Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
Non-owner car insurance generally costs less than standard car insurance because it doesn’t cover the vehicle you’re driving. However, insurance rates vary based on your age, driving history and location.
- Non-owner car insurance costs an average of $26 a month in Georgia for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $312 per year—lower than liability-only coverage of $789 for Georgia drivers.
- Auto-Owners offers the cheapest non-owner car insurance rates in Georgia at an average cost of $6 per month.
Do I need non-owner car insurance in Georgia?
Non-owner car insurance in Georgia is important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
Non-owner car insurance often benefits people who frequently rent cars for personal or business use. Instead of opting for expensive coverage through the rental company, you can consider getting non-owner insurance that offers the same level of protection at a more affordable rate.
Furthermore, maintaining continuous insurance coverage, including non-owner insurance when you’re between cars, can help keep your insurance rates low in the future. It can protect you if you’re involved in an accident and are found to be at fault. However, it doesn’t provide coverage for the vehicle you’re driving.
Average non-owner car insurance cost in Georgia
Non-owner car insurance costs an average of $26 a month and $312 per year in Georgia for the coverage limit of 25/50/25.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Georgia
CarInsurance.com’s analysis shows that Auto-Owners offers the most affordable non-owner car insurance rates in Georgia, at $6 per month. Other insurers like Geico and Central Insurance also offer affordable premiums.
Your non-owner auto insurance rate may vary based on your driving history, ZIP code and coverage limits. Comparing quotes from multiple insurers can help you find the best insurance policy at affordable rates.
See the cheapest companies for non-owner car insurance in Georgia in the table below.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| 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 |
Note: *USAA is only available to military community members and their families.
Non-owner car insurance in Georgia, by age and gender
Non-owner car insurance costs in Georgia vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $1,331 monthly, whereas if you add a 16-year-old female, you’ll pay $1,264 per month, based on CarInsurance.com’s analysis.
Both male and female teen drivers usually pay higher insurance premiums because they are considered higher risk due to their inexperience. As drivers age and gain more experience, they generally see a decrease in their insurance costs in Georgia.
See how much you’ll pay for non-owner car insurance by age and gender in the table below.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $1,082 | $1,017 |
| Young Adults (20-24) | $510 | $476 |
| Adults (25-60) | $313 | $320 |
| Seniors (65-75) | $348 | $333 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Georgia cities
In Athens the average cost of non-owner auto insurance is $25 per month or $304 per year, and Columbus drivers pay $27 a month for the same coverage.
In Georgia, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
The cost of living also determines the premiums. In areas with higher costs of living in Georgia, you can expect to pay more for non-owner insurance.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Athens | $304 | $25 |
| Columbus | $324 | $27 |
| Augusta | $338 | $28 |
| Savannah | $378 | $32 |
| Sandy Springs | $404 | $34 |
| Macon | $405 | $34 |
| Roswell | $416 | $35 |
| Johns Creek | $433 | $36 |
| Atlanta | $436 | $36 |
Affordable non-owner insurance in Georgia, by ZIP code
A Georgia driver aged 40 living in ZIP code 31783 pays $225 annually or $19 monthly for non-owner car insurance, while a 40-year-old in ZIP code 39813 with a clean driving record pays $226 per year or $19 per month.
When should you consider buying non-owner car insurance in Georgia?
Non-owner car insurance is designed for individuals who do not own a vehicle but still need coverage for the times they drive a car that is not their own. This type of insurance typically provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle.
In addition to covering accidents, non-owner car insurance can help fill in gaps, offering extra protection on top of the car owner’s existing policy. It gives the car owner peace of mind, knowing their insurance rates won’t increase because of an accident caused by someone else.
For instance, if you’re driving a friend’s car and their insurance only includes minimum liability coverage, your non-owner policy can help cover any extra costs if the accident exceeds their policy’s limits.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in higher premiums.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
Final thoughts on non-owner car insurance in Georgia
Non-owner car insurance is a good option in Georgia to get auto insurance liability coverage if you rent or borrow vehicles occasionally, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance provides valuable liability protection for individuals who regularly rent or borrow cars while behind the wheel. It can also work alongside the car owner’s coverage to offer additional protection.
It is also beneficial for maintaining continuous insurance coverage, which can help keep your rates low in the future. Consider a non-owner car insurance policy if you frequently use vehicles that do not belong to you, and get quotes from three different companies to ensure you’re getting the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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