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United Svcs Automobile offers the cheapest car insurance rates in Tennessee for full coverage, at $733 annually, or $61 per month. Whereas Liberty Mutual is rated as the best car insurance company in Tennessee, based on Insurance.com's analysis.

There are a lot of different car insurance companies in Tennessee, and it can be tough to choose the one that suits your needs. Plus, car insurance rates can vary a lot from company to company. So how do you know which company is the best and cheapest for you?

To get the best rates, always compare quotes from multiple insurers. Factors such as your age, driving history, vehicle, and location significantly affect how much you pay for auto insurance.

KEY TAKEAWAYS
  • Liberty Mutual offers the best car insurance rates in Tennessee among the companies analyzed by Insurance.com.
  • In Tennessee, United Svcs Automobile provides the cheapest car insurance at $733 per year.
  • Car insurance rates differ with various driving profiles. Nationwide offers the cheapest car insurance prices for drivers with poor credit.
  • State Farm has the cheapest car insurance rates for any driver with a DUI in Tennessee. The insurance premium is $1,019 per year.

Best car insurance companies in Tennessee

Liberty Mutual is the best car insurance company in Tennessee with a 4.7 auto star rating, highest among the companies surveyed.

Experts at Insurance.com have analyzed the companies and compiled data from across Tennessee to help you make an informed decision. The table below shows the auto star rating for the insurers we have rated as the best car insurance companies in Tennessee.

CompanyAuto star ratings
Liberty Mutual4.7
Geico4.6
Auto-Owners4.1
State Farm4.0
Farmers3.9
Safeco3.9
Nationwide3.5
Erie3.3
Progressive3.1
Allstate3.0

Cheapest car insurance companies in Tennessee

United Svcs Automobile is the cheapest car insurance company in Tennessee that offers full coverage car insurance at an average rate of $733 annually or $61 a month.

CompanyAverage annual premiumAverage monthly premium
United Svcs Automobile Assn$733$61
State Farm Mutl Automobile Ins$914$76
GEICO Advantage$923$77
Nationwide of Am$1,021$85
Auto-Owners$1,104$92
Travelers Property Cas$1,191$99
Erie Ins Exchange$1,414$118
Allstate P&C$1,472$123
Farmers Ins Exchange$1,507$126
Metropolitan Casualty$1,659$138
Progressive Hawaii rp$1,662$139

Cheapest car insurance for teens in Tennessee

State Farm offers the cheapest car insurance for teens in Tennessee at about $3,321 a year. Teenagers pay higher rates for car insurance than experienced drivers. The cost of car insurance for an 18-year-old driver is much more than it is for drivers age 30.

Find below average annual premium of cheapest auto insurance companies in Tennessee for teens.

CompanyAverage annual premium
State Farm Mut Auto$3,321
Geico Gen$5,255
Progressive HI rp$6,019
Nationwide Of Amer$6,281
Allstate Prop & Cas$7,833
Mid Century$9,736

Cheapest car insurance for young drivers in Tennessee

Geico is the cheapest car insurance company for young drivers in Tennessee. Its average annual premium is $1,685 annually or $140 a month. On average, insurance rates for most people go down as they get older. People usually see a substantial drop in rates when they turn 25.

CompanyAverage annual premium
Geico Gen$1,685
Progressive HI rp$1,794
State Farm Mut Auto$1,995
Mid Century$2,373
Allstate Prop & Cas$2,974
Nationwide Of Amer$3,005

Cheapest car insurance for adults in Tennessee

Progressive HIrp offers the cheapest car insurance for adults in Tennessee for a full coverage policy with an average annual premium of $976 annually. The age group 25-55 pay lower rates than teen and young drivers because insurance companies see people of these age groups as experienced. And they are less likely to be involved in accidents and file insurance claims thus leading to less expensive car insurance premiums.

CompanyAverage annual premium
Progressive HI rp$976
Geico Gen$1,078
State Farm Mut Auto$1,205
Mid Century$1,537
Nationwide Of Amer$1,637
Allstate Prop & Cas$2,055

Cheapest car insurance for seniors in Tennessee

Progressive is the cheapest car insurance company for seniors in Tennessee. Its average annual premium is $843 a year or about $70 a month. It's common for drivers to see their rates go up as they enter the senior years of their lives. However, shopping around can help them save hundreds of dollars annually.

CompanyAverage annual premium
Progressive HI rp$843
State Farm Mut Auto$1,129
Mid Century$1,360
Nationwide Of Amer$1,552
Geico Gen$1,684
Allstate Prop & Cas$2,079

Cheapest car insurance rates in Tennessee by driving record

Location does matter, but it's not the only thing that impacts your car insurance rates. Your driving record also has an effect on how much you pay for coverage. A clean record doesn't necessarily mean lower premiums, but it may help persuade the insurer to give you a better deal than someone with a speeding ticket or accident record.

The best way to find affordable coverage in Tennessee is by comparing the rates of different insurance companies. Even if you have a bad driving history, there are companies that offer cheap rates for drivers in Tennessee.

Cheapest auto insurance for drivers with poor credit: Nationwide

Nationwide is the cheapest auto insurance company for drivers with poor credit. It offers car insurance policies to Tennessee drivers at an average of $1,520 a year.

Compare average annual premium of cheapest car insurance companies in Tennessee for drivers with poor credit.

CompanyAverage annual premium
Nationwide$1,520
Geico$1,719
United$1,731
Farmers Ins$2,264
Travelers$2,654
Auto-Owners$2,993
Allstate$3,271
Progressive$3,884
Erie Ins$4,539
Metropolitan$5,719
State Farm$6,030

Cheapest auto insurance for drivers with a speeding ticket: State Farm

State Farm offers the cheapest car insurance for drivers with a speeding ticket at about $1,019 annually for a full coverage auto insurance policy. When you receive a speeding ticket, your car insurance rates will go up for 3-5 years. Each insurance company uses different ways to calculate rates. Make sure you compare price quotes from different insurance providers to get the best deal.

CompanyAverage annual premium
State Farm$1,019
United$1,167
Nationwide$1,528
Erie Ins$1,725
Farmers Ins$1,905
Geico$1,988
Auto-Owners$2,039
Travelers$2,045
Allstate$2,182
Progressive$2,925
Metropolitan$3,861

Cheapest auto insurance after an at-fault accident: State Farm

State Farm has the cheapest auto insurance rate for drivers after an at-fault accident with an average of $1,100 per year. An accident stays on your driving record for 3-5 years, but comparison shopping can help you get cheap car insurance rates.

CompanyAverage annual premium
State Farm$1,100
United$1,411
Nationwide$1,665
Travelers$2,042
Farmers Ins$2,056
Erie Ins$2,108
Geico$2,160
Auto-Owners$2,613
Allstate$2,804
Progressive$3,592
Metropolitan$4,024

Cheapest auto insurance after a DUI: State Farm

The cheapest auto insurance company for drivers after a DUI is State Farm. It offers auto insurance at about $1,019 a year or $85 a month.

If you have a DUI conviction, you are considered a high-risk driver to insurers. Your rates will go up, but comparison shopping might help you get cheap auto insurance.

CompanyAverage annual premium
State Farm$1,019
United$1,881
Farmers Ins$1,973
Geico$2,009
Nationwide$2,039
Travelers$2,133
Erie Ins$2,490
Progressive$2,533
Allstate$2,687
Auto-Owners$3,660
Metropolitan$5,469

Average cost of car insurance in Tennessee

The average annual cost of car insurance in Tennessee for a full coverage policy is $1,236. For full coverage, the recommended coverage limits for Tennessee drivers is 100/300/100, where $100,000 is for bodily injury coverage per person, $30,000 for bodily injury per accident and property damage coverage of $100,000.

For the state minimum coverage, the average annual cost in Tennessee is $365.

State minimum average annual rateFull coverage average annual rate
$365$1,236

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