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


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ByMark Fitzpatrick
Edited byCasie McCoskey
ByMark Fitzpatrick
Edited byCasie McCoskey

Updated: May 20, 2024

Advertising & Editorial Disclosure

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.

MoneyGeek Logo IconNon-OwnerCar InsuranceGeorgia
2024

Why Trust MoneyGeek? MoneyGeek sourced Georgia data from Quadrant Information Services and examined customer and claim satisfaction ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).

200Plans Analyzed
 
5Providers Compared

Cheapest Non-Owner Car Insurance 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.

Cheapest Non-Owner Car Insurance With a Clean Driving Record in Georgia

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 Insurance CoCheapest Annual Premium$266Cheapest Monthly Premium$22
GEICOCheapest Annual Premium$442Cheapest Monthly Premium$37
ProgressiveCheapest Annual Premium$588Cheapest Monthly Premium$49
State FarmCheapest Annual Premium$632Cheapest Monthly Premium$53
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GEORGIA MINIMUM INSURANCE REQUIREMENTS

In Georgia, non-owner car insurance must meet the same minimum coverage requirements as standard car insurance, including the following liability limits:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $25,000 in property damage liability per accident

While minimum coverage is typically the most affordable option for consumers, some drivers may need more comprehensive financial protection. We recommend evaluating your insurance needs before purchasing a premium.

Cheapest Non-Owner SR-22 Car Insurance in Georgia

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.

Auto-Owners Insurance CoCheapest Annual Premium$370Cheapest Monthly Premium$31
GEICOCheapest Annual Premium$653Cheapest Monthly Premium$54
State FarmCheapest Annual Premium$722Cheapest Monthly Premium$60
ProgressiveCheapest Annual Premium$1,116Cheapest Monthly Premium$93
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WHAT IS SR-22 INSURANCE?

An SR-22 certificate demonstrates that you have the legally mandated level of car insurance coverage your state requires. Georgia needs documentation of an SR-22 after a severe traffic violation, such as a DUI or at-fault accident. An SR-22 is not a type of insurance but a form that your insurer must file with Georgia’s Department of Driver Services.

What Is Non-Owner Car Insurance?

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.

Policy Coverage
Full Coverage
Non-Owner

Liability insurance

Medical payments

Personal injury protection

Uninsured/underinsured motorist

Rental car liability

Average Cost of Non-Owner Car Insurance in Georgia

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.

Non-Owner Car Insurance Cost Comparison: National vs. State

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National Average Cost

Monthly Premium

$43
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Georgia Average Cost

Monthly Premium

$39
On average, non-owner car insurance in Georgia is:$4 saved

This is 9% less expensive.

Best Non-Owner Car Insurance in Georgia

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.

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MoneyGeek Top Pick
Auto-Owners

Auto-Owners is Georgia’s best overall non-owner car insurance provider due to its stellar complaint index score, indicating its history of excellent customer service. The company earned an impressive rating from J.D. Power's auto claims customer satisfaction survey. Moreover, Auto-Owners provides many discounts that can reduce your premiums, such as bundling, multiple cars, good student, safe driving, anti-theft system, pay in full, paperless and airbag discounts. The company also offers add-on products like roadside assistance, rental car and/or travel reimbursement, new car replacement and gap insurance.

Read the full Auto-Owners car insurance review.

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Runner-Up
GEICO

GEICO is the second-best non-owner car insurance in Georgia. Its high rankings for affordability, stability and discounts, with its above-average customer satisfaction rating, make it a preferred choice for drivers. With GEICO, you can access coverage for roadside assistance, rental car reimbursement and accident forgiveness. It also offers unique discounts if you follow safety guidelines, such as buckling up, installing anti-lock brakes and turning on daytime running lights. Additionally, GEICO provides discounts for members of the military, federal employees and those currently deployed in emergency settings.

Read the full GEICO car insurance review.

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Third Place
Progressive

Progressive offers generous discounts and has commendable scores in our customer complaints and financial stability categories. Progressive’s discounts can help reduce the cost of your auto policy. Typical deals from the company include discounts for multiple cars, good students, bundling, safe driving, paying in full and choosing paperless billing. It also provides unique discounts, such as the continuously insured discount, which incentivizes drivers with no lapses in coverage, and the internet discount, giving customers who obtain a quote online a better rate. The internet and sign-up deals make Progressive an excellent choice for young drivers.

Read the full Progressive car insurance review.

Should You Get Non-Owner Car Insurance 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.

Who Should Consider Non-Owner Car Insurance?

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    Car borrowers

    Drivers who borrow cars from a friend or family member may benefit from obtaining a non-owner car insurance policy. It ensures liability coverage if the driver gets into an accident while driving a borrowed vehicle. These policies give the driver peace of mind that they have a source of financial protection if an incident occurs.

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    Occasional renters

    A non-owner car insurance policy can be a helpful safety net for drivers who rent cars occasionally. It provides coverage in case something happens during the rental period. It also takes the burden off the renter to purchase more expensive insurance through the rental company.

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    Drivers between cars

    Non-owner car insurance can be an ideal option for short-term coverage for drivers purchasing or leasing a vehicle. It offers protection during the gap period between vehicles and allows drivers to maintain their coverage and not miss a beat. Having an uninterrupted period of coverage results in lower premiums from insurers.

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    License reinstatement seekers

    A non-owner car insurance policy can help expedite the reinstatement process for people with suspended driver’s licenses. Certain states require proof of coverage to reinstate a driver’s license after a severe traffic violation. Evidence of a non-owner car insurance policy can speed up reinstatement and get the driver back on the road sooner.

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ONE-DAY CAR INSURANCE

Be careful of providers offering “one-day insurance” in Georgia, as this is not a real insurance product and could be a scam. If you need temporary car insurance for a move or road trip, it’s better to buy rental car insurance directly from the car rental company. Doing so will ensure that you have coverage and won’t become a victim of fraud.

Frequently Asked Questions About Non-Owner Car Insurance in Georgia

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.

Which company offers the cheapest non-owner car insurance in Georgia?
Which companies offer non-owner car insurance with the best mix of quality and affordability in Georgia?
How much does non-owner car insurance cost in Georgia?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.