Best Cheap Auto Insurance in Chattanooga, Tennessee (2024)

State Farm offers the cheapest car insurance in Chattanooga, with minimum-coverage policies as low as $21 per month.

Choncé Maddox
Written byChoncé Maddox
Choncé Maddox
Choncé Maddox
  • 7+ years writing insurance and personal finance content

  • Certified financial education instructor (CFEI)

Choncé was a licensed life insurance agent before becoming a freelance personal finance writer. She’s passionate about helping people learn to protect themselves with insurance.

Featured in

media logomedia logo
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

Featured in

media logomedia logomedia logo

Updated March 26, 2024

Save up to $717 by comparing quotes from the top 100+ insurance companies

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers
Advertiser Disclosure

At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.

Cheapest recent rates in Tennessee

Drivers using Insurify have found quotes as cheap as $44/mo for liability only and $85/mo for full coverage in Tennessee.

*Quotes generated for Insurify users from Tennessee within the last 10 days. Last updated on March 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users from Tennessee within the last 10 days. Last updated on March 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Chattanooga drivers pay a little less for car insurance than the Tennessee average monthly cost. The average monthly cost for a full-coverage policy in Chattanooga is $218, while the state average is $227.

Tennessee’s declining accident rate — crashes were down nearly 6% statewide as of Aug. 1, 2023[1] — and Chattanooga’s comparatively smaller population (184,086 people) likely contribute to the city’s slightly lower car insurance costs.

State Farm, USAA, and Mile Auto are among the cheapest and best insurers in Tennessee’s fourth-largest city. Several insurers offer rates below the city’s overall average of $173 per month.

Quick Facts
  • Chattanooga is one of the best cities for cheap car insurance rates in Tennessee.

  • Teen drivers may find the best rates in Chattanooga with GEICO.

  • Approximately 24% of Tennessee drivers don’t have car insurance, so Chattanooga drivers may want to consider buying uninsured motorist coverage.[2]

Find Car Insurance in Chattanooga

See personalized quotes in 5 minutes or less

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Best car insurance companies in Chattanooga

Finding the best car insurance in Chattanooga that also fits your budget will depend on a few factors like your coverage needs, driving history, age, and gender. State Farm, Auto-Owners, and GEICO are among the best car insurance companies to consider in Chattanooga, Insurify data indicates.

Best insurer for full coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$21/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$44/mo

State Farm offers cheap full-coverage insurance rates in Chattanooga. The company also offers multiple discounts, including for bundling homeowners or renters insurance with auto coverage. More than half of Chattanoogans own their homes, so a bundling discount could help them save on car insurance.

Pros
  • Several discount options

  • Emergency roadside assistance available

Cons
  • Gap insurance and accident forgiveness not available

  • Some discounts have an age limit (including Steer Clear)

Craig - March 26, 2024
Verified

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

I called three times to talk with an agent, but he never called back. It was a very disappointing experience!

David - March 26, 2024
Verified

Considering Expanding Coverage

I was never informed that my rate would increase every month for some reason. No one told me about it. I received a notice in the mail stating that what I was supposed to pay that month was always 10 or 20 dollars more than it was the previous month. I would have liked to have been informed about this.

Beverly - March 26, 2024
Verified

Unsatisfactory Experience

A kid threw a rock through my window and I was blamed for the claim. What is the purpose of having insurance?
Read our State Farm review

Best insurer for drivers with an at-fault accident: Auto-Owners

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$29/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$60/mo

Auto-Owners has been around since 1916 and offers several affordable coverage options for drivers. Customers can choose optional accident-forgiveness coverage, which waives the rate increase after your first at-fault accident so long as you’ve remained covered and accident-free for at least 36 months.

Pros
  • Accident forgiveness available as an additional coverage option

  • Gap coverage and roadside assistance available

Cons
  • No online quote option

  • Must have coverage with the company for three years to qualify for accident forgiveness

Don - March 23, 2024
Verified

Excellent

Friendly and offers some money-saving options.
Read our Auto-Owners review

Best insurer for young drivers: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$28/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$57/mo

GEICO is a well-known insurance company with high customer satisfaction ratings. GEICO offers a discount of up to 15% for students with good grades, as well as drivers who complete an approved defensive driving course.

Pros
  • Personalized coverage options

  • Several discounts, including savings for good students

Cons
  • Gap coverage for rideshare insurance not available

  • Accident forgiveness not available

Radera - March 26, 2024
Verified

Don't Recommend

I wouldn't recommend them. They seem to look for any reason to cancel your policy.

Jan - March 25, 2024
Verified

Average

Rigid on pricing.

Linda - March 23, 2024
Verified

Best for the Money

They were helpful in trying to lower my bill.
Read our GEICO review

Cheapest liability-only car insurance in Chattanooga

Nearly every state requires a minimum level of liability insurance. Property damage liability only covers damages to the other person’s vehicle, and bodily injury liability covers their medical expenses after an accident you cause.

Important Information

Liability coverage doesn’t pay for damage to your car, or your or your passenger’s injuries. And if the other driver’s total damages exceed your liability limits, you may be on the hook to pay the difference.

You may want to consider liability-only insurance if you drive an older vehicle and can afford to pay for your own car’s repairs out of pocket. You may also consider this option if you’re on a tight budget and don’t want to face penalties for not carrying any insurance. Here are some of the cheapest liability-only car insurance rates in Chattanooga.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm21
USAA25
GEICO28
Auto-Owners29
Travelers29
Erie31
Mile Auto37
Allstate39
Farmers42
Safeco45
Nationwide51
Progressive56
Chubb60
Midvale Home & Auto67
Dairyland68
National General70
State Auto70
Liberty Mutual73
Elephant80
Direct Auto86
GAINSCO97
The General114
Bristol West137
Foremost145
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Chattanooga

Full-coverage car insurance costs more than liability-only coverage, but it includes liability, comprehensive, and collision coverages. Collision coverage can pay to repair or replace your vehicle in case of an accident. Comprehensive can pay for damage from non-accident causes, such as a tree falling on your car.

If you have a car loan or lease, your lender or leasing company will likely require you to carry full-coverage insurance.

As vehicles can be very expensive, full coverage is also good to have so you can make the necessary repairs to your car and get back on the road sooner. Here are some of the cheapest full-coverage car insurance rates in Chattanooga.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm44
USAA52
GEICO57
Auto-Owners60
Erie65
Mile Auto66
Travelers79
Allstate81
Farmers87
Safeco100
Nationwide106
Progressive117
Midvale Home & Auto119
Chubb125
Elephant126
Liberty Mutual153
State Auto158
National General160
Direct Auto186
The General189
Dairyland190
GAINSCO258
Foremost274
Bristol West330
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Estimate your Chattanooga car insurance costs

Select discounts that apply to you
Save 26%
Save 5%
Save 19%
Save 37%
Age
Credit Score
Are you insured
Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

Car insurance requirements in Tennessee

Like most states, Tennessee requires drivers to have a minimum amount of liability insurance. Drivers who don’t meet the minimum auto insurance coverage requirements face fines and risk losing their vehicle registration.[3]

Here are the minimum car insurance requirements for the state of Tennessee:

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $50,000 per accident 
Property damage liability$25,000 per accident

Chattanooga drivers may also benefit from some optional coverages, including:

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive

    Comprehensive coverage can pay for non-collision damage to your vehicle, such as parts theft, vandalism, storm damage, falling objects, and more. It can also reimburse you if a hit-and-run driver damages your car.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision

    Collision coverage typically pays for damage related to any type of crash, whether you back into a telephone pole, hit a pothole, or collide with another vehicle.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist

    Although it’s illegal to drive without car insurance in Tennessee, 24% of the state’s drivers are uninsured. Uninsured/underinsured motorist coverage is an optional coverage that can help cover your costs if you get into an accident with someone who has no insurance or whose insurance isn’t enough to pay for your damages.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments

    Also known as “MedPay,” medical payments coverage can pay for medical treatment for you and your passengers following a car accident. It can also cover funeral costs.

Cheapest car insurance for drivers with an incident

Your driving record heavily affects your car insurance rates. Incidents like speeding tickets, DUIs, at-fault accidents, and other infractions can go on your driving record and increase car insurance rates.

If you’re wondering how much your rates could increase with an incident on your record, Insurify has some current quotes for insurers serving Chattanooga.

Shop for Car Insurance in Chattanooga, TN

See personalized quotes in 5 minutes or less

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Cheapest car insurance for drivers with a speeding ticket

Getting a speeding ticket in Tennessee is a violation that can add points to your driving record and cause your insurance rates to go up. If you have a speeding ticket on your record, some insurers still offer cheap rates for Chattanooga residents. Here are some of the best coverage options to consider.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm5526
USAA6632
GEICO7236
Auto-Owners7938
Erie9143
Mile Auto9654
Travelers10238
Allstate10350
Farmers11154
Nationwide13666
Safeco14063
Progressive15574
Chubb16278
Elephant162103
National General20590
Liberty Mutual210100
Direct Auto245113
The General249150
Dairyland25089
GAINSCO320120
Bristol West427177
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

An accident that results in a claim can affect your car insurance rates, even if you’re not at fault for the crash. However, it’s still possible to find affordable car insurance following an accident claim. Some insurers even offer optional accident forgiveness coverage that can help hold down your premiums after a single accident.

Here are some of the best monthly insurance rates in Chattanooga when you have an accident on your record.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm5828
USAA7034
GEICO7738
Auto-Owners8240
Erie9445
Mile Auto10257
Travelers10840
Allstate10952
Farmers11756
Nationwide14469
Safeco14866
Progressive16479
Chubb16981
Elephant171109
National General21996
Liberty Mutual221106
State Auto233103
Direct Auto260120
Dairyland26193
The General263159
GAINSCO341128
Bristol West443184
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

Driving under the influence of alcohol is a serious offense that can result in much higher car insurance rates. In Tennessee, first-time offenders can lose their license for up to one year and be subject to a fine. You may even do jail time if your blood alcohol level exceeds a certain limit.[4]

If you’re recovering from having a DUI on your record and looking for car insurance, here are some of the best monthly rates for drivers in Chattanooga.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm7134
USAA8440
GEICO9245
Erie9545
Auto-Owners9647
Mile Auto10659
Travelers12747
Allstate13063
Farmers14067
Safeco16172
Nationwide17082
Progressive18890
Chubb20196
Elephant202129
Liberty Mutual246117
State Auto254112
National General257112
Direct Auto299138
The General304183
Dairyland305109
GAINSCO414156
Foremost440233
Bristol West530220
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Senior drivers typically have the cheapest car insurance rates of any age group. But seniors’ rates can begin to increase again around age 75. Although older motorists tend to drive fewer miles, they may be more at risk for accidents due to changes in mobility, vision, and reflexes.

Still, senior Chattanoogans have options for holding down their car insurance costs. Keeping a clean driving record and taking advantage of discounts such as bundling can help. Here are some of the best monthly car insurance rates for seniors in Chattanooga.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm2210
USAA2914
Auto-Owners3115
GEICO3115
Erie3215
Mile Auto3721
Travelers4316
Allstate4522
Farmers4622
Nationwide5125
Progressive5125
Chubb5828
Safeco6630
Elephant7145
Liberty Mutual8742
Direct Auto10247
National General10445
Dairyland11441
The General12173
GAINSCO16763
Bristol West19179
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Having less experience on the road, young drivers tend to pay higher car insurance rates. Teens and drivers younger than 25 can still save by utilizing certain discounts insurers offer. Many insurance companies offer a discount for students who earn good grades. Others provide driver safety programs that give you a discount on your premium once you successfully complete the program. Young drivers may also be able to save by staying on their parents’ insurance for longer.

To narrow down your insurance coverage options, here are some of the cheapest monthly car insurance quotes for teens and young adults purchasing their own policies in Chattanooga.

The below rates are estimated rates current as of: Tuesday, March 26 at 12:00 PM PDT
Insurance CompanyAverage Quote: Full CoverageAverage Quote: Liability Only
State Farm7234
USAA8240
GEICO8642
Auto-Owners9646
Erie11454
Mile Auto12268
Allstate13666
Travelers13750
Farmers14570
Safeco17277
Nationwide17484
Elephant200127
Progressive20096
Chubb221106
Liberty Mutual248118
State Auto272120
The General289174
National General294129
Dairyland295106
Direct Auto327151
GAINSCO446168
Foremost471249
Bristol West525218
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Chattanooga

Finding the cheapest or best coverage for car insurance in Chattanooga will depend on factors like your driving history, age, ZIP code, and coverage needs. While some of these factors are out of your control, you can still take steps to get lower car insurance rates:

  • Keep a clean driving record. Try to avoid speeding tickets and other violations, as well as at-fault accidents. By closely following the traffic laws in your area, you’ll keep a clean driving record and be eligible for the cheapest car insurance rates.

  • Maintain good credit. Car insurers can use your credit history to help determine the likelihood that you’ll file an insurance claim. This affects car insurance rates, so it’s important to maintain a good credit score, pay bills on time, and practice healthy financial habits.

  • Ask about discounts. Car insurance companies also offer multiple discounts, such as ones for bundling your insurance policies, driving a car with certain anti-theft features, completing a safe-driver program, and remaining accident-free. Ask questions about which discounts you qualify for so you don’t miss out on these savings.

  • Shop around. Shop around for coverage and compare quotes from at least three different insurers to make sure you’re getting the best quote for your situation.

Guide to Car Insurance Discounts (2024)

Guide to Car Insurance Discounts (2024)

Find Cheap Car Insurance in Chattanooga

See personalized quotes in 5 minutes or less

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Chattanooga car insurance quotes by credit tier

Tennessee is one of several states that allow insurers to consider your credit history when determining your car insurance rates. Insurers use your credit information to generate an insurance credit score, which measures the risk that you’ll file an insurance claim.

While an excellent credit score is considered anything 720 and higher, several other factors go into determining your actual car insurance rate. Even if you have a lower credit score, you can work to improve your credit and be mindful that insurers consider several other factors as well.

Here are the average monthly quotes for a full-coverage policy in Chattanooga based on credit scores.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Chattanooga? 

Chattanooga has some of the lowest car insurance rates of Tennessee cities. The average cost of insurance in Chattanooga is $173, compared to $188 in Nashville. Car insurance rates can vary across cities depending on factors like population, traffic, and the rate of accidents or vandalism in the area.

More cities in Tennessee

Here’s how the average monthly car insurance quote differs in other Tennessee cities compared to Chattanooga.

CityAverage Monthly QuoteCompared to Chattanooga
Antioch$23837%
Clarksville$24139%
Cordova$30777%
Knoxville$21725%
Memphis$30073%
Murfreesboro$24139%
Nashville$22530%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Chattanooga car insurance FAQs

Whether you’re looking for cheap SR-22 insurance in Tennessee following a DUI conviction or need gap insurance to provide your new car with the maximum coverage possible, you may still have questions about car insurance in Chattanooga. Here are answers to some commonly asked questions.

  • How much is car insurance in Chattanooga?

    The overall average cost of car insurance in Chattanooga is $173 per month — about 24% higher than the national average cost, according to Insurify data. The average cost of a full-coverage policy is $218 per month, and liability-only coverage costs $128 on average.

  • What are the best car insurance companies in Chattanooga?

    State Farm, USAA, and Mile Auto are among the best car insurance companies in Chattanooga, offering affordable rates, numerous discounts, and a variety of coverage options. State Farm leads as a top pick, with an Insurify Quality (IQ) Score of 4.4 out of 5 and a J.D. Power score of 842 for customer satisfaction. It also has competitively low rates.

  • Is it illegal to not have car insurance in Tennessee?

    Yes. Although nearly a quarter of the state’s drivers forgo car insurance, it’s against the law to drive while uninsured in Tennessee. Driving without insurance in the Volunteer State could result in fines and cancellation of your vehicle registration.

  • What are Tennessee’s minimum car insurance requirements?

    Tennessee requires car insurance for all vehicles registered in the state. To comply with state law, you’ll need to have at least:

    • $25,000 bodily injury coverage per person

    • $50,000 bodily injury coverage per accident

    • $25,000 property damage per accident

    Keep in mind, though, that the state’s minimum liability amount may not provide you sufficient financial protection. For example, if you cause an accident that totals an expensive luxury vehicle, $25,000 might not cover the cost to replace the vehicle — and you’d be liable for paying the difference.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Tennessee Department of Safety and Homeland Security. "Recent Crashes." Accessed August 2, 2023
  2. Insurance Research Council. "One in Eight Drivers Uninsured." Accessed August 2, 2023
  3. Tennessee Department of Revenue. "Why You Should Have Auto Insurance." Accessed August 2, 2023
  4. Tennessee Department of Safety & Homeland Security. "DUI Offenses." Accessed August 2, 2023
Choncé Maddox
Choncé Maddox

Choncé Maddox is a Certified Financial Education Instructor (CFEI) and personal finance freelance writer. She graduated from Northern Illinois University with a degree in Journalism and has been covering personal finance topics surrounding saving, debt payoff, credit, and home insurance for seven years. Chonce briefly held a life insurance license in Illinois where she developed a passion for helping people learn how to protect themselves and their property through insurance coverage. Her work has been featured on LendingTree, Business Insider, RateGenius and more.

Evelyn Pimplaskar
Edited byEvelyn PimplaskarEditor-in-Chief, Director of Content
Evelyn Pimplaskar
Evelyn PimplaskarEditor-in-Chief, Director of Content
  • 10+ years in insurance and personal finance content

  • 30+ years in media, PR, and content creation

Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.

Featured in

media logomedia logomedia logo

Compare Car Insurance Quotes Instantly

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

Latest Articles

View all