What's the Average Cost of Car Insurance in Tennessee?

The Zebra
Oct. 11, 2018

Car insurance is affordable in Tennessee. The average auto insurance cost in Tennessee is $1,315 annually — 7.9% less than the national average.

Your car insurance costs are impacted by more than just state lines. Auto insurance rates consider a number of considerations, such as the insured party's credit score, driving record, age, gender, and marital status.

We assessed average Tennessee auto insurance prices by all of the major pricing qualifications. Continue reading to learn how much auto insurance costs in your state — or enter your zip code to receive unique prices from popular auto insurance companies.


Average Car Insurance Rates in Tennessee by Age Bracket

It's a common phenomenon: as you age, your auto insurance expenditures shift. Generally, auto insurance is more expensive for young drivers, as insurers view inexperienced motorists as less responsible.

In Tennessee, auto insurance costs $7,926 each year for a 16-year-old motorist, versus $1,109 annually for a driver between 50 and 59 years of age.


TENNESSEE AUTO INSURANCE RATES BY 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



Average Car Insurance Outlays in Tennessee by Gender

While gender doesn’t make as large an effect on car insurance costs as location or age, it is used as a rating factor. Women pay less than do men for auto insurance in Tennessee, but the discrepancy is only $24.96 annually.

TENNESSEE AUTO INSURANCE RATES BY GENDER
Gender Average Yearly Cost
Male $1,299.75
Female $1,274.79



Mean Auto Insurance Rates in Tennessee by Marriage Status

One benefit of getting married — in addition to the wedding gifts — is the lower rates you typically receive on your car insurance policy. In Tennessee, wedded drivers save $81 annually on auto insurance policies. This is a better deal than the US post-nuptial discount of $76.


TENNESSEE CAR INSURANCE PREMIUMS BY MARITAL STATUS
Marital Status Average Annual Premium
Single $1,299.75
Married $1,219.15
Divorced $1,299.75
Widowed $1,281.76



Average Auto Insurance Costs in Tennessee by Credit

Insurers use credit to get an idea of the reliability of a prospective client. Historical data demonstrate drivers with exceptional credit are more reliable auto insurance customers: they're less likely to file claims insurance companies have to cover.

In Tennessee, a motorist with exceptional credit saves $1,563.16 per year in auto insurance premiums, versus a driver who has a poor credit rating. Read more about how credit history can affect auto insurance expenses:


TENNESSEE AUTO INSURANCE EXPENDITURES BY CREDIT TIER
Credit Level Average Yearly Premium
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



Median Auto Insurance Prices for Bad Drivers in Tennessee

If you are defined as at fault in a driving incident or convicted of a vehicular infraction, your insurance rates are bound to climb. The more violations you rack up, the more costly your car insurance policy gets.

In Tennessee, your first minor at-fault accident results in a penalty of $448.81 each year in car insurance premiums. A DUI — considered one of the most grave driving violations — can grow your yearly insurance rates in Tennessee by an average of $588.43.


TENNESSEE AUTO INSURANCE PREMIUMS WITH VIOLATIONS
Age Average Annual Rate
DUI or 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 are looking for a better deal on auto insurance, consider insurance shopping to find inexpensive coverage that fits your budget.


Find an affordable insurance policy today!

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