Auto-Owners offers Tennessee's cheapest non-owner car insurance at just $14, less than half the state's $30 average. Explore other cost-effective options in the table below.
Cheapest Non-Owner Car Insurance in Tennessee
Updated: January 31, 2025
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Best Cheap Non-Owner Car Insurance in Tennessee: Key Takeaways
Auto-Owners offers the cheapest non-owner SR-22 car insurance for drivers with a driving incident in Tennessee, with an average monthly cost of $25.
Non-owner insurance covers you when driving a vehicle that isn’t yours, as long as you meet the state's minimum coverage requirements.
Consider non-owner insurance if you frequently borrow or rent vehicles or need to reinstate your license but can't afford a traditional policy.
Cheapest Non-Owner Car Insurance in Tennessee
| Auto-Owners | $171 | $14 |
| State Farm | $272 | $23 |
| GEICO | $315 | $26 |
| Farmers | $411 | $34 |
| Travelers | $417 | $35 |
| Progressive | $492 | $41 |
| Nationwide | $600 | $50 |
Cheapest Non-Owner SR-22 Car Insurance in Tennessee
Auto-Owners offers Tennessee's most affordable SR-22 non-owner policy at just $25 monthly, below the state average of $45 for minimum coverage. The table below compares other SR-22 providers.
| Auto-Owners | $295 | $25 |
| State Farm | $302 | $25 |
| GEICO | $470 | $39 |
| Travelers | $544 | $45 |
| Farmers | $606 | $51 |
| Nationwide | $692 | $58 |
| Progressive | $892 | $74 |
How Much Is Non-Owner Car Insurance in Tennessee?
Tennessee's average monthly non-owner car insurance cost is $30, less than the national average of $43. SR-22 insurance typically costs around $45, compared to $48 nationally. Your premium may vary based on your driving history and other personal factors.
Non-Owner Car Insurance Cost Comparison: National vs. State
National Average Cost
Monthly Premium
$43
Tennessee Average Cost
Monthly Premium
$30Non-owner car insurance in Tennessee is cheap:$13 saved
This is 30% less expensive.
Tennessee Non-Owner Car Insurance: Buyer's Guide
Our guide helps drivers decide if non-owner insurance is the right choice. It explains what the coverage is, how it differs from regular policies and the costs involved.
What Is Non-Owner Car Insurance?
Non-owner insurance is for people who drive a lot but don't own a car. It covers costs if you're at fault in an accident. It's ideal for those who rent cars or use car-sharing. Below, compare non-owner plans to regular insurance.
Policy Coverage | Standard Policy | Non-Owner |
|---|---|---|
✔ | ✔ | |
Medical payments | ✔ | ✔ |
Personal injury protection | ✔ | ✔ |
Uninsured/underinsured motorist | ✔ | ✔ |
✔ | ✔ | |
Collision | ✔ | |
Comprehensive | ✔ |
Does Tennessee Allow Non-Owner Car Insurance?
Tennessee residents can get non-owner car insurance, essential for those who drive but don't own a car. If you must file an SR-22 to prove financial responsibility, this plan meets state minimum requirements.
TENNESSEE MINIMUM INSURANCE REQUIREMENTS
Tennessee's minimum coverage requirements apply to non-owner car insurance as well. The limits are:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
These state minimums may not fully protect you. Review how much coverage you need before getting a policy to ensure you're adequately covered.
Should You Get Non-Owner Car Insurance in Tennessee?
Non-owner insurance is ideal for drivers who don’t own a car but often rent or borrow one. It’s an affordable option that meets state minimum requirements. Understand your driving habits to determine if this coverage is right for you.
AVOID ONE-DAY CAR INSURANCE
Be cautious of providers offering "one-day insurance" in Tennessee, as it's likely a scam. For short-term coverage, like for a move or road trip, getting insurance through a car rental company is safer.
Who Should Consider Non-Owner Car Insurance?
The following types of drivers should consider a non-owner car insurance policy:
Car borrowers
Non-owner insurance covers car borrowers when driving someone else's vehicle, protecting them from out-of-pocket costs in case of an at-fault accident.
Occasional renters
Non-owner car insurance provides continuous coverage, potentially saving money compared to renting insurance and ensuring protection in case of an accident.
Drivers between cars
Non-owner insurance helps prevent coverage gaps, avoiding higher premiums later. It covers you when driving borrowed or rented vehicles.
License reinstatement-seekers
Non-owner insurance fulfills the proof of insurance requirement for reinstating a driver's license after a suspension, offering an affordable solution without owning a vehicle.
WHAT IS SR-22 INSURANCE?
An SR-22 or Certificate of Financial Responsibility (CFR) is a form your insurer sends to the DMV to prove you have minimum coverage auto insurance. Drivers may need an SR-22 after incidents like a DUI or driving without insurance so they can legally drive.
Cheap Non-Owner Car Insurance in Tennessee: Bottom Line
Tennessee drivers can get non-owner car insurance, even with SR-22 needs. Auto-Owners is the most affordable provider, followed by State Farm and GEICO. To find the best deal, compare quotes from multiple providers.
Non-Owner Car Insurance in Tennessee: FAQ
Find answers to common questions about non-owner car insurance in Tennessee below.
Which company offers the cheapest non-owner car insurance in Tennessee?
Auto-Owners offers the most affordable non-owner car insurance in Tennessee at about $14 monthly and SR-22 at $25.
How much does non-owners car insurance cost in Tennessee?
In Tennessee, non-owner car insurance costs an average of $360 annually or $30 monthly for drivers with clean records. For those needing SR-22 insurance, the average annual cost rises to $543 or $45 monthly.
Tennessee Non-Owner Car Insurance Ratings: Our Review Methodology
MoneyGeek compiled Tennessee auto insurance rates by collecting data from the Tennessee Department of Commerce and Insurance and Quadrant Information Services. We examined 240 car insurance quotes from five providers to identify the state's best and most affordable options.
Coverage Levels
We compared non-owner car insurance rates from companies in Tennessee using minimum coverage policies. The state-required minimum coverage includes:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
Drivers and Cars in Tennessee
To find the best and most affordable companies for non-owner car insurance in Tennessee, we used a sample driver profile with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- Good credit history
- 12,000 miles driven annually
Learn more about MoneyGeek's car insurance methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.