Auto-Owners offers the cheapest non-owner car insurance in Georgia at just $22 monthly, lower than the state average of $39 for minimum coverage. The table below compares other affordable options.
Cheapest Non-Owner Car Insurance in Georgia
Updated: January 30, 2025
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Best Cheap Non-Owner Car Insurance in Georgia: Key Takeaways
Auto-Owners is the most affordable option for SR-22 non-owner car insurance in Georgia for those with a driving incident, with an average monthly cost of $31.
Non-owner insurance covers you when driving a vehicle that isn't yours, as long as you meet Georgia's minimum coverage requirements.
Non-owner insurance is ideal for drivers who often borrow cars, rent vehicles or need to reinstate their license but can't afford a traditional policy.
Cheapest Non-Owner Car Insurance in Georgia
| Auto-Owners | $266 | $22 |
| GEICO | $442 | $37 |
| Progressive | $588 | $49 |
| State Farm | $632 | $53 |
Cheapest Non-Owner SR-22 Car Insurance in Georgia
Auto-Owners has the most affordable SR-22 non-owner policy in Georgia, at just $31 a month, much less than the state average of $60 for minimum coverage. Explore the table below for other cost-effective options.
| Auto-Owners | $370 | $31 |
| GEICO | $653 | $54 |
| State Farm | $722 | $60 |
| Progressive | $1,116 | $93 |
How Much Is Non-Owner Car Insurance in Georgia?
In Georgia, non-owner car insurance costs an average of $39 per month, below the national average of $43. For SR-22 coverage, drivers pay an average of $60, above $48 nationally. Your premium may vary based on your driving history and other personal factors.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Georgia Average Cost
Monthly Premium
$39Non-owner car insurance in Georgia is cheap:$4 saved
This is 9% less expensive.
Georgia Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers determine if non-owner insurance is the right choice. It explains what it covers, how it differs from standard policies, costs and who benefits most.
What Is Non-Owner Car Insurance?
A non-owner insurance policy is for frequent drivers who don’t own a car. It covers costs if you cause an accident while driving someone else’s vehicle, offering similar protection to regular insurance. Below, we compare non-owner and standard policies to highlight their differences and benefits.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔ | ✔ | |
Medical payments | ✔ | ✔ |
Personal injury protection | ✔ | ✔ |
Uninsured/underinsured motorist | ✔ | ✔ |
✔ | ✔ | |
Collision | ✔ | |
Comprehensive | ✔ |
Does Georgia Allow Non-Owner Car Insurance?
Georgia allows non-owner car insurance for drivers who don’t own a car. Affordable non-owner policies are available if you need to file an SR-22.
GEORGIA MINIMUM INSURANCE REQUIREMENTS
Georgia's minimum coverage requirements are the same for non-owner car insurance. The minimum limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
While these are the minimums, consider whether they provide enough protection. Assess how much coverage you need, as minimum limits may not provide full financial protection after an accident.
Should You Get Non-Owner Car Insurance in Georgia?
Non-owner car insurance offers minimum coverage for those who drive but don't own a car. It's ideal for renting or using car-sharing services, covering costs if you're at fault in an accident. It’s more affordable than full coverage for owned vehicles. Consider how often you drive to determine if it's right for you.
AVOID ONE-DAY CAR INSURANCE
Exercise caution with providers claiming to offer "one-day insurance" in Georgia, as it doesn't exist officially and may signal fraud. For temporary coverage, relying on car rental companies is safer, especially for short-term needs like moving or road trips.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner car insurance covers damage or injuries you may cause while driving a borrowed vehicle, especially if the owner's policy doesn't cover additional drivers or has insufficient coverage.
Occasional renters
Non-owner car insurance offers financial protection when renting vehicles. It's often more affordable than repeatedly purchasing the rental company's insurance, particularly for frequent renters.
Drivers between cars
Drivers between car ownership periods should maintain non-owner insurance to avoid coverage lapses, which can raise premiums in the future.
License reinstatement-seekers
Drivers seeking to reinstate their license after a suspension may be required to show proof of insurance. Non-owner car insurance provides an affordable option for meeting this requirement without owning a vehicle.
WHAT IS SR-22 INSURANCE?
An SR-22, also called a Certificate of Financial Responsibility, is a form your insurance company files with the DMV to show you have the required minimum coverage. If you've had a DUI or been caught driving without insurance, you might need an SR-22 to drive again legally.
Cheap Non-Owner Car Insurance in Georgia: Bottom Line
Georgia offers non-owner car insurance, including for drivers needing SR-22 forms. Auto-Owners provides the most affordable option, with GEICO and Progressive offering competitive rates. Compare quotes from multiple providers to find the best deal.
Non-Owner Car Insurance in Georgia: FAQ
Get answers to frequently asked questions about non-owner car insurance in Georgia below.
Which company offers the cheapest non-owner car insurance in Georgia?
Auto-Owners offers the most affordable non-owner car insurance in Georgia at $22 monthly. It also provides the cheapest SR-22 insurance at $31.
How much does non-owners car insurance cost in Georgia?
In Georgia, the average annual cost of non-owner car insurance is $463 ($39 monthly). For those needing an SR-22, the average cost is $716 ($60 monthly).
Georgia Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Georgia auto insurance rates by collecting data from the Georgia Office of Insurance and Safety Fire Commissioner and Quadrant Information Services. We examined 240 car insurance quotes from five companies to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Georgia using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Drivers and Cars in Georgia
To find the best and most affordable companies for non-owner car insurance in Georgia, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.