- Cheapest car insurance for high-risk drivers in Tennessee
- Average rates for high-risk drivers in Tennessee by driving record
- Cheapest car insurance with a DUI
- Cheapest car insurance with multiple tickets
- Cheapest car insurance with a reckless driving conviction
- Cheapest car insurance with bad credit
- Methodology
Cheapest car insurance for high-risk drivers in Tennessee
Rates will vary depending on what’s on your driving record, but on average the cheapest car insurance company for high-risk drivers in Tennessee is State Farm, followed by Nationwide and Geico.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,608 | $134 |
| Nationwide | $1,687 | $141 |
| Geico | $1,830 | $153 |
| Farmers | $1,838 | $153 |
| Travelers | $1,941 | $162 |
| Erie Insurance | $2,025 | $169 |
| Allstate | $2,543 | $212 |
| Auto-Owners | $2,675 | $223 |
| Progressive | $2,693 | $224 |
| USAA | $1,322 | $110 |
Average rates for high-risk drivers in Tennessee by driving record
Average cost of car insurance in Tennessee for high-risk driver
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
| Company name | Average annual premium |
|---|---|
| State Farm | $1,308 |
| USAA | $1,378 |
| Nationwide | $1,653 |
| Erie Insurance | $1,843 |
| Travelers | $1,846 |
| Farmers | $1,867 |
| Geico | $1,893 |
| Auto-Owners | $2,550 |
| Allstate | $2,819 |
| Progressive | $3,249 |
Cheapest car insurance with a DUI
A DUI will put you into the high-risk category quickly, and you can expect a big jump in your rates. Shopping around can make a big difference, however. The cheapest car insurance company in Tennessee for a driver with a DUI is State Farm with an average annual of $1,208 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,208 | $101 |
| Farmers | $1,788 | $149 |
| Geico | $1,846 | $154 |
| Travelers | $1,927 | $161 |
| Nationwide | $2,035 | $170 |
| Erie Insurance | $2,190 | $183 |
| Progressive | $2,211 | $184 |
| Allstate | $2,704 | $225 |
| Auto-Owners | $3,604 | $300 |
| USAA | $1,748 | $146 |
Cheapest car insurance with multiple tickets
While a single ticket doesn’t mean you’re high-risk, multiple tickets will worry insurance companies more, resulting in higher rates. In Tennessee, the cheapest car insurance with multiple tickets is from State Farm. It offers full coverage insurance at $1,208 per year or $101 monthly.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,208 | $101 |
| Erie Insurance | $1,496 | $125 |
| Nationwide | $1,519 | $127 |
| Farmers | $1,727 | $144 |
| Geico | $1,817 | $151 |
| Travelers | $1,848 | $154 |
| Auto-Owners | $1,983 | $165 |
| Allstate | $2,190 | $183 |
| Progressive | $2,599 | $217 |
| USAA | $1,089 | $91 |
Cheapest car insurance with a reckless driving conviction
Reckless driving is a serious violation and indicates you drive in a very risky manner, which means higher insurance rates. In Tennessee, State Farm offers the cheapest full coverage car insurance for drivers with a reckless driving conviction at $1,208 a year.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| State Farm | $1,208 | $101 |
| Erie Insurance | $1,496 | $125 |
| Travelers | $1,927 | $161 |
| Nationwide | $2,035 | $170 |
| Farmers | $2,056 | $171 |
| Geico | $2,137 | $178 |
| Allstate | $2,704 | $225 |
| Progressive | $2,782 | $232 |
| Auto-Owners | $3,604 | $300 |
| USAA | $1,221 | $102 |
Cheapest car insurance with bad credit
Although it's not directly related to driving skills, people with poor credit are statistically more likely to file a claim. As a result, bad credit can put you in the high-risk category, but you can save by shopping around. The cheapest car insurance for drivers with bad credit in Tennessee is Nationwide with an average annual cost of $1,497 or $125 per month.
| Company | Avg annual premium | Avg monthly premium |
|---|---|---|
| Nationwide | $1,497 | $125 |
| Geico | $1,548 | $129 |
| Farmers | $2,002 | $167 |
| Travelers | $2,253 | $188 |
| Auto-Owners | $2,895 | $241 |
| Allstate | $3,280 | $273 |
| Progressive | $3,368 | $281 |
| State Farm | $3,608 | $301 |
| Erie Insurance | $3,979 | $332 |
| USAA | $1,694 | $141 |
Methodology
Data is sourced from the Auto Problems Report 2022 for all states including Washington D.C. The rates are based on the driving profile of a 40-year-old male driver who drives a Honda Accord LX and opts for a full-coverage policy with coverage limits of 100/300/100 and a $500 comprehensive and collision deductible across most ZIP codes with 50,00,736 records from 27 companies.
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