Don't own a car? You can still get your SR-22.
Non-owner SR-22 insurance for drivers in South Carolina and Georgia who need to meet a state filing requirement without insuring a specific vehicle.
Premiums start under $100 for 6 months
Licensed in South Carolina & Georgia · A-rated carrier (A.M. Best)
What is a non-owner SR-22?
An SR-22 isn't insurance itself — it's a certificate your state files as proof that you carry the minimum required liability coverage. States typically require one after a DUI, an at-fault accident without insurance, a license suspension, or certain other violations.
If you don't own a car, you may still need an SR-22 to reinstate your license or satisfy a court order. A non-owner policy provides that proof of financial responsibility for the times you drive a car that isn't yours — a friend's, a family member's, or a rental — without requiring you to insure a vehicle you own.
This is likely for you if:
- Your license was suspended and the state requires an SR-22 to reinstate it
- You don't own a car but occasionally drive one that belongs to someone else
- A court or the DMV has ordered you to carry proof of financial responsibility
- Your previous SR-22 policy lapsed and you need continuous coverage restored
How it works
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1
Reach out
Call, email, or request a quote and tell us about your situation.
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2
We file with the state
Once your policy is in place, we submit your SR-22 directly to the SC or GA DMV.
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3
Stay compliant
Keep your coverage active and your license stays in good standing.
Common questions
How much does a non-owner SR-22 policy cost?
Premiums start under $100 for six months. Your exact rate depends on your driving history, the state filing requirement, and how long you need to maintain coverage — call us and we'll give you a firm quote.
Do I need to own a car to get an SR-22?
No. A non-owner SR-22 policy is built for exactly this situation — it provides proof of financial responsibility for when you drive a car you don't own, without requiring you to insure a specific vehicle.
How fast can my SR-22 be filed?
We file your SR-22 with the state as soon as your policy is in place. Call us and we'll walk you through the exact timing for your situation.
Will a non-owner policy cover a car I drive every day?
Non-owner coverage is designed for occasional use of vehicles that aren't yours. If you regularly drive one particular car, let us know — you may need a different type of policy, and we'll help you figure out the right fit.
How long do I need to carry an SR-22?
It varies by state and by your individual case. Your court order or DMV notice will specify how long you're required to maintain filing — we can help you keep track of it either way.
What states do you file SR-22s in?
We're licensed and file non-owner SR-22 policies in South Carolina and Georgia.
Get your non-owner SR-22 quote
Fill out our short quote request form and our team will follow up directly. Prefer to talk it through first? Call or email us instead.