Key Takeaways
A type of liability coverage known as non-owner auto insurance guards you if you are involved in an accident while operating someone else's vehicle. Non-owner insurance in South Carolina will cover you for any injuries and damage to property you cause to other people.
However, it will not cover medical costs or damage to the rented vehicle. It is solely utilized as backup insurance to cover losses over and above the rental car's insurance limits.
South Carolina's average annual non-owner car insurance coverage premium is $363. In contrast, on average, an owner's policy in South Carolina with basic liability coverage runs about $813 a year. The amount of liability coverage and extra coverage types you choose, such as uninsured motorists or personal injury protection, will affect your rate.
Compared to policies that insure a car, non-owner coverage is less expensive; nevertheless, since there is no car to insure, your rate is primarily determined by you.
Auto-Owners offer the least expensive non-owner insurance coverage in South Carolina, with an average yearly premium of $132. Farmers have the highest annual premium in the state for non-owner insurance, at $1035.
| Provider | Cheapest Annual Premium |
|---|---|
| Auto-Owners | $132 |
| USAA | $243 |
| American Family | $342 |
| State Farm | $345 |
The following companies offer the most economical non-owner auto insurance for South Carolina drivers with spotless driving records:
In South Carolina, the average monthly premium for non-owner auto insurance is $66, whereas the national average is $54.
| Provider | Cheapest Annual Premium |
|---|---|
| Auto-Owners Insurance Co | $330 |
| State Farm | $573 |
| Progressive | $750 |
| Travelers | $756 |
| Bristol West | $1461 |
The following insurance providers offer the best non-owner auto insurance rates to South Carolina drivers with past-due infractions:
USAA offers reasonably priced SR-22 insurance to military personnel and their families in South Carolina for just $63 a month.
If you have a driving infraction, such as a DUI, you can be required to submit an SR-22, which would raise your insurance premium.
Non-owner SR-22 insurance in South Carolina is available from Auto-Owners and State Farm for less monthly than the average of $69 nationwide.
| Provider | Cheapest Annual Premium |
|---|---|
| Auto-Owners Insurance Co | $471 |
| State Farm | $651 |
| Travelers | $954 |
| Progressive | $1254 |
| Bristol West | $2151 |
The top non-owner auto insurance providers in South Carolina, per Way's assessment, are as follows:
If you do not own a car and you:
Non-owner insurance might not be necessary if you:
You must converse over the phone or in person with an agent to acquire non-owner auto insurance coverage. Non-owner plans are not offered by all insurance providers and those that typically do not provide online estimates.
To acquire non-owner insurance, you will need a debit or credit card and driver's license information. To obtain the most accurate quote, it's also useful to have a summary of your driving record, including information on citations, accidents, and license suspensions.
You can typically obtain proof of insurance the same day, and as soon as your payment is processed, you're protected. In South Carolina, non-owner insurance is provided by the following insurance providers, albeit it might not be as readily available as standard plans.
Insurance Providers in South Carolina for Non-owner Auto Insurance Policies -
Two of the top ten largest U.S. insurance companies - State Farm and Nationwide - offer non-owner plans in every state.
Some of the biggest auto insurers, such as Liberty Mutual and Allstate, don't even provide non-owner coverage. Some, such as Progressive, limit their coverage to current clients.
Whether or not you should get non-owner car insurance in South Carolina depends on your circumstances. Suppose you frequently borrow cars from friends or family or use car-sharing services. In that case, non-owner insurance can provide you with valuable liability protection.
Additionally, suppose you have a suspended or revoked driver's license. In that case, you may need non-owner insurance to reinstate your license. However, you may not need non-owner insurance if you rarely drive borrowed cars and have a clean driving record.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
Auto-Owners offers the most economical non-owner insurance in South Carolina for those with spotless driving records, starting at about $39 a month. At $48 a month, the same provider offers the lowest rates for drivers with offenses.
Auto-Owners provides the most affordable and high-quality non-owner auto insurance in South Carolina. Remember that each customer may have a different provider that they prefer.
Non-owner auto insurance premiums in South Carolina average $66 per month, more than the $54 national average. s
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