Non-Owner Car Insurance in Tennessee: The Cheapest Options and What You Need to Know

The average cost of non-owner car insurance in Tennessee is $478 per year. GEICO offers the cheapest policy, which costs an average of $183 annually. MoneyGeek’s comprehensive guide explains how non-owner car insurance in Tennessee works.

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Last Updated: 8/16/2022

Non-driver insurance in Tennessee is an ideal choice for drivers who regularly rent cars or use a car-sharing service. It’s also cheaper than traditional car insurance if you need to get your license reinstated after a driving violation.

A non-owner car insurance policy in Tennessee costs an average of $478 per year for people with a clean driving record. Drivers with a DUI pay around $718 per year.

MoneyGeek researched non-owner car insurance quotes from several insurers in Tennessee and explains when you should and shouldn’t get this type of policy.

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Cheapest Non-Owner Car Insurance Companies in Tennessee

Non-owner car insurance is a cheaper alternative to a traditional policy. To save even more money, you can compare rates from different insurers.

On average, MoneyGeek found that the cheapest companies offering non-owner car insurance in Tennessee are:

  • GEICO: $183 per year
  • State Farm: $346 per year

USAA offers the second most affordable rates at roughly $186 annually. However, these policies are only available to members of the military and their families.

MetLife has the most expensive policy, which averages $816 per year.

The rates in this analysis are for a 40-year-old driver with a non-owner car insurance policy in South Dakota with limits described in MoneyGeek’s methodology.

Cheapest Non-Owner Car Insurance Companies in Tennessee

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $183
    $15
  • USAA
    $186
    $16
  • State Farm
    $346
    $29
  • Travelers
    $350
    $29
  • Progressive
    $421
    $35
  • Farmers
    $740
    $62
  • Nationwide
    $786
    $66
  • MetLife
    $816
    $68
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How Much Is Non-Owner Car Insurance in Tennessee?

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Non-owner car insurance in Tennessee costs around $478 per year, while a traditional policy costs $558 on average. However, these rates can increase if you have a driving violation like a DUI on your record.

Drivers with a DUI will pay around $718 per year for non-owner car insurance. This is cheaper than regular car insurance for a driver with a DUI, which costs around $901 per year.

Cheapest SR-22 Non-Owner Car Insurance Companies in Tennessee

Drivers convicted of a DUI will need to file an SR-22 to get their license reinstated. A non-owner car insurance policy is an affordable option when filing an SR-22 in Tennessee.

On average, you can find the cheapest rates for drivers with a DUI from the following companies:

  • GEICO: $283 per year
  • State Farm: $346 per year

USAA offers the second most affordable rates in the state but is only available to members of the military. A non-owner car insurance policy for a driver with a DUI from USAA is around $324 annually.

The most expensive SR-22 car insurance is available from MetLife at an average of $1,988 per year.

Cheapest SR-22 Non-Owner Car Insurance Companies in Tennessee

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  • Company
    Annual Premium
    Monthly Premium
  • GEICO
    $283
    $24
  • USAA
    $324
    $27
  • State Farm
    $346
    $29
  • Progressive
    $461
    $38
  • Travelers
    $462
    $39
  • Nationwide
    $786
    $66
  • Farmers
    $1,095
    $91
  • MetLife
    $1,988
    $166
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Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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What Is Non-Owner Car Insurance in Tennessee?

A non-owner car insurance policy in Tennessee includes liability insurance and other coverages required by the state. However, it does not include comprehensive and collision coverage, also known as full coverage.

You do have the option to add uninsured or underinsured motorist coverage to your non-owner car insurance policy.

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The minimum state-mandated coverages for non-owner car insurance in Tennessee include the following:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Who Should Get Non-Owner Car Insurance in Tennessee?

Non-owner car insurance is an ideal option for you in these circumstances:

  • If you need insurance to get your license reinstated: If you got your license suspended, non-owner car insurance could provide proof of financial responsibility to get your license reinstated.
  • If you frequently rent cars or use car-sharing services: If you regularly drive rental vehicles or use car-sharing services, having non-owner car insurance instead of a traditional policy will save you money while providing you with adequate protection.
  • If you temporarily don’t have a car but want to maintain insurance coverage to avoid a lapse: If you temporarily don’t have a car, but your regular car insurance is about to expire, a cost-effective way to avoid coverage lapse is to get non-owner car insurance. This can save you money in the long run because insurers may increase your rates if you have a period when you don’t have insurance.

Who Shouldn’t Get Non-Owner Car Insurance in Tennessee?

There are times when non-owner car insurance isn’t necessary. For example, if you borrow a car from a friend in Nashville, you can receive coverage under their insurance policy as long as you have permission to drive their vehicle.

It’s also unnecessary to get a non-owner car insurance policy if you don’t rent cars frequently. For example, if you rent a car to travel outside of Tennessee and do so only once or twice a year, rental car insurance is sufficient and more cost-effective.

How to Get Non-Owner Car Insurance in Tennessee

MoneyGeek verified that all the companies listed in this guide offer non-owner car insurance. Typically, you won’t be able to request quotes for non-owner car insurance online. If you plan to buy from any of these car insurance providers, the best way to get a personal quote is to reach out to them directly using the contact numbers below.

Contact Non-Owner Car Insurance Companies in Tennessee
  • Company
    Contact Number
  • GEICO
    800-207-7847
  • USAA
    800-531-8722
  • State Farm
    800-782-8332
  • Travelers
    866-248-9970
  • Progressive
    888-671-4405
  • Farmers
    888-327-6335
  • Nationwide
    877-669-6877
  • MetLife
    800-422-4272

Frequently Asked Questions About Tennessee Non-Owner Car Insurance

There tends to be some confusion surrounding non-owner car insurance in Tennessee and how it differs from traditional insurance. Here are the most frequently asked questions about these types of policies:

Methodology

In partnership with Quadrant Information Services, MoneyGeek collected data on the average cost of non-owner car insurance in Tennessee. Rates were collected based on a 40-year old driver with a clean record and one with a DUI. We used the minimum car insurance requirements in Tennessee for this guide except for liability insurance, which includes the following limits:

  • $50,000 in bodily injury liability per person
  • $100,000 in bodily injury liability per accident
  • $50,000 in property damage liability per accident

Note that we used the same limits for the traditional car insurance data.

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