Non-Owner Car Insurance in Tennessee
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Liability protection for Tennessee drivers who don't own a car.
- Average owner liability each month: $50.
- Minimum liability limits: 25/50/25.
- 34th most expensive of 51 states (1st = highest).
Who non-owner insurance is for
- Often, you drive borrowed or rented cars without owning one.
- Even without a car to insure, you're asked by Tennessee for an SR-22 filing.
- You'd like to avoid breaks in coverage between cars, which can increase the price you pay next time.
What the policy covers
A non-owner policy provides liability coverage only. The Tennessee minimum of 25/50/25 is what it must meet.
If you cause a crash in a borrowed car, it pays other people. This policy won't repair the car you drive. Usually, the owner's policy pays first.
Policy costs
No official average exists for non-owner policies. For car owners in Tennessee, the average liability cost is $599 a year. Non-owner policies usually cost less because you don't have a car in your driveway every day.
More car insurance information for Tennessee
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