner SR-22 policy started!