Non-owner car insurance in Georgia: Which company has the cheapest rates?

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Non-owner auto insurance in Georgia costs $510 per year, which is $24 more than the rest of the country on average, according to a rate analysis by Insure.com.

In Georgia, non-owner policies are available from companies such as Auto-Owners, GEICO 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.

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 auto insurance cost in Georgia?

Non-owner insurance is usually less expensive than full coverage auto insurance-insurers view non-owner policyholders as less of a risk because they have minimal access to a vehicle.

On average in the U.S., it costs a driver with a clean driving record and good credit score $2,578 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. Full coverage car insurance is $2,503 in Georgia.

Alternatively, non-owner car insurance is $486 a year on average in the United States and $510 in Georgia.

But actual rates are based on your age and driving history and also where in state you live.

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Which insurer offers the cheapest non-owner insurance rates in Georgia?

With an average annual cost of $125, Auto-Owners non-owner insurance policy is Georgia’s most affordable.

At $1,211 a year, Mercury Insurance charges the highest rate for non-owner insurance in the state.

A good rule of thumb is to compare quotes from many different insurance companies to get the best price. Below you’ll find a list of the cheapest non-owner policies offered in Georgia.

Cheapest non-owner insurance rates in Georgia

How much is non-owner car insurance in Georgia by age?

Older drivers have been driving longer than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually cheaper than those of younger drivers. On average, Georgia non-owner insurance costs $518 a year for a 45-year-old, while it’s $3,259 for a 16-year-old driver.

Average non-owner auto insurance rates in Georgia by age and gender

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Which Georgia cities have the cheapest non-owner auto insurance?

Rates differ from city to city. When insurance companies set rates, they consider the frequency of thefts, collisions and vandalism in an area.

The tables below display the cities in Georgia that have the least and most expensive non-owner auto insurance rates.

The 20 Georgia cities with the lowest non-owner auto insurance rates

The 20 Georgia cities with the highest non-owner car insurance rates

How much is non-owner car insurance in Georgia’s 10 biggest cities?

The most populous cities in Georgia have varying non-owner insurance rates. The cost of non-owner insurance in Atlanta is the highest at $669; Athens has the cheapest rates of the largest cities in the state at $478.

Non-owner car rates in Georgia’s 10 largest cities

How non-owner insurance rates in Georgia compare to rates in other states

Non-owner auto insurance rates also differ from state to state. Georgia’s average non-owner insurance rate is $510 a year, higher than the $486 national average.

Non-owner car insurance rates in the 10 most populous states

What does non-owner auto insurance cover?

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California.

An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.”

How to get non-owner car 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:

1. Contact a car insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

Often, you’ll receive proof of insurance very quickly. Below are a few insurers with 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 gathered rates from Quadrant Information Services for all 51 states, including Washington, D.C., to analyze non-owners auto insurance pricing.

This data is based on a sample driving profile of a 40-year-old male and female with a good insurance score and no violations, opting for a non-owners policy on a Honda Accord with a 12-mile commute and 10,000 annual mileage. We analyzed over 65 million insurance quotes from 195 companies (73 company groups) across 29,159 cities and 34,595 ZIP codes. The national average annual premium is $486.

Read more about our research standards and methodology.

What our expert says

Q: Does a non-owner policy cover damage to your car?

Golnoush GoharzadPersonal injury attorney, California.

These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

Leslie Kasperowicz

Managing Editor

 

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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.

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