USAA offers the cheapest car insurance rates in Tennessee for full coverage, at $966 annually, or $81 per month. Whereas Progressive 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
- Progressive offers the best car insurance rates in Tennessee among the companies analyzed by Insurance.com.
- In Tennessee, USAA provides the cheapest car insurance at $966 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 $2,124 per year.
- Best car insurance companies in Tennessee
- Cheapest car insurance companies in Tennessee
- Cheapest car insurance for teens in Tennessee
- Cheapest car insurance for young drivers in Tennessee
- Cheapest car insurance for adults in Tennessee
- Cheapest car insurance for seniors in Tennessee
- Cheapest car insurance rates in Tennessee by driving record
- Average cost of car insurance in Tennessee
- Compare car insurance by city in Tennessee
Best car insurance companies in Tennessee
Progressive is the best car insurance company in Tennessee with a 3.4 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.
| Company | Auto star ratings |
|---|---|
| Liberty Mutual | 4.7 |
| Geico | 4.6 |
| Auto-Owners | 4.1 |
| State Farm | 4.0 |
| Farmers | 3.9 |
| Safeco | 3.9 |
| Nationwide | 3.5 |
| Erie | 3.3 |
| Progressive | 3.1 |
| Allstate | 3.0 |
Cheapest car insurance companies in Tennessee
USAA is the cheapest car insurance company in Tennessee that offers full coverage car insurance at an average rate of $966 annually or $81 a month.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| USAA | $966 | $81 |
| Geico | $982 | $82 |
| Auto-Owners | $1,077 | $90 |
| Nationwide | $1,082 | $90 |
| State Farm | $1,187 | $99 |
| Travelers | $1,232 | $103 |
| Farmers | $1,280 | $107 |
| Erie Insurance | $1,349 | $112 |
| Allstate | $1,928 | $161 |
| Progressive | $2,025 | $169 |
Cheapest car insurance for teens in Tennessee
Geico offers the cheapest car insurance for teens in Tennessee at about $3,172 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.
| Company | Average annual premium |
|---|---|
| Geico | $3,172 |
| USAA | $3,668 |
| Erie Insurance | $3,793 |
| State Farm | $3,896 |
| Travelers | $4,184 |
| Nationwide | $4,674 |
| Auto-Owners | $5,207 |
| Farmers | $6,119 |
| Allstate | $7,664 |
| Progressive | $10,329 |
Cheapest car insurance for young drivers in Tennessee
USAA is the cheapest car insurance company for young drivers in Tennessee. Its average annual premium is $1,566 annually or $131 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.
| Company | Average annual premium |
|---|---|
| USAA | $1,566 |
| Geico | $1,606 |
| Farmers | $1,842 |
| Nationwide | $1,989 |
| Travelers | $2,012 |
| Auto-Owners | $2,033 |
| State Farm | $2,198 |
| Erie Insurance | $2,484 |
| Allstate | $3,057 |
| Progressive | $3,758 |
Cheapest car insurance for adults in Tennessee
USAA offers the cheapest car insurance for adults in Tennessee for a full coverage policy with an average annual premium of $998 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.
| Company | Average annual premium |
|---|---|
| USAA | $998 |
| Geico | $1,026 |
| Nationwide | $1,093 |
| Auto-Owners | $1,119 |
| State Farm | $1,225 |
| Farmers | $1,279 |
| Travelers | $1,280 |
| Erie Insurance | $1,431 |
| Allstate | $1,962 |
| Progressive | $2,111 |
Cheapest car insurance for seniors in Tennessee
USAA is the cheapest car insurance company for seniors in Tennessee. Its average annual premium is $935 a year or about $78 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.
| Company | Average annual premium |
|---|---|
| USAA | $935 |
| Geico | $961 |
| Auto-Owners | $1,073 |
| Nationwide | $1,087 |
| State Farm | $1,125 |
| Travelers | $1,270 |
| Farmers | $1,275 |
| Erie Insurance | $1,379 |
| Progressive | $1,956 |
| Allstate | $2,021 |
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 $2,606 a year.Compare average annual premium of cheapest car insurance companies in Tennessee for drivers with poor credit.
| Company | Average annual premium |
|---|---|
| Nationwide | $1,502 |
| Geico | $1,564 |
| USAA | $1,713 |
| Farmers | $1,947 |
| Travelers | $2,308 |
| Auto-Owners | $2,895 |
| Allstate | $3,214 |
| Progressive | $3,313 |
| State Farm | $3,608 |
| Erie | $4,000 |
Cheapest auto insurance for drivers with a speeding ticket: USAA
USAA offers the cheapest car insurance for drivers with a speeding ticket at about $1,677 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.| Company | Average annual premium |
|---|---|
| USAA | $1,100 |
| State Farm | $1,208 |
| Nationwide | $1,264 |
| Erie | $1,503 |
| Geico | $1,674 |
| Farmers | $1,696 |
| Auto-Owners | $1,763 |
| Travelers | $1,853 |
| Allstate | $2,146 |
| Progressive | $2,570 |
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 $2,026 per year. An accident stays on your driving record for 3-5 years, but comparison shopping can help you get cheap car insurance rates.| Company | Average annual premium |
|---|---|
| State Farm | $1,308 |
| USAA | $1,390 |
| Nationwide | $1,658 |
| Travelers | $1,818 |
| Farmers | $1,835 |
| Erie | $1,854 |
| Geico | $1,867 |
| Auto-Owners | $2,550 |
| Allstate | $2,758 |
| Progressive | $3,221 |
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 $2,124 a year or $177 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.
| Company | Average annual premium |
|---|---|
| State Farm | $1,208 |
| Farmers | $1,756 |
| USAA | $1,766 |
| Geico | $1,864 |
| Travelers | $1,976 |
| Nationwide | $2,040 |
| Progressive | $2,180 |
| Erie | $2,202 |
| Allstate | $2,645 |
| Auto-Owners | $3,604 |
Average cost of car insurance in Tennessee
The average annual cost of car insurance in Tennessee for a full coverage policy is $1,311. 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 $329.
| State minimum average annual rate | Full coverage average annual rate |
|---|---|
| $365 | $1,236 |
Compare car insurance by city in Tennessee
| Car Insurance in | Ashland city, TN |
| Car Insurance in | Dayton, TN |
| Car Insurance in | Memphis, TN |
Compare other states
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