Car Insurance in Tennessee
- Travelers offers the cheapest liability coverage in TN at $38/mo.
- Travelers offers the cheapest full coverage in TN at $107/mo.
Enter your ZIP code to start your search for Tennessee car insurance:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Tennessee at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Car insurance quotes in Tennessee
Tennessee drivers pay an average of $1,044 for a six-month auto insurance policy. That's 10% cheaper than the U.S. national average.[1]
Still, 37% of drivers in The Volunteer State looked for quotes with The Zebra because they were paying too much for car insurance.[2] Auto insurance rates comprise many factors, including a driver's age and driving history. The Zebra's experts analyzed average Tennessee car insurance rates for these rating factors in an effort to help you find an affordable policy.
Read on to learn how much auto insurance costs in Tennessee based on these variables, or submit your ZIP code above to receive personalized quotes from top insurers.
Cheapest liability coverage in TN
- Travelers offers the cheapest liability coverage in Tennessee at $38/mo.
Cheapest full coverage in TN
- Travelers offers the cheapest full coverage in Tennessee at $107/mo.
Best customer service in TN
- Erie Insurance scored 718 (7.6% above average) in J.D. Power's latest study — the highest in Tennessee.[3]
Cheap liability insurance in Tennessee
Liability insurance is sometimes referred to as state minimum coverage — it describes the lowest amount of coverage you can carry while still complying with state laws. Because of this, it is the cheapest car insurance you will find.
The average cost for liability insurance in Tennessee is $340 for a 6-month policy.[1] For our user profile, Travelers offers the most affordable liability insurance options in the state.
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: in Tennessee, a full coverage insurance policy with a $500 deductible costs $1,044, considerably more than liability-only car insurance.
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| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $226 | $38 |
| Auto-Owners | $229 | $38 |
| GEICO | $238 | $40 |
| USAA | $243 | $40 |
| Safe Auto | $268 | $45 |
| Erie | $304 | $51 |
| Progressive | $334 | $56 |
| State Farm | $358 | $60 |
| Farmers | $388 | $65 |
| Allstate | $499 | $83 |
| Nationwide | $579 | $96 |
| Encompass | $674 | $112 |
Source: The Zebra
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
According to our data, 49% of Tennessee drivers carry only the state-required liability coverage.[2] In Tennessee, the law mandates minimum liability limits of 25/50/25. Learn more about car insurance requirements in the state of Tennessee with our helpful guide.
If you’re in Tennessee, there’s a somewhat unusual rule to be aware of. Even though Tennessee is an at-fault state, many auto policies include Personal Injury Protection (PIP) coverage, which helps pay for your medical expenses regardless of who caused the accident. This setup is different from most states, where PIP is typically only required in no-fault systems. In Tennessee, this means you can have immediate access to medical coverage through your own policy, while still retaining the right to pursue a claim or lawsuit against the at-fault driver for additional damages.[4]
Renata Balasco, Insurance writer with 5+ years experience
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| Company | Liability Coverage | Full Coverage |
|---|---|---|
| Westfield | $226 | $889 |
| USAA | $243 | $843 |
| Travelers | $226 | $640 |
| Tennessee Farmers | $224 | $856 |
| State Farm | $358 | $1,326 |
| Progressive | $334 | $969 |
| Penn National | $285 | $942 |
| Nationwide | $579 | $1,254 |
| MetLife | $331 | $1,584 |
| Grange | $453 | $1,210 |
| GEICO | $238 | $861 |
| Farmers | $388 | $1,057 |
| Erie | $304 | $1,033 |
| Encompass | $674 | $1,428 |
| Cincinnati Insurance | $381 | $1,237 |
| Chubb | $381 | $1,073 |
| Auto-Owners | $229 | $772 |
| American National | $358 | $1,013 |
| Allstate | $499 | $1,358 |
Source: The Zebra
Cheap full coverage insurance in Tennessee
In 2026, the average cost of full coverage insurance in Tennessee is $1,044 for a 6-month policy. Full coverage is a popular choice here, with 51% of The Zebra’s Tennessee customers opting for quotes that offer this more comprehensive protection.[2]
While full coverage may cost more than basic liability insurance, it’s worth the investment for peace of mind. If you’re looking to get the best deal on full coverage, start by checking out quotes from Travelers — they’re known for offering some of the most competitive rates in the state.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $640 | $107 |
| Auto-Owners | $772 | $129 |
| USAA | $843 | $141 |
| GEICO | $861 | $144 |
| Progressive | $969 | $161 |
| Erie | $1,033 | $172 |
| Farmers | $1,057 | $176 |
| Safe Auto | $1,132 | $189 |
| Nationwide | $1,254 | $209 |
| State Farm | $1,326 | $221 |
| Allstate | $1,358 | $226 |
| Encompass | $1,428 | $238 |
Source: The Zebra
Local insights
Drivers near you in Tennessee weigh in
"I use Progressive. I had been with State Farm, but Progressive was cheaper for the same plan and included towing. I've used the towing service twice with no problems, but I haven't had any accidents so don't know about that end of it. "
- Reddit user r/Tennessee
"I pay $150/month with progressive for a 2016 sedan, no claims/accidents on it (someone did hit my car while it was parked in 2022 and broke the headlight but their insurance paid for the replacement and my premiums didn’t change). i previously had geico and it was closer to $250 per month so i switched a few years ago. my car insurance went wayyy up when i moved to Nashville as well."
-Reddit user r/Nashville
Compare car insurance rates from the best companies in Tennessee.
What are the best car insurance companies in Tennessee?
We’ve named Erie Insurance as Tennessee's top car insurance provider. Our decision is based on a combination of consumer feedback, expert evaluations from sources like J.D. Power, Trustpilot, and AM Best, as well as a thorough review of their discounts and coverage options.
Add insurance companies to the tool below to see how each stacks up against our pick.
You've done your research. Let us take it from here
Way to go—this part isn’t easy! We’ll make the next step as simple as we can. Tell us a little more about yourself to start a quote.
Car insurance in popular Tennessee cities
Car insurance companies calculate your rate based on many factors, with the location of the vehicle being an important one. The cheapest car insurance is found in Bristol, Tennessee, and the most expensive in Memphis, Tennessee.
Have a look at the table below to see average car insurance costs in some of Tennessee's biggest cities.
Source: The Zebra
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Source: The Zebra
Real experts. Real answers. Real protection.
Blake joined The Zebra in 2021 after a 5-year career at GEICO, where he started as a producer selling auto, property, cycle, RV, and boat policies be…
Credentials
- Licensed Insurance Agent - Property and Casualty
- 7+ years insurance experience
With over 6 years of industry experience spanning commercial and personal insurance lines, Nicholas is a dedicated insurance professional lending his…
Credentials
- Licensed Insurance Agent — Property and Casualty
Erica began at The Zebra in 2020 as a Licensed Service Agent, bringing six years of insurance experience from her career at Progressive where she spe…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 10+ years in the insurance industry
Tennessee auto insurance quotes after an accident or ticket
Your driving history plays a major role in what you’ll pay for car insurance in Tennessee. Even one at-fault accident can send your premiums soaring. Insurers see your past accidents as a sign of risk, so even a single incident can lead to a steep rate increase. Check out the average cost of coverage from top Tennessee insurers after an at-fault accident.
Source: The Zebra
Source: The Zebra
The Zebra's guide to Tennessee car insurance laws for high-risk drivers
Violations like reckless driving or a DUI will require you to make changes to your insurance policy.
Learn more about car insurance requirements in the state of Tennessee with our helpful guide or see our brief explanations of how DUIs and SR-22s affect your insurance below.
Tennessee DUI laws
In Tennessee, a DUI offense can increase your annual car insurance premium significantly. Finding affordable auto insurance in the wake of a DUI violation isn’t simple. In fact, a DUI often brings about a bigger premium increase than any single road violation — more than an at-fault accident, racing, or reckless driving.
Low-cost car insurance after a DUI in Tennessee
If you're convicted of a DUI or DWI violation in Tennessee, it’s key to mull over each of your insurance choices carefully. Auto insurance premiums following a DUI can vary substantially by insurer. Check out the table below to see average rates by top insurers in Tennessee.
Updating data...
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $907 | $151 |
| Progressive | $1,234 | $206 |
| Farmers | $1,398 | $233 |
| USAA | $1,413 | $236 |
| Safe Auto | $1,504 | $251 |
| State Farm | $1,792 | $299 |
| Allstate | $1,795 | $299 |
| Auto-Owners | $1,830 | $305 |
| Erie | $1,843 | $307 |
| GEICO | $1,935 | $323 |
| Nationwide | $2,712 | $452 |
| Encompass | $5,419 | $903 |
Source: The Zebra
There is no car insurer in particular that offers inexpensive DUI car insurance. The recommended way to save in the wake of a DUI citation is to shop around.
Tennessee SR-22 insurance
An SR-22 is a routine legal requirement triggered by a violation such as a DUI conviction, a ticket for driving without insurance, an at-fault collision, driving with a suspended license, or accumulating too many points on your license. It is not a type of insurance policy, but a form issued by your insurance company with the state of Tennessee to ensure that you remain insured.
Car insurance with an SR-22 in Tennessee is often expensive. This isn't a direct result of the SR-22 — filing fees usually total $15 to $35 — but thanks to the insurance rate increases caused by the violation that prompted the SR-22 requirement.
How to get an SR-22 in Tennessee
Currently insured?
If you currently have auto insurance, obtaining an SR-22 certificate is relatively simple. Contact your auto insurance company and request that the company file a SR-22 request for you. If your insurance company isn’t willing to request a certificate, you should shop around for a new insurance company.
For uninsured drivers
When filing for car insurance, you'll be billed extra to have your prospective insurer file an SR-22 request for you and to cover your high-risk driving profile. Needing an SR-22 certification may disqualify you from buying insurance from some companies, while others may happily sell you a policy.
For non-vehicle owners
Needing an SR-22 might disqualify you from purchasing insurance from some companies, while others would be happy to sell you a policy.
For drivers without a vehicle
If you don't own your car, it's more difficult to obtain an SR-22, as you'll need to furnish proof of insurance to receive the certificate. If you don't own a car, you should get a non-owners auto insurance policy before filing for an SR-22. Non-owners auto coverage is typically cheaper than traditional coverage since it won’t provide protection for material damages sustained by your automobile.
Find an affordable policy in Tennessee in minutes!
How have car insurance costs in Tennessee changed?
Tennessee’s auto insurance market has experienced notable ups and downs in recent years, with premiums shifting alongside economic conditions, regulatory changes, and evolving risk factors. Rates have seen periods of sharp increases, often tied to rising claim costs and broader inflation trends, as well as occasional slowdowns or declines.
This kind of volatility highlights why it pays to shop around — insurance prices can vary widely depending on timing, market conditions, and individual factors, making regular comparison one of the easiest ways for drivers to avoid overpaying.
| Year | Avg. Annual Premium — Tennessee |
|---|---|
| 2026 | $2,089 |
| 2025 | $2,029 |
| 2024 | $1,668 |
| 2023 | $1,493 |
| 2022 | $1,518 |
| 2021 | $1,262 |
| 2020 | $1,258 |
| 2019 | $1,334 |
| 2018 | $1,506 |
| 2017 | $1,316 |
| 2016 | $1,172 |
| 2015 | $1,096 |
Save money on your next car insurance policy!
Tennessee car insurance FAQs
Below you'll find answers to some of the most commonly asked questions regarding Tennessee auto insurance.
Overpaying for car insurance? Compare quotes to discover how much you can save.
-
Data Methodology. The Zebra’s Dynamic Insurance Rating Tool
-
Anonymized User Surveys. The Zebra
-
2025 Auto Insurance Study. J.D. Power
-
Tennessee Department of Commerce & Insurance. Insurance Information Institute.
RECENT QUESTIONS
If you get a speeding ticket in Tennessee going 67 in a 45 and you opt to pay the ticket, will it show up in North Carolina?
Should I buy a car first, or the insurance first?
If I backed into my husband's motorcycle, will we have to pay two deductibles?
Do I need a police report to file an uninsured motorist claim?
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
