Cheap Tennessee Car Insurance

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

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The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed insurance agents, and never influenced by our partnerships. Learn more about how we make money, review our editorial standards, reference our data methodology, or view a list of our partners.

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?
Rank Company Name Avg. Annual Premium
1 Penn National $805
2 Auto-Owners $844
3 USAA $1,112
4 State Farm $1,158
5 Travelers $1,189
6 Nationwide $1,292
7 Progressive $1,393
8 State Auto $1,719
9 Safe Auto $1,822
10 Safeco $1,941

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

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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 $238 15.49%
No Accidents $464 26.30%
Good Credit $1,379 51.48%

 

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.

Age Annual Rate with Parents Annual 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 Factor Annual Rate % Increase
At-Fault Accident $1,764 26.30%
DUI $1,903 31.71%
Speeding Violation $1,538 15.49%
Bad Credit $2,679 51.48%

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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-Owners N/A Above average Superior N/A
Chubb N/A N/A Superior 4.2 / 5
Erie Excellent Above average Superior 4.5 / 5
Penn National N/A N/A Excellent N/A
Progressive Below average Below average Excellent 4.3 / 5
Safe Auto N/A N/A Excellent N/A
Safeco Average Average Excellent N/A
State Farm Above average Above average Superior 4.5 / 5
Travelers Average Below average Superior 4.3 / 5
USAA Excellent Excellent Superior 4.6 / 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.

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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.

Violation Avg. Annual Auto Insurance Rate % Insurance Rate Increase $ Insurance Rate Increase
Hit and Run $2,160 51% $733
Refused Breathalyzer/Chemical Test $2,075 45% $648
DUI $2,075 45% $648
Racing $2,247 57% $820
Reckless Driving $2,135 50% $708
Driving with a Suspended License $2,212 55% $785
At-Fault Accident $1,952 37% $526
Driving with an Open Container $1,863 31% $436
Operating a Vehicle Without Permission $1,741 22% $315
Passing a School Bus $1,898 33% $471
Improper Passing $1,730 21% $303
Following Too Closely $1,730 21% $303
Speeding $1,744 22% $317
Failure to Stop at a Red Light $1,730 21% $303
Illegal Turn $1,730 21% $303
Driving Wrong Way/Wrong Lane $1,730 21% $303
Failure to Yield $1,730 21% $303
Speeding in a School Zone $1,727 21% $300
Driving Too Slowly $1,727 21% $300
Distracted Driving $1,703 19% $276
Driving with Expired Registration $1,596 12% $169
Failure to Show Documents $1,596 12% $169
Not-at-Fault Accident $1,461 2% $34
Failure to Use Child Safety Restraint $1,558 9% $131
Failure to Wear a Seat Belt $1,530 7% $103
Driving Without Lights $1,530 7% $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.

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

 

Recent Questions:

Will my insurance change after I pay off the loan?

The financial status of your vehicle does not impact your rates. If you decreased the coverage to liability only then you would see a significant decrease in your rates.
Dec 8, 2018 Spencer, TN

Who needs to be on the insurance and the title?

You would both need to be on the policy since he will be driving the car and you will own it. If you will not be driving the car, he can get the policy in his name but you will need to be listed as an excluded driver, which means you are not covered to drive the car.
Dec 30, 2018 Summertown, TN

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 4, 2020 Manchester, TN

How can I return a car I bought from a private seller?

Your best bet is to contact an attorney. You may even consider contacting the police department, but I would recommend contacting a legal representative first since an attorney should be able to assist you in getting this other party to cooperate. You wouldn't be able to file a claim for the vehicle since you technically never owned it so legal representation would be my recommendation.
Apr 30, 2017 Clarksville, 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's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

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 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.