Cheapest And Best Non-Owner Car Insurance In Georgia 2024

After extensive research, it’s clear that Kemper shines as the most cost-effective and dependable choice for non-owner car insurance in Georgia.

min read
Updated: 20 May 2024
Written by
Doug Schaffer
On this page Open

For many Georgians, the combined monthly expenses for a car, plus insurance, can be equal to rent or mortgage payments. As a result, more residents are turning to vehicle sharing or rentals, and non-owner car insurance serves as a valuable safety net, offering financial security and peace of mind.

With 15 years of experience as a licensed insurance agent and over 35 years of navigating the car insurance landscape, I possess a deep understanding of the insurance companies assessed here. Having been insured by several of them, I can vouch for their reliability. Each provider brings unique strengths to assist residents of Georgia.

Cheapest And Best Non-Owner Car Insurance In Georgia, 2024

Non-Owner Car Insurance, Georgia 2024

Compare Non-Owner Car Insurance In Georgia

Overall Rating Best For J.D Power Rating A.M Best Rating Get A Quote
Kemper
4.7

Cheapest Overall

736

A-

Instant Quote
Progressive
4.8

Cheapest With A Clean Driving Record

809

A+

Instant Quote
State Farm
4.9

Overall

826

A++

Instant Quote
Farmers
4.7

Cheapest Non Owner SR-22

810

A-

Instant Quote
Travelers
4.8

Runner-Up

Not Rated

A++

Instant Quote
Scroll to see comparisons

Our Methodology

By conducting a comprehensive assessment that encompasses aspects like customer service, product choices, pricing, and a deep dive into online reviews and user feedback, I've developed a comprehensive understanding of the non-owner car insurance domain. This viewpoint is based on my extensive involvement in the industry for more than 15 years as a licensed agent, involving numerous interactions with representatives from various companies. Furthermore, it's informed by my personal experiences in procuring insurance in Georgia.

115

Quotes Analyzed

15+

Years Of Industry Experience

21

Brands Reviewed

30+

Hours Of Research

Cheapest Non-Owner Car Insurance Companies In Georgia


Cheapest Overall

Overall Rating
4.7

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

If affordability is your top priority, Kemper takes the lead as the most budget-friendly option for non-owner car insurance in Georgia. Renowned for serving high-risk drivers, Kemper’s policies are accessible across the state and nationwide through independent agents.

Despite its reputation for offering economical rates in Georgia, Kemper tends to receive lower customer satisfaction scores, as reported by the National Association of Insurance Commissioners. Nevertheless, this hasn’t affected its status as the 11th largest insurer in the United States.

For active-duty military members or National Guard personnel without personal vehicles, Kemper can be a valuable choice, especially if they are deployed, reside on a military base, and frequently use someone else’s vehicle.

Georgia is famous for its expensive lifestyle, which also applies to car insurance. The mix of heavy traffic and a considerable number of uninsured or underinsured drivers has driven up the costs of owning a car and maintaining insurance, making it difficult for many.

As a result, more people are steering away from car ownership and are turning to rental vehicles instead. Seeking cost-effective non-owner car insurance has become a financial relief for residents in Georgia, offering coverage for those who no longer require traditional car insurance.

Benefits & Drawbacks

Benefits
  • Most economical rates for non-owner insurance in Georgia
  • Option to obtain an SR-22 if required
  • Impressive AM Best financial strength rating
Drawbacks
  • Elevated volume of customer complaints regarding policyholder service
  • Mobile app has received low ratings

Cheapest With A Clean Driving Record

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Progressive takes the spotlight as a prime choice for non-owner car insurance in Georgia, particularly for drivers with a spotless record. Progressive’s non-owner insurance furnishes essential liability coverage, offering protection against substantial costs linked to injuries or property damage inflicted on others in an accident. This is especially crucial since Georgia enforces financial responsibility for all vehicles on its roads.

Accessible through independent agents and directly managed by Progressive, the non-owner car insurance reaps the advantages of the company’s strong financial ratings and adeptness in handling claims.

Drivers with a clean track record enjoy lower rates for non-owner car insurance. They are perceived as lower risks by insurance companies, are rewarded for their safe driving habits, and contribute to minimizing insurers’ financial losses from claims. Maintaining an unblemished driving record can substantially reduce your insurance costs.

Benefits & Drawbacks

Benefits
  • Diverse coverage selections
  • Optimal rates for safe drivers
  • Offers discounts for safe driving practices
Drawbacks
  • Absence of rental car coverage
  • Varied customer service feedback
  • Non-owner car insurance is not accessible in all states

Cheapest Non Owner SR-22

Overall Rating
4.7

Key Statistics

9/10 Affordability
7/10 Customer Reviews
9/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

Farmers is acknowledged as a dependable choice for non-owner car insurance, especially for drivers requiring an SR-22. This document is mandated for individuals designated as “high-risk” by the state due to infractions such as DUIs, reckless driving, or driving without insurance.

What sets Farmers apart is its specialized services designed to assist high-risk drivers. They not only offer SR-22 insurance but also provide support for drivers with suspended licenses to swiftly and conveniently reinstate them. This commitment to ensuring a smooth and hassle-free experience for high-risk drivers distinguishes Farmers from many other insurers.

When it comes to pricing, Farmers offers SR-22 insurance at a modest 2% increase compared to regular car insurance on average. This affordability, coupled with the comprehensive coverage offered, positions Farmers as a cost-effective choice for Georgia drivers in need of an SR-22.

Selecting non-owner SR-22 insurance is a smart decision for high-risk drivers who lack a personal vehicle but require occasional driving. This insurance offers liability coverage, ensuring you’re financially protected if you’re in an accident while operating a borrowed or rented vehicle.

Moreover, it enables you to maintain a continuous insurance record, illustrating financial responsibility and averting any gaps in your insurance history that could lead to higher premiums in the future.

Benefits & Drawbacks

Benefits
  • Focuses on high-risk drivers
  • Provides the most economical rates for non-owner SR-22 coverage
  • Offers comprehensive coverage options
Drawbacks
  • Certain policyholders have conveyed challenges with claim handling and resolution
  • Increased rates for high-risk drivers

Best Overall

Overall Rating
4.9

Key Statistics

9/10 Affordability
10/10 Customer Reviews
10/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

State Farm takes the lead as the premier choice for non-owner car insurance in Georgia. This is primarily attributed to its competitive pricing, extensive coverage options, and exceptional customer service.

In terms of affordability, although State Farm may not be the absolute cheapest, it provides cost-effective rates while delivering top-notch customer service. The company offers non-owner liability policies at $213 per year, a significant reduction from Georgia’s average annual non-owner auto insurance cost of $323.

State Farm’s non-owner car insurance includes liability protection, ensuring financial security if you’re deemed responsible for injury or property damage. Additionally, if your current personal auto policy with State Farm encompasses comprehensive coverage, it can extend to your rental car, adding an extra layer of protection.

State Farm’s unwavering commitment to customer service solidifies its top position in our rankings. With easy accessibility through their dedicated contact number or phone app, State Farm guarantees prompt assistance for policyholders whenever it’s needed.

Certainly, when it comes to selecting non-owner car insurance, the cost is a key consideration. However, exceptional customer service holds equal importance. Insurance encompasses more than just pricing—it’s about having peace of mind and the confidence that you’ll receive the support you need.

The efficiency of an insurance company in managing claims, addressing inquiries, and offering guidance is of paramount importance.

Benefits & Drawbacks

Benefits
  • Pricing competitiveness
  • Wide-ranging coverage
  • Exceptional customer satisfaction
Drawbacks
  • Absence of comprehensive or collision coverage for non-owner policies
  • Availability of limited discounts
  • Existence of some lower-priced alternatives

Best Runner-Up

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

When it comes to non-owner car insurance in Georgia, Travelers stands as a solid alternative choice. Their standout feature lies in their personalized policies and top-tier customer service.

Travelers has built a strong reputation for delivering exceptional customer service, a critical factor in the insurance provider selection process. In the event of an accident or a claim, having an insurer that provides swift, effective assistance and guides you through the process is of paramount importance. Travelers has consistently demonstrated its commitment to ensuring customer satisfaction, establishing itself as a reliable option for non-owner car insurance.

In addition to their wide-ranging coverage options, encompassing standard liability, collision, and uninsured/underinsured coverage, Travelers offers comprehensive non-owner insurance protection at a reasonable price point.

Non-owner car insurance primarily covers liability, addressing damages you may cause to others. However, enhancing your protection with comprehensive and collision coverage is a wise decision for many drivers.

Comprehensive coverage shields you from non-collision incidents, such as theft, vandalism, or damage from natural disasters, ensuring you don’t have to bear the financial burden if any of these events occur.

On the flip side, collision coverage steps in when accidents involve another vehicle or object, regardless of who is at fault.

Benefits & Drawbacks

Benefits
  • Extensive coverage options
  • Outstanding customer service
  • Competitive pricing
Drawbacks
  • Absence of online quotes
  • Availability of limited discounts
  • Elevated rates for high-risk drivers

What Is Non-Owner Car Insurance

Certainly, if you frequently find yourself driving vehicles that aren’t registered in your name – be it rentals or borrowed cars – it’s wise to consider non-owner car insurance.

Non-owner insurance primarily provides liability coverage. In the event that you’re involved in an accident while driving a car that you don’t own, this policy steps in to cover the medical and repair expenses for the other party.

Some insurers may offer additional options, such as protection against uninsured or underinsured drivers, as well as personal injury coverage.

It’s important to bear in mind, however, that non-owner insurance typically doesn’t extend to comprehensive or collision damage. This means any damage to the vehicle you’re driving may not be eligible for coverage.

For those who frequently rent or borrow cars, non-owner insurance proves to be a practical choice. In many cases, it can be more cost-effective compared to purchasing insurance directly from the rental company.

Moreover, maintaining a non-owner policy ensures you maintain continuous insurance coverage, which could lead to lower premiums if you decide to become a car owner down the road.

Coverage Type Non-Owner Car Insurance Full Coverage Policy
Liability Coverage Covers bodily injury and property damage you cause to others. Covers bodily injury and property damage you cause to others.
Comprehensive Coverage Does not cover damages to the vehicle you’re driving from non-collision incidents like theft, fire, or vandalism. Covers damages to your vehicle from non-collision incidents like theft, fire, or vandalism.
Collision Coverage Does not cover damages to the vehicle you’re driving from a collision, regardless of fault. Covers damages to your vehicle from a collision, regardless of fault.
Uninsured/Underinsured Motorist Protection Optional. Some insurers offer this as an additional coverage. Can cover your losses if you’re involved in an accident with an uninsured or underinsured driver.
Personal Injury Protection (PIP) Optional. Some insurers offer this as an additional coverage. Can cover medical expenses for you and your passengers, regardless of who is at fault.
Rental Car Coverage Provides liability coverage when you rent a vehicle. Typically requires additional rental reimbursement coverage.

What Is SR-22 Insurance?

SR-22 isn’t a standalone insurance policy; it’s a document that serves as evidence of your vehicle liability insurance, a requirement imposed by most state Department of Motor Vehicles (DMV) for individuals considered “high-risk.”

Your insurance provider is responsible for submitting this form, essentially certifying that you meet your state’s minimum liability insurance requirements.

This document is often a prerequisite for those with suspended licenses due to traffic violations, DUIs, or more serious infractions.

The primary purpose of the SR-22 form is to confirm that you are maintaining the necessary auto liability insurance coverage. Typically, the state or court mandates it, particularly for high-risk drivers. Your insurance company handles the submission of this form to the state, and if your coverage lapses, they’re obligated to notify the state accordingly.

Average Cost Of Non Owner Car Insurance In Georgia

Navigating the world of non-owner car insurance can be complex, given the numerous providers and varying pricing structures. However, making a well-informed choice is essential when assessing its financial implications.

In order to streamline this process, we’ve created a handy comparison chart that presents the average prices for car insurance from five prominent providers. This visual aid is designed to facilitate your decision-making process.

Insurer Average Monthly Rate
Progressive $594
Auto-Owners $266
State Farm $651
GEICO $449
USAA $387

How Much Is Non-Owner Car Insurance In Georgia – By Age?

Much like with comprehensive car insurance, non-owner car insurance tends to be more expensive for teenagers and gradually becomes more affordable as drivers age, typically reducing until around the age of 55.

For your convenience, we’ve gathered sample rates for non-owner car insurance in Georgia, presenting pricing across ten distinct age groups. This information can serve as a valuable reference in understanding how rates evolve over time.

Age Average Annual Rate
16 $1,402
18 $1,116
21 $604
25 $406
35 $382
45 $376
55 $349
65 $381
70 $401
75 $483

Average Cost Of Non-Owner Car Insurance In Georgia – By City

These are sample rates for five cities in Georgia:

City Sample Average Annual Rate
Chula $270
Morven $274
Fitzgerald $269
Hahira $264
Omega $278

How Much Is Non-Owner Car Insurance In Georgia’s 10 Biggest Cities?

The size of a city plays a significant role in how insurers calculate car insurance rates. If you live in a big city with busy traffic, you’re likely to pay more for car insurance.

City Average Annual Rate
Atlanta $612
Augusta $353
Columbus $371
Warner Robins $410
Savannah $380
Athens $337
Sandy Springs $451
Alpharetta $422
Johns Creek $545
Adel $258

How Non-Owner Insurance Rates In Georgia Compare To Other States

Interestingly, the yearly average rate for non-owner car insurance in Georgia is $384, which is slightly above than the national average of $353. Let’s also look at non-owner rates in the 12 most populated states:

State Average Annual Premium
North Carolina $980
Florida $665
New York $571
Michigan $569
Texas $401
Illinois $293
National Average $352
Pennsylvania $214
California $316
Ohio $200

Should You Get Non-Owner Car Insurance In Georgia?

Non-owner car insurance is designed for those who don’t own a car but may need to drive occasionally, offering liability coverage in case of accidents while using a borrowed or rented vehicle.

In Georgia, specific groups should weigh the benefits of non-owner car insurance:

Frequent Renters And Borrowers:

If you frequently rent or borrow vehicles, non-owner car insurance is a practical choice. Rental companies provide insurance, but costs can escalate with repeated rentals. Having your own policy ensures your protection without affecting the vehicle owner’s premium.

Public Transport Commuters With Occasional Driving Needs:

Many Georgians rely on public transport or rideshares for daily commuting and only drive occasionally. If you primarily use public transportation or reside in a well-connected urban area but sometimes require a vehicle, non-owner insurance provides essential financial security.

Individuals Aiming To Maintain Continuous Coverage:

Insurance companies often view individuals without continuous coverage as high-risk, potentially leading to higher premiums upon car purchase. If you’ve sold your vehicle and plan to be without one for some time, a non-owner policy helps you maintain uninterrupted coverage. This preserves your insurance history and can lead to cost savings when you eventually acquire a car and require standard insurance.

What Does Non Owner Car Insurance Cover?

Non-owner car insurance primarily provides liability coverage, covering expenses associated with injuries or property damage you might cause to others in the event of an accident.

However, it’s important to note that this insurance doesn’t extend to damages to the vehicle you’re driving; such coverage typically falls under the responsibility of the vehicle owner’s insurance.

Some non-owner car insurance policies may offer additional options, such as medical payments or personal injury protection (PIP). These can help cover your medical expenses after an accident, regardless of fault.

You can also consider uninsured/underinsured motorist protection, which comes into play if you’re involved in an accident with a driver who lacks adequate insurance.

It’s crucial to keep in mind that non-owner car insurance generally does not include comprehensive or collision coverage. This means that damages to the vehicle you’re driving resulting from theft, vandalism, natural disasters, or collisions are typically not covered by this policy.

How To Get Non-Owner Car Insurance In Georgia

To simplify the process of obtaining non-owner car insurance in Georgia, you can follow these five straightforward steps:

Determine Your Needs

Before diving in, it’s essential to understand why you need non-owner car insurance. Are you a frequent renter or borrower of vehicles? Do you require a non-owner SR-22 for license reinstatement? Clearly defining your needs will guide you to the most suitable insurance solution.

1

Collect Personal Information

To obtain a quote, you’ll need to gather basic personal information, such as your name, address, and driver’s license number. This information allows the insurer to assess your risk profile and calculate your premium.

2

Compare Rates From Different Providers

Not all insurers offer the same rates for non-owner car insurance. It’s a prudent move to compare quotes from various providers to secure the most favorable deal.

3

Select The Right Coverage

While most policies provide liability coverage, which handles costs in case you’re involved in an accident, you might also have the option to include extras like uninsured motorist protection or medical payments, depending on your needs and the insurer. Choose a policy that aligns with your specific requirements.

4

Purchase Your Policy And Obtain Proof Of Insurance

Once you’ve settled on a policy, you can conveniently purchase it online or over the phone. Shortly after your purchase, you’ll receive proof of insurance, often delivered via email. If necessary, your chosen provider can also assist with filing an SR-22 for you.

5

FAQs

Do you need car insurance if you don’t own a car in Georgia?

Undoubtedly, having car insurance is vital, even if you don’t own a car in Georgia. This is where non-owner car insurance steps in. If you frequently drive a vehicle you’ve borrowed or rented, this policy guarantees that you’re covered for liability in the event of accidents while driving.

Can I buy auto insurance for someone else’s car in Georgia?

It’s possible to secure car insurance for a vehicle owned by someone else in Georgia. However, the process can be a bit more intricate than insuring a car you own. While the owner of the car doesn’t always need to be the policyholder, insurance companies typically prefer that the person obtaining the insurance has a genuine connection to the vehicle, such as being a co-owner or frequent driver. If you’re not the owner but frequently drive the car, a non-owner car insurance policy may be the better option for you.

Who offers the cheapest non owners car insurance in Georgia?

Based on our research, Kemper offers the most budget-friendly rates for non-owner car insurance in Georgia.

Go back to top