Cheapest and Best Non-Owner Car Insurance in Tennessee (2024)

Non-owner car insurance in Tennessee provides liability coverage for drivers without their own vehicles. It’s a good option if you’re borrowing a car or need to maintain continuous coverage. Non-owner car insurance may also be needed to reinstate a suspended license following violations like DUIs.

Our study found that Auto-Owners offers the best and most affordable non-owner car insurance in Tennessee, ensuring a balance of affordability and quality service. It's the cheapest option for both drivers with clean records and those with violations.

Tennessee drivers can find the most affordable non-owner car insurance policies from these providers:

• Drivers with clean records: Auto-Owners ($14 per month)
• Drivers with violations: Auto-Owners ($25 per month)

Having a driving offense on your record may result in higher insurance costs, even for non-car owners. The cheapest option for drivers with violations is $11 more per month than the most affordable option for those with clean records.

For Tennessee residents with clean driving records, the most affordable non-owner auto insurance is from:

• Auto-Owners: $14 per month
• State Farm: $23 per month

USAA offers non-owner car insurance at approximately $17 per month but is only available to former and current military personnel and their families.

The cheapest non-owner car insurance policies in Tennessee cost an average of $14 per month, which is much lower than the national average of $43 per month.

The most affordable non-owner car insurance in Tennessee for drivers with violations are:

• Auto-Owners: $25 per month
• State Farm: $25 per month

For military members in Tennessee with driving violations, USAA offers affordable SR-22 insurance at approximately $25 per month.

If you have a driving offense, such as a DUI or an at-fault accident on your record, you may need to file an SR-22, which can lead to an increase in your insurance costs. The cheapest non-owner SR-22 insurance in Tennessee averages $25 per month, which is $34 below the national average.

Non-owner car insurance in Tennessee provides liability coverage for individuals who drive but don’t own a car. It offers financial protection for bodily injuries and property damage that you cause to others in an accident. However, it doesn’t provide coverage for your own injuries or damages to the car you’re driving since it lacks comprehensive and collision coverage.

If you regularly use rental cars, borrow vehicles from friends or family or need coverage to avoid a lapse in coverage, non-owner car insurance can be a good option. The following table highlights the coverage differences between non-owner and full coverage policies.

In Tennessee, the average cost of car insurance is $30 per month, which is lower than the national average of $43 per month.

While location does play a role in determining insurance rates, factors like age, driving record, coverage limits and vehicle type have a bigger impact on your premiums. It’s important to consider these variables when assessing your insurance costs and coverage needs.

MoneyGeek’s analysis found that the best non-owner car insurance companies in Tennessee are:

• Auto-Owners: MoneyGeek score 78 out of 100 ($14 per month)
• State Farm: MoneyGeek score 69 out of 100 ($23 per month)
• GEICO: MoneyGeek score 67 out of 100 ($26 per month)

Our scoring system takes into account factors such as affordability, customer service data from J.D. Power and financial stability ratings from AM Best.

The following overviews of the state’s leading non-car owner insurance providers can help you choose the best provider for your specific needs.

Non-owner car insurance is designed for individuals who don't own a vehicle but regularly use rental cars, borrow vehicles or wish to maintain continuous insurance coverage. It can also help drivers get their licenses reinstated following a driving offense.

Here are responses to common questions regarding non-owner car insurance in Tennessee to help you make an informed choice.