Cheapest non-owner car insurance companies in Tennessee

The cheapest non-owner car insurer in Tennessee is State Farm, with rates averaging $209. The second cheapest Tennessee non-owner insurer is Farm Bureau Insurance of Tennessee. Average rates are $258.

Compare the cheapest non-owner car insurance companies in Tennessee below.

CompanyAverage annual premiumAverage 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
Data updated in 2024
Read our full methodology

Best non-owner car insurance in Tennessee

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 Data Services as well as third-party ratings from J.D. Power, AM Best and the National Association of Insurance Commissioners.

Although State Farm came out on top, Erie Insurance and Travelers are also excellent choices for providing non-owner coverage.

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

CompanyAverage annual premiumJ.D. PowerNAICAM BestOverall score
State Farm$2098070.70A++3.48
Erie Insurance$4148290.61A+3.34
Travelers$3078510.49A++3.32
Geico$3948470.91A++2.86
Farmers$4228570.80A2.61
Nationwide$5508180.64A+2.47
Progressive$5948280.65A+2.37
Data updated in 2024
Read our full methodology

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

State Farm

Our number one pick for non-owner car insurance in Tennessee is State Farm. The average rate for liability coverage is $209. State Farm has an AM Best score of A++ and an NAIC complaint ratio of 0.7.

Erie Insurance

Another excellent choice for non-owner car insurance in Tennessee is Erie Insurance. Average rates are $414 annually. Erie Insurance has an AM Best rating of A+ and an NAIC complaint ratio of 0.61.

Travelers

Our third pick is Travelers. Travelers rates average $307. Its NAIC complaint ratio is 0.49, and it has a rating of A++.

Non-owner car insurance in Tennessee by age and gender

Whether you're looking for non-owner or standard car insurance, age and gender affect your rates in Tennessee.

Age is one of the most important factors that impacts car insurance rates. Younger drivers lack experience and are more likely to be in accidents. That means car insurance companies charge higher rates to offset claims.

Gender also plays a part in determining car insurance rates in most states. Males tend to be riskier drivers and have more injuries, leading to higher premiums.

Below are the average Tennessee rates for non-owner car insurance based on age and gender.

Age groupFemaleMale
Teens (16-19)$882$774
Young Adults (20-24)$502$474
Adults (25-60)$365$367
Seniors (65-75)$402$387
Data updated in 2024
Read our full methodology

Average annual rates for 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.

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 claim is much lower.

The table below compares average annual rates for non-owner and owner car insurance.

Non-owners state minimum policyTraditional state minimum policyState minimum car insurance limits
$363$44225/50/25
Data updated in 2024
Read our full methodology

Average cost of non-owner car insurance in Tennessee

The average cost of non-owner car insurance in Tennessee is $363, but rates may vary based on factors such as your driving record, age, and coverage level.

The bottom line: Non-owner car insurance in Tennessee

Tennessee drivers may need non-owner car insurance for various reasons, such as renting or borrowing a car. However, this type of coverage typically only offers liability coverage to pay for property damage or bodily injuries you cause to others. Coverage does not extend to you or the vehicle you're driving.

Non-owners car insurance averages $363 in Tennessee, and State Farm offers the lowest rates. In our analysis, State Farm was the top pick overall. Remember that your age, gender, and driving record significantly impact insurance rates.

Shop around to find the best Tennessee non-owner car insurance available. Use the tool above to compare non-owner insurers in your area.

Insurance.com analyzed non-owner car insurance companies in 2024 to find the cheapest and the best overall based on rates and third-party ratings.

Non-owner car insurance rates were fielded by Quadrant Data Services for a sample policy based on a 40-year-old driver with a clean record and good credit for a state minimum liability policy. These rates were one of the factors used to rank the best companies.

For additional data points in the ranking, customer complaints ratios were pulled 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 were drawn from J.D. Power's U.S. Auto Insurance Study, where companies are scored out of 1,000. Finally, AM Best financial ratings were used to indicate financial stability, where the best possible score is A++.

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