- Cheapest non-owner car insurance companies in Georgia
- Best non-owner car insurance in Georgia
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Georgia
- Non-owner car insurance in Georgia by age and gender
- Non-owner vs. traditional car insurance
- What does Georgia non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Georgia
- Methodology
- Compare Georgia non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Georgia
The cheapest non-owner car insurer in Georgia is Auto-Owners, with rates averaging $70. The second cheapest Georgia non-owner insurer is GEICO. Average rates are $147.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Auto-Owners | $70 | $6 |
| GEICO | $147 | $12 |
| Central Insurance | $284 | $24 |
| State Farm | $320 | $27 |
| Mercury Insurance | $581 | $48 |
| Progressive | $581 | $48 |
| USAA | $216 | $18 |
Best non-owner car insurance in Georgia
Although Auto-Owners is the best overall choice, GEICO and State Farm are also excellent options for non-owner car insurance coverage.
To identify the best non-owner car insurance companies in Georgia, we considered several key factors, such as the number of customer complaints, financial strength, and average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. rates. Our analysis used rate data from Quadrant Information Services, along with third-party ratings from J.D. Power, AM Best, and the National Association of Insurance Commissioners (NAIC).
The table below provides a comparison of the top non-owner car insurance companies in Georgia.
| Company | Average annual premium | J.D. Power | NAIC | AM Best | Overall score |
|---|---|---|---|---|---|
| Auto-Owners | $70 | 859 | 0.50 | A++ | 3.94 |
| GEICO | $147 | 847 | 0.91 | A++ | 3.23 |
| State Farm | $320 | 807 | 0.70 | A++ | 3.09 |
| Progressive | $581 | 828 | 0.65 | A+ | 2.42 |
| Mercury Insurance | $581 | 794 | 0.84 | A | 1.90 |
Insurance.com's top choices for non-owner car insurance
Take a closer look at our top picks for non-owner car insurance in Georgia.
Auto-Owners
Our number one pick for non-owner car insurance in Georgia is Auto-Owners. The average rate for liability coverage is $70. Auto-Owners has an AM Best score of A++ and an NAIC complaint ratio of 0.5.
GEICO
GEICO is also a great choice for non-owner car insurance in Georgia, offering coverage at an average annual rate of $147. It has earned an AM Best rating of A++ and maintains a low NAIC complaint ratio of 0.91.
State Farm
Our third pick is State Farm. State Farm rates average $320. Its NAIC complaint ratio is 0.7, and it has a rating of A++.
PEOPLE ASK:
Do I need Georgia non-owner car insurance to drive a friend's car?
Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.
Average cost of non-owner car insurance in Georgia
The average cost of non-owner car insurance in Georgia is $312, but your rate may differ depending on your driving record, age and the coverage you choose.
Non-owner car insurance in Georgia by age and gender
Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Georgia.
Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.
Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.
Below are the average Georgia rates for non-owner car insurance based on age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $1,082 | $1,017 |
| Young Adults (20-24) | $510 | $476 |
| Adults (25-60) | $313 | $320 |
| Seniors (65-75) | $348 | $333 |
Non-owner vs. traditional car insurance
Non-owner car insurance usually costs less than standard car insurance because it provides minimal coverage. While non-owner policies only include liability coverage, standard car insurance can offer much broader protection.
For instance, non-owner car insurance in Georgia won't cover damage to the vehicle you're driving. In contrast, traditional car insurance can include collision and comprehensive coverage to help pay for vehicle repairs or replacements.
Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.
The table below shows a comparison of average yearly rates for non-owner and standard car insurance.
| Non-owners state minimum policy | $312 |
| Traditional state minimum policy | $577 |
| State minimum car insurance limits | 25/50/25 |
What does Georgia non-owner car insurance cover?
A Georgia non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Georgia, but it won't cover any damage to the vehicle you're driving.
Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.
The bottom line: Non-owner car insurance in Georgia
Drivers in Georgia may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or the car you're driving.
Non-owner car insurance in Georgia costs an average of $312, with Auto-Owners offering the lowest rates. Our analysis found that Auto-Owners is the best overall choice. Keep in mind that your age, gender and driving record play a significant role in determining your insurance rates.
Take the time to compare options to find the best non-owner car insurance in Georgia. Use the tool above to easily compare non-owner insurance providers near you.
Methodology
170+
insurance companies analyzed
34,000+
ZIP codes examined
$53M
insurance quotes analyzed
Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:
- A 40-year-old driver
- A clean record
- Good credit
- State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage
Best company rankings use the rate data outline above, as well as:
- Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
- Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
- AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.
Compare Georgia non-owners car insurance rates with other states
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