Car Insurance Non-owner car insurance in Georgia: Which company has the cheapest rates? Residents pay an average of $373 for non-owner car insurance, but Auto-Owners and Geico offer lower rates. Written by: Leslie Kasperowicz | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Posted on March 3, 2023 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain our editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner car insurance in Georgia costs $373 a year, which is $7 lower than the rest of the country on average, according to a 2023 rate analysis by Insure.com. Many companies offer these policies in Georgia, such as USAA, State Farm and Progressive. Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else. “Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage. In addition to understanding the various requirements, it’s important to learn what non-owner insurance is, which companies offer it and how much it costs in Georgia. How much does non-owner auto insurance cost in Georgia? Non-owner insurance is usually less expensive than regular car insurance—insurance companies consider non-owner policyholders as less of a risk because they have limited access to a vehicle. On average in the U.S., it costs for drivers with a good credit score and a clean driving record $1,682 a year for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. It costs $1,555 in Georgia. Alternatively, non-owner car insurance is $380 on average in the United States and $373 in Georgia. But several factors affect individual rates, such as which insurer you buy from, your age and driving history and also where in Georgia you live. Which insurer offers the cheapest non-owner insurance rates in Georgia? With an average annual cost of $60, Auto-Owners’ non-owner insurance policy is Georgia’s most affordable. At $962, Nationwide charges the highest rate for non-owner insurance in the state. You should compare quotes from multiple insurers in order to find the best price. The cheapest non-owner policies available in Georgia are listed below. Cheapest non-owner insurance rates in Georgia CompanyAverage annual premiumAuto-Owners$60Geico$108USAA$163State Farm$265Progressive$523 Note that USAA only offers coverage to military members, veterans and their families. How much is non-owner car insurance in Georgia by age? Age is also an important factor when it comes to pricing. Statistically, young drivers are a higher risk because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Georgia, a 45-year-old will pay $373 annually on average for a non-owner insurance policy compared to a 16-year-old driver who will pay $1,324 on average. Average non-owner auto insurance rates in Georgia by age and gender AgeMaleFemale16$1,393$1,25517$1,335$1,19818$1,140$1,01119$817$72620$696$64021$610$54722$553$51123$488$45924$456$43425$418$42430$388$39335$375$39340$373$38145$369$37750$363$36155$357$36160$362$36265$376$37170$406$38875$474$413 Which Georgia cities have the cheapest non-owner car insurance? From city to city, there’s a lot of variation in rates. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism within an area. Below are tables showing which cities in Georgia have the lowest and highest non-owner car insurance rates. The 20 Georgia cities with the lowest non-owner auto insurance rates Cities in Georgia Lowest non-owner car insurance ratesAdel$262Quitman$264Barney$265Chula$267Colquitt$267Fitzgerald$267Camilla$268Pelham$268Whigham$268Rebecca$269Climax$270Morven$270Attapulgus$271Bainbridge$271Hahira$271Hartwell$271Omega$271Dewy Rose$273Nashville$273Rochelle$273 The 20 Georgia cities with the highest non-owner car insurance rates Cities in Georgia Highest non-owner car insurance ratesClarkston$705Candler-McAfee$685Redan$661Pine Lake$650Stone Mountain$636Scottdale$632Lithonia$631Decatur$626East Point$617College Park$615Ellenwood$587Riverdale$583Forest Park$581Avondale Estates$578Red Oak$578Tucker$577Conley$568Porterdale$559Jonesboro$558Austell$551 How much is non-owner auto insurance in Georgia’s 10 biggest cities? The largest cities in Georgia can have significantly different non-owner insurance rates. The non-owner insurance cost in Atlanta is the highest at $542, whereas Athens has the least expensive rates among the state’s most populous cities at $359. Non-owner auto rates in Georgia’s 10 largest cities 10 largest cities in GeorgiaNon-owner car ratesAtlanta$542Johns Creek$524Roswell$466Sandy Springs$458Savannah$435Alpharetta$431Warner Robins$417Columbus$380Augusta$377Athens$359 How non-owner insurance rates in Georgia compare to rates in other states From state to state, the rates for non-owner auto insurance can also vary. Georgia’s average non-owner insurance rate is $373; lower than the $380 average nationally. At $170 per year, South Dakota is the cheapest, followed by Idaho at an average of $190 per year. After that it’s Iowa at $193 annually. Non-owner auto insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385National Average$380Georgia$373Pennsylvania$337California$323Ohio$230 How to get non-owner car insurance in Georgia Your driver’s license number and a credit or debit card are all you need to get a non-owner insurance policy. To purchase a policy, follow these steps: Contact a car insurance agent about the coverage Supply your basic driving history Review the information you receive on the insurers and rates Choose the policy that best meets your needs Put down a payment to begin coverage In many cases, you’ll get proof of insurance almost immediately. For a non-owner car insurance policy quote, you must call your insurer instead of visiting their website. “Before you buy, phone several insurers and request free car insurance quotes to make sure you pay the lowest price,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company. Here are a few insurers with their phone numbers to call for a non-owner insurance quote. State Farm: 800-782-8332 Geico: 800-207-7847 Progressive: 888-671-4405 Allstate: 800-726-6033. USAA: 800-531-8722 Methodology Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Table of contents How much does non-owner auto insurance cost in Georgia? Which insurer offers the cheapest non-owner insurance rates in Georgia? How much is non-owner car insurance in Georgia by age? Which Georgia cities have the cheapest non-owner car insurance? How much is non-owner auto insurance in Georgia's 10 biggest cities? How non-owner insurance rates in Georgia compare to rates in other states How to get non-owner car insurance in Georgia Get instant quotes now ! Please enter valid zip Get quote