As a Georgia resident, I know how confusing it can be to navigate the auto insurance market, especially if you don’t even own a car! Non-owner car insurance caters to those who only drive occasionally or borrow vehicles, providing liability coverage without insuring a specific car
In this comprehensive guide, I’ll walk through everything you need to know about non-owner car insurance in Georgia. We’ll cover:
- What is non-owner car insurance?
- Who needs it?
- Average costs in Georgia
- Minimum requirements
- The best providers in GA
- Tips for getting cheap rates
After reading this guide, you’ll understand exactly how non-owner insurance works, who it benefits, and how to find an affordable policy that protects you on the road. Let’s get started!
What Is Non-Owner Car Insurance?
Non-owner car insurance provides liability protection when you drive a vehicle that you don’t own It can cover you when
- Borrowing a friend or family member’s car
- Renting a car
- Test driving a car you may purchase
- Using a company car for work
Unlike regular car insurance, non-owner policies only provide liability coverage — not collision or comprehensive Liability pays for damage to others if you cause an accident but doesn’t cover repairs to the vehicle you’re driving
Non-owner insurance is often cheaper than regular car insurance since it only includes basic liability protection. It gives you coverage when needed without insuring a specific vehicle.
Who Needs Non-Owner Car Insurance in Georgia?
While it’s not legally required, non-owner insurance can be beneficial for:
Occasional Drivers
If you only drive rarely using rental cars or borrowed vehicles, non-owner insurance can protect you without paying for unused regular car insurance. It covers you when driving infrequently.
Between Vehicles
Gaps in auto insurance can lead to higher rates down the road. Non-owner insurance provides affordable coverage if you’re between cars or waiting on a new vehicle purchase.
License Reinstatement
Those with suspended licenses due to offenses like DUIs may need non-owner insurance to get their license back. It shows financial responsibility without owning a car.
Teen Drivers
Since teens drive parents’ cars, non-owner insurance can cover them affordably before they need their own policy.
For these situations, non-owner insurance provides valuable liability protection at lower costs than regular car insurance.
Average Cost of Non-Owner Car Insurance in Georgia
Non-owner car insurance costs much less than regular car insurance. The average monthly cost of a non-owner policy in Georgia is just $39 according to 2021 data.
The table below shows sample monthly rates from major insurers in Georgia to give you an idea of costs:
| Company | Sample Monthly Rate |
|---|---|
| State Farm | $53 |
| Allstate | $56 |
| Progressive | $49 |
| GEICO | $37 |
As you can see, rates from top insurers range from $37 to $56 per month. Your actual quote will depend on factors like your age and driving record. Getting quotes from multiple companies ensures you find the best rate.
Georgia Minimum Non-Owner Insurance Requirements
In Georgia, non-owner car insurance has the same minimum liability coverage requirements as regular auto insurance:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $25,000 property damage
Purchasing more than the minimums provides greater protection. I recommend considering higher liability limits and adding uninsured motorist coverage.
The Best Non-Owner Car Insurance Providers in Georgia
I compared Georgia’s top insurers based on cost, financial strength, customer satisfaction, and coverage options to pick the best non-owner insurance companies:
GEICO
With an A++ financial strength rating from AM Best and low average rates, GEICO is my top choice for non-owner insurance in Georgia. They offer liability-only policies plus added coverages like roadside assistance and rental reimbursement.
Avg Monthly Cost: $37
State Farm
State Farm has an A++ financial strength rating along with positive customer feedback. Their non-owner policies start around $53/month and include liability protection plus valuable add-ons.
Avg Monthly Cost: $53
Progressive
Known for affordable pricing, Progressive offers rates starting around $49/month. They back their policies with an A+ financial strength rating and responsive claims service.
Avg Monthly Cost: $49
While these three topped my list, I always advise comparing quotes from at least 3-5 providers in your area. The best company for you depends on your budget and coverage needs.
Tips for Finding Cheap Non-Owner Car Insurance in Georgia
Follow these tips to get the lowest possible non-owner insurance rate in Georgia:
⛺️Compare quotes from multiple companies – Rates vary, so shop policies from at least 3 insurers.
Maintain a clean driving record – Avoid accidents, violations, and claims to secure lower premiums.
Choose higher deductibles – This can substantially reduce your monthly payments.
Check for discounts – Ask about discounts for protective devices, safety courses, and more.
Consider usage-based coverage – Low-mileage plans from insurers like Allstate use your driving data to save you money.
Finding affordable non-owner insurance allows you to drive worry-free without breaking the bank. By following these tips and the advice in this guide, you can be confident you have the right protection at a price you can afford.
Get the Right Non-Owner Insurance for Your Needs
Make sure to compare rates from top insurers like GEICO, State Farm, and Progressive. Look into discounts and consider adjusting deductibles and liability limits to customize your policy. If you have any other questions about non-owner insurance, feel free to reach out! I’m happy to offer personalized advice to help you protect yourself on the road, even without owning a car.
Macon: Non-Owners Insurance Rates Breakdown
There are a lot of things that can change the rates for non-owners insurance in Macon, a city known for its musical history and historical sites.
If you live in or visit Macon often and don’t own a car but sometimes need to drive (maybe by borrowing a friend’s car or renting one), it’s important to know how non-owners insurance rates work.
This kind of insurance covers liability, which is important if you get into an accident while driving someone else’s car.
Rates in Macon are usually affected by how crowded the city is with cars, how many accidents have happened in the past, and even how often people drive.
Macon non-owners insurance is a good choice for people who want a cheap way to make sure they’re covered on the road legally even though they don’t own a car.
It is important to remember, though, that this insurance only covers your liability and not any damage to the car you are driving.
Comparing rates from various insurers is key to finding the best policy for your needs in Macon.
Estimated Non-Owners Insurance Rates in Macon:
| Insurance Carrier | Macon Estimated Monthly Rate | Georgia Average Rate |
|---|---|---|
| Progressive | $74 | $75 |
| Dairyland | $77 | $78 |
| Travelers | $75 | $79 |
| Gainsco | $76 | $77 |
| Assurance America | $73 | $76 |
| National General | $78 | $80 |
| Bristol West | $79 | $81 |
| Mendota | $80 | $82 |
| The General | $81 | $83 |
| Suncoast | $72 | $74 |
Note: These rates are estimates and may vary based on individual circumstances.
I don’t own a vehicle. Why Would I need Insurance?
Non Owners Insurance Georgia vs. Regular Auto Insurance: Understanding the Differences
In Georgia, you need to know the difference between regular auto insurance and non-owners insurance in order to make an informed choice about your coverage needs.
Non-owners insurance is specifically designed for individuals who do not own a vehicle but still need liability coverage.
This kind of insurance covers you if you hurt someone or damage their property while driving someone else’s car, like a rental or borrowed car.
It’s an ideal option if you frequently rent cars or drive vehicles that you don’t personally own.
Non-owners insurance, on the other hand, doesn’t cover damage to the car you’re driving or offer collision and comprehensive coverage.
On the other hand, regular auto insurance is for people who own cars and usually covers a wider range of things, like collision, comprehensive, liability, and possibly uninsured or underinsured motorist coverage.
There is more protection with this type of policy because it is tied to a specific vehicle and covers damage to your own vehicle.
- Car Ownership and Vehicle Association: People who don’t own a car can get non-owners insurance. Standard auto insurance is tied to a specific car that the policyholder owns.
- Coverage Scope: Non-owners insurance typically provides liability coverage only. Standard car insurance can cover things like liability, collision, comprehensive, medical payments, and drivers who don’t have insurance or enough insurance.
- Who It’s For: Non-owners insurance is best for people who sometimes drive borrowed or rented cars. People who own and regularly use their own cars are eligible for standard auto insurance.
- Coverage for Physical Damage: If you are driving someone else’s car, your non-owners insurance does not cover damage to your car. Standard auto insurance covers damage to the insured vehicle caused by collisions and other events.
- Non-owners insurance can be used to file an SR-22 for people who don’t own a car but need to show they are financially responsible. Standard auto insurance also lets you file an SR-22, but it’s specific to each vehicle.
- Cost of the Premium: Liability insurance that doesn’t cover ownership is usually cheaper because it only covers accidents. Standard auto insurance rates may be higher because they cover more.
- Policy Customization: There aren’t many ways to change non-owners insurance policies, and most of them have to do with liability limits. Standard auto insurance gives you more choices when it comes to policy limits, deductibles, and extra coverages.
- Insurance Requirement Satisfaction: Non-owners insurance meets state insurance requirements for drivers who don’t own a car. Standard auto insurance is required by law for all car owners and shows that you can pay your bills.
- Eligibility and Underwriting Criteria: To be eligible for non-owners insurance, you must not own a car and use it often. Standard auto insurance eligibility depends on the type of vehicle, how it is used, and the profile of the owner-driver.
- Filing a Claim: Non-owners insurance claims are usually only for liability accidents Standard auto insurance covers a wider range of claims, such as damage to the car and theft.
Knowing these differences is important for picking the right type of insurance for your needs and the status of your car ownership.
What Is Non-Owner Car Insurance? : Car Insurance FAQs
FAQ
Can I insure a car I do not own in Georgia?
What is a non owned vehicle insurance?
Can I put insurance on a car that is not in my name in Georgia?
Can you drive someone else’s car in Georgia?
What is a non-owner car insurance policy?
A non-owner car insurance policy typically includes only the minimum required coverage in your state, though you can often select higher limits. Aside from liability coverage, a non-owner policy may include:
What is non-owner car insurance in Georgia?
In Georgia, non-owner car insurance must meet the same minimum coverage requirements as standard car insurance, including the following liability limits: While minimum coverage is typically the most affordable option for consumers, some drivers may need more comprehensive financial protection.
Who has the cheapest non-owner car insurance rates in Georgia?
Auto-Owners offers the cheapest non-owner car insurance rates in Georgia at an average cost of $6 per month, based on CarInsurance.com’s analysis. Other than Auto-Owners, Geico and USAA also have cheap non-owner insurance premiums. Non-owner auto insurance rates may vary based on your driving record, ZIP code, and coverage needs.
How much does non-owner insurance cost in Georgia?
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. Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.