Non-owner car insurance is perfect for those who drive occasionally but don’t own a car. It provides liability coverage, ensuring that any damages or injuries you cause to others while driving someone else’s car are covered. With this insurance, you can drive knowing you’re financially protected.
Non-owner car insurance is usually more affordable than regular car insurance, as it doesn’t cover your own vehicle. The premium varies based on your driving record, age and location.
- 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.
One common scenario where non-owner car insurance comes into play is when individuals frequently rent cars for personal or business use. Instead of purchasing insurance through the rental car company, which can be expensive, non-owner car insurance can provide similar coverage at a more affordable cost.
Furthermore, maintaining continuous insurance coverage, including non-owner insurance when you’re between cars, can help keep your insurance rates low in the future. It can protect you if you’re involved in an accident and are found to be at fault. However, it doesn’t provide coverage for the vehicle you’re driving.
Average non-owner car insurance cost in Tennessee
Non-owner car insurance costs an average of $30 a month and $363 per year in Tennessee for the coverage limit of 25/50/25.
This rate can vary depending on factors such as your driving history, age, location and the insurance company.
Cheapest non-owner car insurance companies in Tennessee
State Farm offers the cheapest non-owner car insurance rates in Tennessee at an average cost of $17 per month, based on CarInsurance.com’s analysis. Other than State Farm, Farm Bureau Insurance of Tennessee and Travelers also have cheap non-owner insurance premiums.
Non-owner auto insurance rates may vary based on your driving record, ZIP code, and coverage needs. It’s a good idea to compare quotes from multiple insurers to find the best rate for your specific situation.
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 |
Note: *USAA is only available to military community members and their families.
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, both male and female, typically pay higher insurance rates. Inexperienced drivers are more likely to be involved in accidents, which increases the risk for insurance companies. As drivers age, they gain more experience behind the wheel and thus pay lower rates compared to teen drivers 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 the average cost of non-owner auto insurance is $27 per month or $319 per year, and Jackson drivers pay $29 a month for the same coverage.
In Tennessee, car insurance rates differ by city, as insurance companies assess the frequency of accidents, theft and vandalism when determining non-owner car insurance premiums.
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 40-year-old Tennessee driver living in ZIP 37690 pays $313 a year or $26 per month for non-owner car insurance, whereas insurance rates in the ZIP code 37681 is $314 a year or $26 per month for a driver age with a clean driving record.
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.
In addition to covering accidents, non-owner car insurance can help fill in gaps, offering extra protection on top of the car owner’s existing policy. It gives the car owner peace of mind, knowing their insurance rates won’t increase because of an accident caused by someone else.
For example, if you’re driving a friend’s vehicle with only basic liability coverage, your non-owner insurance can help cover the extra costs if the damages exceed their policy’s coverage limits.
Keeping continuous insurance coverage is key to securing lower rates in the future. This includes having non-owner car insurance when you don’t own a vehicle. Insurance companies often see gaps in coverage as a sign of high risk, which could lead to 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 is an excellent choice in Tennessee if you occasionally rent or borrow vehicles, use a car-sharing service or need 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.
By maintaining continuous coverage with a non-owner car insurance policy, you can keep your rates lower in the future. If you regularly use rented or borrowed vehicles, get quotes from multiple insurance companies to ensure you get the best deal.
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.
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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