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

Georgia requires 25/50/25 liability coverage and is an at-fault state.

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Georgia at a Glance

25/50/25

Minimum liability limits, in thousands of dollars (per person / per accident / property)

At-fault

The at-fault driver's insurance pays for the damage they cause

Optional

PIP and uninsured motorist coverage are not required by law

$200

State license reinstatement fee

Source: state DMV, insurance department and statute records, verified July 2026

Georgia Non-Owner Liability Requirements

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.

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.

Property Damage Liability

Pays for damage you cause to another person's vehicle or property. A non-owner policy covers this liability when you're driving someone else's car, a rental, or a car-share vehicle.

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.

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.

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.

What Shapes Non-Owner Costs in Georgia

$22–$43/mo

Typical monthly rate in Georgia, non-owner policies

Rate data: Insure.com and MoneyGeek, 2026

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.
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Stay Insured Without Owning a Car

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If your license is suspended

Limited Driving Permit

application fee $32.

A coverage lapse is reported

The state acts on a lapse after 10 days.

Source: state DMV, insurance department and statute records, verified July 2026

Frequently Asked Questions

What does non-owner car insurance cover in Georgia?

A Georgia non-owner policy covers bodily injury and property damage liability when you drive a car you don't own — at least the state's 25/50/25 minimum. It typically includes uninsured motorist coverage. It never covers collision or comprehensive damage to the car you're driving, because you own no vehicle to repair. The policy is secondary, sitting behind any coverage on the car actually driven.

Can I get an SR-22 without owning a car in Georgia?

Yes. Georgia DDS accepts non-owner SR-22 filings when you need proof-of-insurance but own no vehicle. The SR-22 is a form your carrier files electronically with DDS; you maintain the underlying non-owner liability policy for the required 3-year period. Geico, Progressive, GAINSCO, Dairyland, and The General file non-owner SR-22s in Georgia.

Which carriers write non-owner insurance in Georgia?

Geico, Progressive, GAINSCO, Dairyland, The General, and USAA write non-owner policies in Georgia. Among these, Geico, Progressive, GAINSCO, Dairyland, and The General also file non-owner SR-22 when required by DDS. Availability varies by driving history and whether you need a filing, so comparing carriers directly is the fastest path to coverage.

How long does Georgia require SR-22 filing after a DUI?

Georgia requires SR-22 filing for 3 years after a DUI conviction, measured from the conviction date. The filing proves you carry continuous liability coverage. If the SR-22 lapses — because you cancel the policy or the carrier cancels — DDS is notified electronically and your license is automatically re-suspended.

Does a non-owner policy cover rental cars in Georgia?

A non-owner policy covers your liability when you drive a rental car in Georgia, but it does not cover physical damage to the rental itself. For damage to the rental car, you need the rental agency's damage waiver or a credit card that includes rental coverage. The non-owner policy is liability-only and secondary to any coverage the rental agency carries.

Can I get a Georgia Limited Driving Permit without owning a car?

Yes. Georgia's Limited Driving Permit (LDP) is issued by Superior Court for drivers under suspension who need to drive for work, school, medical, or other essential purposes. SR-22 filing is required for virtually all LDP categories, and a non-owner SR-22 satisfies the requirement when you own no car. The LDP is a paper permit issued by the court, not a replacement license card, and you must carry it along with your suspended license document.

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

Atlanta

urban

Columbus

urban

Augusta

urban

Macon

urban

Savannah

urban

Athens

suburban

Sandy Springs

suburban

Roswell

suburban

Johns Creek

suburban

Warner Robins

suburban

Albany

urban

Alpharetta

suburban