Non-Owner Car Insurance in South Carolina
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If you don't own a car, liability coverage is available for South Carolina drivers.
- $80.Average monthly cost for owner liability.
- 25/50/25.Lowest liability limits.
- 16th of 51.Most costly state (1st = highest).
Who non-owner insurance is for
- You often drive borrowed or rented cars but don't own one.
- You have no car to insure, and South Carolina requests an SR-22 filing from you.
- A gap in cover between cars can raise the next price, and you want to avoid it.
What the policy covers
A non-owner policy provides liability coverage only. The minimum requirement in South Carolina is 25/50/25, and this policy must meet it.
If you cause a crash in a borrowed car, it pays other people. The vehicle you drive isn't repaired under this policy. The owner's policy usually pays first.
Policy costs
No official average exists for non-owner policies. Car owners in South Carolina pay an average of $963 a year for liability coverage; non-owner policies are usually cheaper because you don't keep a car in your driveway every day.
Learn more about South Carolina car insurance
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