Non-Owner Car Insurance
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Non-Owner Car Insurance — Georgia

A Georgia non-owner policy carries the state's 25/50/25 liability minimum without requiring you to own a vehicle, and can file the SR-22 the state requires when your license depends on it. Liability-only coverage that follows you when you drive cars you don't own.

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Non-Standard Auto · SR-22 · Senior · Teen Drivers

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Updated July 2026

Georgia Non-Owner Liability Requirements

Georgia requires every driver to carry at least 25/50/25 liability coverage — $25,000 bodily injury per person, $50,000 per accident, $25,000 property damage — whether you own a car or not. A non-owner policy meets this floor without insuring a vehicle you own. Georgia is a traditional at-fault state, meaning injured parties pursue the at-fault driver directly, which makes carrying adequate liability critical even when you don't own the car. For drivers under a DUI suspension or certain violations, Georgia Department of Driver Services (DDS) requires SR-22 proof-of-insurance filing maintained for 3 years, and a non-owner policy can carry that filing when you have no car to insure.

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25/50 minimum
Bodily Injury Liability
Covers injuries you cause to others when driving a car you don't own. Georgia's 25/50 minimum is the legal floor; a non-owner policy must carry at least this, and you can purchase higher limits. Because Georgia is at-fault, you're liable for the full damage you cause, so many non-owner buyers choose 50/100 or 100/300 to protect assets beyond the minimum.
$25,000 minimum
Property Damage Liability
Pays for damage you cause to another person's vehicle or property. The $25,000 Georgia minimum can be exceeded quickly in a multi-car accident, so higher limits are common. A non-owner policy covers this liability when you're driving someone else's car, a rental, or a car-share vehicle.
Not required by Georgia, but commonly included
Uninsured Motorist Coverage
Georgia does not mandate uninsured motorist coverage, but most non-owner policies include it because it protects you when hit by a driver with no insurance or insufficient limits. Given Georgia's traditional tort system, this coverage fills the gap when the at-fault driver can't pay. Carriers writing non-owner in Georgia — including Geico, Progressive, GAINSCO, Dairyland, and The General — typically bundle UM into the base policy.
SR-22 required for 3 years post-conviction
Non-Owner SR-22 Filing
Georgia DDS requires SR-22 filing for DUI convictions, uninsured motorist violations, and certain suspensions. The filing proves you carry continuous liability coverage. When you don't own a car, a non-owner SR-22 satisfies the requirement. Among carriers writing non-owner in Georgia, Geico, Progressive, GAINSCO, Dairyland, and The General file non-owner SR-22s. The SR-22 itself is a form your carrier files with DDS electronically; you maintain the underlying non-owner policy for the full 3-year period or face automatic re-suspension.
Not included in non-owner policies
Collision and Comprehensive
A non-owner policy never includes collision or comprehensive coverage because you own no vehicle to repair. If you're driving a borrowed car, the owner's collision and comprehensive cover damage to that car. If you're renting, the rental agency's damage waiver or your credit card's rental coverage applies. Non-owner is liability-only by design.
State-Mandated Minimum Coverage · Georgia

Georgia Minimum Coverage

CoverageMinimum
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$25,000

License Reinstatement Fee$200

Meeting the state minimum keeps you legal. See whether it's enough — get your Georgia quote.

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What Shapes Non-Owner Costs in Georgia

Non-owner policies cost less than standard auto insurance because they carry no collision, comprehensive, or physical-damage coverage. In Georgia, cost is driven by your driving history, whether you need an SR-22 filing, the liability limits you select, and the carrier's tier. A clean-record driver buying liability-only pays less than a driver filing a non-owner SR-22 after a DUI, because the SR-22 signals higher risk to the carrier.

What Affects Your Rate

  • SR-22 filing requirement: Georgia DDS mandates SR-22 for 3 years after DUI or uninsured violations, and the filing itself raises the non-owner premium because it flags the driver as higher-risk.
  • Driving history: A DUI, at-fault accident, or points suspension increases cost more than a clean record, even on a liability-only non-owner policy.
  • Liability limits selected: Georgia's 25/50/25 minimum is the floor, but choosing 50/100/50 or 100/300/100 adds cost and asset protection.
  • Carrier tier: Non-standard carriers like GAINSCO, Dairyland, and The General specialize in non-owner SR-22 and post-violation profiles; standard carriers like Geico and Progressive write non-owner but may price higher for drivers with violations.
  • Georgia's at-fault system: Because injured parties pursue the at-fault driver directly, carrying limits above the minimum is common, and higher limits increase the premium.
  • Continuous coverage history: A lapse in Georgia triggers registration suspension under the Georgia Electronic Insurance Compliance System (GEICS), and a lapse on your record raises future rates even for non-owner policies.
Non-Owner Liability Only
25/50/25 min
A driver with no violations, no lapses, and no SR-22 requirement pays the lowest non-owner rate in Georgia. Selecting higher limits — 50/100/50 or 100/300/100 — adds cost but protects assets beyond the minimum.
Non-Owner With SR-22
3-year filing
Georgia requires SR-22 maintained for 3 years after certain convictions. A non-owner SR-22 costs more than liability-only because the filing itself signals elevated risk. Carriers that write non-owner SR-22 in Georgia include Geico, Progressive, GAINSCO, Dairyland, and The General.
Non-Owner After Violation
Post-suspension
A driver reinstating a Georgia license after a suspension faces higher non-owner rates due to the violation history. The $200 reinstatement fee for uninsured-related suspensions is separate from the policy cost. Completion of the DUI Alcohol or Drug Use Risk Reduction Program is required for DUI reinstatement.

Get non-owner SR-22 coverage without owning a vehicle

Compare carriers that offer non-owner policies with SR-22 filing — required for reinstatement in most states.

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Coverage Types

Non-Owner Liability Insurance

Bodily injury and property damage liability that follows you when you drive cars you don't own. Covers injuries and damage you cause to others, but never physical damage to the car you're driving.

Non-Owner SR-22 Insurance

A non-owner policy that files SR-22 proof-of-insurance with Georgia DDS when your license reinstatement or retention depends on it. The SR-22 is a form your carrier files electronically; you maintain the underlying liability policy for the required period.

Uninsured Motorist Coverage

Protects you when hit by a driver with no insurance or insufficient limits. Georgia does not require UM, but most non-owner policies include it because it fills the gap when the at-fault driver can't pay in a tort state.

Non-Standard Auto Insurance

Coverage for drivers with violations, suspensions, or SR-22 filing requirements who don't qualify for standard-tier pricing. Non-standard carriers specialize in high-risk profiles and post-violation reinstatement.

Find Your City in Georgia

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Atlanta

urban
Columbus, Georgia cityscape and street view

Columbus

urban
Augusta, Georgia cityscape and street view

Augusta

urban

Macon

urban
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Savannah

urban
Orthodox monastery with white stone walls, twin bell towers, arched colonnade and red tile roof under blue sky

Athens

suburban
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Sandy Springs

suburban
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Roswell

suburban
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Johns Creek

suburban
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Warner Robins

suburban
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Albany

urban
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Alpharetta

suburban

Frequently Asked Questions

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