Cheapest And Best Non Owner Car Insurance In Tennessee

After thorough research, we’ve determined that Kemper is the top pick for affordable non-owner car insurance in Tennessee.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 23 January 2024
Written by Doug Schaffer
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For many people in Tennessee, the combined costs of car payments and insurance can eat up a substantial portion of their monthly income, sometimes even rivaling rent or mortgage payments.

This is why more and more Tennesseans are choosing to share or rent a car instead of owning one, finding financial stability and peace of mind through non-owner car insurance.

With 15 years of experience as a licensed insurance agent and over 35 years of buying car insurance, I have a deep understanding of the insurance companies reviewed here, as I’ve been insured by several of them. While all of these providers have strong reputations, each one has its unique strengths in helping our fellow Tennesseans.

Cheapest And Best Non-Owner Car Insurance In Tennessee, 2024

Best Non-Owner Car Insurance, Tennessee 2024

Comparison Of The Cheapest And Best Non Owner Car Insurance In Tennessee

Overall Rating Best For J.D Power Rating A.M Best Rating Get A Quote

Cheapest Overall



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Cheapest With A Clean Driving Record



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State Farm




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Cheapest Non Owner SR-22



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Our Methodology

I've conducted a comprehensive analysis, taking into account customer service, available products, pricing, and reviews from various online sources to offer an extensive overview of non-owner car insurance providers. This knowledge is derived from over 15 years of experience as a licensed agent, numerous interactions with representatives from different companies, and personal insurance purchases within Tennessee's insurance industry.


Quotes Analyzed


Years Of Industry Experience


Brands Reviewed


Research Hours

Reviews Of The Cheapest Non Owner Car Insurance Companies In Tennessee

Cheapest Overall

Overall Rating

Key Statistics

10/10 Affordability
7/10 Customer Reviews
8/10 Claim Payouts
10/10 Coverage Level

Why We Like Them

If you’re looking for affordable non-owner car insurance, Kemper emerges as the most cost-effective choice in Tennessee. Kemper specializes in covering high-risk drivers and provides coverage throughout the state, as well as across all 50 states, through independent agents.

While Kemper attracts Tennessee residents with its competitive rates, it does receive lower marks in customer satisfaction according to the National Association of Insurance Commissioners. Nevertheless, it remains the 11th largest insurer in the United States, underscoring its ongoing popularity.

For active-duty military members or National Guard personnel who don’t have a personal vehicle, Kemper could be an attractive option, especially if they are deployed, live on a military base, or frequently use someone else’s vehicle.

Tennessee is notorious for its high cost of living, and this includes car insurance. Traffic congestion and a significant number of drivers without adequate insurance have driven up the expenses of owning a car and getting insured, creating challenges for many.

As a result, an increasing number of individuals are choosing to forgo car ownership or use rental vehicles. Acquiring affordable non-owner car insurance is allowing many Tennesseans to save money on insurance that they don’t require for a personal vehicle.

Benefits & Drawbacks

  • Most affordable rates for non-owner insurance in Tennessee
  • Option to obtain an SR-22 if required
  • Strong AM Best financial strength rating
  • High volume of customer complaints regarding policyholder service
  • Mobile app receives low ratings

Cheapest Non Owner SR-22

Overall Rating

Key Statistics

9/10 Affordability
7/10 Customer Reviews
9/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

Farmers is a dependable choice for non-owner car insurance, especially when you require an SR-22. This document is essential when the state labels you as “high-risk” due to violations like DUIs, reckless driving, or driving without insurance.

What distinguishes Farmers is their specialized service for high-risk drivers. They not only offer SR-22 insurance but also assist drivers with suspended licenses in returning to the road smoothly and swiftly. This commitment to aiding high-risk drivers sets Farmers apart from many other insurers.

When it comes to cost, Farmers’ SR-22 Insurance is only approximately 2% pricier than regular car insurance on average. This affordability, combined with comprehensive coverage, positions Farmers as a cost-effective option for Tennessee drivers in need of an SR-22.

Opting for non-owner SR-22 insurance is a wise decision for high-risk drivers who don’t own a vehicle but still need to drive on occasion. It offers liability coverage, ensuring your financial security in case of an accident while using a borrowed or rented car.

Additionally, it enables you to maintain a steady insurance record, demonstrating your financial responsibility. This continuity prevents any gaps in your insurance history, which could lead to increased future premiums.

Benefits & Drawbacks

  • Expertise in catering to high-risk drivers
  • Most affordable rates for non-owner SR-22 coverage
  • Wide array of coverage options
  • Some policyholders have expressed concerns regarding claim handling and resolution
  • Elevated rates for individuals categorized as high-risk drivers

Cheapest With A Clean Driving Record

Overall Rating

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

Progressive is a standout choice for non-owner car insurance in Tennessee, particularly if you have a clean driving record. Their non-owner insurance provides the essential coverage needed to pay for expenses if you’re responsible for causing injury or property damage in an accident. This is crucial because Tennessee mandates financial responsibility for all vehicles on its roads.

You can secure Progressive non-owner car insurance through independent agents, and Progressive, renowned for its robust financial ratings and ability to settle claims, directly manages the service.

If your driving history is free from accidents and violations, your non-owner car insurance costs are reduced. Insurance providers view you as a lower risk, which benefits both you and the insurance companies. Safe drivers not only save money but also assist insurers in reducing their losses from claims. Maintaining a spotless driving record can significantly lower your premiums.

Benefits & Drawbacks

  • Diverse coverage choices
  • Optimal rates for responsible drivers
  • Incentives for safe driving
  • Absence of rental car coverage
  • Varied customer service feedback
  • Non-owner car insurance not accessible in every state

Best Runner-Up

Overall Rating

Key Statistics

9/10 Affordability
8/10 Customer Reviews
8/10 Claim Payouts
9/10 Coverage Level

Why We Like Them

In the domain of non-owner car insurance in Tennessee, Travelers takes the strong second spot. This is primarily due to their customized policies and top-tier customer service.

Travelers is widely recognized for their exceptional customer service, a pivotal factor in selecting an insurance provider. In the event of an accident or a claim, having an insurer that offers swift, efficient service and assists you through the process is vital. Travelers consistently demonstrates a commitment to customer satisfaction, establishing itself as a reliable choice for non-owner car insurance.

In addition to their extensive coverage options, which range from standard liability to collision and uninsured/underinsured coverage, Travelers offers comprehensive non-owner insurance protection at an affordable rate.

Non-owner car insurance primarily provides liability protection, safeguarding you from the harm you might cause to others. However, enhancing your protection by adding comprehensive and collision coverage can be a wise choice for many drivers.

Comprehensive coverage comes into play for non-collision events like theft, vandalism, or damage caused by natural disasters. This ensures that you won’t have to cover the costs out of your own pocket if any of these incidents occur.

Conversely, collision coverage comes into effect when you’re involved in an accident with another vehicle or object, regardless of fault.

Benefits & Drawbacks

  • Extensive coverage provided
  • Excellent customer service quality
  • Competitive pricing in the market
  • Absence of online quoting functionality
  • Limited availability of discounts
  • Elevated rates for drivers classified as high-risk

Best Overall

Overall Rating

Key Statistics

9/10 Affordability
10/10 Customer Reviews
10/10 Claim Payouts
8/10 Coverage Level

Why We Like Them

State Farm takes the lead as the preferred option for non-owner car insurance in Tennessee. This is thanks to its competitive pricing, a wide array of coverage options, and excellent customer service.

While State Farm may not be the absolute cheapest, it offers remarkable value for your money. With a cost of just $213 annually for non-owner liability coverage, it’s notably more affordable than the Tennessee average of $323 per year.

State Farm’s non-owner car insurance provides liability protection, ensuring financial security if you’re deemed responsible for injuries or property damage. If you already have a personal auto policy with State Farm that includes comprehensive coverage, this safeguard can extend to your rental car, providing an additional layer of security.

What truly sets State Farm apart is their unwavering commitment to customer service. They offer easy accessibility through their dedicated contact number and phone app, guaranteeing swift assistance for policyholders whenever it’s needed.

Absolutely, the cost is a key factor when selecting non-owner car insurance, but outstanding customer service is equally essential. Insurance is more than just about the price; it’s about feeling secure and receiving the necessary assistance when it’s crucial.

A prompt response to claims, a willingness to answer questions, and the provision of guidance by an insurance company are invaluable.

Benefits & Drawbacks

  • Attractive pricing compared to competitors
  • Comprehensive coverage options
  • High levels of customer satisfaction
  • Absence of comprehensive or collision coverage for non-owner policies
  • Availability of only a limited number of discounts
  • Some more affordable alternatives are present

What Is Non Owner Car Insurance

If you frequently drive cars that aren’t yours, such as rentals or borrowed vehicles, non-owner car insurance can be a wise choice.

Non-owner car insurance primarily provides liability coverage. So, if you’re at fault in an accident while driving a car that doesn’t belong to you, this policy can handle the medical and repair expenses for the other party.

Some insurers may offer additional options like protection for uninsured/underinsured drivers and personal injuries.

However, it’s important to note that non-owner insurance typically doesn’t include comprehensive or collision coverage. This means that any damage to the vehicle you’re driving might not be covered.

For those who regularly rent or borrow cars, non-owner car insurance offers an extra layer of protection, in addition to what the vehicle’s owner might already have.

It often proves to be a more cost-effective option than constantly opting for insurance from a rental company.

Furthermore, having a non-owner policy helps maintain a consistent insurance record, which could potentially lead to lower premiums if you decide to own a car in the future.

Coverage Type Non-Owner Car Insurance Full Coverage Policy
Liability Coverage Covers bodily injury and property damage you cause to others. Covers bodily injury and property damage you cause to others.
Comprehensive Coverage Does not cover damages to the vehicle you’re driving from non-collision incidents like theft, fire, or vandalism. Covers damages to your vehicle from non-collision incidents like theft, fire, or vandalism.
Collision Coverage Does not cover damages to the vehicle you’re driving from a collision, regardless of fault. Covers damages to your vehicle from a collision, regardless of fault.
Uninsured/Underinsured Motorist Protection Optional. Some insurers offer this as an additional coverage. Can cover your losses if you’re involved in an accident with an uninsured or underinsured driver.
Personal Injury Protection (PIP) Optional. Some insurers offer this as an additional coverage. Can cover medical expenses for you and your passengers, regardless of who is at fault.
Rental Car Coverage Provides liability coverage when you rent a vehicle. Typically requires additional rental reimbursement coverage.

What Is SR-22 Insurance?

From a technical standpoint, an SR-22 isn’t an insurance policy but rather a special document related to vehicle liability insurance. It’s typically required by most state Department of Motor Vehicles (DMV) offices in cases involving “high-risk” insurance.

This document, filed by your insurance provider, serves as proof that you meet your state’s minimum liability insurance requirements.

It’s often mandated for drivers with suspended licenses stemming from traffic violations, DUIs, or serious infractions.

The SR-22 form functions as evidence of financial responsibility, demonstrating that the driver possesses the necessary auto liability insurance coverage. Its primary role is to confirm that an individual maintains this insurance coverage.

Usually, it’s ordered by the state or court, particularly for high-risk drivers. The insurance company submits this form to the state. If the policy is not upheld and it lapses, the insurer is obliged to notify the state.

Average Cost Of Non Owner Car Insurance In Tennessee

Navigating the world of non-owner car insurance can be a bit complex, given the various providers and pricing variations. It’s essential to make a well-informed decision while taking the costs into account.

To make this process more straightforward, we’ve prepared a comparison chart displaying the average prices of non-owner car insurance from five well-known providers.

Insurer Average Annual Rate
Progressive $495
Travelers $420
GEICO $317
Auto-Owners $181
State Farm $276

How Much Is Non-Owner Car Insurance In Tennessee By Age?

Just as with comprehensive car insurance, non-owner car insurance is most expensive for teenagers and gradually decreases each year until you reach age 55.

Here are some example rates for non-owner car insurance in Tennessee at 10 different age points.

Age Average Annual Rate
16 $1,110
18 $750
21 $361
25 $302
35 $268
45 $259
55 $234
65 $253
70 $261

Average Cost Of Non Owner Car Insurance In Tennessee Cities

These are sample rates for cities in Tennessee:

City Sample Average Annual Rate
Monterey $211
Baxter $215
Fall Branch $217
Limestone $217
Cypress Inn $221

How Much Is Non-Owner Car Insurance In Tennessee’s 10 Biggest Cities?

The city’s size plays a role in how insurers determine car insurance costs. Residing in a large city with heavy traffic often means higher car insurance expenses.

City Average Annual Rate
Nashville $295
Memphis $389
Knoxville $267
Chattanooga $263
Clarksville $260
Murfreesboro $254
Franklin $258
Jackson $249
Johnson City $211
Hendersonville $256

How Non-Owner Insurance Rates In Tennessee Compare To Rates In Other States

Interestingly, the typical annual cost for non-owner car insurance in Tennessee stands at $323, which is below the national average of $353. Now, let’s examine the rates for non-owner insurance in the 12 most densely populated states:

State Average Annual Premium
North Carolina $937
Florida $770
New York $590
Michigan $585
Texas $419
Illinois $396
Georgia $384
National Average $353
Pennsylvania $348
California $323
Ohio $241

Should You Get Non-Owner Car Insurance In Tennessee?

Non-owner car insurance is a specialized form of auto insurance designed for individuals who don’t own a vehicle but drive on occasion. It provides liability coverage in the event you cause an accident while operating a borrowed or rented car.

In Tennessee, several groups should consider acquiring non-owner car insurance:

Frequent Renters And Borrowers:

If you frequently rent cars or borrow vehicles from friends or family, non-owner car insurance makes smart financial sense. While rental companies offer insurance, it can become costly if you rent often. Having your own policy ensures your protection without impacting the vehicle owner’s premium.

Commuters Who Use Public Transportation With Occasional Driving Needs:

Many Tennesseans primarily rely on public transport or rideshares for daily commuting and only drive occasionally. If you reside in an area with good public transportation options or prefer biking and walking for most of your travel, you might fall into this category. However, there may be situations where driving becomes necessary. Non-owner insurance ensures you have the financial protection you need in such instances.

Individuals Seeking Continuous Coverage:

Insurance providers frequently view individuals without consistent coverage as high-risk, potentially leading to higher premiums when you decide to purchase a car. If you’ve sold your vehicle and anticipate being without one for some time, a non-owner policy helps maintain uninterrupted coverage, preserving your insurance history. This can prove highly advantageous when you eventually acquire a car and require standard insurance.

What Does Non Owner Car Insurance Cover?

Non-owner car insurance primarily revolves around liability coverage, addressing costs related to injuries or damages you might be responsible for in an accident.

It’s crucial to bear in mind that this insurance won’t foot the bill for damages to the car you’re driving; that responsibility falls on the owner’s insurance.

Some non-owner policies also come with optional features like medical payments or personal injury protection (PIP), which cater to your medical expenses following an accident, irrespective of fault.

Moreover, there’s the possibility to opt for uninsured/underinsured motorist protection, which acts as a safety net if you’re involved in an accident with a driver lacking proper insurance.

However, it’s important to stress that non-owner car insurance doesn’t include comprehensive or collision coverage. So, if the vehicle sustains damage due to theft, vandalism, natural disasters, or a collision, this insurance won’t shoulder those financial burdens.

How To Get Non-Owner Car Insurance In Tennessee

To efficiently secure non-owner car insurance in Tennessee, follow these five straightforward steps:

Step 1: Determine Your Needs

Before you embark on this journey, it’s crucial to understand why you require non-owner car insurance. Are you frequently renting cars or borrowing from friends and family? Are you seeking to reinstate your license with a non-owner SR-22 form? Having a clear understanding will help you find the most suitable policy.

Step 2: Gather Your Personal Information

To receive a quote, you’ll need to provide some basic information, such as your name, address, and driver’s license number. This information allows the insurer to assess your risk level and set your premium accordingly.

Step 3: Compare Rates From Different Providers

Non-owner car insurance rates can vary between companies. It’s a smart move to compare quotes to ensure you’re securing the best deal.

Step 4: Select The Appropriate Coverage

Most non-owner car insurance policies primarily cover liability for accident-related costs. Depending on your unique needs, consider additional options such as uninsured motorist protection or medical payments. Tailoring the policy to your specific requirements is essential.

Step 5: Purchase Your Policy And Obtain Proof Of Insurance

Once you’ve made your choice, you can typically buy the policy online or over the phone. You’ll receive proof of insurance almost immediately, often through email. If necessary, your provider can assist in filing an SR-22 for you.


Who offers the cheapest non owners car insurance in Tennessee?

According to our research, Kemper offers the most budget-friendly rates for non-owner car insurance in Tennessee.

Do you need car insurance if you don’t own a car in Tennessee?

Indeed, maintaining car insurance is essential in Tennessee, even if you don’t possess a vehicle. Non-owner car insurance comes into play in such situations. If you frequently find yourself behind the wheel of borrowed or rented cars, this policy provides coverage for accidents you may be involved in while driving.

Can I buy auto insurance for someone else’s car in Tennessee?

Certainly, it’s possible to obtain insurance for a non-owned car in Tennessee. Yet, it involves a bit more complexity compared to insuring a vehicle you own. Typically, insurance companies prefer the individual insuring the car to have a financial interest in it or be a frequent driver. If you’re not the owner but frequently operate the vehicle, a non-owner car insurance policy might be the more suitable choice for you.

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