Cheapest and Best Non-Owner Car Insurance in South Carolina (2024)

Non-owner car insurance in South Carolina offers liability coverage for individuals who do not own cars yet need protection when driving. It is useful if you frequently use someone else's car or want to avoid a lapse in insurance coverage. Getting non-owner car insurance could make it easier for those with driving violations, such as DUIs, to have their licenses reinstated.

According to MoneyGeek's research, Auto-Owners offers South Carolina's best and cheapest non-owner auto insurance. This company also offers the cheapest SR-22 auto insurance in the state if you have a driving offense on your record.

MoneyGeek identified the cheapest non-owner auto insurance coverage in South Carolina.

• Drivers with clean records: Auto-Owners ($27 per month)
• Drivers with violations: Auto-Owners ($38 per month)

You should expect to pay more for non-owner car insurance if you have a driving offense on your record. The cheapest insurance for those without violations is $11 more affordable monthly than the cheapest option for those with offenses.

Drivers in South Carolina with clean driving records can get the most affordable non-owner car insurance from the following providers:

• Auto-Owners: $27 per month
• GEICO: $41 per month

The second-cheapest choice in the state for non-owner auto insurance is USAA, for around $35 per month. However, it is only available for members of the military, veterans and their eligible family members. The average cost of non-owner car insurance in South Carolina is $56 per month, whereas the national average is $43 per month.

South Carolina drivers with offenses on their records can get the cheapest non-owner auto insurance from the following insurance companies:

• Auto-Owners: $38 per month
• State Farm: $53 per month

Military members and their families living in South Carolina can get affordable SR-22 insurance from USAA for $51 per month.

You may need to submit an SR-22 if you have a driving offense, such as a DUI, which will increase the cost of your insurance. Both Auto-Owners and State Farm offer non-owner SR-22 insurance in South Carolina for less than the national average of $59 per month.

Individuals who do not own cars but rent or borrow them can get liability protection with non-owner car insurance. Although it does not have comprehensive and collision coverage, it covers third-party bodily harm and property damage for at-fault accidents. It does not, however, cover your injuries or damages to the vehicle you are driving.

The table that follows covers the differences between non-owner car insurance and full coverage insurance for consumers in South Carolina.

The average monthly cost of non-owner car insurance in South Carolina is around $56, which is higher than the $43 average cost per month nationwide. Although companies take location into account when determining rates, there may be a number of other factors that have a greater impact on how much car insurance costs, including your age, coverage options, driving record and vehicle type.

According to MoneyGeek’s review, the best non-owner auto insurance companies in South Carolina include the following:

• Auto-Owners: MoneyGeek score 88 out of 100 ($27 per month)
• State Farm: MoneyGeek score 71 out of 100 ($47 per month)
• GEICO: MoneyGeek score 70 out of 100 ($41 per month)

For this ranking, we considered affordability, J.D. Power data on customer service and AM Best ratings for financial stability. With our reviews of the top three insurance providers, you may decide which company best matches your needs.

Non-owner car insurance policies are a good fit for people who don't own cars yet need liability coverage. This pertains to those who frequently rent cars or borrow them from friends or relatives, as well as those who need to reinstate their licenses. The following driver types could benefit the most from non-owner car insurance.

If you're considering purchasing non-owner car insurance in South Carolina, the frequently asked questions MoneyGeek answers below could help.