Non-owner car insurance in Tennessee: Best and cheapest companies

Which companies offer the cheapest non-owner car insurance in Tennessee?

Auto-Owners has the cheapest non-owner car insurance in Tennessee, with average annual rates of $76. Farm Bureau Insurance of Tennessee is the second-cheapest option at $393 per year. Your final rate may change based on your age, driving history, ZIP code and coverage limits.

The table below lists the most budget-friendly non-owner car insurance companies in Tennessee.

Company	Average annual premium	Average monthly premium
Auto-Owners	$76	$6
Farm Bureau Insurance of Tennessee	$393	$33
GEICO	$418	$35
Farmers	$614	$51
Erie Insurance	$701	$58
Nationwide	$842	$70

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What are the best non-owner car insurance companies in Tennessee?

The best non-owner car insurance companies in Tennessee are Farm Bureau Insurance of Tennessee, GEICO, and Erie Insurance, based on average rates, customer satisfaction, and complaint ratios. These insurers offer reliable, competitively priced non-owner coverage.

To find the best non-owner car insurance companies in Tennessee, we looked at several factors, including how many complaints each company receives, financial stability and average rates. We used rate data from Quadrant Information Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners.

The table below compares the top non-owner car insurance companies in Tennessee.

Company	Average annual premium	J.D. Power	NAIC	A.M Best	Overall score
Farm Bureau Insurance of Tennessee	$393	696	0.00	A+	4.60
GEICO	$418	670	0.60	A++	4.01
Erie Insurance	$701	718	0.77	A	3.83
Nationwide	$842	691	0.64	A	3.19
Farmers	$614	666	1.24	A	3.09

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Insurance.com's top choices for non-owner car insurance

Take a closer look at our top picks for non-owner car insurance in Tennessee.

Farm Bureau Insurance of Tennessee

Farm Bureau Insurance of Tennessee is our top choice for non-owner car insurance in Tennessee. Its average annual non-owner car insurance cost is $393. Farm Bureau Insurance of Tennessee has an AM Best score of A+ and a low NAIC complaint ratio of 0.00.

GEICO

GEICO is also a great choice for non-owner car insurance in Tennessee, offering coverage at an average annual rate of $418. It has earned an AM Best rating of A++ and maintains a low NAIC complaint ratio of 0.60.

Erie Insurance

Our third recommendation is Erie Insurance, with average rates of $701. It has an NAIC complaint ratio of 0.77 and holds an AM Best rating of A.

PEOPLE ASK:

Do I need Tennessee non-owner car insurance to drive a friend's car?

Probably not, unless you use the car a lot. If you only drive your friend's car occasionally, their insurance usually covers it under something called permissive use-as long as it's less than 12 times a year. Still, it's a good idea to check with your friend's insurance company just to be sure.

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

The average cost of non-owner car insurance in Tennessee is $507 per year, but individual rates vary significantly based on factors such as driving history, ZIP code, and coverage limits

Your rate will vary based on:

Your driving record
The coverage levels on your policy
Your ZIP code

How do age and gender affect non-owner car insurance rates in Tennessee?

Age and gender significantly impact non-owner car insurance rates in Tennessee, with younger drivers paying the highest premiums and drivers in their 50s typically receiving the lowest rates. Pricing trends reflect driving experience and statistical risk patterns.

How it works:

Teen drivers pay the highest rates due to lack of experience and a statistically higher risk of a crash
Rates start to level out around the age of 25 and continue to drop
Drivers in their 50s pay the lowest average rates
After 65, rates increase, but not dramatically

Below are the average non-owner car insurance rates in Tennessee by age and gender.

Age group	Male	Female
Teens (16-19)	$1,137	$952
Young Adults (20-24)	$805	$712
Adults (25-60)	$505	$513
Seniors (65-75)	$546	$513

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Do you need non-owner car insurance in Tennessee?

You may need non-owner car insurance in Tennessee if you frequently borrow or rent cars, need to file an SR-22, or want to maintain continuous coverage. However, it's unnecessary if you already own a vehicle or only drive occasionally.

You may need non-owner car insurance if:

You frequently drive cars owned by others and want an extra layer of protection
You frequently rent cars
You need insurance to file an SR-22 in order to reinstate your license
You want to prevent a lapse in coverage while in between cars

You don't need a non-owner policy if:

You own and insure your own vehicle
You only drive cars owned by others occasionally
You drive a company car for which insurance is provided by your employer

Non-owner vs. traditional car insurance

Non-owner car insurance is typically cheaper than standard car insurance since coverage is minimal. Non-owner car insurance only includes liability coverage, while owner car insurance can include a lot more coverage.

For example, non-owner car insurance in Tennessee doesn't pay for damages to the car you're driving or any injuries you sustain. Owner car insurance can include collision and comprehensive coverage to pay for vehicle damages.

Additionally, since insurance companies expect that people without a car will drive less often and because non-owner car insurance serves as secondary coverage to the vehicle owner's policy, the overall risk of a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. is much lower.

The table below shows a comparison of average yearly rates for non-owner and standard car insurance.

Non-owners state minimum liability only	$507
Traditional state minimum policy	$613
State minimum car insurance limits	25/50/25

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What does Tennessee non-owner car insurance cover?

Non-owner car insurance in Tennessee generally provides the minimum required liability coverage, including bodily injury and property damage liability. In no-fault states, policies will also include required personal injury protectionPersonal injury protection (PIP) pays for your medical, hospital and funeral expenses resulting from a car accident, regardless of who's at fault. (PIP) coverage. However, non-owner insurance does not cover damage to the vehicle you are driving.

Non-owner car insurance is considered secondary coverage, meaning it only kicks in after the car owner's policy limits are exceeded.

The bottom line: Non-owner car insurance in Tennessee

Drivers in Tennessee might need non-owner car insurance for different situations, like renting or borrowing a vehicle. However, this coverage typically only includes liability protection to cover property damage or injuries you cause to others. It does not cover you personally or any damage to the car you're driving.

Non-owner car insurance in Tennessee costs an average of $507 per year. Auto-Owners offers the cheapest average premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. at $76. Based on our analysis of rates, complaint data and financial strength, Farm Bureau Insurance of Tennessee is the best overall insurer for non-owner coverage in Tennessee.

Be sure to compare your options to find the best non-owner car insurance in Tennessee. You can use the tool above to quickly and easily compare non-owner insurance providers in your area.

Methodology

170+

insurance companies analyzed

34,000+

ZIP codes examined

$53M

insurance quotes analyzed

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on:

A 40-year-old driver
A clean record
Good credit
State minimum insurance, which includes liability coverage and may also include personal injury protection, medical payments and uninsured motorist coverage

Best company rankings use the rate data outline above, as well as:

Customer complaints ratios from the National Association of Insurance Commissioners (NAIC) complaints database, where a score of 1.00 is considered the baseline and anything below is a low complaint volume while anything above is considered a high volume.
Overall customer satisfaction ratings from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000.
AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

FAQ: Non-owner car insurance in Tennessee

Do I need non-owner insurance to drive a friend's car in Tennessee?

No. If you have permission to drive the vehicle, the owner's insurance policy will normally cover you. However, if accident costs exceed the policy limits, non-owner insurance can provide additional liability protection.

Can I use non-owner insurance for Uber or delivery driving in Tennessee?

No. Non-owner car insurance does not cover commercial driving activities such as Uber, Lyft or food delivery services. Drivers using vehicles for rideshare or delivery work need commercial or rideshare insurance coverage that specifically includes business-related driving risks.

Does non-owner insurance cover rental cars?

Yes. A non-owner policy will provide you with liability coverage in a rental car. However, it doesn't cover damage to the vehicle itself, only injuries and damage to others.