Car Insurance Non-owner auto insurance in South Carolina: Which company has the cheapest rates? The best non-owner insurance rates in South Carolina are available from Auto-Owners and Geico. Written by: Leslie Kasperowicz | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 15, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. It costs an average of $435 per year for non-owner car insurance in South Carolina, which is $55 more than the U.S. average, according to a 2023 rate analysis from Insure.com. In South Carolina, these policies are available from companies such as USAA, American Family and State Farm, in addition to many others. “Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage. In addition to understanding the various requirements, it’s important to know what non-owner insurance is, which companies offer it and how much it costs in South Carolina. How much does non-owner car insurance cost in South Carolina? Insurers regard non-owner policyholders as less risky due to their limited access to a vehicle. So, it’s usually less expensive to buy a non-owner insurance policy than regular auto insurance. On average in the United States, it costs drivers with a clean driving record plus a good credit score $1,682 a year for a 100/300/100 full coverage insurance policy. This includes $100,000 for injuries you might cause in an accident, up to $300,000 per accident, and an additional $100,000 for property damage. In South Carolina, it’s $1,894 a year. Non-owner auto insurance costs $435 a year in South Carolina and $380 on average in the U.S. by comparison. But there are various criteria to consider when comparing rates, such as where in South Carolina you live, which insurer you purchase from as well as your age and driving history. Which insurer offers the cheapest non-owner insurance rates in South Carolina? With an average annual cost of $120, Auto-Owners’ non-owner insurance policy is South Carolina’s most affordable. At $1,025, Farmers Insurance charges the highest rate for non-owner insurance in the state. The best way to find the lowest price is to compare quotes from several different insurers. We have listed South Carolina’s most affordable non-owner insurance policies below. Cheapest non-owner insurance rates in South Carolina CompanyAverage annual premiumAuto-Owners$120Geico$194USAA$229American Family$330State Farm$333 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in South Carolina by age? Age plays a vital role in pricing because young people who haven’t been driving for a long time are riskier; they are more likely to cause an accident. Therefore, older and more experienced drivers usually enjoy cheaper rates. On average, non-owner insurance costs $1,346 yearly for a 16-year-old and $448 for a 45-year-old in South Carolina. Average non-owner car insurance rates in South Carolina by age and gender AgeMaleFemale16$1,369$1,32317$1,196$1,16418$1,059$1,02619$864$83520$773$74121$649$61722$604$57523$582$56224$547$54025$514$51930$463$48435$440$46840$435$45545$439$45650$429$44355$420$43360$413$42665$427$43270$472$46775$532$511 Which South Carolina cities have the cheapest non-owner car insurance? There’s a great deal of variation from city to city when it comes to rates. Insurers base rates on variables like how common theft, collisions and vandalism are in different cities in the United States. Below are charts showing which cities in South Carolina have the lowest and highest non-owner car insurance rates. The 20 South Carolina cities with the lowest non-owner auto insurance rates Cities in South CarolinaLowest non-owner car insurance ratesSalem$339Walhalla$340Mountain Rest$343Tamassee$345West Union$347Long Creek$351Newry$351Mount Carmel$354Seneca$354Central$356Westminster$357Johnston$361Sunset$362Troy$362Edgefield$364Calhoun Falls$365Laurens$365Mountville$365Saluda$365McCormick$367 The 20 South Carolina cities with the highest non-owner car insurance rates Cities in South CarolinaHighest non-owner car insurance ratesMiley$561Crocketville$559Furman$550Canadys$545Bethera$539Varnville$532Estill$529Dale$525Allendale$524Pineland$521Hanahan$520Parris Island$520Rion$520Hampton$518Lando$518Scotia$518Ladson$517Fairfax$506Ravenel$503Summerville$503 How much is non-owner car insurance in South Carolina’s 10 biggest cities? The largest cities in South Carolina sometimes have significantly different non-owner insurance rates. The non-owner insurance price in Summerville is the most expensive at $503, but Greenville has the least expensive rates among the largest cities in the state at $433. Non-owner auto rates in South Carolina’s 10 largest cities 10 largest cities in South Carolina Non-owner car ratesSummerville$503North Charleston$501Goose Creek$499Florence$485Charleston$480Columbia$475Rock Hill$455Sumter$447Mount Pleasant$445Greenville$433 How non-owner insurance rates in South Carolina compare to rates in other states From state to state, the rates for non-owner car insurance can also vary. South Carolina’s average non-owner insurance rate is $435, $380 above the national average. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 per year. After that, it’s Iowa at $193 annually. Non-owner auto insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 How to get non-owner car insurance in South Carolina Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy. To purchase a policy, follow these steps: Contact an auto insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs Put down a payment to begin coverage Often, you’ll receive proof of insurance very quickly. For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote. “You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company. Here are a few insurers with contact numbers to call for a non-owner insurance quote. State Farm: 800-782-8332 Geico: 800-207-7847 Progressive: 888-671-4405 Allstate: 800-726-6033. USAA: 800-531-8722 Methodology Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner car insurance cost in South Carolina? Which insurer offers the cheapest non-owner insurance rates in South Carolina? How much is non-owner car insurance in South Carolina by age? Which South Carolina cities have the cheapest non-owner car insurance? How much is non-owner car insurance in South Carolina's 10 biggest cities? How non-owner insurance rates in South Carolina compare to rates in other states How to get non-owner car insurance in South Carolina Get instant quotes now ! Please enter valid zip Get quote