Cheapest Non-Owner Car Insurance In Georgia 2024
Non-owner car insurance in Georgia is most affordable with Auto-Owners, averaging $286 annually.
We’ve saved shoppers an average of $600 per year on their car insurance.
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.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
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.
Prepare Your Information
Gather your driver’s license number, driving history, and any other required documents like an SR-22, if needed.
Research Insurance Providers
Look for insurance companies that offer non-owner car insurance. Compare the providers’ rates, policies, and customer feedback.
Get Quotes
Request quotes from different insurers, ensuring you provide complete and accurate information about your driving history. Compare rates, coverage, and deductibles.
Choose a Plan
Select the policy that best fits your needs and budget. Be sure the liability coverage meets Georgia’s minimum requirements.
Apply for the Insurance
Submit your application online, by phone, or in person. Ensure you provide all the required information and documentation.
Review the Policy
Before finalizing your purchase, carefully review the terms and conditions of the policy, including coverage limits and exclusions.
Pay the Premium
Make your premium payment to activate your coverage. Choose the payment plan that works best for you.
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.
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.