Non-Owner Car Insurance in Georgia
Numbers refreshed
Liability coverage for Georgia drivers who don't own a car.
- $99.monthly average for owner liability.
- 25/50/25.the minimum liability limits.
- 5th of 51.one of the most expensive states (1st = highest).
Who non-owner insurance is for
- You often drive cars that are borrowed or rented, without owning one.
- Georgia asks for an SR-22A (Georgia Safety Responsibility Insurance Certificate) filing from you, though you have no car to insure.
- A gap in cover between cars can raise your next price, so you want to avoid it.
What the policy covers
Liability is all a non-owner policy covers. The Georgia minimum is 25/50/25, and a policy like this must meet it.
If you cause a crash while driving a borrowed car, it pays other people. It won't fix the car you're driving; the owner's policy usually pays first.
How much it costs
No official average exists for non-owner policies. In Georgia, car owners pay an average of $1,187 a year for liability. Non-owner policies usually cost less, since no car sits in your driveway daily.
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