Some drivers in South Carolina may need to purchase a non-owners auto insurance policy. If you have had your license revoked, borrow cars frequently, or if you use car-sharing services, non-owners insurance might be for you. Non-owners insurance is also known as non-owners SR22 insurance because you must fill out an SR22 form to qualify for this type of insurance. Keep reading as we go into detail on everything you’ll need to master for non-owners SR22 insurance in South Carolina.
What Is Non-Owners SR22 Insurance?
Non-owners SR22 insurance is a document used to prove financial responsibility to the state. States will often mandate a person complete this form to have their license reinstated. Non-owners insurance is designed for those who do not own a vehicle. Contrary to traditional auto insurance policies, this coverage is liability-only and covers a person and not a car. Any car you drive must have separate insurance as non-owners insurance will not cover damage to the vehicle.
Why Do People Purchase Non-Owners SR22 Insurance?
According to UltraCar Insurance, people usually purchase non-owners SR22 insurance to reinstate their driver’s license if they no longer own a vehicle. Drivers may be required to buy this style of insurance through a court order stemming from a judgment or child support case. In some cases, you may purchase non-owners insurance without an SR22. Having continuous coverage through a non-owners policy can provide proof of financial responsibility and reduce insurance costs when deciding to buy a vehicle in the future.
How Long Do I Need Non-Owners SR22 Insurance?
If you are legally required to obtain non-owners SR22 insurance, you must continue to hold your policy without interruption until notified by the state. An insurance underwriter will monitor your policy. If you cancel your coverage or fail to complete payments, the insurance provider notifies the DMV and suspends your license. You may need to carry it for up to five years, depending on your violations.
What Does Non-Owners SR22 Insurance Cover?
Non-owners SR22 insurance won’t cover damage to a vehicle. However, it will protect the policyholder when operating a vehicle owned by someone else.
Non-owners insurance is secondary coverage, meaning it is combined with other forms of insurance, such as a traditional minimum or full coverage policy. It may also pay for any damages that exceed the owner’s insurance coverage. Your non-owners insurance provider will often refuse to pay claims when you are involved in an at-fault accident.
According to SR22 Insurance Policies, non-owners insurance will not cover you when driving certain vehicles, including:
- A vehicle owned by a member of your household
- A vehicle you drive regularly
- Commercial vehicles
- Vehicles related to your job
Why Would I Need to File an SR22 Form?
South Carolina requires an SR22 form to be filed with the state Department of Motor Vehicles after a violation or series of citations. These violations include driving a vehicle without insurance, operating a vehicle with a suspended license, receiving a DUI or DWI, or after multiple offenses.
Driving Laws in South Carolina
South Carolina has banned text messaging for all drivers. South Carolina has stringent laws on driving under the influence of drugs or alcohol. The DUI lookback period for the state is 10 years. Any DUIs within the last decade will appear on your record and may result in harsher sentencing. Penalties are worse if a DUI causes injury or death or if the offender is under 16. Your first DUI leads to 48 hours of community service and 48 hours to 30 days incarceration, a $400 fine, and a six-month license suspension.
South Carolina SR22 Insurance Cost
The price of SR22 insurance varies significantly. The highest cost comes from the points attributed to your license and the subsequent hike in insurance premiums. Some citations may increase your insurance rates slightly, while others may double your monthly premiums. Due to the severity of the violation, DUIs cause some of the largest jumps in auto insurance costs.
These are the best insurance providers in South Carolina and their annual rates for drivers with a DUI per ValuePenguin:
- State Farm: $1759
- SC Farm Bureau: $2404
- Progressive: $2999
These are the best insurance providers in South Carolina and their annual rates for drivers with an at-fault accident within the last three years:
- State Farm: $1959
- GEICO: $2169
- SC Farm Bureau: $2601
Where Can I Get an SR22 Insurance Form?
To receive a quote for non-owners insurance, you’ll probably need to call an insurance agent. Most insurance providers don’t offer non-owners auto insurance quotes online. Progressive, for example, only gives non-owners insurance quotes to existing customers.
NerdWallet verified several companies that offer non-owners car insurance. The most effective way to get a quote is to call the company directly or contact an agent. These are the best companies that provide non-owners insurance:
- Acceptance Insurance
- American Family
- Direct Auto Insurance
- State Farm
- Dairyland Insurance
- Liberty Mutual
Insurance companies that sell non-owners auto insurance may not operate in every state. USAA only provides insurance to active military members, their families, and veterans.
The Department of insurance SC found several ways to ensure you get what your money’s worth after selecting the insurance coverage you want with an insurance company or agent. Before signing paperwork for an insurance policy, check that the agent and business have the proper licenses to operate in South Carolina. It is unlawful for any company or agent to sell auto insurance in South Carolina without a license. If you buy insurance from an unlicensed salesperson, there is no guarantee the coverage will ever payout for your claims.
Check this out if you need additional information, resources, or guidance on car insurance.
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