Non-owner auto insurance in Tennessee: Which company has the cheapest rates?

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It costs an average of $300 per year for non-owner car insurance in Tennessee, which is $80 lower than the average nationally, according to a 2023 rate analysis from Insure.com.

In Tennessee, these policies are available from companies such as Geico, State Farm, Travelers and many others.

“Non-owner policies provide the minimum coverage required by the state, as well as some optional add-ons, but there are specific requirements by the insurance carriers to provide this coverage in lieu of a traditional auto insurance policy,” says Patti Clement, senior vice president of private client services at HUB International, a leading personal insurance brokerage.

In addition to understanding the various requirements, it’s important to learn what non-owner insurance is, which companies offer it and how much it costs in Tennessee.

How much does non-owner car insurance cost in Tennessee?

Non-owner insurance is usually cheaper than typical auto insurance—insurance companies consider non-owner policyholders less risky because they have limited access to a vehicle.

On average in the United States, it’s $1,682 annually for a 100/300/100 full coverage insurance policy—$100,000 for injuries you cause in an accident, up to $300,000 per accident, and $100,000 for property damage. This is applicable for those drivers with clean driving records and good credit scores. It costs $1,311 a year in Tennessee.

On the other hand, non-owner auto insurance is $380 a year on average in the U.S. and $300 in Tennessee.

But there are various factors to consider when comparing rates, such as which insurer you buy from, your age and driving history and also where in Tennessee you live.

Which insurer offers the cheapest non-owner insurance rates in Tennessee?

In Tennessee, Auto-Owners’ non-owner insurance policy is the cheapest at $42 on average.

At $403, Nationwide charges the highest annual rate for non-owner insurance in the state.

Experts recommend comparing quotes from many different insurance companies so that you can find the best rate available. The cheapest non-owner insurance policies in the state are listed below.

Cheapest non-owner insurance rates in Tennessee

Note that USAA only offers coverage to military members, veterans and their families.

How much is non-owner car insurance in Tennessee by age?

Age is also an important factor when it comes to pricing. Statistically, young drivers are riskier because they haven’t been driving for long and are more likely to cause an accident than older, more experienced drivers. In Tennessee, a 45-year-old will pay $297 annually on average for a non-owner insurance policy compared to a 16-year-old driver who will pay $1,336 on average.

Average non-owner car insurance rates in Tennessee by age and gender

Which Tennessee cities have the cheapest non-owner auto insurance?

It’s common for rates to vary greatly from ZIP code to ZIP code. Insurers consider the number of thefts, collisions and vandalism in different areas when calculating rates.

Below are charts displaying the cities in Tennessee with the cheapest and most expensive non-owner auto insurance rates.

The 20 Tennessee cities with the lowest non-owner auto insurance rates

The 20 Tennessee cities with the highest non-owner car insurance rates

How much is non-owner car insurance in Tennessee’s 10 biggest cities?

The largest cities in Tennessee sometimes have significantly different non-owner insurance rates. The non-owner insurance price in Memphis is the highest at $382, but Johnson City has the least expensive prices among the state’s largest cities at $219.

Non-owner auto insurance rates in Tennessee’s 10 largest cities

How non-owner insurance rates in Tennessee compare to rates in other states

The rates for non-owner auto insurance will vary from state to state. The average non-owner insurance rate in Tennessee is $300, which is lower than the national average of $380. South Dakota is the cheapest at $170 annually, followed by Idaho at $190 a year and Iowa at $193 per year.

Non-owner car insurance rates in the 10 most populous  states

How to get non-owner car insurance in Tennessee

Getting a non-owner insurance policy is as simple as providing your driver’s license and a credit or debit card.

To purchase a policy, follow these steps:

1. Contact an auto insurance agent about the coverage
2. Supply your basic driving history
3. Review the information you receive on the insurers and rates
4. Choose the policy that best meets your needs
5. Put down a payment to begin coverage

In many cases, you’ll get proof of insurance almost immediately.

For a quote on a non-owner insurance policy, don’t go online and call your insurer instead.

“You must pick up the phone to request a non-owner insurance quote. Although the majority of the major auto insurance providers provide non-owner policies, none of them provide online non-owner insurance estimates,” says Bruce Mohr, senior investment advisor and credit consultant at Fair Credit, a consumer-credit service and consulting company.

Here are a few insurers with their contact numbers to call for a non-owner insurance quote.

• State Farm: 800-782-8332
• Geico: 800-207-7847
• Progressive: 888-671-4405
• Allstate: 800-726-6033.
• USAA: 800-531-8722

Methodology

Insure.com in 2023 compiled non-owner insurance rates from Quadrant Information Services for a 40-year-old male with a good driving record looking for a state minimum, liability-only policy.