Non-owner car insurance covers people who drive but don’t own a car. This type of insurance provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle. It’s important as it offers peace of mind and financial protection, saving you from potential out-of-pocket expenses from accidental liabilities.
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.
- 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 $359 per year—less than liability-only coverage of $537 for Tennessee drivers.
- USAA offers the cheapest non-owner car insurance rates in Tennessee at an average cost of $10 per month.
Do I need non-owner car insurance in Tennessee?
Non-owner car insurance in Tennessee is crucial for individuals who frequently rent or borrow vehicles. It provides liability coverage if you cause an accident while driving a vehicle not owned by you, protecting you from potential out-of-pocket expenses. It can also supplement any existing coverage the car owner may have.
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.
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Average non-owner car insurance cost in Tennessee
Non-owner car insurance costs an average of $30 a month and $359 per year in Tennessee for the coverage limit of 25/50/25. It’s $178 less than liability-only coverage (50/100/50) of $537 for Tennessee drivers.
This rate may be higher or lower based on your driving profile, age, location and insurance company.
Cheapest non-owner car insurance companies in Tennessee
USAA offers the cheapest non-owner car insurance rates in Tennessee at an average cost of $10 per month, based on CarInsurance.com’s analysis. Other than USAA, State Farm and Tennessee Farmers 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.
See the cheapest companies for non-owner car insurance in Tennessee in the table below.
| Company | Annual Rates | Monthly Rates |
|---|---|---|
| USAA | $121 | $10 |
| State Farm | $209 | $17 |
| Tennessee Farmers | $259 | $22 |
| Travelers | $310 | $26 |
| Geico | $390 | $32 |
| Farmers | $395 | $33 |
| Erie Insurance | $402 | $33 |
| Nationwide | $550 | $46 |
| Progressive | $590 | $49 |
Note: These are the non-owner car insurance rates.
Non-owner car insurance in Tennessee, by age and gender
Non-owner car insurance costs in Tennessee vary by age and gender. For instance, the average rate for a 16-year-old male driver is $80 per month, while a 16-year-old female driver pays $69 a month for non-owner insurance.
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.
See how much you’ll pay for non-owner car insurance by age and gender in the table below.
| Age Group | Male | Female |
|---|---|---|
| Teens (16-19) | $74 | $64 |
| Young Adults (20-24) | $42 | $39 |
| Adults (25-55) | $31 | $31 |
| Seniors (60-75) | $32 | $31 |
Note: These are the monthly non-owner car insurance rates.
Non-owner car insurance rates in U.S. states
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Non-owner auto insurance cost in Johnson City is $26 a month or $315 a year, whereas drivers in Jackson pay $29 a month 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.
See how much you’ll pay for non-owner car insurance in your city in the table below.
| City | Annual Rates | Monthly Rates |
|---|---|---|
| Nashville | $419 | $35 |
| Memphis | $521 | $43 |
| Knoxville | $372 | $31 |
| Chattanooga | $381 | $32 |
| Clarksville | $381 | $32 |
| Murfreesboro | $375 | $31 |
| Franklin | $352 | $29 |
| Johnson City | $315 | $26 |
| Jackson | $342 | $29 |
| Hendersonville | $377 | $31 |
Note: These are the non-owner car insurance rates.
Affordable non-owner insurance in Tennessee, by ZIP code
A 40-year-old Tennessee driver living in ZIP 37601 pays $314 a year or $26 per month for non-owner car insurance, whereas insurance rates in the ZIP code 37615 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 designed for individuals who do not own a vehicle but still need coverage for the times they drive a car that is not their own. This type of insurance typically provides liability coverage, which means it will cover any damages or injuries that you may cause to others while driving someone else’s vehicle.
Non-owner car insurance can also benefit those who occasionally borrow a friend or family member’s vehicle. In such cases, having your own non-owner policy can protect you from any liability arising from an accident while driving the borrowed vehicle. It can also 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.
Aside from providing coverage for accidents, non-owner car insurance can also supplement any existing coverage the car owner may have.
For example, if you are driving a friend’s car and they only have minimum liability coverage, your non-owner insurance can help cover any additional expenses if the accident exceeds their policy 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.
By having non-owner car insurance during these gaps, you are demonstrating responsible and continuous insurance coverage, which can help keep your rates low in the future.
Final thoughts on non-owner car insurance in Tennessee
Non-owner car insurance is a good option in Tennessee to get auto insurance liability coverage if you rent or borrow vehicles occasionally, 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.
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
Sources
- Progressive. “What is non-owner car insurance?” Accessed January 2024.
- Kelly Blue Book. “Non-Owner Car Insurance: Everything You Need to Know.” Accessed January 2024.
Methodology
CarInsurance.com gathered 2023 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 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 25-55
- Senior drivers: Age 60-75
To get non-owner car insurance rates for different cities and age groups we have compared 5,108,8003 car insurance quotes across 34,588 ZIP codes from 74 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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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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Leslie Kasperowicz
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Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Tennessee