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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

CompanyAverage annual premium
Auto-Owners$42
USAA$111
Geico$140
State Farm$200
Travelers$287

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

AgeMaleFemale
16$1,397$1,274
17$1,168$1,070
18$1,023$938
19$676$615
20$630$569
21$520$471
22$458$416
23$437$404
24$403$381
25$362$360
30$322$320
35$309$313
40$300$305
45$295$298
50$289$290
55$282$280
60$285$282
65$296$297
70$328$327
75$356$352

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

Cities in TennesseeLowest non-owner car insurance rates
Buffalo Valley$211
Monterey$211
Telford$213
Baxter$214
Silver Point$214
Fall Branch$215
Limestone$215
Cookeville$216
Mountain Home$216
Waynesboro$217
Clifton$218
Collinwood$218
Johnson City$219
Elizabethton$220
Jonesborough$220
Milligan College$220
Cypress Inn$221
Watauga$221
Bristol$222
Hampton$222

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

Cities in TennesseeHighest non-owner car insurance rates
Memphis$382
Ellendale$357
Millington$342
Bartlett$336
Germantown$335
Arlington$332
Brunswick$327
Collierville$319
Antioch$309
Eads$308
Hermitage$306
Madison$301
Oak Hill$296
Brighton$293
Old Hickory$292
Nashville$291
Atoka$290
Whites Creek$281
Goodlettsville$279
Oakland$279

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

10 largest cities in TennesseeNon-owner car rates
Memphis$382
Nashville$291
Chattanooga$266
Clarksville$265
Knoxville$261
Hendersonville$260
Murfreesboro$259
Jackson$250
Franklin$246
Johnson City$219

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

StateAverage annual premium
North Carolina$926
Florida$759
New York$578
Michigan$574
Texas$408
Illinois$385
National Average$380
Georgia$373
Pennsylvania$337
California$323
Ohio$230

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.