Car Insurance Non-owner car insurance in Georgia: Which company has the cheapest rates? Auto-Owners and Geico offer the lowest non-owner insurance rates in the state. Written by: Leslie Kasperowicz Leslie Kasperowicz Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. and John McCormick John McCormick John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology. | 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. | Updated on April 14, 2023 Why you should 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 editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. Non-owner auto insurance in Georgia costs $373 per year, which is $20 more than the average nationally, according to a 2023 rate analysis from Insure.com. In Georgia, non-owner policies are available from companies such as USAA, State Farm and Progressive. “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. Learn more about the various requirements, what non-owner insurance is, which companies offer it and how much it costs in Georgia. How much does non-owner car insurance cost in Georgia? Non-owner insurance is usually less expensive than full coverage auto insurance—insurance companies view non-owner policyholders as less of a risk because they have minimal access to a vehicle. On average in the United States, it costs drivers with clean driving records and good credit scores $1,682 annually 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. In Georgia, full coverage car insurance costs $1,555. Meanwhile, non-owner car insurance is $353 a year on average in the U.S. and $373 in Georgia. But actual rates are based on where in Georgia you live, your age and driving history and other points. 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 a year, Nationwide charges the highest rate for non-owner insurance in the state. You should compare quotes from multiple insurers 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? Older drivers have more time behind the wheel than younger, inexperienced drivers and are less likely to be in an accident. Their rates are generally cheaper than those of younger drivers. On average, Georgia non-owner insurance costs $373 a year for a 45-year-old, while it’s $1,324 for a 16-year-old driver. 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? There’s a great deal of variation from city to city when it comes to rates. Insurers set rates based on data points such as theft, collisions and vandalism in different U.S. cities. The tables below show 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 GeorgiaLowest 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 GeorgiaHighest non-owner car insurance ratesClarkston$705Redan$661Pine Lake$650Stone Mountain$636Scottdale$632Lithonia$631Belvedere Park$626Atlanta$617Berwyn Heights$615Ellenwood$587Riverdale$583Avondale Estates$578Red Oak$578Tucker$577Conley$568Porterdale$559Jonesboro$558Austell$551Johns Creek$548Sandy Springs$458 How much is non-owner car insurance in Georgia’s 10 biggest cities? The largest cities in Georgia have different non-owner insurance rates. The cost of non-owner insurance in Atlanta is the highest at $617. Adel has the least expensive prices of the state’s largest cities at $262. Non-owner auto rates in Georgia’s 10 largest cities 10 largest cities in GeorgiaNon-owner car ratesAtlanta$617Johns Creek$548Sandy Springs$458Alpharetta$431Warner Robins$417Savannah$381Columbus$362Augusta$357Athens$340Adel$262 How non-owner insurance rates in Georgia compare to rates in other states Non-owner auto insurance rates also differ from state to state. The average non-owner insurance rate in Georgia is $373 a year, which is more than the national average of $353. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 per year and Iowa at $193 per year. Non-owner car insurance rates in the 10 most populous states StateAverage annual premiumNorth Carolina$926Florida$759New York$578Michigan$574Texas$408Illinois$385Georgia$373National Average$353Pennsylvania$337California$323Ohio$230 How to get non-ownercar insurance in Georgia Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card. To purchase a policy, follow these steps: Contact an auto 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 Often, you’ll receive proof of insurance very quickly. For a non-owner auto insurance policy, you’ll have to call an insurance company rather than go online for a quote. “The most efficient way to go about finding the most affordable non-owner insurance is to work with an insurance broker, who is able to shop multiple insurance companies to find the best price,” says Lauren McKenzie, an insurance agent with A Plus Insurance. 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. Leslie KasperowiczManaging Editor  . .Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at Insurance.com. 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... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... 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