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Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

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Renata Balasco

Senior Content Strategist

  • Licensed Insurance Agent — Property and Casualty

Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as licensed insurance professional and content strategist.…

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.


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Average Tennessee car insurance rates by:

  1. Age
  2. Gender
  3. Marital status
  4. Credit score
  5. Driving violations
  6. Coverage level

Auto insurance prices in Tennessee by driver age

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
16 $7,925.70
17 $5,944.65
18 $4,948.38
19 $3,215.11
20s $1,793.31
30s $1,273.31
40s $1,172.55
50s $1,109.35
60s $1,125.53
70s $1,359.38

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.



Average auto insurance rates in Tennessee by gender

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
Male $1,299.75
Female $1,274.79

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.



Average car insurance rates in Tennessee by marriage status

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
Single $1,299.75
Married $1,219.15
Divorced $1,299.75
Widowed $1,281.76

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.


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Average car insurance rates in Tennessee by credit tier

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
Fair (580-669) $2,147.27
Good (670-739) $1,723.80
Very Good (740-799) $1,372.61
Exceptional (800-850) $1,115.39

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!



Average auto insurance prices for high-risk drivers in Tennessee

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
DUI/DWI $1,903.20
Reckless Driving $1,843.87
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
Open Container $1,659.84
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.



Average car insurance prices by coverage tier in Tennessee

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.


Compare car insurance rates online today!

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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.