Non-Owner Car Insurance In South Carolina: Cheapest And Best Companies 2025
In South Carolina, Auto-Owners offers the lowest rates for non-owner car insurance, averaging $339 annually. According to my research, Auto-Owners Insurance is the best company for a non-owners policy in South Carolina.
We’ve saved shoppers an average of $600 per year on their car insurance.
When it comes to non-owner car insurance in South Carolina, Auto-Owners stands out as the cheapest option, with an average annual rate of $339. That is compared to the South Carolina state average of $370 per year.
Non-owner car insurance is for drivers who don’t own a car but still need insurance, non-owner policies provide liability coverage when you’re behind the wheel of a borrowed or rented vehicle. This type of insurance is a cost-effective solution for those who want to meet state requirements or maintain continuous coverage without owning a car.
Key Takeaways
Non-owner car insurance in South Carolina costs an average of $370 per year
Auto-Owners offers the lowest non-owners rates in South Carolina at an average of $339 per year.
Auto-Owners Insurance is the best non-owner car insurance company in South Carolina.
Does South Carolina Allow Non-Owner Car Insurance?
Yes, South Carolina allows non-owner car insurance policies. These policies are specifically designed for individuals who do not own a vehicle but occasionally drive rented or borrowed cars. They provide liability coverage, ensuring drivers meet the state’s minimum insurance requirements, which include coverage for bodily injury and property damage.
Non-owner car insurance offers a practical and legal option for those needing liability protection without the commitment of owning a vehicle.
Cheapest Non-Owner Car Insurance In South Carolina
In South Carolina, Auto-Owners offers the cheapest non-owner car insurance, with an average annual rate of $339.
Use the table below to find affordable rates from other companies.
| Company | Cheapest Annual Rate | Cheapest Monthly Rate |
| State Farm | $449 | $38 |
| Geico | $570 | $48 |
| Auto-Owners | $339 | $29 |
| Progressive | $838 | $70 |
| Travelers | $785 | $66 |
Cheapest Non-Owner SR-22 Car Insurance In South Carolina
The cheapest non-owner SR-22 car insurance company in South Carolina is Auto-Owners, with an average annual rate of $480.
| Company | Annual Rate | Monthly Rate |
| Travelers | $960 | $80 |
| GEICO | $720 | $60 |
| State Farm | $598 | $50 |
| Auto-Owners | $480 | $40 |
| Progressive | $1,200 | $100 |
Best Non-Owner Car Insurance Companies In South Carolina
Auto-Owners is the best non-owner car insurance provider in South Carolina.
Use the table below to compare the best non-owner car insurance companies in South Carolina.
| Company | Avg. Annual Rate | AM best | J.D. Power Score |
| Auto-Owners | $339 | A++ | 862 |
| GEICO | $570 | A++ | 850 |
| State Farm | $449 | A++ | 810 |
What Is Non-Owner Car Insurance?
Non-owner car insurance is a type of liability coverage designed for individuals who drive but do not own a car. It provides financial protection in the event that the driver causes an accident, covering bodily injury and property damage to others.
This type of car insurance is ideal for those who frequently rent cars, borrow vehicles, or use car-sharing services. However, it does not cover damage to the vehicle being driven or personal injuries sustained by the driver.
Here’s a comparison table between non-owner car insurance and a full coverage policy:
| Feature | Non-Owner Car Insurance | Full Coverage Policy |
| Purpose | Liability protection for non-vehicle owners | Comprehensive protection for vehicle owners |
| Covers | Bodily injury and property damage to others | Liability, collision, and comprehensive coverage |
| Excludes | Damage to the vehicle driven, personal injuries | Typically covers damage to your own vehicle and self |
| Cost | Lower premiums | Higher premiums due to extensive coverage |
| Ideal For | Drivers without a personal vehicle | Vehicle owners seeking comprehensive protection |
| Flexibility | Generally not customizable | Customizable options for broader protection |
South Carolina Minimum Auto Insurance Requirements
In South Carolina, drivers must meet specific minimum auto insurance requirements to legally operate a vehicle. These include:
- $25,000 for bodily injury per person
- $50,000 in bodily injury per accident
- $25,000 for property damage per accident.
- Personal injury protection (PIP) is optional
- $25,000 uninsured motorist coverage per person
- $50,000 uninsured motorist coverage per accident
What Is SR-22 Insurance?
SR-22 is not a type of car insurance but rather a certificate of financial responsibility required for certain high-risk drivers. It serves as proof that the driver carries the minimum liability insurance required by state law.
Typically mandated after serious driving offenses like DUIs, reckless driving, or multiple traffic violations, the SR-22 is filed by the insurance company with the state’s motor vehicle department. While the SR-22 itself isn’t insurance, obtaining one often results in higher premiums because it signifies the driver is considered a greater risk by insurers. This requirement usually lasts for a specified period, such as three years.
Average Cost Of Non-Owner Car Insurance In South Carolina
The average cost of non-owner car insurance in South Carolina is $31 per month. For non-owner SR-22 insurance, drivers in South Carolina pay around $40 per month.
Understanding the average cost of non-owner car insurance in South Carolina is essential for anyone who frequently rents or borrows cars. This type of insurance provides vital liability coverage without the full expenses of a standard policy, making it a practical choice for those without a personal vehicle.
Average Cost Of Non-Owner Car Insurance In South Carolina- By Age
Age plays a significant role in determining the average cost of non-owner car insurance in South Carolina. Insurance companies assess risk based on various factors, and age is one of the most influential. Younger drivers often face higher premiums due to their perceived inexperience and higher risk of accidents.
Conversely, older drivers may enjoy lower rates as they are generally considered more experienced and lower risk. For example, a 20-year-old might pay around $650 annually, while a 50-year-old could see rates closer to $355.
Below is a table illustrating how average non-owner car insurance rates vary by age in South Carolina:
| Age | Annual Rate |
| 18 | $949 |
| 20 | $650 |
| 25 | $424 |
| 30 | $395 |
| 35 | $380 |
| 40 | $370 |
| 45 | $365 |
| 50 | $355 |
| 55 | $348 |
| 60 | $352 |
Average Cost Of Non Owner Car Insurance In South Carolina Cities
Location is a critical factor influencing the average cost of non-owner car insurance in South Carolina. Insurance providers consider various elements such as traffic density, crime rates, and local regulations when determining rates for different areas.
Here is a table showcasing the average non-owner car insurance rates for 5 different cities in South Carolina:
| City | Average Annual Rate |
| Rock Hill | $386 |
| Mount Pleasant | $367 |
| Greenville | $365 |
| North Charleston | $475 |
| Goose Creek | $442 |
Average Rates Vs Traditional Car Insurance
Understanding the distinction between non-owner car insurance and traditional car insurance is essential for making informed financial decisions. Non-owner car insurance is designed for individuals who frequently drive but do not own a vehicle. It primarily covers liability, offering protection against bodily injury and property damage to others, which generally makes it more affordable than traditional car insurance.
On the other hand, traditional car insurance includes comprehensive and collision coverage, protecting the vehicle itself from damage, theft, and more, thus resulting in higher premiums.
Should You Get Non-Owner Car Insurance In South Carolina?
Non-owner car insurance is a valuable option for individuals who don’t own a vehicle but still find themselves in situations where liability coverage is necessary. Below are the different types of people who should consider this insurance, broken down by their specific needs.
Renters
If you frequently rent cars, non-owner car insurance can save you money and provide better coverage than the insurance offered by rental companies. With a non-owner policy, you’ll have consistent liability coverage, which can be more comprehensive and cost-effective over time.
Car Borrowers
People who borrow cars from friends or family members occasionally may benefit from non-owner car insurance. It ensures you’re covered for liability if you’re at fault in an accident while driving someone else’s vehicle, without relying solely on the car owner’s insurance policy.
License Reinstatement
Non-owner car insurance is often required for drivers reinstating their license after a suspension or revocation due to serious violations, such as a DUI. Filing an SR-22 alongside a non-owner policy demonstrates financial responsibility and compliance with state requirements.
Infrequent Drivers
If you rarely drive but still want to maintain continuous insurance coverage to avoid gaps, a non-owner policy is a practical solution. It helps you avoid higher premiums in the future, as gaps in coverage can signal a higher risk to insurers.
Drivers Between Cars
If you’ve sold your car or are in between purchasing vehicles, non-owner car insurance can provide interim liability protection. This ensures you remain insured during the transition and maintain a good insurance history.
How To Get Non-Owner Car Insurance In South Carolina
Securing a non-owner car insurance policy in South Carolina is a straightforward process. Follow these step-by-step instructions to find and purchase the right policy for your needs.
Assess Your Insurance Needs
Determine why you need non-owner car insurance. Are you looking to meet state requirements, reinstate a license, or ensure liability coverage when driving borrowed or rented cars? Understanding your specific needs will help you choose the right policy.
Gather Personal Information
Prepare the necessary details, including your driver’s license number, driving history, and any required documentation like an SR-22 if applicable. Insurers will ask for this information to assess your risk profile.
Research Providers
Look for insurance companies that offer non-owner car insurance in South Carolina. Compare rates, customer reviews, and coverage options to narrow down your choices. Companies like GEICO, State Farm, and Progressive often provide competitive rates.
Get Quotes
Request quotes from multiple insurers. Be honest about your driving habits and the purpose of the policy to ensure accurate pricing. Compare the premiums, coverage limits, and deductibles for each policy.
Choose A Policy
Select the policy that best meets your needs and budget. Make sure it includes liability coverage that complies with South Carolina’s minimum requirements, as well as any additional features you may want.
Apply For The Policy
Submit your application online, over the phone, or in person with the chosen insurer. Provide all requested documents and information during the application process.
Review The Terms
Before finalizing your purchase, carefully review the policy terms and conditions. Ensure you understand the coverage limits, exclusions, and any additional fees.
Pay The Premium
Pay your premium to activate the policy. Many insurers offer flexible payment plans, including monthly or annual options, to suit your financial situation.
Maintain Your Policy
Keep your policy active by making timely payments. If you need an SR-22 filing, confirm that the insurer has submitted it to the state on your behalf.
Average Non-Owner Car Insurance Rates vs Other US States
Non-owner car insurance rates differ from state to state. Use the table below to find average rates for individual U.S. states.
| State | Annual Rate |
| Alabama | $450 |
| Alaska | $294 |
| Arizona | $374 |
| Arkansas | $257 |
| California | $450 |
| Colorado | $301 |
| Connecticut | $404 |
| Delaware | $332 |
| Florida | $513 |
| Georgia | $286 |
| Hawaii | $420 |
| Idaho | $191 |
| Illinois | $297 |
| Indiana | $238 |
| Iowa | $140 |
| Kansas | $281 |
| Kentucky | $388 |
| Louisiana | $327 |
| Maine | $242 |
| Massachusetts | $311 |
| Maryland | $429 |
| Michigan | $238 |
| Minnesota | $309 |
| Mississippi | $317 |
| Missouri | $360 |
| Montana | $301 |
| Nebraska | $188 |
| Nevada | $478 |
| New Hampshire | $324 |
| New Jersey | $488 |
| New Mexico | $302 |
| New York | $221 |
| North Carolina | $288 |
| North Dakota | $205 |
| Ohio | $238 |
| Oklahoma | $358 |
| Oregon | $453 |
| Pennsylvania | $296 |
| Rhode Island | $514 |
| South Carolina | $369 |
| South Dakota | $184 |
| Tennessee | $238 |
| Texas | $380 |
| Utah | $461 |
| Vermont | $307 |
| Virginia | $270 |
| Washington State | $352 |
| Washington, D.C. | $301 |
| West Virginia | $365 |
| Wisconsin | $228 |
| Wyoming | $202 |
Our Methodology
Our methodology for evaluating car insurance companies involves a thorough analysis of multiple factors. We compare average premiums across various profiles and coverage scenarios to assess affordability. Customer satisfaction ratings are gathered from surveys, reviews, and feedback across trusted platforms. To ensure reliability, we evaluate financial strength using ratings from reputable agencies.
We also analyze coverage options, flexibility, and inclusiveness. Additionally, we review discounts and extra benefits offered by each insurer. To provide a well-rounded evaluation, we incorporate insights and data from other reputable insurance review sites, ensuring accurate and comprehensive recommendations for non-owner car insurance.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Does South Carolina require non-owner insurance?
No, South Carolina does not require non-owner car insurance. However, it is an option for drivers who need liability coverage but do not own a vehicle, such as those reinstating a license or driving borrowed cars.
How do you insure a car you don’t own?
To insure a car you don’t own, you can purchase a non-owner car insurance policy. This provides liability coverage for driving rented or borrowed vehicles and can meet state insurance requirements if necessary.
