Not owning a vehicle doesn’t mean you’re off the hook when it comes to insurance. In fact, many South Carolina drivers who don’t own cars still need protection on the road. That’s where non-owner car insurance comes in.

What Makes Non-Owner Insurance Different?

Unlike traditional car insurance, non-owner policies aren’t tied to a specific vehicle. Instead, they follow you as the driver. This means that whenever you borrow, rent, or occasionally drive a vehicle, you’ll have liability coverage in place.

Think of it as your personal safety net that fills in the gaps when you’re behind the wheel of a car that isn’t yours.

Who Benefits Most From Non-Owner Coverage?

You might be surprised by how many people can benefit from a non-owner policy:

• Frequent car renters – If you travel or rent cars often, non-owner insurance can be cheaper and more reliable than buying coverage at the counter each time.
• Borrowers of friends’ or family cars – Accidents can happen, and relying only on someone else’s insurance may leave you exposed.
• Drivers required to carry SR-22 – A non-owner SR-22 policy is often the most affordable way to get your license reinstated after a suspension.
• People without cars, but not without driving needs – Even if you only drive occasionally, you’ll want continuous coverage to avoid being labeled as “uninsured,” which raises rates later.

What’s Covered – and What’s Not

A non-owner insurance policy usually includes:

• Liability for injuries to others
• Liability for property damage to other vehicles or property

What’s typically not covered:

• Damage to the car you’re driving
• Collision or comprehensive coverage
• Personal injury protection (unless required by your state)

Why Work With Upstate’s Choice Insurance?

At Upstate’s Choice Insurance, we understand that every driver’s situation is different. Whether you need a simple liability-only non-owner policy or a non-owner SR-22 filing, our team can shop multiple carriers to find the most affordable solution.

We make it easy for South Carolina drivers to get the coverage they need—without paying for extras they don’t.

Start Your Quote Today

If you don’t own a car but still need insurance, give us a call at 864-845-7500 or visit www.upstateschoice.com. We’ll help you compare options and secure the right non-owner policy for your needs.