Non-Owner Car Insurance in Georgia: The Cheapest Options and What You Need to Know

Non-owner car insurance in Georgia costs an average of $817 per year, with the most affordable rates offered by GEICO at around $285 per year. Rates differ based on your insurance provider and other factors. Learn more with MoneyGeek’s guide to non-owner liability car insurance in Georgia.

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Last Updated: 8/15/2022

Getting non-owner liability car insurance in Georgia is best for those who don’t own a vehicle but frequently rent cars or use car-sharing services. It’s also an affordable alternative for those who need proof of insurance to reinstate their license.

In Georgia, the average cost of non-owner car insurance is $817 per year. But, if you have a DUI, this can go up to an average of $1,107 per year.

To help determine if this coverage is a suitable option for you, MoneyGeek analyzed rates from various providers and explains who should and shouldn’t get a non-owner car insurance policy in Georgia.

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Cheapest Non-Owner Car Insurance Companies in Georgia

Compared to traditional policies, non-owner car insurance is a more affordable alternative that can be made even cheaper by comparing quotes and shopping around.

For instance, MoneyGeek found that, on average, the cheapest non-owner car insurance policies in Georgia are offered by:

  • GEICO: $285 per year
  • State Farm: $572 per year

USAA is the second most affordable option, with policies averaging $296 per year. However, their services are only available for military families.

Conversely, Nationwide offers the most expensive non-owner policies at an average of $1,905 per year.

The rates mentioned are for a 40-year-old driver with a non-owner car insurance policy in Georgia following the limits stated in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Georgia

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $285
    $24
  • USAA
    $296
    $25
  • State Farm
    $572
    $48
  • Progressive
    $1,029
    $86
  • Nationwide
    $1,905
    $159
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How Much Is Non-Owner Car Insurance in Georgia?

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The average rate across insurers for non-owner car insurance in Georgia is $817 per year, which is $269 cheaper than the average traditional auto insurance policy. However, having a serious driving violation such as a DUI can significantly affect the rates for both types of policies. For instance, non-owner car insurance in Georgia with a DUI costs an average of $1,107 per year, while a traditional policy with the same violation would cost $1,959 per year.

Cheapest SR-22 Non-Owner Car Insurance Companies in Georgia

If you don’t own a car, but you need to file an SR-22 to get your license reinstated, a non-owner car insurance policy may be the most affordable option for you. You may need to file an SR-22 in Georgia if you commit a serious driving violation, such as a DUI.

MoneyGeek found that, on average, the cheapest and most widely available non-owner SR-22 car insurance providers if you have a DUI are:

  • State Farm: $572 per year
  • GEICO: $1,043 per year

USAA has the most competitive rates in the state at $530 per year on average, but their policies are only available for active military members, veterans and their families.

Nationwide has the most expensive rates in Georgia for drivers with a DUI at $1,905 per year.

Cheapest SR-22 Non-Owner Car Insurance Companies in Georgia

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  • Company
    Annual Premium
    Monthly Premium
  • USAA
    $530
    $44
  • State Farm
    $572
    $48
  • GEICO
    $1,043
    $87
  • Progressive
    $1,484
    $124
  • Nationwide
    $1,905
    $159
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What Is Non-Owner Car Insurance in Georgia?

Non-owner car insurance, also known as non-owner liability insurance, is a policy offered to drivers who don’t own a car but still want protection when they’re on the road. It typically includes the minimum liability insurance and other coverages required by the state. Drivers can also add uninsured or underinsured motorist coverage. However, non-owner car insurance does not include comprehensive and collision insurance, also known as full coverage insurance.

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All non-owner car insurance policies are required to meet the minimum coverage requirements in Georgia, which include:

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

Who Should Get Non-Owner Car Insurance in Georgia?

If you live in Georgia, non-owner car insurance is a good option for you if:

  • You need insurance to reinstate your license: If you have been caught without proof of insurance multiple times, you’ll be required to maintain an SR-22 in Georgia for three years. Purchasing non-owner car insurance is a cheaper alternative, especially if you don’t own a car.
  • You often rent cars or use car-sharing services: If you frequently rent cars or use car-sharing services, paying the annual premium of a non-owner car insurance policy is a more affordable option than continuously buying rental car insurance.
  • You temporarily don’t have a car and want to avoid a lapse in coverage: If you currently don’t have a car, non-owner car insurance is an affordable way to maintain your policy and avoid a lapse in coverage.

Who Shouldn’t Get Non-Owner Car Insurance in Georgia?

Non-owner car insurance is not suitable for every circumstance. For instance, drivers in Atlanta who frequently borrow cars from friends or loved ones don’t need to purchase non-owner car insurance, as the car owner’s policy will cover them automatically if they have permission to drive the owner’s vehicle.

It’s also not a suitable option if you only rent cars once or twice a year, because getting a rental car insurance policy is sufficient.

How to Get Non-Owner Car Insurance in Georgia

MoneyGeek confirmed that all the companies listed on this page offer non-owner car insurance quotes. However, if you want to purchase non-owner car insurance in Georgia, you cannot request a quote online. Instead, you must call the company. You can use the contact information given below to get in touch with an insurance provider.

Contact Non-Owner Car Insurance Companies in Georgia
  • Company
    Contact Number
  • GEICO
    800-207-7847
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • Progressive
    888-671-4405
  • Nationwide
    877-669-6877

Frequently Asked Questions About Georgia Non-Owner Car Insurance

While non-owner car insurance policies and traditional policies have some similarities, it’s important to keep in mind that they are two different types of insurance. To help clear up any confusion, here are answers to a few of the most frequently asked questions about non-owner car insurance in Georgia.

Methodology

MoneyGeek collected non-owner car insurance quotes across Georgia in collaboration with Quadrant Information Services. Rates of policies gathered were based on a sample profile of a 40-year old driver with both a safe driving record and a DUI. All policies meet Georgia’s minimum requirements for auto insurance, except for liability insurance policies, which include the following coverages:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

Rates collected for traditional auto insurance policies also followed the same liability coverage limits.

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