Cheapest Non-Owner Car Insurance In Georgia 2024

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.

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.

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.

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.

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.

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.

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.

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.

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 auto insurance providers to help you make an informed choice.

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.

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.

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.

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.

Average Non-Owner Car Insurance Rates vs Other US States