Car insurance costs in Tennessee vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Tennessee Farmers offers the cheapest annual rates for full coverage car insurance in Tennessee at $1,355 annually.
We’ve compiled this detailed guide to help you choose the right car insurance in Tennessee. The team at CarInsurance.com has done all the hard work by researching and analyzing insurance prices for different kinds of drivers.
Keep reading to learn how auto insurance in Tennessee works and how much insurance you need.
- Tennessee Farmers provides the most affordable annual rates for full coverage car insurance in Tennessee, costing $1,355 per year.
- In Tennessee, insurance costs differ depending on factors such as coverage limits, age and location, with key factors including the make/model of your vehicle and your driving history
- Minimum liability coverage in Tennessee costs $442 annually for limits of 25/50/25, while liability-only coverage costs $547 per year for limits of 50/100/50.
- In Tennessee, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 33%, a DUI raising rates by 62%, and an at-fault accident by up to 55%.
How much is car insurance in Tennessee?
CarInsurance.com data found that drivers in Tennessee pay $140 monthly for full coverage car insurance.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
Average cost of auto insurance in Tennessee by coverage level
In Tennessee, car insurance rates can differ depending on how much coverage you choose. Drivers in Tennessee are required by law to have minimum insurance coverage limits of 25/50/25 to drive legally.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Tennessee. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Tennessee for different coverage levels.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $37 | $442 |
| Liability Only – 50/100/50 BI/PD | $46 | $547 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $140 | $1,677 |
State minimum car insurance in Tennessee
In Tennessee, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum coverage in Tennessee costs $442 a year but doesn’t provide much protection for drivers. Tennessee drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Tennessee must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Tennessee
Liability-only car insurance costs $547 in Tennessee for coverage limits of 50/100/50, according to CarInsurance.com data.
This policy covers the cost of damages caused to others but not damages to the policyholder’s vehicle or passengers. While it is less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Tennessee
On average, premiums for full coverage car insurance in Tennessee cost $1,677 per year for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
Calculate the cost of car insurance in Tennessee
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
As a result, people living in higher-risk neighborhoods of Tennessee have to pay more than those living where the risks are lower.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Tennessee car insurance rates by ZIP Code
For 30 year old Male ( Liability - Minimum)
Estimate car insurance in Tennessee by car model
Tennessee car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
See how much you’ll pay for car insurance for your specific make and model in Tennessee.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Tennessee
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Tennessee drivers aged 30 to 60 have the lowest average auto insurance rates at $1,630 annually.
Tennessee drivers aged 16-19 pay $4,066 more for insurance premiums than drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,696 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,598 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,630 per year in Tennessee.
- For senior drivers: Drivers age 65 and older can expect to pay $1,670 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Tennessee
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Tennessee, a DUI conviction often results in higher premiums and you may see an increase of up to 62% as insurers perceive you as a high-risk driver.
If you receive a speeding ticket in Tennessee, be prepared for your car insurance rates to rise by up to 33% when you renew your policy. This increase might last for about three years. However, the exact amount of the increase depends on the specific laws in your state, your insurance provider and your driving record.
Here’s a breakdown of how much your car insurance rate goes up in Tennessee following driving incidents:
- Speeding ticket: Up to 33% increase
- DUI conviction: 62% increase
- At-fault accident (bodily injury and property damage): 55% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Tennessee for high-risk drivers
In Tennessee, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to determine which company has the best prices for drivers with speeding tickets, DUIs, or at-fault accidents on their driving records.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,808 |
| State Farm | $1,969 |
| Erie Insurance | $2,125 |
| Travelers | $2,125 |
| Progressive | $2,458 |
| Nationwide | $2,674 |
| Geico | $2,994 |
| Farmers | $3,044 |
| Allstate | $4,805 |
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Tennessee
In Tennessee, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Begin your search for the top car insurance policy in Tennessee by getting quotes from multiple insurance providers and comparing them.
Below is a breakdown of car insurance companies in Tennessee and their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Tennessee Farmers | $287 | $352 | $1,355 |
| Travelers | $390 | $486 | $1,395 |
| Progressive | $605 | $663 | $1,550 |
| Geico | $316 | $409 | $1,565 |
| Erie Insurance | $307 | $395 | $1,598 |
| Nationwide | $603 | $725 | $1,632 |
| State Farm | $342 | $425 | $1,677 |
| Farmers | $536 | $753 | $1,770 |
| Allstate | $772 | $885 | $3,032 |
| USAA | $266 | $375 | $1,194 |
Car insurance rates by city in Tennessee
Memphis is the most expensive city in Tennessee, with an average car insurance rate of $2,161 a year. Bristol is the cheapest city for Tennessee drivers at an average rate of $1,385 annually.
Car insurance premiums differ across cities in Tennessee and are influenced by traffic conditions. Cities with heavier traffic often experience more frequent accidents and insurance claims, which results in higher insurance costs.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below, you’ll see the average annual car insurance cost of major cities in Tennessee.
Select your city below to see the insurance company and its average full coverage rates.
| Company Name | Insurance Rates |
|---|---|
| USAA | $1,232 |
| Travelers | $1,354 |
| Farm Bureau Insurance of Tennessee | $1,368 |
| Nationwide | $1,510 |
| Progressive | $1,579 |
| Erie Insurance | $1,618 |
| State Farm | $1,733 |
| Farmers | $1,735 |
| Geico | $1,783 |
| Allstate | $3,029 |
How much does car insurance cost in Tennessee per month?
The average cost of a full-coverage car insurance policy in Tennessee costs $140 monthly for coverage limits of 100/300/100.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
Alternatively, paying your car insurance in full upon renewal may earn you a discount. Ultimately, the ideal choice depends on your needs and situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $37 |
| Liability Only – 50/100/50 BI/PD | $46 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $140 |
Final thoughts on choosing car insurance in Tennessee
There’s no one best car insurance for everyone. Some drivers are willing to pay a bit more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road in Tennessee.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed March 2025.
- USAA. “How credit affects insurance premiums.” Accessed March 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Tennessee. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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