Cheapest and Best Non-Owner Car Insurance in Georgia (2024)

Non-owner car insurance is a type of auto insurance policy specifically tailored for a driver who does not own a car but may occasionally borrow or rent one. It’s also an excellent option for drivers with serious violations such as DUIs, as registering for non-owner car insurance can help reinstate your driver’s license.

Our analysis found that Auto-Owners offers Georgia’s cheapest non-owner auto insurance for drivers with clean records and is also the least expensive option for consumers needing to file an SR-22 after a serious traffic offense. When it comes to customer satisfaction, Auto-Owners combines quality service with affordability to make it the best overall non-owner car insurance provider in Georgia.

Auto-Owners is the most affordable company in Georgia for non-owners car insurance for drivers with clean records and drivers with at-fault accidents on their records.

• Drivers with clean records: Auto-Owners ($22 per month)
• Drivers with violations: Auto-Owners ($31 per month)

Insurance rates usually go up after an at-fault accident or other traffic violations. Auto-Owners charges drivers with violations $9 more per month for non-owner car insurance than drivers with clean records.

Auto-Owners and GEICO are the most affordable non-owner insurers in Georgia for drivers with clean histories.

• Auto-Owners: $22 per month
• GEICO: $37 per month

USAA is the second-cheapest non-owner insurer in Georgia, offering average monthly rates of $32. However, this provider only serves military members and their communities.

The average rate of the cheapest companies for non-owner car insurance in Georgia is $29 monthly, significantly lower than the national average of $43 per month. Georgia consumers save $14 a month for non-owners insurance compared to the rest of the country.

Auto-Owners and GEICO provide Georgia drivers with the cheapest non-owner car insurance policies for drivers with violations.

• Auto-Owners: $31 per month
• GEICO: $54 per month

At about $49 monthly, USAA offers one of the most affordable SR-22 insurance policies to Georgia’s military members and their families. If you have a driving offense on your record, such as a DUI or an at-fault accident, you may need to submit an SR-22. These offenses typically result in more expensive auto insurance. However, the state’s most affordable non-owner SR-22 car insurance rates average $43 monthly — $16 cheaper than the national average of $59 per month.

Companies offer non-owner car insurance for Georgia drivers who don't maintain primary ownership of a vehicle but still require financial security on the road. This policy provides basic protection in an accident while the insured person is driving someone else's car or a rental car. However, these policies typically don’t cover your own injuries or damage to the car you drove. The following table outlines the differences between non-owner car insurance and full coverage policy.

The average cost of non-owner car insurance in Georgia is $39 monthly. This rate is $4 less than the national average of $43 per month. Remember that the exact cost of non-owner car insurance in Georgia may vary depending on factors such as the driver’s age, driving record and the vehicle’s make and model. These variables generally make a greater impact on the cost of car insurance in Georgia than location does.

In Georgia, the following companies offer the best non-owner car insurance:

• Auto-Owners: MoneyGeek score 88 out of 100 ($22 per month)
• GEICO: MoneyGeek score 60 out of 100 ($37 per month)
• Progressive: MoneyGeek score 51 out of 100 ($49 per month)

MoneyGeek ranks the top car insurance companies by evaluating several factors, including customer satisfaction scores from J.D. Power, AM Best’s financial stability ratings and overall policy affordability. We reviewed the top three providers to help you determine your best non-owner car insurance policy in Georgia.

A non-owner car insurance policy may be helpful if you drive occasionally and don't own a car. These policies protect drivers who rent cars frequently, borrow cars from others or need their driver's license reinstated. Non-owner car insurance can alleviate the financial risks of accidents and other liabilities associated with occasional driving.

We answer some of your most commonly asked questions about non-owner auto insurance in Georgia to help you find the best policy for your needs.