- Cheapest non-owner car insurance companies in Tennessee
- Best non-owner car insurance in Tennessee
- Insurance.com's top choices for non-owner car insurance
- Average cost of non-owner car insurance in Tennessee
- Non-owner car insurance in Tennessee by age and gender
- Non-owner vs. traditional car insurance
- What does Tennessee non-owner car insurance cover?
- The bottom line: Non-owner car insurance in Tennessee
- Methodology
- Compare Tennessee non-owners car insurance rates with other states
Cheapest non-owner car insurance companies in Tennessee
State Farm offers the lowest non-owner car insurance rates in Tennessee, with an average cost of $209. The next most affordable option is Farm Bureau Insurance of Tennessee, which has an average rate of $258.
The table below lists the most budget-friendly non-owner car insurance companies in Tennessee.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| State Farm | $209 | $17 |
| Farm Bureau Insurance of Tennessee | $258 | $22 |
| Travelers | $307 | $26 |
| GEICO | $394 | $33 |
| Erie Insurance | $414 | $35 |
| Farmers | $422 | $35 |
| Nationwide | $550 | $46 |
| Progressive | $594 | $50 |
| USAA | $121 | $10 |
Best non-owner car insurance in Tennessee
Although State Farm came out on top, Erie Insurance and Travelers are also excellent choices for providing 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 | AM Best | Overall score |
|---|---|---|---|---|---|
| State Farm | $209 | 807 | 0.70 | A++ | 3.48 |
| Erie Insurance | $414 | 829 | 0.61 | A+ | 3.34 |
| Travelers | $307 | 851 | 0.49 | A++ | 3.32 |
| GEICO | $394 | 847 | 0.91 | A++ | 2.86 |
| Farmers | $422 | 857 | 0.80 | A | 2.61 |
| Nationwide | $550 | 818 | 0.64 | A+ | 2.47 |
| Progressive | $594 | 828 | 0.65 | A+ | 2.37 |
Insurance.com's top choices for non-owner car insurance
Explore our top recommendations for non-owner car insurance in Tennessee.
State Farm
Our top choice for non-owner car insurance in Tennessee is State Farm, with an average rate of $209 for liability coverage. State Farm holds an AM Best rating of A++ and has an NAIC complaint ratio of 0.7.
Erie Insurance
Erie Insurance is another great option for non-owner car insurance in Tennessee, with average rates of $414 per year. It has an AM Best rating of A+ and a low NAIC complaint ratio of 0.61.
Travelers
Our third recommendation is Travelers, with average rates of $307. It has an NAIC complaint ratio of 0.49 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.
Average cost of non-owner car insurance in Tennessee
Non-owner car insurance in Tennessee costs $363 on average. However, your actual rate may vary depending on factors like your driving history, age and the level of coverage you choose.
Non-owner car insurance in Tennessee by age and gender
Both your age and gender can affect your insurance rates, whether you're looking for non-owner or standard car insurance in Tennessee.
Age is a key factor in determining car insurance rates. Since younger drivers have less experience and a higher chance of being involved in accidents, insurance companies charge them higher premiums to cover the risk.
Gender also influences car insurance rates in many states. Men are generally seen as higher-risk drivers and are more likely to be involved in accidents, which often leads to higher insurance premiums.
Below are the average non-owner car insurance rates in Tennessee by age and gender.
| Age group | Female | Male |
|---|---|---|
| Teens (16-19) | $882 | $774 |
| Young Adults (20-24) | $502 | $474 |
| Adults (25-60) | $365 | $367 |
| Seniors (65-75) | $402 | $387 |
Non-owner vs. traditional car insurance
Non-owner car insurance costs less than standard car insurance because it provides minimal coverage. It only includes liability coverage, while standard auto insurance offers many additional types of coverage.
For example, non-owner car insurance in Tennessee doesn't cover damage to the car you're driving or your injuries. Standard car insurance may include collision and comprehensive coverage to help pay for car repairs.
Furthermore, because insurance companies anticipate that people who don't own a car will drive less frequently, and because non-owner car insurance is secondary to the owner's policy, the 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 compares average annual rates for non-owner and owner car insurance.
| Non-owners state minimum policy | $363 |
| Traditional state minimum policy | $442 |
| State minimum car insurance limits | 25/50/25 |
What does Tennessee non-owner car insurance cover?
A Tennessee non-owner car insurance policy provides only the basic coverage required to drive legally. It satisfies all the minimum car insurance requirements in Tennessee, but it won't cover any damage to the vehicle you're 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 may need non-owner car insurance if they frequently rent or borrow a car. This coverage only includes liability protection, which pays for property damage or injuries you cause to others. It doesn't cover you or the car you're driving.
In Tennessee, non-owner car insurance costs an average of $363, with State Farm offering the most affordable rates. Based on our research, State Farm stands out as the best overall option. Remember, factors like your age, gender and driving history can significantly affect your insurance rates.
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++.
Compare Tennessee non-owners car insurance rates with other states
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