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

Cheapest non-owner car insurance companies in Georgia

Auto-Owners is the cheapest non-owner car insurance in Georgia, with rates averaging $70. The second most affordable option in Georgia is GEICO, with an average rate of $147.

The table below shows the most affordable non-owner car insurance companies in Georgia.

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

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Best non-owner car insurance in Georgia

Although Auto-Owners came out on top, GEICO and State Farm are also excellent choices for providing non-owner coverage.

To find the best non-owner car insurance companies in Georgia, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners.

The table below compares 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

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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.

Auto-Owners

Auto-Owners is our top choice for non-owner car insurance in Georgia. Its average annual non-owner car insurance cost is $70. Auto-Owners has an AM Best score of A++ and a low NAIC complaint ratio of 0.5.

GEICO

GEICO is another great option for non-owner car insurance in Georgia, with average rates of $147 per year. It has an AM Best rating of A++ and 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

Non-owners car insurance in Georgia costs $312. However, the rates may differ based on factors such as your driving record, age and coverage level.

Non-owner car insurance in Georgia by age and gender

Your age and gender can impact your rates, whether you're shopping for non-owner or standard car insurance in Georgia.

Age plays an important role in calculating car insurance rates. Younger drivers have less experience and are more likely to have accidents, so insurance companies charge higher rates to cover the risk.

Gender is another factor that affects car insurance rates in most states. Men are often considered higher-risk drivers and tend to have more accidents, resulting in higher premiums.

Here are the average Georgia non-owner car insurance rates by 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

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Non-owner vs. traditional car insurance

Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.

For example, non-owner car insurance in Georgia doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.

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 compares average annual rates for non-owner and owner car insurance.

Non-owners state minimum policy	$312
Traditional state minimum policy	$577
State minimum car insurance limits	25/50/25

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What does Georgia non-owner car insurance cover?

A Georgia non-owner car insurance policy only provides the legally required coverage to be on the road. It includes all Georgia minimum car insurance requirements. It doesn't cover any damage to the vehicle itself.

Non-owner car insurance is secondary, which means it will only apply after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Georgia

Georgia drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.

Non-owners car insurance averages $312 in Georgia, and Auto-Owners offers the lowest rates. In our analysis, Auto-Owners was the top pick overall. Remember that your age, gender, and driving record significantly impact 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

Insurance.com analyzed non-owner car insurance companies in 2023 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled 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 were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.