Estimates, not quotes

Non-owner car insurance in Memphis, TN

Liability coverage for Memphis drivers who don't own a car — who needs it and what it costs.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Estimated cost in Memphis

For comparison, a clean-record driver in their 30s pays about $475 for minimum coverage and $1,385 for full coverage in Memphis by our estimate.

Non-owner car insurance — estimated annual premium in Memphis
SituationMinimum coveragevs. clean record
Clean record$4750%
One at-fault accident$685+44%
DUI (with SR-22 where required)$900+89%

Non-owner policies carry liability only; our figure uses Tennessee's minimum liability estimate, which is an upper bound because non-owner policies are usually priced below owner policies.

Tennessee rules that apply

Any policy you buy must meet Tennessee's minimum of 25/50/25 liability coverage.

In Memphis, 10.3% of households don't have a vehicle (Census ACS). A non-owner policy covers your liability when you drive a borrowed or rented car and can carry an SR-22 filing if you need one.

All Tennessee car insurance rules →

How to lower the cost

  • Keep continuous coverage. A lapse, especially with an SR-22, restarts problems with the state and raises future prices.
  • Compare several insurers — companies weigh violations very differently, and some specialize in high-risk drivers.
  • Take a state-approved defensive-driving course where it earns a discount or removes points.
  • Consider higher deductibles or liability-only coverage on an older car to offset the surcharge.
  • Violations age off: most surcharges fade after three to five clean years.

Read our guide · Car insurance in Memphis

Estimate your own premium

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Estimated annual premium
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Insurance offices in Memphis

There are 110 insurance offices listed near Memphis. See the full list with directions on the Memphis car insurance page.

  • Steve Womack - State Farm 848 South Cooper Street
  • Erie Insurance 3181 Poplar Avenue
  • State Farm
  • Edward Maddox - Farmers Insurance 2151 Courtland Pl
  • Auto$ave Insurance 2550 Poplar Avenue
  • Allstate Direct Agency 1211 Getwell Rd
  • Parker Rhett - State Farm 4515 Poplar Avenue
  • Mostly Trucks 4035 Summer Avenue
  • Cynthia E Scales - Allstate 4735 Spottswood Ave
  • Blake Sims - GEICO 4726 Poplar Ave.
  • Tyler Little - State Farm 4741 Poplar Avenue
  • GEICO

Frequently asked questions

How much is non-owner car insurance in Memphis?

We estimate roughly $475 a year for a clean-record driver, since non-owner policies carry liability only. Actual prices vary by insurer.

Who needs non-owner car insurance?

People who drive often but don't own a car, drivers who must file an SR-22 without owning a vehicle, and people who want to avoid a coverage gap between cars.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page