Tennessee is home to country music, Jack Daniels, and barbecue. High insurance premiums, though, don’t have a place in Tennessee. With nearly 200,000 miles of roadways and more than two million registered vehicles, great coverage is necessary for drivers from the Smoky Mountains to Graceland.

With all those cars on the road, it’s essential to have an auto insurance policy that best fits you and your lifestyle. Where should Tennessee drivers start when they’re shopping for car insurance quotes? It seems as though every insurance company claims to have the lowest premiums or the highest coverage, but how do you mute the noise and decide on the right fit for you? It all starts with knowing your options—compare the cheapest and best quotes in the Volunteer State here.

Cheapest Car Insurance in Tennessee

Here are the cheapest insurance companies in Tennessee for the following user profile: a single, 30-year-old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance. We averaged rates the twenty most populous cities in Tennessee to calculate the cheapest rates in Tennessee.

Insurance CompaniesQuotes
State Farm$32/month
Progressive$45/month
GEICO$73/month
Allstate$77/month
Nationwide$103/month

Best Car Insurance in Tennessee

It seems that every insurance company claims to be the best, whether they boast the lowest costs or the most coverage perks. But which provider is really on top?

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys; mobile app reviews; and user-generated company reviews. The following are the top-rated companies that offer car insurance in Tennessee. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyComposite ScoreQuotes
American Family88$137/month
GEICO87$73/month
Allstate86$77/month
Nationwide84$103/month
State Farm83$32/month
Liberty Mutual80$125/month
Progressive78$45/month

Most Popular Car Insurance Companies in Tennessee

The American car insurance market is lead by a few key players. According to the Insurance Information Institute (III), these are the most popular car insurance companies in Tennessee by market share:

  1. State Farm
  2. Tennessee Farmers Mutual Insurance Co.
  3. GEICO
  4. Progressive
  5. Allstate

Cheapest Car Insurance Quotes in Tennessee by City

Auto insurance costs may vary greatly between locations and insurance companies. Just because one company offers the best rates in Memphis doesn’t mean they’ll do the same in Nashville.

Insurify analyzed the latest data for five of the most populous cities in Tennessee to find you the cheapest quotes in each of these metropolitan areas.

CityInsurance CompanyQuote
MemphisState Farm$104/month
KnoxvilleProgressive$46/month
ChattanoogaProgressive$60/month
ClarksvilleProgressive$66/month
MurfreesboroProgressive$68/month

Cheapest Car Insurance Quotes in Tennessee by Profile

Here are the cheapest insurance companies in Tennessee based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service.

USAA will almost always offer Tennessee residents the cheapest auto insurance options but is only available to retired or current personnel of the U.S. military and their family members. 

Cheap Car Insurance for Good Drivers

For Tennessee drivers with a clean record free of any moving violations, auto insurance rates may be significantly lower. State Farm offers the best options for good drivers in Tennessee, at $32 a month. With both cheaper premiums and safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.

Insurance CompaniesQuotes
State Farm$32/month
Progressive$45/month
GEICO$73/month
Allstate$77/month
Nationwide$103/month

Cheap Car Insurance for High-Risk Drivers

High-risk drivers in Tennessee, including those with one or more traffic violations, may have to pay more for their car insurance premiums. High-risk drivers tend to have higher monthly premiums than the national average. Progressive offers the best deal for drivers with a DUI at $34/month. For drivers with at-fault accidents or speeding on their driving record, Tennessee Farmers provides the best option at $25 and $37 per month. 

Cheap Car Insurance for Drivers with DUI in Tennessee

If you’ve committed a DUI in the state of Tennessee, the fallout can be costly. From court fines to reinstatement fees, SR-22 filings to years of increased car insurance premiums, this big mistake has major repercussions. Finding affordable rates on car insurance with a DUI is incredibly challenging. 

Here are the best rates we could find for Tennessee drivers with a DUI: 

Insurance CompanyQuotes
Progressive$34/month
Tennessee Farmers$37/month
State Farm$40/month

Cheap Car Insurance for Drivers with an At-Fault Accident in Tennessee

If you’ve been found at-fault after a car accident, your auto insurance premiums can rise significantly. If you’ve opted into accident forgiveness, you may have caught a break. But if you haven’t, finding the right discounts may save your budget. 

If you have an at-fault accident on your driving record, it’s important to shop for a new policy every time you have a chance to renew. Insurance companies look at different time windows for driving history. For example, one company might look at the last five years while another looks at the last three.

Here are the best rates we could find for drivers with one at-fault accident: 

Insurance CompanyQuotes
Tennessee Farmers$25/month
Auto Owners$31/month
Erie$37/month

Cheap Car Insurance for Speeding Drivers in Tennessee

Getting to your destination a few minutes ahead of schedule may not be worth the years of increased insurance premiums that will result from a speeding ticket. The more demerits a driver has on their driving record, the more demerits they may get on their driver’s license. More points mean higher premiums.

To recover from the effect of speeding tickets on your driving record, search for discount programs you may be eligible for, or a defensive driving course.

Insurance CompanyQuotes
Tennessee Farmers$37/month
Erie$29/month
GEICO$36/month

Cheap Car Insurance for Young Drivers

If you’re under 40 years old in the state of Tennessee, you will likely pay more for auto insurance coverage than the average driver. Inexperienced drivers often pose a higher risk for insurance providers, so their rates are often increased accordingly. Tennesee Farmers Insurance offers the cheapest car insurance rates for young drivers, averaging $25 a month. New drivers must abide by special driving restrictions, including curfews, electronic device limitations, and passenger age restrictions. Be sure to familiarize yourself with these rules before hitting the road.

Insurance CompanyQuotes
Tennessee Farmers$25/month
USAA$27/month
Auto Owners$29/month
Progressive$29/month
GEICO$31/month

Insurance policies for 21-year-olds generally run higher than the national average by a significant margin. Even though they’re no longer considered teen-drivers, 21-year-olds are still regarded as high-risk to insurers. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Cheap Car Insurance for Foreign Drivers

To legally drive in Tennessee as a non-U.S. citizen, you’ll need to make sure you have a few necessary items.

First and foremost, foreign drivers must hold a valid driver’s license from their home country. You’ll also need an International Driving Permit, or IDP. An IDP is not a driver’s license, but simply a translation of your permission to drive in your home country. Both forms of documentation must be present to prove your permission to drive in the United States. IDPs must be obtained in your home country.

In addition to a driver’s license, foreign drivers must purchase car insurance before driving in Tennessee. For long-term driving in the United States, it will be necessary to purchase traditional car insurance. For the cheapest car insurance options that are personalized to you, use Insurify to compare quotes.

Car Insurance for Drivers with Poor Credit

Unfortunately, it can be challenging to find cheap car insurance in Tennessee if you have a poor credit score. 

Tennessee car insurers are permitted to use credit score as a factor when calculating the risk of any given policyholder, meaning they can increase your insurance rates if you have bad credit. 

Insurers have found that drivers with poor credit histories are more likely to file auto insurance claims, thus increasing insurance premiums for bad credit drivers to account for the increased risk. Car insurance premiums fluctuate based on many factors, not just credit score, based on where you live in Tennessee. Good credit can save you a whole lot of cash in the long run.

Car Insurance Coverage for Undocumented Immigrants in Tennessee 

Tennessee is home to over 120,000 undocumented immigrants. Unfortunately, the state of Tennessee will not issue a driver’s license to an individual without proper documentation. Without a driver’s license, you cannot purchase car insurance. Most will have to find an insurance company that will allow them to enroll without one, which will likely result in a significantly higher premium.

Tennessee Auto Insurance Laws

State Minimum Coverage Requirements in Tennessee

All motor vehicles operated or parked on Tennessee roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Tennessee are as follows:

  • $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Tennessee state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Tennessee law.

  • $15,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Tennessee is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Optional Supplemental Coverage

Uninsured/underinsured motorist coverage is recommended in the state of Tennessee through the forms of:

These forms of coverage will protect drivers if they are involved in an accident with uninsured motorists. 

Comprehensive coverage and collision coverage pay for repairs to your car when it’s involved in an accident or stolen. Comprehensive coverage and collision coverage are two of the three basics that make up what’s commonly called a “full coverage” auto policy (liability, collision, and comprehensive). Coverage limits will differ from policy to policy.

Comprehensive insurance coverage covers “Acts of God” and things out of a person’s control, like fire or flood, but does not cover medical expenses/auto damage due to a collision.

Collision insurance coverage covers damage to objects (not animals or people) and vehicles as a result of a collision regardless of fault, including hit-and-run accidents, but doesn’t cover damage due to “Acts of God.”

Work Loss Coverage provides individuals and families funding if they are unable to work after an accident due to injury. Work Loss Coverage may be used in conjunction with Short Term Disability coverage.

Accidental Death Benefits provide monetary compensation to the family of a deceased driver or passenger due to a car accident, up to $25,000.

Medical Payments, or simply Med Pay, covers reasonable medical costs for you or your passengers in the case of injury from an accident. If a car accident results in serious bodily injury, Med Pay can help ease the stress of high medical bills after a hospital visit.

Am I liable if I cause a car accident in Tennessee?

Tennessee abides by an “at-fault” auto insurance system, meaning injured drivers can file a claim with the at-fault driver’s insurance company or their own. 

The at-fault driver will be responsible for financial harm, which their financial responsibility usually covers, up to their predetermined policy limits.

AAA Car Insurance and Roadside Assistance In Tennessee

Locked your keys in the car? Battery dead? Flat tire? If you’ve ever found yourself in this situation, you’ve probably relied on the American Automobile Association (AAA) for roadside assistance. But did you know that AAA also offers automobile insurance for Tennessee drivers?

Divided into regional clubs, AAA insurance and roadside assistance operates throughout Tennessee. To find out which independent agents operate AAA insurance in your region, visit AAA’s website and search using your ZIP code.

Distracted Driving in Tennessee

Drivers are banned from using handheld devices while operating motor vehicles throughout Tennessee. 

Drivers are prohibited from holding, reading, writing, scrolling, or looking at their cell phones while behind the wheel. The first offense for distracted driving will result in a $50 fine. Subsequent offenses will cost anywhere from $100 to $200. Breaking the Tennessee law may also result in demerits on the individual’s driving record and license suspension.

SR-22 Insurance in Tennessee

If your license has been suspended or revoked, these car insurance companies will file an SR-22 with the state of Tennessee on your behalf. Tennessee’s state licensing authority will inform drivers if they require SR-22 insurance. If you’ve been convicted of a DUI, DWI, moving violation, or other serious offense, you may be required to file for an SR-22.

In Tennessee, many insurance companies offer to file an SR-22 on your behalf, including Acceptance, Consumers Insurance, Dairyland, Direct General, Elephant, Esurance, Everest National, Farmers, Foremost, Gainsco, GEICO, Good2Go, Grange, Hallmark, Jupiter Auto, Mendota, National Gl, Progressive, SafeAuto, Safeco, Safeway, Stillwater, The General, Titan, and Victoria.

Tennessee Auto Insurance FAQs

How do I file a claim after a car accident in Tennessee?

If you’re ever involved in an accident, first call the police. Having an officer on the scene will ensure a valuable set of eyes sees damage first hand. Seek immediate medical treatment if necessary and exchange contact information with the other driver or drivers involved. Make sure to take photos of the damage to your car and other vehicles involved in the accident. Next, to file an insurance claim, call your provider to inform them you’ve been in an accident. An agent will walk you through your coverage and what steps to take to get yourself back on the road. 

What happens if I get caught driving uninsured in Tennessee?

You should never drive a vehicle if you’re uninsured. An estimated 20 percent of drivers in Tennessee are currently driving while uninsured. Serious penalties may occur if you’re caught or involved in an accident without insurance. Driving without liability coverage in Tennessee may result in a $300 fine, administrative fine fees, driver’s license, and registration suspension, restoration fees, commissioner of safety fees, and SR-22 for three years. Uninsured drivers pose dangers to themselves and those around them. 

Who has the cheapest car insurance in Tennessee?

The best way to get the cheapest car insurance in Tennessee and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

It Pays to Go Green in Tennessee

The state of Tennessee offers many green driver incentives including test exemptions, tax incentives, and insurance discounts.

Federal income tax credits, Tennessee excise tax credits, equipment repair rebates, and special electricity rates may be granted to buyers of eco-friendly vehicles including electric cars, hybrids, plug-ins, diesel-powered, or alternative fuel vehicles. 

If you’re thinking about your next big car purchase, consider a fuel-efficient vehicle—it’s good for both your wallet and the planet in the long run.

Tennessee Driver Services Information

The Tennessee State Government Driver Services Division has outposts around the state which operate from 8:30 AM to 6 PM, with some special morning and evening hours. 

At the Driver Services Centers, Tennessee residents can access services like driver’s license and ID card registration and renewal, vehicle registration, and license plate pick-up, as well as insurance information and services. For the shortest wait times, avoid planning your visit on Mondays and Fridays, or during lunch hours.

Regardless of where you live in the Volunteer State, a Driver Services Center shouldn’t be too far. Tennessee residents may be able to skip their visit altogether and get what they need through their online portal. Visitors may also utilize the services provided by the Tennessee Department of Insurance while visiting their local Driver Services location.

Conclusion

Tennessee drivers can save big on their car insurance policies. 

To find the best rates, companies, and coverage based on your personal metrics, get a free quote by using an auto insurance quotes comparison site like Insurify. From Nashville to Knoxville, Tennessee drivers deserve to find the cheapest car insurance available.

Compare Tennessee car insurance companies today on Insurify.

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Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.