Don't own a car? Buy your SR-22 online right now.
Non-owner SR-22 insurance for South Carolina and Georgia drivers. See your price, pay, sign and have your SR-22 filed with the state in about 10 minutes - 24 hours a day, no phone call needed.
Premiums start under $100 for 6 months
Available 24/7 � 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 - start to finish online, in about 10 minutes
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1
Answer a few questions
Your name, date of birth and address. You'll see sample prices right away, and you can fine-tune them with your own driving history.
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2
See your exact price
We pull your driving record securely in seconds and show your final price - pay in full or a down payment with monthly payments. Review and sign your application electronically.
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3
Pay and you're covered
Pay by debit or credit card and your SR-22 is filed with the SC or GA DMV electronically. Your policy, receipt and filing are e-mailed to you the same minute.
What you'll need
Nothing to print, mail or fax. Have these handy and you can be covered before you finish your coffee.
Need to stop and come back?
You can save your progress at any step and we'll text or e-mail you a link to pick up exactly where you left off - no need to start over.
Common questions
How much does a non-owner SR-22 policy cost?
Premiums start under $100 for six months. Your exact price depends on your driving record, the state filing requirement and the term you choose. Enter your details online and you'll see sample prices in about two minutes and your exact price as soon as your driving record is pulled - no phone call needed.
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.
Can I really buy it right now, at this hour?
Yes. The whole process - price, driving record, electronic signature, payment and the SR-22 filing - runs online 24 hours a day, 7 days a week. Most people are covered in about 10 minutes.
How fast is my SR-22 filed?
The moment your payment goes through, your SR-22 is sent electronically to the South Carolina or Georgia DMV and your policy documents are e-mailed to you. If your policy starts on a later date you choose, the filing goes in on that date.
Can I pay monthly?
Yes. Choose the payment plan when you see your price: a down payment today and the rest in monthly payments charged automatically to your card. Paying in full is available too.
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 - for example a car in your household - a non-owner policy may not be the right fit and that vehicle's own policy should list you as a driver.
How long do I need to carry an SR-22?
It varies by state and by your individual case - commonly three years. Your court order or DMV notice says how long you're required to maintain the filing. Keep your policy in force for that whole period: a lapse is reported to the state and can restart the clock.
What states do you file SR-22s in?
We're licensed and file non-owner SR-22 policies in South Carolina and Georgia.
Buy your non-owner SR-22 now
See your price, pay and have your SR-22 filed in about 10 minutes - any time, day or night. Your policy documents are e-mailed the moment you're covered.
Questions first? Our office is open Monday to Friday, 9am-5pm: (800) 922-3301