Cheap Tennessee Car Insurance

Compare the best rates from 24 car insurance companies in Tennessee.

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.

Cheap Car Insurance

It's expensive to get car insurance in Tennessee!

Dang! Tennessee is definitely not one of the cheapest states for car insurance. Don't worry, we got your back!
At The Zebra we're all about helping you save money on car insurance. Our engine looks for the cheapest insurance provider to find the best fit for you and your vehicle. Since Tennessee might have cheaper premiums that makes our job a breeze! It's easy to get started—we just need some basic information to begin finding the best auto discounts for you.
What's the cheapest car insurance in Tennessee?
Rank Company Premium
1 Utica National $752
2 Auto-Owners $844
3 Cincinnati Insurance $867
4 Penn National $917
5 USAA $938
6 Tennessee Farmers $942
7 Erie $977
8 Nationwide $1,022
9 Allied $1,039
10 Westfield $1,058
11 GEICO $1,133
12 State Farm $1,189
13 Travelers $1,189
14 Progressive $1,202
15 Shelter $1,211
16 Direct General $1,226
17 State Auto $1,229
18 The Hartford $1,233
19 21st Century $1,287
20 Chubb $1,303
21 Cal Casualty $1,450
22 Safe Auto $1,513
23 MetLife $1,571
24 Farmers $1,645
25 Celina Insurance $1,841
26 Allstate $1,859
27 Liberty Mutual $1,925
28 Grange Mutual $1,928
29 Encompass $2,238
30 Safeco $2,315

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

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.

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 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 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%
Car Insurance Laws

State minimum insurance requirements in Tennessee

In Tennessee, the state minimum coverage requirement is liability with limits of:
Optional coverage in Tennessee (varies by carrier):

Liability coverage is legally required in Tennessee and pays for injury and lost wages that you cause to another driver or their passengers as well as damage to the other driver’s vehicle in the event that you are considered “at fault” in an accident. The coverage limits are determined by each individual state and normally split into three categories. In Tennessee, the minimum is listed as 25/50/15 and explained below:

$25,000 bodily injury coverage per person. This is the maximum dollar amount that pays for a single person that you injure in an auto accident.

$50,000 bodily injury coverage per accident. This is the maximum dollar amount that pays for all injuries that you cause in an accident if more than one person is hurt.

$15,000 property damage per accident. This is the maximum dollar amount that pays for damage that you cause in an accident.

These numbers reflect the minimum limits required in Tennessee but higher coverage amounts are available with most companies.

Top Tennessee Car Insurance Companies

The Zebra compares over 200 companies & 1,800 products, so you can save way more than 15% and find the cheapest car insurance in Tennessee.

Car Insurance FAQs

Are digital insurance cards accepted in Tennessee?

Yes

What does this mean for you?

If you happen to find yourself pulled over by a police officer in Tennessee you won't have to rifle through your glovebox wondering if you remembered to replace that expired insurance card last month. Instead, you can provide proof of coverage with your smartphone.

Do I need uninsured motorist coverage in Tennessee?

Uninsured Drivers in Tennessee
Tennessee

20%

Nationwide

12%

Did you know?

Uninsured motorist coverage protects you from damage caused by other drivers without insurance and hit-and-runs.

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 Kingsport, Tennessee, and the most expensive in Memphis, Tennessee.

Rank City Avg. Annual Premium
1 Memphis $1,475
2 Bartlett $1,391
3 Germantown $1,347
4 Collierville $1,336
5 Jackson $1,279
6 Oak Ridge $1,235
7 Knoxville $1,206
8 Columbia $1,202
9 Nashville $1,189
10 Maryville $1,184
11 Clarksville $1,182
12 Spring Hill $1,181
13 La Vergne $1,174
14 Smyrna $1,171
15 Murfreesboro $1,171
16 Cookeville $1,159
17 Brentwood $1,156
18 Franklin $1,152
19 Morristown $1,148
20 Hendersonville $1,147
21 Gallatin $1,144
22 Chattanooga $1,138
23 Cleveland $1,113
24 Johnson City $1,052
25 Kingsport $1,047

Recent Tennessee Car Insurance Questions and Answers

One deductible for two accidents?

May 31, 2018

Two accidents w/ objects 2 weeks apart. One damaged front bumper, other the back bumper. Can I file 1 claim ...

I let someone borrow my car and they ended up stealing it

May 26, 2018

My mom owns this vehicle but we’ve both been paying for the financing of it – half and half. Well, ...

Does my son need to be on my car insurance policy or his own?

Apr 13, 2018

We live in FL and my son was a full time student for the past three year in FL and ...

Insurance increase due to increased cost of parts and labor?

Jan 29, 2018

I have a 1997 BMW Z3 1.9L 2-door convertible fully insured with GEICO. In 2017, I paid $640 and for ...

Driving Laws

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
Alcohol Related Fatalities

295

Per Year in Tennessee
Annual DUI Arrests
Tennessee
26,322
US Average
23,438
DUI Legal Limit

0.08%

Blood Alcohol Content
Average DUI Cost

10k

Nationally, For First Offenders
What does this mean for you?

Driving with a blood alcohol content higher than the number above will put you at risk of being arrested for driving under the influence. If arrested you’ll face harsh consequences and may face varying degrees of jail time, fines, driver’s license suspensions, and reinstatement requirements.

If convicted of a DUI, you can expect the financial obligations to extend beyond the DUI ticket to court costs, attorney fees, higher insurance rates, and potentially the installation of a Ignition Interlock Device to serve as a breathalyzer test each time you start your vehicle.

Tennessee Tour Guide Scholarship

At The Zebra, we know better than most just what a pain buying car insurance can be. We also know that students suffer from higher-than-average policy rates. Talk about a double-whammy. That’s why, this year, we’ve decided to continue The Zebra’s annual scholarship with the goal of helping to alleviate the financial pressures of college-bound students in the Tennessee area, while also getting an insider view of the Volunteer State.

Prompt

So, Tennessee students, we want to see your favorite road trip destination(s) in your state— from your unique perspective. If it makes sense to hit the open road and be our virtual tour guide, that’s great! But there are no limits to what we’re looking for: a narrated animation, a slideshow of memorabilia, an illustrated map of the best roadside attractions on the way. This is a chance for you to showcase any place you love in as an original way as possible.

Please Note:

  • The length of the road trip to your feature destination is inconsequential. So if you have an awesome spot in mind that’s just two miles from home, we want to see it.
Qualifications:

Applicants must be currently enrolled at or planning to attend a four-year university, graduate program, community college, or trade school located in the continental United States. Upon notification, winner(s) must supply a current proof of enrollment or letter of acceptance.

How to Apply:
  • Entrants should create an original video not exceeding 2 minutes. Each video submission must be hosted on YouTube or Vimeo, and should be submitted by email to scholarships@thezebra.com.
  • With your submission, please include your name, address, and phone number.
Details
  • Selected winner(s) will be awarded a check for $1,000.
  • Applications must be received no later than 11:59 p.m. CST on December 31st, 2017.
  • Winner(s) will be selected and notified by e-mail by January 31st, 2018.
  • Submissions will be judged by The Zebra and the winner will be selected based on creativity in the content and presentation.
  • Upon notification, winner(s) must also supply a current proof of enrollment at a four-year university, graduate program, community college, or trade school located in the continental United States.

Fine Print

  • By participating, entrants represent that the video submitted is their sole and original work and does not infringe the intellectual property rights of any other party. In other words, no copyrighted music or images may be used.
  • Employees of The Zebra and their immediate family members are not eligible to participate in the contest.
  • Written credits for any technical or talent positions (e.g., editor, director, actors) should be included with your submission, along with any sources used to create the video.