Compare Car Insurance Rates in Tennessee

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Cheap Car Insurance Tennessee: Full and Minimum Coverage

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  • The average cost of car insurance in Tennessee is $32 per month for minimum-coverage policies and $128 per month for full coverage.
  • Auto-Owners typically offers the most affordable policies in Tennessee for minimum coverage, while USAA is the cheapest full-coverage option.
  • State Farm is our top recommendation for Tennessee drivers due to its combination of affordable average rates and quality insurance coverage.

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According to our research, Auto-Owners generally offers the cheapest car insurance in Tennessee with an average rate estimate of $20 per month for minimum coverage. State Farm comes in with the second-cheapest coverage on average for Tennessee drivers with a rate estimate of $22 per month.

Our review team takes companys’ average costs, coverage choices, customer reviews, and industry reputations into consideration when determining which offer the best car insurance in Tennessee. We’ll break down each provider’s average costs to reveal where you can find high-quality and affordable coverage in the Volunteer State that fits your needs.

Best Car Insurance Rates in Tennessee

Tennessee drivers can typically find some of the cheapest average rates through Auto-Owners, State Farm, and USAA. We recommend getting quotes from multiple providers to determine which company has the lowest prices for your vehicle.

  • Our researchers used cost data from Quadrant Information Services to find insurance premium estimates for different coverage types, driver profiles, and cities in Tennessee. We used this data to determine the cheapest coverage options from quality car insurance providers, and you’ll find details in tables throughout the article.
  • To determine an overall rating for each top insurance company, our team considers not only affordability but also industry standing, availability, and coverage options. We then factor in the customer experience and online reviews to establish a numerical rating out of the highest possible score of 5.0.
  • Unless stated otherwise, estimates reflect the profile of a 35-year-old driver with a clean driving record and good credit history.
  • You’ll find detailed cost estimates in the sections below, but we’ve listed out the cheapest car insurance companies in Tennessee for a few driver profiles right here:
    • Cheapest full coverage: USAA followed by State Farm
    • Cheapest minimum coverage: Auto-Owners followed by State Farm
    • Cheapest for teen drivers: Erie followed by State Farm
    • Cheapest for drivers with a traffic violation: State Farm followed by Tennessee Farmers Mutual

Cheapest Car Insurance Companies in Tennessee

Based on our research, we found that the following auto insurance providers offer the best combination of affordable coverage and high-quality plans in the Volunteer State. Although Auto-Owners typically offers the cheapest rates overall, State Farm received the highest overall score of any insurer we researched.

Car Insurance ProviderOverall RatingAverage Monthly Rate: Minimum CoverageAverage Monthly Rate: Full CoverageNumber of Discounts
State Farm4.7$22$10012

Cheapest Car Insurance Coverage in Tennessee

Minimum-liability coverage is the cheapest type of car insurance you can purchase in the Volunteer State. It meets the minimum requirements set by Tennessee state law, but it doesn’t protect your vehicle or take care of your injuries – just those of other drivers and their passengers.

Full-coverage auto insurance adds coverage for your vehicle and medical bills. It comes at a higher cost, but it could save you money in the case of an at-fault accident.

Cheapest Minimum-Liability Car Insurance in Tennessee

The average cost of a minimum-coverage policy in Tennessee is $32 per month or $384 per year. Auto-Owners typically offers the cheapest minimum-liability policies with average costs of $20 per month or $236 per year.

Car Insurance ProviderAverage Monthly Rate for Minimum CoverageAverage Yearly Rate for Minimum Coverage
State Farm$22$259
Tennessee Farmers Mutual$25$302

Cheapest Full-Coverage Car Insurance in Tennessee

In Tennessee, the average rate for full-coverage car insurance is $128 per month or $1,535 per year. Overall, USAA tends to offer the cheapest average costs for full-coverage insurance at $93 per month or $1,118 per year.

Car Insurance ProviderAverage Monthly Rate for Full CoverageAverage Yearly Rate for Full Coverage
State Farm$100$1,202
Tennessee Farmers Mutual$113$1,358

Tennessee Car Insurance Quotes by Driver Profile

Car insurance rates are highly dependent on your individual driver profile, and what you pay for coverage will likely vary from the costs listed above. Your age, driving record, and city are just a few of the factors that influence car insurance costs.

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Cheapest Car Insurance in Tennessee: Age

Age is one of the most significant factors used to determine car insurance costs. Teen drivers in particular pay far more for auto insurance than those in other age groups. In the table below, you’ll find average rates for Tennessee drivers of different ages:

Driver AgeAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage

Cheapest Car Insurance in Tennessee: High-Risk Drivers

While a clean driving record leads to some of the lowest car insurance rates, violations can cause coverage costs to increase significantly. Any at-fault accidents or speeding tickets on your record can result in higher premiums.

How much your driving record impacts your monthly cost varies by car insurer. Below is a list of the top insurers in Tennessee and their average minimum-coverage rates for good drivers versus high-risk drivers.

Car Insurance ProviderAverage Monthly Rate for Clean Driving RecordsAverage Monthly Rate for High-Risk Drivers
State Farm$22$25
Tennessee Farmers Mutual$25$30

Car Insurance Rates in Tennessee: Speeding Ticket

Even one speeding ticket can increase what you pay for car insurance. For Tennessee drivers, State Farm tends to offer the cheapest car insurance after a speeding ticket with an average rate estimate of $22 per month or $259 per year. Tennessee Farmers Mutual follows close behind with competitive rates averaging $25 per month or $302 per year.

Car Insurance ProviderAverage Monthly Rate After a Speeding TicketAverage Yearly Rate After a Speeding Ticket
State Farm$24$287
Tennessee Farmers Mutual$25$302

Car Insurance Rates in Tennessee: At-Fault Accident

Tennessee Farmers Mutual generally offers the cheapest coverage for drivers with a recent accident, with an average rate estimate of $25 per month or $302 per year. State Farm and USAA generally offer affordable coverage for drivers with an at-fault accident as well.

Car Insurance ProviderAverage Monthly Rate After an At-Fault AccidentAverage Yearly Rate After an At-Fault Accident
Tennessee Farmers Mutual$25$302
State Farm$26$316

Car Insurance Rates in Tennessee: DUI

Receiving a driving under the influence (DUI) violation can also increase your auto insurance premiums. For Tennessee motorists with a DUI on their record, State Farm offers average estimates of $22 per month or $259 per year. Progressive and Tennessee Farmers Mutual also provide relatively affordable premiums for these drivers.

Car Insurance ProviderAverage Monthly Rate After a DUIAverage Yearly Rate After a DUI
State Farm$24$287
Tennessee Farmers Mutual$40$474

Average Cost of Car Insurance in Tennessee

The average cost of minimum-liability car insurance in Tennessee is $384 per year, which is about 39% lower than the national average of $625 per year. Full-coverage insurance in Tennessee costs $1,535 per year on average, which is about 20% lower than the national average rate of $1,906 per year.

Average Car Insurance Cost in Tennessee by City

Auto insurance premiums vary a good bit even within Tennessee based on your ZIP code. The city where you live significantly impacts what you pay due to potential risk factors in your area, such as population density, crime rates, and weather patterns. The table below shows the average rates for car insurance in Tennessee’s largest cities.

Cities in TennesseeAverage Monthly Rate for Minimum CoverageAverage Monthly Rate for Full Coverage
Johnson City$29$107
Spring Hill$31$120

Tennessee Minimum Car Insurance Coverage

According to Tennessee law, all drivers must either meet or exceed the following minimum-coverage requirements:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $25,000 property damage liability per accident

While purchasing a minimum-liability policy fulfills your state’s requirements, it doesn’t protect against everything – including damage to your own vehicle. You may want to add collision coverage and comprehensive coverage to ensure that your vehicle is protected in the case of vandalism, a car accident, or severe weather, for example. Other types of coverage such as medical payments coverage (MedPay) could help cover potential medical expenses as well.

Cheap Car Insurance in Tennessee: Conclusion

The cheapest car insurance in Tennessee often comes from Auto-Owners, which has average rates of $20 per month for minimum coverage. One of the best ways to find cheap rates is to compare auto insurance quotes from various providers to find the best deal for your situation.

You may also want to consider the protection of a full-coverage policy for greater peace of mind. Our team found full-coverage rates as low as $93 per month on average from USAA.

Best Car Insurance in Tennessee: Recommended Providers

The company that offers the cheapest rates is unique to every driver. You’ll want to reach out to multiple insurers for quotes to find the best price and coverage for you. For Tennessee drivers, we recommend considering Auto-Owners and State Farm.

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Auto-Owners: 4.3 out of 5.0

If you’re looking for a minimum-coverage auto insurance policy, Auto-Owners is worth considering. With the cheapest average minimum-liability rates for Tennessee drivers, the company can be a smart and affordable choice for coverage.

State Farm: 4.7 out of 5.0

The price estimates for State Farm car insurance in Tennessee were extremely competitive, nearly matching those from Auto-Owners. Combined with the company’s reputation and financial strength, this makes State Farm an excellent option for those seeking coverage in the Volunteer State. State Farm is also known to offer plenty of safe driving discounts, with 12 choices for Tennessee motorists.

Cheapest Auto Insurance in Tennessee: FAQ

Which company gives the cheapest car insurance?

State Farm generally offers the cheapest car insurance when it comes to national averages. Drivers in Tennessee tend to find the lowest premiums from Auto-Owners and State Farm.

How much is car insurance per month in Tennessee?

The average cost of car insurance per month in Tennessee is $32 for a minimum-coverage policy and $128 for full coverage. Our team found rates in Tennessee as low as $20 per month for minimum coverage and $93 for full coverage.

How to reduce car insurance in Tennessee?

If you’re looking to save on your Tennessee auto insurance costs, you can lower your coverage limits, increase your deductible, and take advantage of available discounts. Bundling your auto insurance with homeowners or renters insurance is another great way to get lower rates.

How much is car insurance on average in Tennessee?

Car insurance in Tennessee averages out to $384 per year for minimum coverage and $1,535 annually for full-coverage policies.

Is it illegal to drive without insurance in Tennessee?

Yes, it is illegal to drive without insurance in Tennessee. Expect to receive a misdemeanor if you’re caught driving without coverage and current registration. It’s possible that you could be fined, lose permission to drive, or even face a short time in prison.

Is it cheaper to pay car insurance every six months or monthly?

It’s typically cheaper with most insurers if you pay your car insurance bill every six months rather than monthly. Some auto insurers even offer discounts for paying up front.

Our Methodology

Our expert review team takes satisfaction in providing accurate and unbiased information. We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best car insurance providers.

  • Affordability: A variety of factors influence cost, so it can be difficult to compare quotes between providers. Our team considers auto insurance rate estimates generated by Quadrant Information Services and discount opportunities when giving this score.
  • Coverage: Because each consumer has unique needs, it’s essential that a car insurance company offers an array of coverage options. We take into account types of insurance available, maximum coverage limits, and add-on policies.
  • Industry Standing: Our team considers Better Business Bureau (BBB) ratings, financial strength, and years in business when giving this score.
  • Availability: Auto insurers with greater state availability and few eligibility requirements are more likely to meet consumer needs.
  • Customer Service: Reputable car insurance providers operate with a certain degree of care for consumers. We consider complaints filed with the National Association of Insurance Commissioners (NAIC), J.D. Power claims servicing scores, and customer feedback.
  • Online Experience: Insurers with easy-to-use websites and highly rated mobile apps scored best in this category.

*Data accurate at time of publication.