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Non-owner car insurance is a type of car insurance for drivers without a car in Georgia. Unlike a standard auto insurance policy, non-owner auto insurance typically covers the driver, not the car. A non-owner policy gives you liability coverage even if you drive someone else’s car.
Non-owner car insurance usually includes bodily injury liability and property damage liability coverage. You can often add personal injury protection (PIP), medical payments (MedPay), and uninsured/underinsured motorist (UM/UIM) coverage.
If you cause an accident while driving someone else’s car, the owner’s policy would cover others’ injuries and damages. Your non-owner policy would kick in and help cover any amounts exceeding the owner’s policy. Non-owner insurance doesn’t cover damage to the car you’re driving or your injuries.
You may need a non-owner policy as part of an SR-22 requirement. You typically need an SR-22 if you have your license or vehicle registration suspended after a driving under the influence (DUI) conviction or other serious traffic offense. Non-owner car insurance can fulfill the SR-22 financial responsibility requirement, even if you can’t drive right now.
Non-owner policies average $63 per month in Georgia
Georgia doesn’t require you to have non-owner car insurance if you drive someone else’s car. Most standard insurance coverage follows the vehicle, so borrowing a friend’s car typically doesn’t require non-owner coverage. Georgia also doesn’t require non-owner insurance if you have a driver’s license but don’t own a vehicle.
You’ll likely need a non-owner policy if the state requires you to file an SR-22 financial responsibility certificate. Non-owner car insurance helps you fulfill SR-22 requirements if you have your license or vehicle registration suspended.
If you buy a non-owner car insurance policy, you still need to meet the Peach State’s minimum liability insurance requirements. To drive a car in Georgia, you need at least:
Bodily injury liability coverage: You need $25,000 per person and $50,000 per accident of bodily injury liability insurance to cover injuries you cause to others in an accident.
Property damage liability: You also need $25,000 per accident of property damage liability coverage to help pay for damage after you cause an accident.[1]
Georgia doesn’t require you to have non-owner car insurance. But there are some situations where it’s a good idea or even legally required, including:
You need SR-22 insurance coverage. You’ll need to buy non-owner car insurance if you need to file an SR-22 but don’t have your own vehicle or have your license suspended. You usually won’t be able to buy a standard auto policy.[2]
You want to maintain continuous coverage. Even if you drive only when you borrow someone else’s car, non-owner insurance can help you avoid a coverage gap that could increase your insurance rates.
You regularly borrow vehicles from friends. If you regularly drive someone else’s car, a non-owner policy would help cover any damages that exceed the vehicle owner’s policy.
You rent cars regularly. Frequently driving a rental car can leave you liable for property damage and bodily injury if you don’t purchase coverage from the rental company. A non-owner car insurance policy covers your liability when you rent cars. You can also set your minimum limits, rather than buying what the rental company offers.
Georgia may suspend your driver’s license because of reckless driving, DUI, unpaid child support, or driving while uninsured. If you have your driver’s license suspended, you may need to file an SR-22 with the state as proof of financial responsibility to reinstate it.[3]
Georgia usually requires you to maintain an SR-22 for three years before you can have your driver’s license reinstated. Not all car insurance companies in Georgia offer SR-22 coverage, and an SR-22 requirement can dramatically increase your car insurance rates.
If you don’t own a car and want to reinstate your driver’s license, you’ll need to purchase a non-owner auto insurance policy. Once you have a policy, your insurer will file the SR-22 form with the state on your behalf.[4]
Non-owner car insurance costs an average of $63 per month in Georgia. That’s significantly more expensive than nearby Alabama, where non-owner premiums average only $34 per month.
In fact, Georgia ranks among the most expensive states for non-owner auto insurance, according to Insurify data. But while the state has higher average rates, non-owner insurance typically costs less than standard car insurance.
If you cause an accident while driving someone else’s car, the vehicle owner’s policy would act as primary coverage. Non-owner car insurance would kick in to cover any damages that exceed the owner’s policy. That’s why it’s cheaper than a standard auto policy.
The table below shows the state and national averages for non-owner car insurance in Georgia.
Non-Owner Car Insurance  | Average Monthly Cost |
|---|---|
| Georgia average | $63 |
| National average | $208 |
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If you need to purchase a non-owner car insurance policy in Georgia, follow these steps:
Gather the necessary paperwork. Your insurer will need your driver’s license number and address. Make sure you tell them if you need an SR-22 filing.
Compare quotes. Checking multiple rates for non-owner policies can be difficult because not every insurer offers them. GEICO, State Farm, and Progressive all offer non-owner car insurance, but you need to speak to an agent to get a quote.
Set your policy limits. Georgia requires you to have at least 25/50/25 liability coverage. But you may want to increase your limits for additional financial protection.
Consider extra coverage. Check with your insurer to find out what optional coverages you can add to your non-owner policy. Common additional coverages include PIP and UM/UIM coverage.
Don’t let your coverage lapse. If you need non-owner car insurance for an SR-22 requirement, make sure you don’t let your coverage lapse until you have your license reinstated.[2]
Below, we answer some common questions about non-owner car insurance in Georgia.
Non-owner car insurance in Georgia costs an average of $63 per month, according to Insurify data. But your exact rates may differ depending on your driving history, location, and coverage choices. Get quotes from multiple companies to make sure you get the best price.
In Georgia, non-owner car insurance covers injuries and damage you cause in an accident while driving someone else’s car. The vehicle owner’s policy acts as primary coverage, and a non-owner policy would kick in to cover any damages that exceed the primary policy. Like all liability coverage, non-owner insurance doesn’t cover your injuries or vehicle damage.
No. You can’t insure a car you don’t own in Georgia. You can buy non-owner car insurance if you need coverage while you drive someone else’s car. The owner’s policy is the primary insurance, and your non-owner policy acts as secondary coverage.
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Plutus Award winner
Over 12 years writing about insurance and personal finance
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
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