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

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Non-owner auto insurance in Tennessee costs $251 a year, which is $102 lower than the rest of the nation on average, according to a rate analysis by Insure.com.

In Tennessee, non-owner policies are available from companies such as Geico, State Farm and Travelers.

Non-owner car insurance is a policy for people who don’t own a car but often borrow or rent a vehicle. It provides liability coverage for bodily injury and property damage in case you get in an accident while driving a car owned by someone else.

“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.

Learn more about the various requirements, 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?

Insurers view non-owner policyholders as less risky due to their limited access to a vehicle, and therefore, it’s usually cheaper to buy non-owner insurance than full coverage car insurance.

On average in the U.S., it costs a driver with a clean driving record and good credit score $1,895 a year 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. In Tennessee, full coverage car insurance costs $1,311.

Meanwhile, non-owner auto insurance costs $353 a year on average in the United States and $251 in Tennessee.

But various factors affect individual rates, such as where in Tennessee you live, your age and driving history and other factors.

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

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

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

The best way to find the lowest price is to compare quotes from several different insurers. We have listed Tennessee’s most affordable non-owner insurance policies 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?

Older drivers have more time behind the wheel than younger, inexperienced drivers and are less likely to be in an accident. Their rates are usually less expensive than those of younger drivers. On average, Tennessee non-owner insurance costs $249 a year for a 45-year-old, while it’s $950 for a 16-year-old driver.

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

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.

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

Rates differ from city to city. Insurers consider the number of thefts, collisions and vandalism in an area when calculating rates.

Below are the cheapest and most expensive cities for non-owner car insurance in Tennessee.

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 have different non-owner insurance rates. The cost of non-owner insurance in Memphis is the most expensive at $382; Johnson City has the cheapest rates of the state’s most populous cities at $219.

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

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

Non-owner car insurance rates also differ from state to state. Tennessee’s average non-owner insurance rate is $251 a year, lower than the $353 national average. At $170 per year, South Dakota is the least expensive, followed by Idaho at an average of $190 a year. Iowa is the third most affordable at $193 annually.

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

What does non-owner auto insurance cover? 

Non-owner auto insurance provides coverage when you are driving a vehicle you don’t own. “If someone with non-owner auto insurance is involved in an accident while driving a rental car or a friend’s car, the policy typically covers liability for damages and injuries to others,” says Golnoush Goharzad, a personal injury attorney in California. 

 An important caveat is these policies don’t cover damage to the car you are driving. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency,” Goharzad says.  

Goharzad adds that non-owner auto insurance policies may provide extra coverage. “Non-owner policies may also provide supplementary liability over and above what the car owner’s policy covers, filling in gaps if the primary policy’s limits are exhausted.” 

How to get non-owner car insurance in Tennessee

To get a non-owner policy, you need your driver’s license number 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

Often, you’ll receive proof of insurance very quickly.

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 some 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.

What our expert says

Q: Does a non-owner policy cover damage to your car?

Golnoush GoharzadPersonal injury attorney, California.

These policies don’t cover damage to the car you are driving, Goharzad says. “That would be covered under the car owner’s policy or possibly through optional insurance purchased from the rental agency.”

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Leslie Kasperowicz

Managing Editor

 

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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 Insurance.com.