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

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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

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

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

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

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

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

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:

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

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