- How much is car insurance in Tennessee?
- Tennessee car insurance rates by company
- Tennessee car insurance costs by coverage level
- Tennessee car insurance by driver profile
- Tennessee car insurance rates by age group
- How much does car insurance cost in Tennessee per month?
- Tennessee car insurance discounts
- Car insurance requirements in Tennessee
- Car insurance rates in Tennessee by model year
- Compare auto insurance rates by city in Tennessee
- Car insurance premium trends in Tennessee
- Methodology
- Compare Tennessee car insurance rates with other states
How much is car insurance in Tennessee?
The average cost of full coverage car insurance in Tennessee is $1,677 per year. But these rates can differ depending on factors like your age, the coverage you choose, your driving record and the type of car you drive.
For example, younger drivers usually pay more for car insurance, and people with bad driving records do, too.
Tennessee drivers who choose to carry only the minimum car insurance will pay $442 on average. But this doesn't include collision or comprehensive coverage, so if you cause an accident, you'd have to pay for damage to your own car yourself.
"While most of us are reviewing our household budgets to see where we may be able to cut corners, your car insurance policy shouldn't be one of them. If you are considering saving money buying a liability-only auto insurance policy, the minimum legal coverage in most states, think first about what it will cost you when you need to file a claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. for any injuries or damage to your vehicle other than those of the other victims when you cause a crash," says Carole Walker, executive director of the Rocky Mountain Insurance Association, a nonprofit consumer insurance information organization.
| Average annual premium | $1,677 |
| Average monthly premium | $140 |
Tennessee car insurance rates by company
Every car insurance company uses its own criteria for determining rates. For example, while some emphasize age, others look closely at driving records. Because of this, Tennessee car insurance rates vary significantly from company to company.
The table below compares average Tennessee car insurance rates from top-rated companies for different coverage levels. On average, Farm Bureau Insurance of Tennessee is the cheapest car insurance company in Tennessee.
| Company | State minimum | Liability-only | Full coverage |
|---|---|---|---|
| Farm Bureau Insurance of Tennessee | $287 | $352 | $1,355 |
| Erie Insurance | $307 | $395 | $1,598 |
| GEICO | $316 | $409 | $1,565 |
| State Farm | $342 | $425 | $1,677 |
| Travelers | $390 | $486 | $1,395 |
| Farmers | $536 | $753 | $1,770 |
| Nationwide | $603 | $725 | $1,632 |
| Progressive | $605 | $663 | $1,550 |
| Allstate | $772 | $885 | $3,032 |
| USAA | $266 | $375 | $1,194 |
Tennessee car insurance costs by coverage level
The cheapest option in Tennessee is usually minimum car insurance. But even if you raise the limits, it still won't cover you or damage to your car. Full coverage costs more, but it includes collision and comprehensive insurance, which helps pay for damage to your car from accidents or events like bad weather.
Check out Tennessee car insurance costs by coverage level below.
| State minimum car insurance | $442 |
| Liability-only car insurance | $547 |
| Full coverage car insurance | $1,677 |
Tennessee car insurance by driver profile
Car insurance companies use your driving record to help determine rates since it indicates how likely you are to file a claim. Drivers with DUIs, multiple accidents or a history of reckless driving have significantly higher insurance rates.
In most states, credit history also affects car insurance rates. Statistically, drivers with a lower credit score are more likely to file a claim instead of paying out of pocket for damages.
This table compares average car insurance rates in Tennessee based on driver profiles. The highest rates in Tennessee are for drivers with Bad credit.
| Profile groups | Average annual premium | Annual premium for profile | $ Increase | % Increase |
|---|---|---|---|---|
| At-fault accident | $1,677 | $2,623 | $946 | 56% |
| Bad credit | $1,677 | $3,702 | $2,025 | 121% |
| Careless driving | $1,677 | $2,190 | $513 | 31% |
| Claims | $1,677 | $1,727 | $50 | 3% |
| DUI | $1,677 | $2,891 | $1,214 | 72% |
| Reckless driving | $1,677 | $2,866 | $1,189 | 71% |
| Speeding | $1,677 | $2,309 | $632 | 38% |
| Texting ticket | $1,677 | $2,098 | $421 | 25% |
Tennessee car insurance rates by age group
Age can significantly impact car insurance rates. Younger, less experienced drivers see the highest Tennessee car insurance rates. Rates decrease considerably with age and experience behind the wheel.
The table below shows average Tennessee car insurance rates by age.
| Age group | Full coverage car insurance |
|---|---|
| Teens (16-19) | $5,696 |
| Young Adults (20-24) | $2,715 |
| Adults (25-60) | $1,678 |
| Seniors (65-75) | $1,670 |
How much does car insurance cost in Tennessee per month?
The average monthly cost of Tennessee car insurance varies based on the amount of coverage you choose. While the minimum required car insurance is the cheapest, full coverage offers more protection at a higher rate.
| Coverage level | Average monthly premium |
|---|---|
| State Minimum BI/PD | $37 |
| Liability Only - 50/100/50 BI/PD | $46 |
| Full Coverage - 100/300/100 BI/PD - 500 Comp/Coll | $140 |
Tennessee car insurance discounts
Which car insurance discounts are available and how much savings drivers can expect depend on the state and the company. So, savings may vary considerably from company to company in Tennessee.
Check out the available car insurance discounts in Tennessee below and see how much you can save on average.
| Discount type | Premium before discount | Premium after discount | $ Saving |
|---|---|---|---|
| Air Bags | $1,895 | $1,890 | $5 |
| Anti-Theft Device | $1,895 | $1,873 | $22 |
| Daily Commute | $1,895 | $1,746 | $149 |
| Days Advanced Purchase | $1,895 | $1,769 | $126 |
| Education | $1,895 | $1,652 | $243 |
| Electronic Funds Transfer | $1,895 | $1,844 | $51 |
| Homeowner | $1,895 | $1,802 | $93 |
| Lower Annual Mileage | $1,895 | $1,800 | $95 |
| Loyalty - Years Renewal With Company | $1,895 | $1,719 | $176 |
| Marital Status | $1,895 | $1,749 | $146 |
| Multi Policy | $1,895 | $1,735 | $160 |
| Paperless/Electornic Documents | $1,895 | $1,817 | $78 |
| Payment Type | $1,895 | $1,730 | $165 |
| Primary Use | $1,895 | $1,704 | $191 |
| Profession | $1,895 | $1,568 | $327 |
| Safety Devices | $1,895 | $1,828 | $67 |
| Telematics | $1,895 | $1,690 | $205 |
| Years Insured | $1,895 | $1,578 | $317 |
| Years Licensed | $1,895 | $1,319 | $576 |
Car insurance requirements in Tennessee
Tennessee requires drivers to have a minimum amount of car insurance, including:
- 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 | $442 |
| Liability-only car insurance | $547 |
| Full coverage car insurance | $1,677 |
Car insurance rates in Tennessee by model year
The car you drive also impacts car insurance rates in Tennessee. For example, newer cars usually cost more to fix because they have pricey parts like collision warning systems, cameras and anti-theft features.
Take a look below to see how the car's model and age can change car insurance rates in Tennessee.
| Company | Style | Average annual premium |
|---|---|---|
| State Farm | 2WD 4 Door Sedan Automatic Turbo | $1,278 |
| GEICO | 2WD 4 Door Sedan Automatic Turbo | $1,748 |
| Nationwide | 2WD 4 Door Sedan Automatic Turbo | $1,848 |
| Farmers | 2WD 4 Door Sedan Automatic Turbo | $2,261 |
| Allstate | 2WD 4 Door Sedan Automatic Turbo | $2,458 |
| Progressive | 2WD 4 Door Sedan Automatic Turbo | $3,451 |
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 | $1,694 |
Dayton | $1,591 |
Knoxville | $1,580 |
Memphis | $2,161 |
Nashville | $1,708 |
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
Insurance.com commissioned car insurance rates from Quadrant Data Systems in late 2023 for all 50 states and Washington, D.C. Base rates were fielded based on a 40-year-old driver with a clean record and good credit, driving a 2023 Honda Accord LX. Additional rates were fielded for multiple driver profiles including tickets, accidents and various credit tiers. Coverage levels include state minimum, 50/100/50 liability only, and full coverage at 100/300/100 liability limits with $500 deductibles. Rates were fielded from 34,588 ZIP codes and 170 insurance companies.
Compare Tennessee car insurance rates with other states
Helpful auto insurance tools and calculators
You might also be interested in- Tennessee car insurance laws and requirements: What is changing in 2025
- Tennessee DUI and insurance: How much does a DUI raise your insurance?
- Speeding ticket calculator in Tennessee
- SR-22 insurance in Tennessee
- Non-owner car insurance in Tennessee: Best and cheapest companies
- Tennessee gap insurance: Everything you need to know
- Low-income car insurance in Tennessee: What you need to know
- Tennessee car insurance coverage calculator
- Cheapest car insurance for high-risk drivers in Tennessee
- Cheapest home and auto insurance bundle in Tennessee
