Non-Owner Car Insurance South Carolina

What Is Non-owner Car Insurance?

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.

How Much Does Non-owner Car Insurance Cost in South Carolina?

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.

Cheapest Non-owner Car Insurance in South Carolina

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.

Cheapest Insurance with a Clean Record in South Carolina

The following companies offer the most economical non-owner auto insurance for South Carolina drivers with spotless driving records:

• Auto-Owners: $51 per month.

In South Carolina, the average monthly premium for non-owner auto insurance is $66, whereas the national average is $54.

Cheapest Non-owner SR-22 Car Insurance in South Carolina

The following insurance providers offer the best non-owner auto insurance rates to South Carolina drivers with past-due infractions:

• Auto-Owners: $48 per month
• State Farm: $66 per month.

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.

Best Non-owner Car Insurance in South Carolina

The top non-owner auto insurance providers in South Carolina, per Way's assessment, are as follows:

• Auto-Owners: $39 per month
• State Farm: $57 per month.

Who Needs Non-owner Car Insurance in South Carolina?

If you do not own a car and you:

• Wish to prevent a coverage lapse: Even if you don't have a car to insure, canceling your coverage results in a lapse in your insurance history. Rather than canceling, you can avoid lapses and remain covered if you borrow a vehicle by switching to non-owner insurance.
• Required by law to keep their insurance: Even if you don't own a car, you may need evidence of insurance if you've had serious traffic infractions. If you have a record of driving without insurance or a DUI/DWI, this is typical.
• Regularly rent a car: Getting a non-owner policy can be less expensive than paying the rental business for liability insurance. However, remember that not all non-owner plans cover rentals; make sure your policy does.
• Take out frequent auto loans: Non-owner insurance might support the owner's coverage following an accident. Your non-owner policy will take over as supplemental coverage if damages exceed the owner's limits, saving you from paying the full amount out of pocket.

Non-owner insurance might not be necessary if you:

• Buy a car: If you own a car in South Carolina, you must have liability and uninsured/underinsured motorist coverage. In addition, consider comprehensive, collision, and additional coverage options like MedPay, gap insurance, or roadside assistance.
• Regularly rent the same car: You should be included on the owner's policy if you use the same vehicle frequently. You ought to be identified as a driver if your partner, parents, siblings, kids, relatives, friends, neighbors, etc., possess a vehicle you frequently use.
• Unable to get a license: You will only be allowed to complete a policy if you have a valid driver's license or cannot provide a valid driver's license number.
• Use a work-related loaner car: Commercial non-owner coverage could be more appropriate in this case. If your employer provides your car, it has adequate insurance. Verifying primary coverage before deciding on a secondary non-owner insurance is advisable.

How to Get Non-owner Car Insurance in South Carolina

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 -

• State Farm: (800) 782-8332.
• Nationwide: (877) 669-6877.

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.

Should You Get Non-owner Car Insurance in South Carolina?

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.