All about Non-Owner Car Insurance in Georgia

A Georgia non-owner auto insurance policy offers supplemental liability protection and can help you avoid a lapse in coverage if you don’t own a car.
Written by Melanie Krieps Mergen
Edited by Amy Bobinger
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A Georgia
non-owner car insurance
is worth considering if you don't own a vehicle of your own but regularly borrow or rent someone else’s. Non-owner car insurance will provide you with supplemental liability coverage in the event that you’re found at fault in a car accident.
  • Non-owner car insurance costs an average of $3374 per year in Georgia.
  • To find a non-owner car insurance policy, you may need to contact insurance companies and/or brokers directly. Seeking out multiple quotes can help you find the best coverage for you at the right price.
  • A non-owner car insurance policy won’t cover damages to the vehicle you’re driving. If the legal owner has full coverage, their policy will cover these damages.
  • If you don’t own a car but have an SR-22 requirement, you may want to look for a Georgia non-owner SR-22 insurance policy.

The average cost of non-owner car insurance in Georgia is $3374

Average cost of minimum liability insurance in Georgia
Average cost of non-owner insurance in Georgia
Average cost of non-owner SR-22 insurance in Georgia
$2845
$3374
$3999
Methodology: Using data from Jerry’s carrier review survey, we calculated the average cost of minimum insurance quoted for a single car and a single driver with a good driving record in Georgia, as well as the average cost of non-owner and non-owner SR-22 policies quoted in Georgia.

Non-owner insurance rates are cheaper than standard insurance on average

Here’s why it costs less: 
  • Non-owner insurance is a liability-only policy:
    Liability-only car insurance coverage
    only pays for others’ damages and injuries after an accident. This lower level of coverage makes this policy cheaper than a
    full coverage policy
    that would also pay for damage to the policyholder’s vehicle.
  • Non-owner premiums may cost less than standard liability car insurance policies, too: This may be in part because insurance companies assume less risk with a driver who doesn’t have regular access to their own vehicle, meaning they may not drive as often.
Just like with any other car insurance policy, the cost of a Georgia non-owner car insurance policy will depend on a combination of factors, such as where you live, the coverage limits you choose, and your driving history.
As you’d probably expect, high-risk drivers will generally pay higher auto insurance rates than drivers with clean driving records.
One of the best ways to find savings on a non-owner car insurance policy is to compare quotes from at least three to five different car insurance providers. Using a
trusted car insurance broker
like
Jerry
makes finding the best rate a quick and easy process. If you find an option you like with Jerry, we can even help you make the switch to your new policy and cancel your old one!

The biggest auto insurers in Georgia that offer non-owners insurance

Not all major car insurance companies offer non-owner car insurance policies—and some may only do so in select states. When you’re looking for a non-owner car insurance policy in Georgia, you can consider seeking out
car insurance quotes
from the following providers:
  1. USAA
    (only available to veterans and current members of the military and their families)
Need to know: With non-owner car insurance policies it’s common that you’ll need to contact a car insurance company or car insurance broker directly to find quotes for the coverage you’re looking for rather than using their website.
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Do you need non-owner car insurance?
You might need it if you:
You may not need it if you:
Sometimes borrow cars from people you don't live with
Rent cars frequently
Often use car-sharing services
Want to avoid a lapse in car insurance coverage
Need an SR-22 certificate but don't have a vehicle
Are getting your license in a state with an insurance requirement
Live with someone who owns a car
Rent cars infrequently
Have your own car
Don't plan to own a car any time soon
Learn More

Georgia non-owner insurance is a supplemental liability policy

The primary purpose of a non-owner car insurance policy is to provide you with liability coverage in the event that you’re found at fault for an accident. 
Keep in mind: 
  • Your non-owner car insurance policy won’t cover damage to the vehicle you’re driving, so coverage options like collision and comprehensive insurance won’t be available. The vehicle’s legal owner must have this coverage on their own policy if they want it to have protection.
  • On a Georgia non-owner car insurance policy, you may be able to add additional coverage options in addition to your liability coverage, such as
    uninsured/underinsured motorist coverage
    or
    medical payments coverage (MedPay)
    —but don’t assume they’ll automatically be included.

A supplemental policy pays out after the primary coverage limits are met

Whether you’re renting or borrowing it, the vehicle you’re driving should already have a primary car insurance policy in place. That will likely either be a
rental car insurance
policy or the legal vehicle owner’s personal policy.
If you’re involved in an accident, coverage from the vehicle’s primary policy will typically apply first. Then, if those coverage limits are exceeded, your own non-owner car insurance coverage may apply as supplemental or secondary coverage.
Don’t underestimate the cost of an accident: Vehicle repair and medical costs can add up quickly—and if you’re found at fault for the accident, you may be on the hook for paying thousands of dollars out of pocket without sufficient protection.
At the very least, your non-owner car insurance policy will need to have the following
minimum liability limits required by Georgia
state law:
Here’s an example scenario:
Let’s say you borrowed your roommate’s car to run a few errands. As you take a sip of coffee, you pass over a pothole, causing you to drop your mug. As you quickly reach down to retrieve it, you take your eyes off the road just a moment too long and end up rear-ending someone braking in front of you.
That car, a newer SUV, ends up with structural damage and gets deemed a total loss. 
Your roommate stuck with Georgia’s basic liability limit requirements to keep their insurance costs low—so their policy would cover $25,000 of the property damage to the SUV and up to $25,000 in medical bills per person if anyone was injured (but only up to a total of $50,000 in medical bills for the whole accident). Fortunately, though, they do have sufficient collision coverage for the damage to the front end of their own vehicle.
With a non-owner car insurance policy of your own, your insurance will then cover any remaining liability costs up to the policy limits you choose. So if you also chose Georgia’s minimum liability limits for your own policy, and the totaled SUV was valued at $30,000, it could cover that remaining $5,000.
Because more severe accidents can easily exceed Georgia’s minimum liability limits, the experts at Jerry typically recommend choosing higher coverage limits. In many cases, it only raises the cost of your premium by a few dollars a month, but it could potentially save you thousands in a worst-case scenario.
Note: Like most liability-only policies, non-owner auto insurance typically doesn’t require a deductible.

Non-owner SR-22 insurance in Georgia

In Georgia, non-owner SR-22 insurance costs an average of $3999. 
If you’re subject to SR-22 requirements in Georgia but don’t own a vehicle, a non-owner SR-22 car insurance policy could still help you satisfy those requirements throughout the designated period—and help you avoid a
lapse in coverage
Not all car insurance providers offer non-owner SR-22 car insurance policies, but those that do can file your SR-22 certificate with the state on your behalf. As you seek out quotes, you can reach out to insurance agents directly to confirm they have the coverage options you need.
The state of Georgia requires drivers to file an SR-22 after a range of offenses, including:
  • Driving with a revoked or suspended license 
  • Driving without sufficient car insurance coverage
  • Reckless driving
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FAQs

Car insurance providers will almost always require that you are a legal owner of a vehicle before you can insure it. 
If you frequently drive someone else’s vehicle and want to insure it, you could askthe owner to add you as a co-owner to its title or seek out a non-owner insurance policy of your own for liability protection.
Non-owned and non-owners insurance are not the same thing. While a non-owners policy provides supplementary liability protection for someone who drives borrowed or rented vehicles, a non-owned policy is a type of business insurance that helps cover employees who occasionally drive their personal vehicles for company purposes.
As long as you have permission to drive the vehicle, and as long as you’re not listed as an excluded driver on the car insurance policy, you should usually be covered by their insurance when borrowing another person’s car—but it’s a good idea to confirm this before grabbing those car keys.
However, you will need to be able to provide proof of car insurance if you’re pulled over by law enforcement whenever you’re driving—whether or not you own the vehicle. Make sure you know where their proof of insurance is kept!
A non-owner car insurance policy of your own can provide you with extra liability protection in case of an accident.
As long as you’re a licensed driver and not named as an excluded driver on their car insurance policy, it’s usually okay to borrow a friend’s car as long as you have permission. 
Before getting behind the wheel, though, it’s a good idea for both of you to have an understanding of what car insurance coverage you have in place between the two of you and how it may apply if you’re in an accident.
If you’re routinely borrowing another person’s car, their car insurance provider may require that you’re added as an additional driver in order to be covered.
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