Car insurance costs an average of $1,315 per year in Tennessee. Learn more about the factors that impact your premiums.
Auto insurance is relatively cheap in Tennessee. The average auto insurance rate in Tennessee is $1,315 annually — 7.9% less than the national average.
Your car insurance rates are impacted by factors aside from the state in which you live. Car insurance premiums consider myriad considerations, including your age, credit rating, driving history, gender, and marital status.
We analyzed typical Tennessee car insurance rates by all of the main pricing factors. See below how much car insurance costs in each US state — or submit your zip code to receive tailored prices from popular insurers.
It's impossible to avoid: as you grow older, your auto insurance rates change. Generally speaking, auto insurance is more costly for teenage drivers, as insurers view newer motorists as riskier.
In Tennessee, auto insurance runs $7,926 per year for a 16-year-old driver, compared to $1,109 yearly for a driver between 50 and 59 years of age.
|Age||Average Annual Premium|
If you're facing the prospect of getting a teen driver insured, it's worth noting Tennessee is a relatively expensive state in which to buy auto insurance for a 16-year-old.
While gender doesn’t make as sizable an impact on car insurance rates as a driver's location or experience level, it is used as a pricing factor by car insurance companies.
|Gender||Average Yearly Cost|
If you're concerned you aren't getting the best bang for your buck with your active auto insurance company, the best course of action is to shop around and compare rates.
A benefit of wedlock — in addition to the wedding gifts — is the lower rates you tend to receive on your car insurance policy. In Tennessee, married drivers save $81 each year on car insurance policies. This is more than the national average of $76.
|Marital Status||Average Annual Premium|
Car insurance coverage for divorced drivers in Tennessee is the 28th most expensive in the nation. If you are paying too much for your car insurance, consider doing some comparison shopping.
Auto insurance underwriters use credit history to determine how reliable a prospective customer will be. Data trends indicate motorists with good credit are more safely insurable auto insurance customers: they're less likely to file claims insurance companies are compelled to cover.
In Tennessee, a driver who has excellent credit saves $1,563 each year on car insurance, versus a driver with a poor credit history. Read more about how credit history affects car insurance expenses:
|Credit Tier||Average Annual Rate|
|Very Poor (300-579)||$2,678.55|
|Very Good (740-799)||$1,372.61|
Finding inexpensive auto insurance coverage with a bad credit history can be tough. But we're here to assist. Check out our guide to finding car insurance with poor credit and learn how to save!
If you are determined to be at fault in a car accident or found guilty of a driving infraction, your insurance rates are going to rise. The more infractions you rack up, the pricier your auto insurance gets.
In Tennessee, your first minor at-fault crash leads to a penalty of $448 annually in auto insurance premiums. A DWI — among the most severe driving infractions — could raise your annual insurance expenditure in Tennessee by as much as $588.
|Age||Average Yearly Rate|
|At-Fault Accident (<$1,000)||$1,763.57|
|At-Fault Accident ($1,000-$2,000)||$1,787.00|
|At-Fault Accident (>$2,000)||$1,763.57|
|Speeding (21-25 MPH > limit)||$1,577.52|
|Speeding (16-20 MPH > limit)||$1,556.68|
If you're facing above-average car insurance payments, it's worth shopping policies to get affordable coverage that meets your requirements.
The amount you pay each month for auto insurance depends on the level of coverage you elect to carry. Liability-only coverage typically costs less, while low-deductible comprehensive coverage costs more. In Tennessee, the rate gap between state-minimum liability-only coverage and comprehensive coverage with a $500 deductible is $768.
|Coverage Level||Average Yearly Premium|
|$100K/$300K/$100K Bodily Injury/Property Damage — Liability Only||$530|
|$100K/$300K/$100K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,145|
|$100K/$300K/$100K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,300|
|$50K/$100K/$50K Bodily Injury/Property Damage — Liability Only||$466|
|$50K/$100K/$50K Bodily Injury/Property Damage — $1,000 Comprehensive/Collision||$1,079|
|$50K/$100K/$50K Bodily Injury/Property Damage — $500 Comprehensive/Collision||$1,234|
|State Minimum — Liability Only||$408|
|State Minimum — $1,000 Comprehensive/Collision||$1,021|
|State Minimum — $500 Comprehensive/Collision||$1,176|
If you are looking for a better deal on auto insurance, it's worth comparing policies to find reasonably priced coverage that fits your needs.