Young driver saving money on car insurance
Quoting NC Drivers Now

High Risk?
We Got You Covered.

Tickets. Accidents. SR-22. No prior insurance.
We don't turn anyone away. 6 carriers, one call.

🟢 Most drivers approved same day
Call (336) 835-1993 ⚡ Get a Free Quote Online
Policies starting at $49/mo • $49 down payment
6 Carriers
20+ Years
$0 Quote Fee
Same Day Quotes
NC License Plate - INSURED - North Carolina
💰 Budget-Friendly

Payments that fit your budget.

Stop stressing over insurance costs. We find plans with low down payments and monthly rates you can actually afford.

Shocked young driver seeing low insurance quote on phone
💸

Low Down Payment

$49
down payments as low as*
  • Get on the road today
  • Spread payments monthly
  • No huge upfront cost
  • Multiple pay plan options
🔥

Monthly Pay Plans

$49
monthly rates starting at*
  • Affordable monthly installments
  • Auto-pay available
  • No surprise fees
  • Adjust coverage anytime
🏠

Bundle & Save

15%
avg savings when you bundle*
  • Auto + Home discounts
  • Multi-vehicle savings
  • Multi-policy discount
  • One agent, all your policies

💡 Pro tip: Most of our high-risk drivers see rates drop after just 6 months of continuous coverage. Get started now and watch your rate go down.

📄 Non-Owner Policy

Don't own a car?
You still need this.

What is a Non-Owner Policy?

A non-owner auto policy provides liability coverage when you drive a car you don't own — rental cars, borrowed vehicles, car shares. It's the #1 way to satisfy an SR-22 requirement without owning a vehicle.

  • 📋
    Fulfill your SR-22 requirement — Get your license reinstated even without owning a car
  • 💰
    Super affordable — Typically 30-50% less than a standard auto policy
  • 🚗
    Drive any car — Covered when borrowing, renting, or using rideshare
  • 📈
    Build continuous coverage — Start building a clean insurance history now to lower future rates
  • ✅
    Stay legal in NC — Maintain compliance and avoid additional fines or penalties
Car keys being handed over - non-owner policy coverage

Non-Owner SR-22 Policy

The fastest way to reinstate your license and stay legal in North Carolina

~$49/mo
*Rates vary by driving record
Call for Non-Owner Quote
⚡ Simple Process

Covered in 3 steps.

No run-around. No 10-page applications. Just fast coverage.

1

Call or Submit Your Info

Give us the basics — name, vehicle, driving history. That's it. No judgment, no lecture.

⏱ 2 minutes
2

We Shop 6 Carriers

We run your info through Nationwide, Progressive, Travelers, National General, Foremost, and Dairyland to find the lowest rate.

⏱ Same day
3

Pick Your Plan & Drive

Choose the coverage and payment plan that fits your budget. We handle the paperwork, SR-22 filing, everything.

⏱ Done
💪 We Insure Everyone

Your situation. Our specialty.

Swipe through — if any of these sound like you, we can help.

High risk driver rejected then approved for insurance
🎓

New & Young Drivers

First car? First license? We find affordable coverage so you can actually afford to drive.

✓ We can help
⚠️

High-Risk Drivers

Speeding tickets, at-fault accidents, DWI — we specialize in finding options when others say no.

✓ We can help
🚫

SR-22 / FR-44 Filings

Need to file an SR-22? We handle it fast and find the most affordable policy to get your license back.

✓ We can help
🔄

Lapsed Coverage

Gap in insurance? NC hits you with fines fast. Let's get you covered again before it gets worse.

✓ We can help
🚶

Non-Owner / No Car

Don't own a vehicle but need insurance for SR-22 or occasional driving? Non-owner policies start low.

✓ We can help
💪

Good Drivers, Bad Rates

Clean record but paying too much? We'll shop it and show you what you're leaving on the table.

✓ We can help
🌍

Foreign License Holders

International or out-of-state license? We work with carriers that can write policies for you.

✓ We can help
← Swipe to see more →
⭐ Real Drivers, Real Results

Don't take our word for it.

Hear from NC drivers who came to us in tough situations and left with coverage they could afford.

★★★★★

"I had a DWI and two speeding tickets. Every online quote was insane. Bill found me a policy for less than half what I was quoted online. Couldn't believe it."

M
Marcus T. High-risk driver • Elkin, NC
★★★★★

"Just turned 19 and needed my own policy. My parents' agent wanted $380/month. Bill got me covered for $127/month with a $49 down payment. Absolute lifesaver."

A
Alyssa R. Young driver • Yadkinville, NC
★★★★★

"Needed an SR-22 to get my license back and didn't even own a car. Bill set me up with a non-owner policy and filed my SR-22 the same day. Back on the road in 48 hours."

D
DeShawn K. SR-22 / Non-owner • Mt. Airy, NC
★★★★★

"My coverage lapsed for 3 months and I was getting rejected everywhere. Bill didn't judge — he found me a policy with $49 down and got me legal the same week."

T
Tamika J. Lapsed coverage • North Wilkesboro, NC
See more reviews on Google →
Our Carriers

6 carriers. One phone call.

Including carriers that specialize in high-risk and nonstandard auto.

Nationwide Nationwide
Progressive Progressive
Travelers Travelers
National General Nat'l General
Foremost Foremost
Dairyland Dairyland
💬 FAQ

Questions? We got answers.

Almost certainly no. We represent carriers that specialize in high-risk drivers — that includes DWIs, multiple tickets, at-fault accidents, and no prior insurance. That's literally what Dairyland, National General, and Foremost are built for. We haven't met a driver we couldn't find options for.
The SR-22 filing itself is usually just $15-25. Your insurance rate will be higher due to the underlying violation, but we shop multiple carriers to minimize that cost. Many of our SR-22 clients get policies starting around $80-150/month depending on their record. Non-owner SR-22 policies are even cheaper.
If budget is the priority, we can set you up with minimum liability coverage (NC's required 30/60/25 limits) with the lowest down payment available. Some carriers offer down payments starting at $49 with affordable monthly payments. If you don't own a car, a non-owner policy is even cheaper. Call us and we'll find the most affordable option for your situation.
NC takes lapses seriously — your insurance company notifies the DMV automatically. You could face fines of $50-$150, plate revocation, and your rates go up. The good news? The sooner you get re-insured, the less damage. We can get you covered fast and help minimize the penalties. Don't wait.
Drivers under 25 are statistically in more accidents, so every carrier charges more. But the difference between carriers can be hundreds of dollars. That's where we come in — we compare all 6 of our carriers to find the one that treats your age group the fairest. Plus, NC now has an 8-year inexperienced driver surcharge (up from 3 years), so getting the right carrier matters more than ever.
A non-owner policy covers you when driving cars you don't own — rentals, borrowed vehicles, etc. You need one if: you have an SR-22 requirement but no car, you regularly borrow or rent vehicles, or you want to build continuous coverage history to lower your future rates. They're typically 30-50% cheaper than standard auto policies.
Same day in most cases. Call us, give us your info, we shop it, and if you pick a plan, we can bind coverage and have your ID cards and SR-22 filing (if needed) done within hours. Many clients call in the morning and are driving legally by afternoon.

Submitting your quote...

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You're All Set! 🔥

Your quote request has been submitted successfully.

🛒 We're shopping your coverage with ALL 6 carriers right now!
Our team is comparing rates from Nationwide, Progressive, Travelers, National General, Foremost, and Dairyland to find you the lowest rate.

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What happens next?
• We're immediately shopping your coverage
• You'll receive personalized quotes within 24 hours
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(336) 835-1993
📧
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Let's get you quoted ⚡

Basic info so we can find you the best rate. Takes 2 minutes.

🏠 Home Address

What's your situation? 💪

No judgment. This helps us find the right carrier for you.

Who's driving? 🚗

Tell us about everyone who will be on the policy.

Primary Driver

Your vehicle(s) 🚕

Details for each vehicle you want to insure. Select "Non-owner" in Step 2 if you don't have a vehicle.

Vehicle 1

Coverage preferences 🛡

Not sure? No worries — we'll recommend the best options for your budget.

Almost done! 🎉

Last few questions to help us get you the best rate possible.

Your info is secure • Never shared or sold

Stop driving scared.
Get covered today.

Free quote. No judgment. Low payments. Same-day coverage.

Call (336) 835-1993 ⚡ Or Request a Quote Online
Call Now ⚡ Get Quote