Non-owner car insurance is designed for individuals who often drive vehicles they don’t own. It provides liability coverage, which pays for property damage or bodily injuries you cause while driving someone else’s car. It offers financial protection and peace of mind, helping you avoid substantial, unexpected expenses should an accident occur.
Non-owner car insurance is usually cheaper than standard car insurance since it doesn’t cover a Tennessee driver’s vehicle. The cost varies depending on factors such as driving record, age, years of driving experience and location.
CarInsurance.com Insights
- Non-owner car insurance costs an average of $30 a month in Tennessee for the coverage limit of 25/50/25.
- The non-owner car insurance rate is $363 per year—lower than liability-only coverage of $547 for Tennessee drivers.
- State Farm offers the cheapest non-owner car insurance rates in Tennessee at an average cost of $17 per month.
Do I need non-owner car insurance in Tennessee?
Non-owner car insurance in Tennessee is important for renting or borrowing cars. It helps cover costs if you’re at fault in an accident while driving a car you don’t own, so you’re not stuck paying for damages out of pocket. Also, it can work alongside the car owner’s insurance to offer additional coverage.
Non-owner car insurance is ideal for those who occasionally rent or borrow cars for personal or business purposes. Rather than opting for the expensive insurance offered by rental companies, you can get non-owner car insurance that offers similar coverage at a more affordable price.
Non-owner insurance can be beneficial for maintaining continuous coverage when you’re between cars, helping to keep your insurance rates lower in the future. It provides liability protection if you’re at fault in an accident, though it doesn’t cover the car you drive.
Average non-owner car insurance cost in Tennessee
Non-owner car insurance costs $30 a month or $363 per year in Tennessee for coverage limits of 25/50/25.
Your rates may differ based on your driving record, age, location and the insurance company you choose.
Cheapest non-owner car insurance companies in Tennessee
CarInsurance.com’s analysis shows that State Farm offers the most affordable non-owner car insurance rates in Tennessee, at $17 per month. Other insurers like Farm Bureau Insurance of Tennessee and Travelers also offer affordable premiums.
Non-owner auto insurance rates can differ depending on your driving history, ZIP code and coverage requirements. You should compare quotes from multiple insurers to find the best rate for your needs.
Below is a table showing the cheapest companies for non-owner car insurance in Tennessee.
| Company | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| State Farm | $209 | $17 |
| Farm Bureau Insurance of Tennessee | $258 | $22 |
| Travelers | $307 | $26 |
| Geico | $394 | $33 |
| Erie Insurance | $414 | $35 |
| Farmers | $422 | $35 |
| Nationwide | $550 | $46 |
| Progressive | $594 | $50 |
| USAA* | $121 | $10 |
Non-owner car insurance in Tennessee, by age and gender
Non-owner car insurance costs in Tennessee vary by age and gender. If you add a male teen driver to your car insurance, expect to pay an average of $957 monthly, whereas if you add a 16-year-old female, you’ll pay $825 per month, based on CarInsurance.com’s analysis.
Young drivers, regardless of gender, generally face higher insurance premiums. Their lack of experience makes them more prone to accidents, raising the risk for insurers. As drivers get older and gain more driving experience, their insurance rates typically decrease in Tennessee.
The table below shows the cost of non-owner car insurance based on age and gender.
| Driver age | Male | Female |
|---|---|---|
| Teens (16-19) | $882 | $774 |
| Young Adults (20-24) | $502 | $474 |
| Adults (25-60) | $365 | $367 |
| Seniors (65-75) | $402 | $387 |
Compare non-owner car insurance rates in neighboring states
Non-owner auto insurance in the biggest Tennessee cities
In Johnson City non-owner auto insurance costs $27 per month or $319 annually, while drivers in Jackson pay $29 monthly for the same coverage.
Insurance rates vary by city in Tennessee. Car insurance companies consider the rate of accidents, theft, and vandalism in a particular area when determining the premiums for non-owner car insurance.
Another factor that affects non-owner car insurance rates is the cost of living. Higher living expenses in any Tennessee city can lead to higher insurance rates overall, including non-owner car insurance.
The table below shows how much you’ll pay for non-owner car insurance based on your city.
| City | Annual full coverage rates | Monthly full coverage rates |
|---|---|---|
| Johnson City | $319 | $27 |
| Jackson | $347 | $29 |
| Franklin | $357 | $30 |
| Knoxville | $377 | $31 |
| Murfreesboro | $379 | $32 |
| Hendersonville | $381 | $32 |
| Clarksville | $385 | $32 |
| Chattanooga | $386 | $32 |
| Nashville | $424 | $35 |
| Memphis | $529 | $44 |
Affordable non-owner insurance in Tennessee, by ZIP code
A Tennessee driver aged 40 living in ZIP code 37690 pays $313 annually or $26 monthly for non-owner car insurance, while a 40-year-old in ZIP code 37681 with a clean driving record pays $314 per year or $26 per month.
When should you consider buying non-owner car insurance in Tennessee?
Non-owner car insurance is for individuals who don’t own a vehicle but still need coverage when driving someone else’s car. It generally offers liability coverage, which protects you if you cause damage or injury to others while driving a rented or borrowed vehicle.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have. It can offer peace of mind to the car owner, as they will not have to worry about their own insurance rates increasing due to an accident caused by someone else.
For instance, if you’re driving a friend’s car and their insurance only includes minimum liability coverage, your non-owner policy can help cover any extra costs if the accident exceeds their policy’s limits.
Moreover, maintaining continuous insurance coverage is important for keeping your future insurance rates low. This includes having non-owner car insurance when you may not own a vehicle. Insurance companies often view gaps in coverage as high-risk behavior, which can result in higher premiums.
Having non-owner car insurance during these gaps demonstrates your commitment to continuous coverage, which can help you maintain lower rates moving forward.
Final thoughts on non-owner car insurance in Tennessee
Non-owner car insurance in Tennessee is ideal for those who rent or borrow vehicles, use car-sharing services or are required to file an SR-22 form.
Non-owner car insurance is a valuable type of coverage for individuals who frequently rent or borrow vehicles. It provides liability protection while driving someone else’s car and can supplement any existing coverage the car owner may have.
It is also beneficial for maintaining continuous insurance coverage, which can help keep your rates low in the future. Consider a non-owner car insurance policy if you frequently use vehicles that do not belong to you, and get quotes from three different companies to ensure you’re getting the best rate.
Resources & Methodology
Methodology
CarInsurance.com gathered data on non-owner car insurance rates from Quadrant Information Services. The rates are for non-owner state minimum liability only and the coverage limit varies by state.
To determine non-owner car insurance rates for different companies, CarInsurance.com used a sample profile of a 40-year-old male and female driver who owns a Honda Accord LX with no traffic violations on his record. We compared 53,409,632 insurance quotes across 34,588 ZIP codes from 170 insurance companies in the U.S.
Insurance company: Based on the analysis, we have created lists of the companies that offer non-owner insurance. USAA also made it to the list, but it provides services only to current and former military members and their families.
Age group: Non-owner car insurance rates are calculated by evaluating the sample profile for different age groups.
- Teens: Age 16-19
- Young adults: Age 20-24
- Adult drivers: Age 25-60
- Senior drivers: Age 65-75
To get non-owner car insurance rates for different cities and age groups we have compared 53,409,632 car insurance quotes across 34,588 ZIP codes from 75 company groups nationwide. These are sample rates and should only be used for comparison purposes.
These are sample rates and should only be used for comparison purposes.
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