Minimum car insurance requirements in Tennessee
The minimum car insurance requirements in Tennessee are 25/50/25 in liability limits. State minimum coverage pays for injuries and property damage you cause to others, but does not cover damage to your own vehicle.
- 25/50/25 in liability coverage to help pay for injuries and property damage you cause in an accident.
Keep in mind that the minimum coverage required by Tennessee is just the bare minimum. Experts suggest raising your limits and adding extra coverage like collision and comprehensive to better protect yourself. Having enough coverage can give you peace of mind while driving.
| State Minimum Requirements | 25/50/25 |
| State minimum car insurance | $515 |
| Liability-only car insurance | $623 |
| Full coverage car insurance | $2,214 |
Average cost of car insurance in Tennessee
Car insurance in Tennessee costs around $2,214 annually for full coverage with 100/300/100 limits and $500 deductibles. Minimum coverage costs about $515 per year.
Rates change based on company, location, vehicle, driving history, and coverage choices.
| Average annual premium | $2,214 |
| Average monthly premium | $184 |
Cheapest car insurance companies in Tennessee
Travelers offers the cheapest average car insurance rates in Tennessee for a full coverage policy. Every car insurance company sets car insurance rates differently. Some focus more on age, while others pay closer attention to driving records.
Comparing quotes from multiple companies can help drivers find lower premiums and better coverage options.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| Travelers | $397 | $494 | $1,657 |
| GEICO | $321 | $423 | $1,673 |
| Erie Insurance | $290 | $387 | $2,004 |
| Farm Bureau Insurance of Tennessee | $333 | $417 | $2,067 |
| Farmers | $597 | $787 | $2,190 |
| Nationwide | $978 | $983 | $2,373 |
| Progressive | $523 | $654 | $2,661 |
| State Farm | $646 | $813 | $3,073 |
| Allstate | $808 | $959 | $3,242 |
| USAA | $270 | $380 | $1,271 |
Tennessee car insurance rates by age group
Age has a big effect on car insurance rates. In Tennessee, younger drivers with less experience usually pay the most. As drivers get older and gain more experience, their rates usually go down.
The table below shows the average car insurance rates in Tennessee based on age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $7,982 |
| Young Adults (20-24) | $3,611 |
| Adults (25-60) | $2,199 |
| Seniors (65-75) | $2,099 |
Tennessee car insurance costs by coverage level
Generally, Tennessee minimum car insurance is the cheapest option. However, it won't protect you or your vehicle, even if you increase your limits. Although full coverage is more expensive, it includes collision and comprehensive coverages, which pay for damages to your car from an accident or events like severe weather.
Compare Tennessee car insurance costs based on coverage level below.
| State minimum car insurance | $515 |
| Liability-only car insurance | $623 |
| Full coverage car insurance | $2,214 |
Cheapest car insurance companies in Tennessee by driver profile
Those with violations and accidents pay higher insurance rates. The highest rates in Tennessee are for drivers with Bad Credit
Comparing quotes becomes especially important for high-risk drivers because insurers apply rate increases differently.
| Profile | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-Fault Accident | $2,214 | $3,463 | $1,249 | 56% |
| Bad Credit | $2,214 | $4,884 | $2,671 | 121% |
| Careless driving | $2,214 | $2,892 | $679 | 31% |
| Claims | $2,214 | $2,475 | $261 | 12% |
| DUI | $2,214 | $3,816 | $1,603 | 72% |
| Reckless driving | $2,214 | $3,783 | $1,569 | 71% |
| Speeding | $2,214 | $3,068 | $855 | 39% |
| Texting ticket | $2,214 | $2,811 | $598 | 27% |
How much does car insurance cost in Tennessee per month?
The average monthly cost of car insurance in Tennessee depends on how much coverage you pick. Minimum coverage is the cheapest, while full coverage gives you more protection for a higher price.
| Coverage Level | Average monthly premium | Average annual cost |
|---|---|---|
| State Minimum BI/PD | $43 | $515 |
| Liability Only - 50/100/50 BI/PD | $52 | $623 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $184 | $2,214 |
Car insurance discounts in Tennessee
The car insurance discounts you can get and how much you can save depend on both the company and the state. As a result, in Tennessee, savings can be very different from one company to another.
Common car insurance discounts include:
- Multi-policy discount
- Safe driver discount
- Good student discount
- Defensive driving discount
- Multi-vehicle discount
- Anti-theft device discount
- Telematics discount
- Paperless billing discount
Ask about all available discounts before purchasing coverage.
| Discount type | Premium before discount | Premium after discount | $ Saving | % Saving |
|---|---|---|---|---|
| Anti-Theft Device | $2,214 | $2,195 | $18 | 1% |
| Comp and Coll Deductibles | $2,214 | $1,793 | $421 | 19% |
| Daily Commute | $2,214 | $2,041 | $173 | 8% |
| Days Advanced Purchase | $2,214 | $2,057 | $157 | 7% |
| Education | $2,214 | $1,946 | $267 | 12% |
| Electronic Funds Transfer | $2,214 | $2,139 | $75 | 3% |
| Homeowner | $2,214 | $2,085 | $128 | 6% |
| Lower Annual Mileage | $2,214 | $2,078 | $135 | 6% |
| Loyalty - Years Renewal With Company | $2,214 | $2,110 | $103 | 5% |
| Marital Status | $2,214 | $2,041 | $173 | 8% |
| Multi Policy | $2,214 | $2,015 | $199 | 9% |
| Paperless/Electornic Documents | $2,214 | $2,128 | $85 | 4% |
| Payment Type | $2,214 | $2,018 | $195 | 9% |
| Primary Use | $2,214 | $1,994 | $220 | 10% |
| Profession | $2,214 | $1,845 | $368 | 17% |
| Safety Devices | $2,214 | $2,127 | $87 | 3% |
| Telematics | $2,214 | $1,984 | $230 | 11% |
| Years Insured | $2,214 | $1,755 | $459 | 19% |
How to lower car insurance costs in Tennessee
You can lower your car insurance premiums in Tennessee by comparing quotes from multiple insurers, choosing a higher deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim., and maintaining a clean driving record.
Ways to save on car insurance include:
- Compare quotes from multiple insurers
- Raise deductibles
- Maintain a clean driving record
- Bundle insurance policies
- Drive a vehicle with lower repair costs
- Ask about available discounts
- Reduce optional coverage on an older vehicle
Review your policy regularly to ensure it continues to provide the right level of coverage at competitive rates.
Car insurance rates in Tennessee by model year
The vehicle you drive also affects Tennessee car insurance rates. For example, newer cars cost more to repair since they have expensive parts, such as collision warning systems, cameras, and anti-theft devices.
See how the model and age of the vehicle affect Tennessee car insurance rates below.
Compare Accord insurance rates by state
| Company | Average annual premium |
|---|---|
| Nationwide | $2,278 |
| State Farm | $2,294 |
| Travelers | $2,520 |
| UAIC | $2,680 |
| GEICO | $3,072 |
| Mercury Insurance | $3,808 |
| Allstate | $4,208 |
| Farmers | $4,559 |
| Progressive | $4,588 |
| AIG | $5,738 |
Compare auto insurance rates by city in Tennessee
Auto insurance rates vary not just by state, but also by city. Cities have different levels of risk based on factors like accident rates, claim costs, weather and more. That means where you live in Tennessee will impact what you pay. Below, we've gathered Tennessee car insurance rates by city for comparison.
| City | Annual insurance premium |
|---|---|
Ashland City | $2,226 |
Dayton | $2,072 |
Knoxville | $2,025 |
Memphis | $2,950 |
Nashville | $2,257 |
Car insurance premium trends in Tennessee
Car insurance rates change regularly, influenced by changes in the cost of repairs, claim rates and other factors. Recent years have seen car insurance rates rise across the country, but not every state has seen the same increases.
We've tracked car insurance premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. trends in Tennessee to show you how things have changed and help you prepare for potential changes in the future. Take a look at the chart below.
Methodology
Car insurance rates are based on a sample driver profile with the following characteristics:
- 40-year-old driver
- Honda Accord LX
- Good credit
- Clean driving record
- 12-mile daily commute
- 10,000 annual miles driven
Full coverage rates are based on:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- $500 collision deductible
- $500 comprehensive deductible
Additional rate data includes:
- State minimum coverage limits
- Teen, young adult, adult and senior drivers
- Poor, fair and excellent credit tiers
- Speeding tickets
- DUI convictions
- At-fault accidents
Rates are sourced from Quadrant Information Services and analyzed across multiple ZIP codes and insurers.
Car insurance in Tennessee: FAQ
How much is car insurance in Tennessee?
Car insurance in Tennessee costs an average of $2,214 annually for full coverage and $515 per year for minimum coverage policies.
Which company has the cheapest car insurance in Tennessee?
Travelers offers the cheapest average car insurance rates in Tennessee.
What does full coverage car insurance include?
Full coverage insurance includes liability insurance and all coverage required by Tennessee law, plus collision and comprehensive coverage for damage to your own vehicle.
Why does car insurance cost more after a DUI or accident?
Car insurance in Tennessee costs an average of $2,214 annually for full coverage and $515 per year for minimum coverage policies.
Compare Tennessee car insurance rates with other states
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