Cheapest Non-Owner Car Insurance In Georgia 2024

Non-owner car insurance in Georgia is most affordable with Auto-Owners, averaging $286 annually.

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Updated: 27 November 2024
Written by Doug Schaffer
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With an average cost of $286 annually, Auto-Owners provides Georgia’s most affordable non-owner car insurance, covering drivers using rented or borrowed vehicles.

Our Methodology

Our methodology for reviewing car insurance providers includes a detailed analysis of several important factors. We assess the affordability of insurance by comparing average premiums across different profiles and coverage options. Customer satisfaction is evaluated through surveys and trusted reviews. Financial stability is measured using ratings from established agencies. We also examine coverage options, flexibility, and extra benefits that each insurer offers. Our recommendations are based on comprehensive insights, including information from other reliable insurance review sites.

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Quotes Analyzed

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Years Of Industry Experience

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Brands Reviewed

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Hours Of Research

Does Georgia Allow Non-Owner Car Insurance?

Non-owner car insurance is a legal option in Georgia for people without vehicles. It provides essential liability coverage for rented or borrowed cars, meeting the state’s insurance requirements.

What Is Non-Owner Car Insurance

Non-owner auto insurance is designed for people who use cars but don’t own one. It provides liability coverage for accidents where you are at fault, protecting against claims for injury or property damage to others. It’s great for car-sharing users, renters, and borrowers, but it won’t cover personal injuries or vehicle damage.

Feature Non-Owner Car Insurance Full Coverage Policy
Purpose Liability protection for non-vehicle owners Comprehensive protection for vehicle owners
Covers Bodily injury and property damage to others Liability, collision, and comprehensive coverage
Excludes Damage to the vehicle driven, personal injuries Typically covers damage to your own vehicle and self
Cost Lower premiums Higher premiums due to extensive coverage
Ideal For Drivers without a personal vehicle Vehicle owners seeking comprehensive protection
Flexibility Generally not customizable Customizable options for broader protection

What Is SR-22 Insurance?

An SR-22 is a certificate that verifies a high-risk driver has the minimum liability insurance required by the state. It’s often needed after major offenses like DUIs, reckless driving, or repeated violations. The SR-22 is filed by the driver’s insurance provider with the state’s motor vehicle agency. While it’s not technically insurance, drivers with an SR-22 usually face higher premiums because insurers consider them higher risk. The SR-22 requirement typically lasts for a fixed period, usually three years.

Cheapest Overall Non-Owner Car Insurance In Georgia

Auto-Owners  non-owner car insurance in Georgia is the cheapest, with an average yearly premium of $286.

Company Cheapest Annual Rate Cheapest Monthly Rate
Auto-Owners $286 $24
State  Farm $718 $60
GEICO $409 $34
Nationwide $718 $60
Progressive $378 $32

Cheapest Non-Owner Car Insurance With A Clean Driving Record

In Georgia, non-owner car insurance from Auto-Owners is the least expensive option for drivers with a clean history, costing $286 per year on average.

Company Annual Rate Monthly Rate
Auto-Owners $286 $24
State  Farm $718 $60
GEICO $409 $34
Nationwide $718 $60
Progressive $378 $32

Average Cost Of Non Owner Car Insurance In Georgia

If you tend to rent or borrow cars frequently in Georgia, knowing the typical cost of non-owner car insurance is essential. This form of coverage provides necessary liability protection without the added cost of a full policy, making it a great option. Below, we offer a comparison of the average annual and monthly premiums from various insurance providers to help you make an informed choice.

Provider Annual Rate Monthly Rate
Geico $513 $43
Travelers $652 $55
GAINSCO $750 $63
Assurance America $598 $50
National General $781 $65

Cheapest Non-Owner SR-22 Car Insurance In Georgia

Drivers requiring non-owner SR-22 insurance in Georgia will find Auto-Owners rates the lowest, averaging $541 per year.

Company Annual Rate Monthly Rate
Progressive $1,057 $88
Auto-Owners $541 $45
Farmers $926 $77
GEICO $618 $52
State Farm $598 $50

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

When it comes to non-owner car insurance in Georgia, age is a major factor in pricing. Younger drivers typically face higher premiums because they are seen as more likely to cause accidents due to inexperience. Older drivers, in contrast, usually receive lower rates since they are perceived as safer drivers. For instance, a 20-year-old might pay around $648 a year, while a 50-year-old could pay $305 or less. Below is a table illustrating how premiums vary by age.

Age Annual Rate
16 $1,335
17 $1,190
18 $1,052
19 $766
20 $648
21 $535
22 $499
23 $450
24 $430
25 $369
30 $332
35 $318
40 $307
45 $304
50 $305
55 $294
60 $296
65 $310
70 $344
75 $400

Average Cost Of Non Owner Car Insurance In Georgia Cities

The cost of non-owner car insurance in Georgia depends significantly on where you live. Insurance providers consider elements like traffic congestion, crime rates, and local regulations when calculating premiums. Larger cities such as Atlanta usually have higher premiums because of the risks related to heavy traffic and crime, while smaller towns generally have lower rates. Below is a comparison of average rates in five Georgia cities.

City Sample Average Annual Rate
Augusta $340
Columbus $326
Athens $306
Atlanta $438
Johns Creek $435

Average Rates Vs Traditional Car Insurance

To make the best financial decisions, understanding the difference between non-owner car insurance and traditional car insurance is essential. Non-owner car insurance is for drivers who don’t own a car but drive frequently. It covers liability for injuries and damage caused to others, which usually makes it more affordable. Traditional car insurance, by contrast, includes protection for the car itself, including comprehensive and collision coverage, which results in higher premiums. Below is a comparison of average rates from five different insurance providers.

Company Non-Owner Annual Rate Traditional Annual Rate
Progressive $500 $1,200
USAA $530 $1,350
State Farm $550 $1,400
Geico $570 $1,450
Allstate $600 $1,500

Average Non-Owner Car Insurance Rates vs Other US States

State Annual Rate
Alabama $450
Alaska $480
Arizona $500
Arkansas $460
California $600
Colorado $520
Connecticut $550
Florida $650
Georgia $500
Illinois $470
Indiana $440
Kentucky $480
Louisiana $630
Michigan $680
New Mexico $490
North Carolina $430
Ohio $420
Pennsylvania $540
Texas $530
Washington $510

Should You Get Non-Owner Car Insurance In Georgia?

Non-owner car insurance is useful for individuals who don’t own a car but still need coverage for liability. Here are the types of people who should consider this coverage:

  • Renters: If you often rent cars, non-owner car insurance is a smart choice. It offers consistent liability coverage that’s often more affordable and comprehensive than what rental companies provide.
  • Car Borrowers: If you borrow cars from friends or family, this insurance ensures you’re covered if you cause an accident while driving their vehicle, without relying on the car owner’s policy.
  • License Reinstatement: After a suspension or revocation (like from a DUI), non-owner car insurance is often required as part of the process to get your license reinstated. It also often requires filing an SR-22 to prove financial responsibility.
  • Infrequent Drivers: If you don’t drive much but want to avoid coverage gaps, non-owner insurance is a good option. It keeps your coverage continuous and prevents future premium hikes.
  • Drivers Between Cars: If you’re between vehicles, non-owner car insurance can fill the gap with liability coverage until you get another car, maintaining your good insurance history.

Georgia Minimum Auto Insurance Requirements

Drivers in Georgia must have the following minimum insurance coverage: $25,000 for bodily injury per individual, $50,000 per accident, and $25,000 for property damage. They must also carry $25,000 per person and $50,000 per accident in uninsured motorist coverage.

How To Get Non-Owner Car Insurance In Georgia

To secure non-owner car insurance in Georgia, here’s a step-by-step guide:

Understand Your Needs

Decide why you need non-owner car insurance. Whether for meeting legal requirements, reinstating your license, or covering liability when renting or borrowing cars, your needs will dictate your policy.

1

Prepare Your Information

Gather your driver’s license number, driving history, and any other required documents like an SR-22, if needed.

2

Research Insurance Providers

Look for insurance companies that offer non-owner car insurance. Compare the providers’ rates, policies, and customer feedback.

3

Get Quotes

Request quotes from different insurers, ensuring you provide complete and accurate information about your driving history. Compare rates, coverage, and deductibles.

4

Choose a Plan

Select the policy that best fits your needs and budget. Be sure the liability coverage meets Georgia’s minimum requirements.

5

Apply for the Insurance

Submit your application online, by phone, or in person. Ensure you provide all the required information and documentation.

6

Review the Policy

Before finalizing your purchase, carefully review the terms and conditions of the policy, including coverage limits and exclusions.

7

Pay the Premium

Make your premium payment to activate your coverage. Choose the payment plan that works best for you.

8

Keep Your Policy Active

Stay current on your payments to keep your policy active. If an SR-22 is needed, confirm the insurance company has filed it with the state.

9

FAQs

Does New York require non-owner insurance?

New York does not have a requirement for non-owner car insurance, but it is available for those who need liability protection, such as people who are reinstating their license or borrowing a car.

How do you insure a car you don’t own?

Non-owner car insurance provides coverage for cars you don’t own, offering liability protection when you drive rented or borrowed vehicles. It can also meet state insurance requirements if necessary.

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