Geico offers the cheapest auto insurance at $982 per year or $82 monthly, on average. If you’re eligible, you can get cheaper rates at USAA, where the average is $966 a year. Both are below the average Tennessee car insurance rate of $1,311 a year.
Cheap isn’t everything, and an Insurance.com analysis of rates, complaints, and financial stability found Auto-Owners to be the best insurance company in Tennessee.
Many factors go into your insurance premium. Insurance companies use your driving record, the type of car you drive, and the coverage you select to determine your average annual car insurance cost.
Read on to compare Tennessee insurance rates by company, age, and more.
Key takeaways
- Auto-Owners is the best car insurance company in Tennessee overall, with below-average rates and a low complaint ratio.
- Geico is the cheapest car insurance company for all residents in Tennessee at $982 per year.
- Geico has the cheapest rates for teen, adult, and senior drivers in Tennessee.
- Average cost of car insurance in Tennessee
- Best car insurance companies in Tennessee
- Cheapest car insurance companies in Tennessee
- Cheapest car insurance cost in Tennessee by age
- Cheapest car insurance companies in Tennessee by driver profile
- Compare auto insurance rates by city in Tennessee
- Compare auto insurance rates with other states
- Methodology
Average cost of car insurance in Tennessee
The average car insurance rate in Tennessee is $1,311 a year for a full coverage policy with a coverage level of 100/300/100 for a driver age 40, according to a rate analysis by Insurance.com. For the state minimum coverage, the average annual cost in Tennessee is $329.
Best car insurance companies in Tennessee
Auto-Owners is the best car insurance company in Tennessee, based on a 2023 analysis by Insurance.com, with an overall rating of 4.61. Geico came in a close second with an overall rating of 4.46.
Below is a full list of the top Tennessee insurance companies based on price, NAIC complaint ratio, and AM Best financial ratings. The total Insurance.com score is calculated out of five using these factors.
| Insurance company | AM Best | Average annual rate | NAIC Complaint ratio | Insurance.com score |
|---|---|---|---|---|
| Auto-Owners | A++ | $ 1,077 | 0.64 | 4.61 |
| Geico | A++ | $ 982 | 0.77 | 4.46 |
| State Farm | A++ | $ 1,187 | 0.52 | 4.41 |
| Nationwide | A+ | $ 1,082 | 0.66 | 4.26 |
| USAA* | A++ | $ 966 | 0.99 | 4.03 |
| Travelers | A++ | $ 1,232 | 1.03 | 3.6 |
| Farmers | A | $ 1,280 | 0.77 | 3.47 |
| Erie Insurance | A+ | $ 1,349 | 0.95 | 3.31 |
| Progressive | A+ | $ 2,025 | 0.73 | 2.87 |
| Allstate | A+ | $ 1,928 | 0.95 | 2.54 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Tennessee
Don't just go with the first insurer you come across. Comparison shopping is the key when it comes to finding the best deal on auto insurance. Get quotes from several different insurers and compare their rates. You may be surprised at how much difference there can be in rates from one company to another.
We have gathered price quotes from all the major insurance providers in Tennessee and put together a list of the cheapest car insurance companies. Based on a rate analysis by Insurance.com, USAA is the cheapest auto insurance company in Tennessee, with average rates of $966 annually or $80 a month for full coverage. Geico is the cheapest company overall and is open to all drivers, with an average annual rate of $982 for full coverage in Tennessee.
| Company | State minimum | 50/100/50 liability only | 100/300/100 liability with $500 comp/coll deductible |
|---|---|---|---|
| USAA* | $ 239 | $ 296 | $ 966 |
| Geico | $ 232 | $ 293 | $ 982 |
| Auto-Owners | $ 252 | $ 263 | $ 1,077 |
| Nationwide | $ 389 | $ 515 | $ 1,082 |
| State Farm | $ 278 | $ 361 | $ 1,187 |
| Travelers | $ 388 | $ 490 | $ 1,232 |
| Farmers | $ 407 | $ 491 | $ 1,280 |
| Erie Insurance | $ 280 | $ 365 | $ 1,349 |
| Allstate | $ 534 | $ 603 | $ 1,928 |
| Progressive | $ 294 | $ 416 | $ 2,025 |
USAA offers car insurance only to military members, veterans and their families.
Auto insurance calculator
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Cheapest car insurance cost in Tennessee by age
In Tennessee, car insurance rates are higher for teenagers as they are more prone to accidents due to their lack of experience on the road.
Geico offers the cheapest car insurance for teen drivers in Tennessee at $2,990 per year for a full coverage policy.
Car insurance rates will decrease as teens age and keep a good driving record. Car insurance rates for adults 25+ and seniors 60+ are lower than those for teens and young adults.
In Tennessee, Geico offers the cheapest full coverage car insurance for adult drivers and senior drivers at $1,011 per year and $937 per year, respectively. USAA offers cheaper rates, if you’re eligible.
| Age (group) | Company Group | Avg. Annual Premium |
|---|---|---|
| Teens (16-19) | Geico | $ 2,990 |
| Teens (16-19) | Erie Insurance | $ 3,418 |
| Teens (16-19) | State Farm | $ 3,496 |
| Teens (16-19) | USAA | $ 3,546 |
| Teens (16-19) | Travelers | $ 3,817 |
| Teens (16-19) | Nationwide | $ 4,131 |
| Teens (16-19) | Auto-Owners | $ 4,602 |
| Teens (16-19) | Farmers | $ 5,887 |
| Teens (16-19) | Allstate | $ 7,364 |
| Teens (16-19) | Progressive | $ 9,714 |
| Young Adults (20-24) | USAA | $ 1,524 |
| Young Adults (20-24) | Geico | $ 1,537 |
| Young Adults (20-24) | Farmers | $ 1,759 |
| Young Adults (20-24) | Nationwide | $ 1,831 |
| Young Adults (20-24) | Auto-Owners | $ 1,878 |
| Young Adults (20-24) | Travelers | $ 1,894 |
| Young Adults (20-24) | State Farm | $ 2,007 |
| Young Adults (20-24) | Erie Insurance | $ 2,248 |
| Young Adults (20-24) | Allstate | $ 2,847 |
| Young Adults (20-24) | Progressive | $ 3,504 |
| Adults (25-55) | USAA | $ 986 |
| Adults (25-55) | Geico | $ 1,011 |
| Adults (25-55) | Nationwide | $ 1,075 |
| Adults (25-55) | Auto-Owners | $ 1,115 |
| Adults (25-55) | State Farm | $ 1,210 |
| Adults (25-55) | Travelers | $ 1,250 |
| Adults (25-55) | Farmers | $ 1,276 |
| Adults (25-55) | Erie Insurance | $ 1,417 |
| Adults (25-55) | Allstate | $ 1,968 |
| Adults (25-55) | Progressive | $ 2,102 |
| Seniors (60-75) | USAA | $ 927 |
| Seniors (60-75) | Geico | $ 937 |
| Seniors (60-75) | Nationwide | $ 1,061 |
| Seniors (60-75) | Auto-Owners | $ 1,073 |
| Seniors (60-75) | State Farm | $ 1,125 |
| Seniors (60-75) | Farmers | $ 1,214 |
| Seniors (60-75) | Travelers | $ 1,218 |
| Seniors (60-75) | Erie Insurance | $ 1,382 |
| Seniors (60-75) | Progressive | $ 1,863 |
| Seniors (60-75) | Allstate | $ 1,985 |
USAA offers car insurance only to military members, veterans and their families.
Cheapest car insurance companies in Tennessee by driver profile
Drivers with accidents or tickets on their record are considered a higher risk and will pay more for car insurance.
However, the severity and frequency of the incidents impact how much insurance rates go up. For instance, drivers with a single minor accident will see a smaller rate increase compared to those with multiple major accidents.
Below are average Tennessee rates by company for drivers with accidents and tickets on their driving record.
| Company | Clean record | Accident | Ticket |
|---|---|---|---|
| USAA* | $ 925 | $ 1,390 | $ 1,126 |
| Geico | $ 1,023 | $ 1,867 | $ 1,385 |
| Nationwide | $ 1,074 | $ 1,658 | $ 1,264 |
| Auto-Owners | $ 1,101 | $ 2,550 | $ 1,365 |
| State Farm | $ 1,108 | $ 1,308 | $ 1,208 |
| Farmers | $ 1,269 | $ 1,835 | $ 1,760 |
| Travelers | $ 1,276 | $ 1,837 | $ 1,828 |
| Erie | $ 1,457 | $ 1,854 | $ 1,503 |
| Allstate | $ 1,903 | $ 2,758 | $ 2,146 |
| Progressive | $ 1,941 | $ 3,221 | $ 2,599 |
*USAA offers car insurance only to military members, veterans and their families.
Compare auto insurance rates by city in Tennessee
Auto insurance rates in your city can vary significantly due to factors such as population density, increased instances of auto theft or accidents, and a few other factors. It's best to compare quotes from various insurance providers and consider these local factors to find the most competitive rates for your specific city in Tennessee.
| City | Annual insurance premium |
|---|---|
Ashland City | $1,306 |
Dayton | $1,234 |
Germantown | $1,468 |
Hermitage | $1,339 |
Kingston | $1,270 |
Knoxville | $1,251 |
Memphis | $1,672 |
Nashville | $1,312 |
Paris | $1,342 |
Sevierville | $1,263 |
Watertown | $1,247 |
Compare auto insurance rates with other states
Methodology
Insurance.com commissioned Quadrant Information Services in 2022 to field rates from up to six major insurers in every state across most ZIP codes. Driver profile: male, age 40, driving 2021 Honda Accord LX with full coverage of 100/300/100 with comprehensive and collision; $500 deductible.
The car insurance rates for drivers with accidents and tickets are averaged based on rates for the following accidents and tickets:
Accidents:
- 1 at-fault property damage accident over $2k
- 1 at-fault property damage accident under $2k
- At-fault bodily injury accident
- Single vehicle accident
Tickets:
- Distracted driving ticket
- Speeding ticket 1- 10 MPH over limit
- Speeding ticket 11- 29 MPH over limit
- Talking on cellphone ticket
- Texting ticket
Insurance.com analyzed rates from more than 34,000 ZIP codes, 56 million quotes, and 136 companies. Rates sourced from Quadrant Data Services are for comparison purposes only; your rates may differ.
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