Non-owner car insurance in Georgia: Best and cheapest companies

Which companies offer the cheapest non-owner car insurance in Georgia?

The cheapest non-owner car insurance company in Georgia is Auto-Owners, with average annual rates of $125, followed by GEICO at $180. These insurers consistently offer the lowest liability-only premiums for drivers who don't own a vehicle.

Compare the cheapest non-owner car insurance companies in Georgia below.

Company	Average annual premium	Average monthly premium
Auto-Owners	$125	$10
GEICO	$180	$15
Progressive	$785	$65
Mercury Insurance	$1,211	$101
USAA	$250	$21

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Best non-owner car insurance in Georgia

GEICO is the best non-owner car insurance company in Georgia based on cost, customer complaints and financial strength ratings. Auto-Owners and Progressive are also strong choices for drivers looking for affordable liability 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	A.M Best	Overall score
GEICO	$180	670	0.60	A++	4.82
Auto-Owners	$125	654	0.44	A+	4.76
Progressive	$785	645	0.60	A+	3.93
Mercury Insurance	$1,211	594	1.07	A	2.58
USAA	$250	749	1.16	A++	4.38

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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

GEICO

Our number one pick for non-owner car insurance in Georgia is GEICO. The average rate for liability coverage is $180. GEICO has an AM Best score of A++ and an NAIC complaint ratio of 0.60.

Auto-Owners

Another excellent choice for non-owner car insurance in Georgia is Auto-Owners. Average rates are $125 annually. Auto-Owners has an AM Best rating of A+ and an NAIC complaint ratio of 0.44.

Progressive

Our third pick is Progressive. Progressive rates average $785. Its NAIC complaint ratio is 0.60, 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 $510 per year. Rates depend on several factors, including your driving record, age, ZIP code, and coverage limits. Drivers with clean records and continuous insurance coverage generally pay lower premiums than drivers with accidents, violations or insurance lapses.

The average cost of non-owner car insurance will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

How do age and gender affect non-owner car insurance rates in Georgia?

Age and gender significantly impact non-owner car insurance rates in Georgia, with younger drivers paying the highest premiums and drivers in their 50s typically receiving the lowest rates. Pricing trends reflect driving experience and statistical risk patterns.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Below are the average non-owner car insurance rates in Georgia by age and gender.

Age group	Male	Female
Teens (16-19)	$2,437	$2,359
Young Adults (20-24)	$920	$843
Adults (25-60)	$518	$529
Seniors (65-75)	$595	$544

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Do you need non-owner car insurance in Georgia?

You may need non-owner car insurance in Georgia if you frequently borrow or rent cars, need to file an SR-22, or want to maintain continuous coverage. However, it's unnecessary if you already own a vehicle or only drive occasionally.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

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.

Additionally, since insurance companies expect that people without a car will drive less often and because non-owner car insurance serves as secondary coverage to the vehicle owner's policy, the overall 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 liability only	$510
Traditional state minimum policy	$860
State minimum car insurance limits	25/50/25

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What does Georgia non-owner car insurance cover?

Non-owner car insurance in Georgia covers liability claims when you cause an accident in a borrowed or rented vehicle and other state-required coverage. Liability coverage pays for injuries and property damage caused to others.

This coverage may include:

Bodily injury liability
Property damage liability

However, it does not cover:

Damage to the car you are driving
Theft or vandalism

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 who frequently rent or borrow vehicles may benefit from non-owner car insurance. This policy provides liability protection if you cause injuries or property damage to others. However, it does not cover your injuries or damage to the car you are driving.

Non-owners car insurance averages $510 in Georgia, and Auto-Owners offers the lowest rates. In our analysis, GEICO was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

Be sure to compare your options to find the best non-owner car insurance in Georgia. You can use the tool above to quickly and easily compare non-owner insurance providers in your area.

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++.

FAQ: Non-owner car insurance in Georgia

Do I need non-owner insurance to drive a friend's car in Georgia?

No. If you are driving the car with permission, your friend's insurance will cover you. However, non-owner car insurance adds an extra layer of protection in case your friend's limits are exceeded.

Can I use non-owner insurance for Uber or delivery driving in Georgia?

No. Non-owner car insurance is a personal car insurance policy that doesn't cover business use of any vehicle. The vehicle being used for ridesharing or deliveries must have the correct coverage.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.