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

The Zebra
Feb. 8, 2019

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

Mean Auto Insurance Prices in Tennessee by 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 more risky.

In Tennessee, auto insurance runs $7,926 each year for a 16-year-old driver, compared to $1,109 yearly for a driver between 50 and 59 years of age.


TENNESSEE AUTO INSURANCE PRICES BY AGE
AgeAverage 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.


TENNESSEE CAR INSURANCE RATES FOR WOMEN VS. MEN
GenderAverage 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.


TENNESSEE AUTO INSURANCE COSTS BY MARITAL STATUS
Marital StatusAverage 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. You never know what savings you'll find!


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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 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 $1,563.16 each year on car insurance, compared with a driver who has a poor credit history. Read more about how credit history affects car insurance expenses:


TENNESSEE AUTO INSURANCE COSTS BY CREDIT TIER
Credit TierAverage 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 $448.81 annually in auto insurance premiums. A DWI — among the most severe driving infractions — could grow your annual insurance expenditure in Tennessee by as much as $588.43.


TENNESSEE AUTO INSURANCE PRICES AFTER VIOLATIONS
AgeAverage 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.


TENNESSEE CAR INSURANCE PRICES BY COVERAGE TIER
Coverage LevelAverage 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 policy shopping to find reasonably priced coverage that fits your needs.


Compare rates today!

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