Non-owner car insurance is perfect for those who drive occasionally but don’t own a car. It provides liability coverage, ensuring that any damages or injuries you cause to others while driving someone else’s car are covered. With this insurance, you can drive knowing you’re financially protected.
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.
Carinsurance.com Insights
- 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 crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
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 $26 a month or $312 per year in Georgia for coverage limits of 25/50/25.
This rate can vary depending on factors such as your driving history, age, location and the insurance company.
Cheapest non-owner car insurance companies in Georgia
Auto-Owners offers the cheapest non-owner car insurance rates in Georgia at an average cost of $6 per month, based on CarInsurance.com’s analysis. Other than Auto-Owners, Geico and Central Insurance also have cheap non-owner insurance premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
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 |
Non-owner car insurance in Georgia, by age and gender
Non-owner car insurance costs in Georgia can vary by age and gender. When you add a male teen driver to your car insurance, your premiums could go up by $1,331 a month, while adding a 16-year-old female might increase your monthly cost by $1,264.
Young drivers, regardless of gender, generally face higher insurance premiums. Their lack of experience makes them more prone to accidents, raising the risk for insurers. As drivers get older and gain more driving experience, their insurance rates typically decrease in Georgia.
The table below shows how non-owner car insurance rates vary by age and gender in Georgia.
| 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 non-owner auto insurance costs $25 per month or $304 annually, while drivers in Columbus pay $27 monthly for the same coverage.
Car insurance premiums in Georgia vary by city, with insurers adjusting non-owner car insurance rates based on factors such as the frequency of accidents, theft and vandalism in the area.
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 40-year-old Georgia driver living in ZIP 31783 pays $225 a year or $19 per month for non-owner car insurance, whereas insurance rates in the ZIP code 39813 is $226 a year or $19 per month for a driver age with a clean driving record.
When should you consider buying non-owner car insurance in Georgia?
Non-owner car insurance provides coverage for drivers who don’t own a car but still need insurance while driving someone else’s vehicle. This insurance primarily covers liability, helping you pay for any damages or injuries you may cause to others in the event of an accident.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
For example, if you’re driving a friend’s vehicle with only basic liability coverage, your non-owner insurance can help cover the extra costs if the damages exceed their policy’s coverage limits.
Keeping continuous insurance coverage is key to securing lower rates in the future. This includes having non-owner car insurance when you don’t own a vehicle. Insurance companies often see gaps in coverage as a sign of high risk, which could lead to 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 an excellent choice in Georgia if you occasionally rent or borrow vehicles, use a car-sharing service or need to file an SR-22 form.
Non-owner car insurance is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
Non-owner car insurance is a smart way to maintain continuous coverage, helping you secure lower rates in the future. If you drive cars that aren’t your own regularly, be sure to get quotes from different companies to find 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. USAA also made it to the list, but it provides services only to current and former military members and their families.
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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