Non-Owner Car Insurance in Georgia (2026)
Non-owner car insurance in Georgia protects you when you’re driving someone else’s vehicle, but it doesn’t have as much coverage as a typical car insurance policy.
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Written byErin Gobler
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Erin Gobler
Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
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Edited bySarah Archambault
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Sarah ArchambaultInsurance Writer, Editor
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Reviewed byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Georgia drivers who don’t own a vehicle but still want car insurance when driving other people’s cars can purchase a non-owner policy. This type of car insurance is more limited than a standard policy, but it offers some liability protection if you cause an accident while driving someone else’s car.
Keep reading to learn what non-owner car insurance is, what it covers, common exclusions, and how to compare rates from Georgia’s top non-owner insurers.
Quick Facts
Non-owner car insurance is a good idea if you frequently borrow someone’s car, rent cars, or use a car-sharing service.
Non-owner policies include liability coverage, but they don’t provide collision or comprehensive coverage.
Some of the top non-owner car insurers in Georgia are GEICO, Nationwide, and USAA.
What is non-owner car insurance in Georgia, and who needs it?
Non-owner car insurance is a type of car insurance for drivers without a car. It provides liability insurance when you’re driving a borrowed car, using a car-sharing service, or renting a vehicle. It’s typically not necessary if you drive infrequently, but it may be a good idea if you regularly drive a vehicle you don’t own.
Georgia’s minimum insurance requirement specifically applies to vehicle owners and lessees, not non-owners, so you might not legally need a non-owner policy. But the owner’s insurance company may not provide liability protection when you’re driving, or their coverage limits may be too low.
For example, let’s say you often borrow a friend’s car to drive yourself to work. While their policy might offer some coverage when you’re driving their vehicle, it’s not guaranteed. With a non-owner policy, you have liability coverage if you cause an accident.[1] If the state requires you to get an SR-22 certificate of financial responsibility, you may also need non-owner coverage.[2]
Find Non-Owner Car Insurance in Georgia
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Best non-owner car insurance companies in Georgia
We’ve narrowed down three of the best car insurance companies in Georgia for non-owner coverage based on their average rates, customer service, third-party ratings, and more. Keep in mind that the cost of non-owner insurance varies by insurer and other factors, like your location and driving record.
GEICO: Best for discounts
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $183/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $253/mo |
4.0
Best choice in GeorgiaBased on 16,802 verified driver reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Georgia for
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best in Georgia for
Teen drivers
Cheap rates
Accident forgiveness
Showing 55 reviews from Georgia drivers - See all 7,536 GEICO reviews
Deborah
Verified Review
Lynn
Reviewed in Georgia on March 30, 2026
I like them. I have been with them for 2 years.
Carolyn
Verified Review
Excellent
Reviewed in Georgia on March 30, 2026
It's very sufficient and helpful.
Paul
Verified Review
Geico Not What They Spend Millions on Advertising
Reviewed in Georgia on March 26, 2026
Long-time client. Perfect driving record. Retired senior over 75, disabled wounded veteran. Geico stabs the elderly in the back, constantly. Geico refuses safe driver discounts to the elderly with perfect records. They do this to charge more (not unlike many other insurance companies) to pay for losses incurred by poor drivers. If you're late, you're fined $20. No rebuttal. Geico has to constantly advertise, spending millions as many veterans and seniors are leaving.
Vincent
Verified Review
Looking for more affordable coverage for a senior policy owner
Reviewed in Georgia on March 15, 2026
Monthly payments are too high and keep increasing.
David K
Verified Review
It's a very good company to be with and it's the cheapest
Reviewed in Georgia on March 8, 2026
I feel like state minimum should be no more than 39 bucks a month, but so far it is the cheapest car insurance I have found. It's a good company.
Donald
Verified Review
Satisfied
Reviewed in Georgia on March 6, 2026
Pretty reasonable company.
Amy
Verified Review
Geico for Best Prices
Reviewed in Georgia on March 4, 2026
Lowest insurance I can find.
Margaret
Verified Review
The Big Switch
Reviewed in Georgia on March 1, 2026
GEICO was good, but they were so expensive and I wasn’t able to keep it up.
Curlie
Verified Review
It's Me
Reviewed in Georgia on February 27, 2026
Too expensive for basic coverage.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
637NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
GEICO offers more discounts than nearly any insurer in Georgia. Some discounts won’t apply to non-owner policies, like GEICO’s new vehicle discount. But others are specific to the driver and policy, such as good driver and multi-policy discounts, so you may still be able to take advantage of some savings.
GEICO also has among the lowest non-owner rates and has the highest possible financial strength rating from AM Best.
Pros
Many insurance discounts
Low non-owner insurance rates
Top-rated for financial strength
Cons
Mixed customer satisfaction ratings
Small number of local Georgia agents
May not be able to complete a quote or policy purchase online
Nationwide: Best for customer satisfaction
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $231/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $329/mo |
4.2
Best choice in GeorgiaBased on 959 verified driver reviews and ratings
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Georgia for
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Georgia for
Usage-based savings
Accident forgiveness
Recreational vehicle coverage
Showing recent national reviews - See all 515 Nationwide reviews
Brian
Verified Review
Not happy anymore with this company
Reviewed in Pennsylvania on March 28, 2026
The rates are not that good; they go up every other month with no notification. When you call about it, they say, "It is what it is." With auto-pay, we set the date, but they may take it a week early or a week later, but it's normally earlier than the date we set. This really sucks since I have had insurance through them since I was 17 years old, and I am now 61. Their rates keep going up with no notification.
Cassidy
Verified Review
Don't use this company
Reviewed in Nevada on March 26, 2026
My car is 6 years old. I have no claims and no tickets, and my insurance has increased 200% in the past 6 years.
Patricia
Verified Review
Bad Communication
Reviewed in South Carolina on March 18, 2026
They never informed me about the increase until it was time to renew, and they didn't explain why the increase occurred.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
641NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
Nationwide may not have the cheapest rates in Georgia, but it earns consistently high customer satisfaction ratings. J.D. Power rates the company above average for both customer and claims satisfaction.
Nationwide also has a lower-than-expected number of complaints with the National Association of Insurance Commissioners (NAIC). And while the insurer may have fewer discounts than other companies, it does offer two popular usage-based insurance programs, which J.D. Power also rates highly.
Pros
High customer satisfaction ratings
Large network of local independent agents
Multiple usage-based insurance programs
Cons
Fewer discounts than many insurers
Not the cheapest non-owner coverage
Not all coverage options and discounts may be available in Georgia
USAA: Best for military families
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $112/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $159/mo |
4.9
Best choice in GeorgiaBased on 3,317 verified driver reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Georgia for
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best in Georgia for
Members of the military community
Outstanding customer service
Competitive rates
Showing 34 reviews from Georgia drivers - See all 1,517 USAA reviews
Angela
Verified Review
Rates change constantly
Reviewed in Georgia on March 26, 2026
The rates kept changing.
Edward
Verified Review
USAA Experience
Reviewed in Georgia on March 24, 2026
Outstanding customer service, but the price got too high.
Lance
Verified Review
USAA
Reviewed in Georgia on March 17, 2026
USAA isn't a low-cost insurance, but they have always offered me excellent customer service over the past 35 years.
Steve
Verified Review
USAA - Good Plans and Coverage
Reviewed in Georgia on March 8, 2026
Overall, I’m happy with USAA's plans and coverage, but I'm just looking for some cheaper options.
James
Verified Review
I'm happy with it.
Reviewed in Georgia on February 28, 2026
It's very good, I'm just looking for cheaper insurance with the same coverage.
Paul
Verified Review
Paul G
Reviewed in Georgia on February 23, 2026
Response to incidents is great. Prices continue to rise, making people look for alternatives.
Ken
Verified Review
USAA rate increase without explanation
Reviewed in Georgia on February 10, 2026
With no accidents or tickets in the last decade, our car insurance rates doubled with USAA after 5 years. Why? Couldn't tell you and couldn't get an explanation as to why either when I called them to inquire about the rate hike!
Laverne
Verified Review
Terrible Experience
Reviewed in Georgia on February 8, 2026
Terrible, they didn't make me whole on a NO FAULT accident and didn't go after the at-fault driver. They just paid me the wholesale book price for my 2-year-old vehicle!
Michael
Verified Review
Good and Inexpensive
Reviewed in Georgia on February 4, 2026
Good, cheaper than other quotes.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA is a top car insurance company among current and former military members and their families. It has some of the lowest non-owner insurance rates and has multiple usage-based insurance programs that help lower premiums further.
While USAA has more complaints than expected with the NAIC, it has high ratings for claims and overall customer satisfaction from J.D. Power. The insurer also has a top AM Best rating for financial strength.
Pros
Low non-owner insurance rates
Top-rated financial strength
Multiple usage-based insurance programs
Cons
Available only to military families
Mixed customer satisfaction ratings
No local insurance agents
What non-owner car insurance covers in Georgia
Non-owner auto insurance provides liability insurance while you’re operating someone else’s vehicle. It generally includes two primary types of coverage:
Bodily injury liability
Pays for other people’s medical expenses and related costs when they’re injured in an accident
Property damage liability
Pays to repair or replace other people’s property if it’s damaged in an accident
Non-owner policies may also include some other car insurance coverages, depending on your insurer and where you live. For example, some non-owner insurance policies include medical payments coverage (MedPay), personal injury protection (PIP), or uninsured/underinsured motorist (UM/UIM) coverage.
What non-owner car insurance doesn’t cover
Non-owner car insurance doesn’t apply to the vehicle. So it won’t cover damages to the car you borrow if you’re in an accident unless the owner carries full coverage or has collision or comprehensive insurance.
Additionally, a non-owner policy typically won’t cover your medical bills unless you add PIP or UM/UIM coverage. Non-owner insurance also doesn’t offer financial protection if you borrow a car for business purposes or cause intentional damage.
Cost of non-owner car insurance in Georgia
Generally speaking, non-owner car insurance rates are significantly cheaper than both full-coverage insurance and liability-only coverage. For example, the average cost of a non-owner policy is $66 per month, compared to $213 per month for full coverage and $66 for liability-only coverage.
Part of the reason these policies are so affordable is that they don’t cover the vehicle. Non-owner coverage only includes bodily injury and property damage liability protection, along with a few other potential coverages that help protect you as a driver.
Non-owner policies are also cheaper since non-owners tend to drive less frequently. This lowers the risk of getting into an accident.
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Non-owner car insurance in Georgia FAQs
When buying a non-owner insurance policy in Georgia, consider the answers to these frequently asked questions to help you decide on the best fit.
Can you get car insurance on a car you don’t own in Georgia?
No. You typically can’t insure a car you don’t own in Georgia, whether it’s a rental or a gifted vehicle. But you may be able to buy a non-owner policy that offers liability protection when you’re driving someone else’s vehicle.
Do you need non-owner car insurance to rent a car in Georgia?
No. You don’t need to have non-owner car insurance to rent a car in Georgia, since you can buy it from the rental company or sometimes get coverage from your credit card company. But rental coverage is often expensive, so if you regularly rent a car, purchasing non-owner coverage might be cheaper.
Do you need car insurance to drive a friend’s car in Georgia?
You probably don’t need car insurance to occasionally drive a friend’s car in Georgia, as long as you have their permission. But if you frequently borrow their vehicle, non-owner insurance is often a good idea if your friend isn’t able to list you as a driver on their policy.
Where can you buy non-owner car insurance?
You can buy non-owner car insurance from many popular insurance companies. GEICO, Nationwide, and USAA are three of our top choices for non-owner policies in Georgia.
Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Georgia Department of Driver Services. "Reinstatement FAQS - No Proof of Insurance (Multiple Convictions)."
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Written byErin Gobler
Erin Gobler
Over 5 years of experience in financial writing
Certified in financial planning by Boston University
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
Featured in
Erin is a writer and journalist specializing in personal finance. With more than five years of experience, Erin has covered topics such as credit cards, mortgages, insurance, and more.
Sarah ArchambaultInsurance Writer, Editor
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
Featured in
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in