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

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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

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

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

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 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

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

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:

1. Contact an auto 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.

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 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 and managing content, now at Insurance.com.