Cheap Tennessee Car Insurance

Find affordable auto insurance that works for you in Tennessee. Compare quotes from over 100 top companies.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

Here's what you need to know when driving in Tennessee

Across the Volunteer State, there are 194,755 miles of road just waiting to be driven. Learn about average insurance rates in Tennessee for a variety of driving profiles and check out quotes from quality, low-cost insurance companies in your state. 


 

Affordable insurance companies in Tennessee

What's the cheapest car insurance in Tennessee?
RankCompany NameAvg. Annual Premium
1Penn National$805
2Auto-Owners$844
3USAA$1,112
4State Farm$1,158
5Travelers$1,189
6Nationwide$1,292
7Progressive$1,393
8State Auto$1,719
9Safe Auto$1,822
10Safeco$1,941

Compare quotes from dozens of providers that offer coverage throughout Tennessee. Enter your ZIP code below to get started.

Compare Tennessee car insurance quotes from top providers.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

Cheap auto insurance for good drivers in Tennessee

Drivers with clean driving records typically enjoy lower car insurance costs than drivers with histories of speeding tickets, at-fault accidents, or DUI citations. Unfortunately, Tennessee state drivers without a recent at-fault accident save only 26% on their car insurance premiums, on average — well below the US average of 32%. In addition to earning a cheaper premium for driving incident-free, you may qualify for a safe-driving bonus through your car insurance company. The amount of these discounts may vary, but they typically run between 5 and 10%.

Rating Factor$ Savings% Savings
No Traffic Tickets$23815.49%
No Accidents$46426.30%
Good Credit$1,37951.48%

 

Cheap auto insurance for young drivers in Tennessee

Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16-19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Tennessee, teen drivers pay insurance rates in line with the national average: $4,741 per year.

AgeAnnual Rate with ParentsAnnual Rate Alone
16$4,454$7,926
17$4,153$5,945
18$3,832$4,948
19$3,457$3,215

 

Cheap auto insurance for bad drivers in Tennessee

If you have a clean driving record — no at-fault accidents, speeding tickets, DUIs, or other recent citations — you'll probably enjoy relatively cheap car insurance rates. Conversely, a bad driving record will cause your costs to skyrocket: car insurance premiums typically increase by 31% after a DUI, 26% after an at-fault accident, and 15% after a speeding ticket in Tennessee. The post-citation penalties assessed by car insurance companies in Tennessee are slightly more forgiving than nationwide averages. If you have a clean driving history, be sure to inquire about your insurance company's safe driver discount.

Rating FactorAnnual Rate% Increase
At-Fault Accident$1,76426.30%
DUI$1,90331.71%
Speeding Violation$1,53815.49%
Bad Credit$2,67951.48%

Compare insurance rates quickly and easily.

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

Top rated car insurance companies in Tennessee

Every auto insurer advertises its low premiums. But as with any product, the cheapest car insurance option isn't always the best choice. Considering what's at stake, it's worth doing your research to discover an auto insurance policy that insures your car completely after a collision. Find a great value, rather than settling for the most affordable auto insurance in your state.

Use the table below to better understand the quality of service you'll receive. You'll see reviews for popular auto insurers' financial strength, claims satisfaction, and customer satisfaction including an internal satisfaction score from The Zebra's customers. 

 

Insurance Company

Claims Satisfaction

(J.D. Power)

Customer Satisfaction

(J.D. Power)

Financial Strength

(A.M. Best)

Customer Satisfaction

(The Zebra)

Auto-OwnersExcellentAbove averageSuperiorN/A
ChubbN/AN/ASuperior4.2 / 5
ErieAbove averageAbove averageSuperior4.5 / 5
Penn NationalN/AN/AExcellentN/A
ProgressiveBelow averageBelow averageExcellent4.3 / 5
Safe AutoN/AN/AExcellentN/A
SafecoAverageAverageExcellentN/A
State FarmAbove averageAbove averageSuperior4.5 / 5
TravelersBelow averageBelow averageSuperior4.3 / 5
USAAExcellentExcellentSuperior4.6 / 5

 

Tennessee auto insurance laws

In Tennessee, the minimum coverage requirement is liability with limits of:

  • Bodily Injury $25,000 per person
  • Bodily Injury $50,000 per accident
  • Property Damage $15,000 per accident

Optional coverage in Tennessee (which varies by carrier) includes:

  • Comprehensive
  • Collision
  • Loan/Lease Payoff
  • Medical Payments
  • Rental Car Reimbursement
  • Roadside Assistance
  • Uninsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

If you opt for the minimum allowed coverage in Tennessee, you can expect to pay a mean of $500 annually. This is cheaper than the national average by 24%. If you choose better auto insurance coverage, you can choose a policy with comprehensive and collision coverage, protecting against damages caused by car-vs.-car collisions, theft, or weather incidents. Better coverage has a price: in Tennessee, a comprehensive policy with a $1,000 deductible costs $1,153, 131% more than basic coverage. For comprehensive insurance coverage with a $500 deductible, expect to pay 163% more than for liability-only coverage.

Additional resources on coverage requirements in this state.

Get Tennessee car insurance now!

or
Location pin icon
glyph-shield-checkmarkNo junk mail. No spam calls. Free quotes.

How tickets change insurance rates in Tennessee

If you receive a ticket or citation, your auto insurance costs will probably go up. By how much depends on the violation, your insurer's pricing standards, and differing local insurance regulations. That's why tickets may have a different impact on insurance in your state compared to the national average.

Below is a look at typical auto insurance rates in Tennessee after some common violations.

ViolationAvg. Annual Auto Insurance Rate% Insurance Rate Increase$ Insurance Rate Increase
Hit and Run$2,16051%$733
Refused Breathalyzer/Chemical Test$2,07545%$648
DUI$2,07545%$648
Racing$2,24757%$820
Reckless Driving$2,13550%$708
Driving with a Suspended License$2,21255%$785
At-Fault Accident$1,95237%$526
Driving with an Open Container$1,86331%$436
Operating a Vehicle Without Permission$1,74122%$315
Passing a School Bus$1,89833%$471
Improper Passing$1,73021%$303
Following Too Closely$1,73021%$303
Speeding$1,74422%$317
Failure to Stop at a Red Light$1,73021%$303
Illegal Turn$1,73021%$303
Driving Wrong Way/Wrong Lane$1,73021%$303
Failure to Yield$1,73021%$303
Speeding in a School Zone$1,72721%$300
Driving Too Slowly$1,72721%$300
Distracted Driving$1,70319%$276
Driving with Expired Registration$1,59612%$169
Failure to Show Documents$1,59612%$169
Not-at-Fault Accident$1,4612%$34
Failure to Use Child Safety Restraint$1,5589%$131
Failure to Wear a Seat Belt$1,5307%$103
Driving Without Lights$1,5307%$103

 

Tennessee car insurance FAQs

Who has the cheapest car insurance in Tennessee?

Our data indicate Penn National ($402 per six-month policy) and Auto-Owners ($422) offer the cheapest premiums for drivers in Tennessee. Drivers should also consider USAA, State Farm, and Travelers.

How much is car insurance per month in Tennessee?

A liability-only car insurance policy in Tennessee costs $41 per month. If you want a full coverage policy, your premiums could be $109 per month.

What is the average cost of car insurance in Tennessee?

Drivers in Tennessee will pay $249 for a liability-only six-month policy. For drivers needing full coverage, rates average $657.

How much does car insurance cost in Tennessee cities?

Car insurance companies calculate your rate based on many factors, location of the vehicle being an important one. The cheapest car insurance is found in Johnson City, Tennessee, and the most expensive in Memphis, Tennessee.

RankCityAvg. Annual Premium
1Memphis$1,949
2Jackson$1,615
3Nashville$1,597
4Oak Ridge$1,575
5Knoxville$1,547
6Clarksville$1,539
7Murfreesboro$1,485
8Franklin$1,483
9Chattanooga$1,482
10Johnson City$1,313

 

Recent Questions:

If my car is determined a total loss in an accident, will my gap insurance cover the down payment used to secure my loan?

Gap insurance will only cover what is left on your loan after an insurance company pays out. Gap coverage is best purchased if you are going to have a difference between the loan amount and the value of the vehicle.
Feb 5, 2020 Manchester, TN

In Tennessee can not at fault driver be blamed if they didn't have insurance?

The other party would not be responsible for the damages. They can be ticketed and have their license suspended but you can still be found at fault.
Apr 10, 2019 Crossville, TN

Do you need to disclose medication when you apply for car insurance

You are only required to disclose medical conditions that may impair your ability to drive safely, such as a seizure disorder or something similar. ​If the DMV and your doctor have approved you to drive then you are not required to disclose your medications, just beware that you do not drive while under the influence of any medication that could impair your ability to drive safely.
Jan 26, 2018 Manchester, Tennessee

Is there any way to keep a claim off of my friend's record?

You could always claim the accident as if you were driving but I highly recommend that you avoid lying to your insurance company. If you file a claim, they are going to want to know what happened so there won't be any way to avoid involving your friend other than being dishonest.
Nov 26, 2016 Nashville, TN

Ross Martin
Ross MartinManager, Content Quality

As a licensed insurance agent, Ross researches and writes insurance content intended to help users make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London. Ross has been quoted by CNET, iDriveSafely.com and Kin Insurance, and his work has been cited by Car and Driver.