Cheap Tennessee Car Insurance

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

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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. We’ll get you prepped, then you take the wheel.


 

Affordable Insurance Premiums 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 over 40 insurance companies that provide coverage throughout Tennessee. Enter your ZIP code below to get started.

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Cheap Insurance for Good Drivers in Tennessee

Drivers with good 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 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 Car 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%

Best 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.

Compare top insurance companies' financial strength and claims satisfaction ratings to better predict the level of service you'll receive. Claims satisfaction — measured by J.D. Power — is ranked on a scale of 2 to 5, with 5 being "among the best" and 2 being "the rest." Financial strength — calculated by A.M. Best and running from "Poor" to "Superior" — evaluates an insurer's financial strength and ability to meet its policy and contractual obligations.

Insurance CompanyClaims Satisfaction (J.D. Power)Financial Strength (A.M. Best)
Allstate3Superior
Celina InsuranceNot RatedExcellent
ChubbNot RatedSuperior
Cincinnati InsuranceNot RatedSuperior
Direct GeneralNot RatedExcellent
Erie5Superior
Farmers3Excellent
GEICO3Superior
Liberty Mutual3Excellent
MetLife3Superior
Nationwide4Superior
Progressive3Superior
State Farm3Superior
USAA5Superior
WestfieldNot RatedExcellent

 

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What is the Best Auto Insurance Coverage in Tennessee?

The minimum insurance requirement in Tennessee is $25,000 Bodily Injury per person, $50,000 Bodily Injury per accident, and $15,000 Property Damage per accident.

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.

Compare average expenditures for liability-only and comprehensive auto insurance levels below.

LocationLiability-OnlyComprehensive — $1,000 DeductibleComprehensive — $500 Deductible
Tennessee$499.93$1,152.75$1,315.96
National Average$657.66$1,241.26$1,397.94

Tennessee Auto Insurance Laws

What are the state minimum insurance requirements in Tennessee?

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

Additional resources on coverage requirements in this state.

Driving Laws in Tennessee

Tennessee Texting and Driving Laws

  1. Ban on all cell phones for school bus drivers
  2. Ban on all cell phones for drivers with Learner or Intermediate Licenses
  3. Ban on text messaging for all drivers

Tennessee DUI Laws

Tennessee has a 10-year DUI lookback period. Multiple DUI offenses within 10 years subjects violators to increased penalties and fines.

In addition, penalties are enhanced for any DUI leading to an injury or death or for a DUI in which a passenger is under 18 years old. Penalties are also enhanced for any DUI offense in which the driver has a BAC of 0.20% or higher.

First-time DUI offenses in Tennessee lead to:

  • 48 hours to 11 months and 29 days in jail
  • $350 to $1,500 in fines
  • License revocation for one year
  • Must install and use an ignition interlock device
  • Must participate in an alcohol and drug treatment program
  • Must pay restitution, if applicable

Ticket Impact on Auto 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

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Tennessee Car Insurance FAQs

Who has the cheapest car insurance in TN?

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.

What percentage of people in Tennessee don't have car insurance?

Approximately 20 percent of Tennesseean drivers don't have car insurance. This makes Tennessee one of the least-insured states in the US.

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
2Bartlett$1,804
3Germantown$1,775
4Collierville$1,731
5Jackson$1,615
6Nashville$1,597
7Oak Ridge$1,575
8Columbia$1,559
9Knoxville$1,547
10Clarksville$1,539
11La Vergne$1,534
12Spring Hill$1,526
13Brentwood$1,508
14Smyrna$1,503
15Maryville$1,499
16Murfreesboro$1,485
17Franklin$1,483
18Chattanooga$1,482
19Cookeville$1,474
20Hendersonville$1,471
21Gallatin$1,466
22Morristown$1,462
23Cleveland$1,408
24Kingsport$1,349
25Johnson City$1,313

Recent Tennessee Car Insurance Questions and Answers

Is car insurance cheaper if your spouse can't drive?

You would not be able to remove your spouse from the policy, even if they don't drive. What you would need to do is exclude them as a driver.

Does my wife need to be on my motorcycle insurance policy?

You do not have to have to list your wife on your motorcycle policy. If she won't be driving the motorcycle, you can have her listed as an excluded driver.

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.

If I'm uninsured and the person at-fault for the accident is insured, how do I get my car fixed?

Nothing would change in the way the claim should be handled, as far as damages are concerned. Any trouble he is in for not having insurance would be a separate issue.


Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com and Kin Insurance.