Non-Owner Insurance

Liability protection when you drive — even if you don’t own a car.

Non-owner car insurance is designed for individuals who regularly drive but don’t own a vehicle. Whether you borrow a friend’s car, rent vehicles frequently, or need to maintain continuous insurance to avoid coverage gaps, non-owner insurance provides essential liability protection when you’re behind the wheel. While it doesn’t cover damage to the vehicle you’re driving, it does help protect you financially if you cause an accident.

At Cothren Insurance Agency in Lawrenceburg, TN, we help drivers secure affordable non-owner policies that meet Tennessee requirements and provide peace of mind wherever the road takes them.

Coverage Options for Non-Owner Insurance

Bodily Injury Liability
Covers medical expenses, lost wages, and legal costs if you injure someone in an accident while driving a vehicle you do not own.

Property Damage Liability
Pays for damage you cause to another person’s vehicle or property, such as buildings, fences, or signs.

Uninsured / Underinsured Motorist Coverage
Protects you if you’re hit by a driver who has little or no insurance — an important safeguard on Tennessee roads.

Medical Payments Coverage
Helps cover medical expenses for you and your passengers after an accident, regardless of fault.

What Non-Owner Insurance Does Not Cover

  • Damage to the vehicle you are driving

  • Injuries to you if excluded from the owner’s policy

  • Vehicles owned by you or available for regular use

  • Commercial or rideshare driving unless specifically endorsed

Non-owner insurance is intended as secondary coverage, kicking in after the vehicle owner’s policy limits are exhausted.

Why Non-Owner Insurance Matters

Maintains Continuous Coverage – Avoids insurance lapses that can lead to higher premiums later.
Meets State Requirements – Helps satisfy Tennessee’s liability insurance laws.
Financial Protection – Shields you from out-of-pocket liability expenses after an accident.
Ideal for Frequent Drivers Without Ownership – Perfect for renters, borrowers, or those between vehicles.

Why Choose Cothren Insurance Agency?

Local Guidance – We help Tennessee drivers determine whether non-owner insurance is the right fit for their situation.
Cost-Effective Solutions – Non-owner policies are typically more affordable than standard auto insurance.
Independent Access – We compare multiple carriers to find the right coverage at the right price.
Trusted Support – From quotes to claims questions, we’re here to help every step of the way.