Non-owner car insurance in Georgia

What insurers offer non-owner coverage in Georgia?

Quotes for 5 insurers are listed here, from the lowest price upward. Only military families can buy from USAA, whose rate here is $250.

What liability limits must every Georgia driver carry?

The rule in Georgia is brief. Liability insurance is required for all drivers. Other people get paid through this insurance if you harm them. You can find the minimums on the insurance commissioner's auto page. For a single injured person, you need $25,000 of coverage. When several people suffer injuries in a single incident, the combined coverage must be at least $50,000. If you damage another person's property, the coverage required is $25,000.

A non-owner policy follows those same limits but attaches to you, not to a vehicle. That same office cautions that some drivers unknowingly let a policy drop or get canceled. Those drivers count as uninsured under Georgia law, and that is how a no-insurance case starts.

SR-22A: Georgia's proof of insurance paid in full

Georgia's driver agency is direct about it. Even without a car, after a second no-insurance conviction you are required to obtain a non-owner policy. The policy must carry the SR-22A, which is proof paid for in advance.

The Department of Driver Services (DDS) is responsible for processing this filing. The department’s answers on suspensions for lacking proof of insurance state that a second or later “No Insurance” conviction means you must get an SR-22A policy and maintain it. Your insurer files a certificate with DDS to verify your coverage, and that document is the SR-22A. Even if you own no car, you still must comply; DDS sends those drivers to a non-owner policy with an SR-22A.

You pay the full cost of that policy every six months in advance. Three years is the term, running from the date you were convicted. A regular SR-22 marked "Paid In Full" also qualifies." DDS will take the certificate by fax from your insurance company. For a policy bought outside the state, you need a payment receipt and evidence that it satisfies Georgia's minimums.

How to restore a Georgia license after a no‑insurance suspension

During a second no-insurance suspension, the state will not issue any limited permit. You must complete a 90‑day waiting period before you can reinstate, which means getting your license back. Pay by mail, and a second or later no‑proof reinstatement costs $300; pay in person, and it is $310, according to the DDS fee table. A first violation costs $200 when you pay by mail and $210 when you pay at the office. DDS requires the whole payment upfront and will not take partial amounts.

After that, the three-year requirement still applies. Your license gets canceled by DDS if the SR-22A policy is ended early, because the insurer tells them. To check your convictions, suspensions, and what comes next, sign in through the DDS license status page.

What you pay in Georgia, by age

Teen drivers are charged around $2,398 each year. A non-owner policy at $510 costs roughly $350 less than the $860 yearly average for a 40-year-old who insures an owned car at minimum limits.