Cheapest Auto Insurance in Tennessee (2025)

If you’re in the market for car insurance in Tennessee, State Farm, USAA, and Auto-Owners offer the most competitive quotes depending on your situation.

On average, a full-coverage auto policy in Tennessee costs $145 per month, while a liability-only policy costs $72 per month. This is lower than the national averages of $195 for full coverage and $105 for liability coverage.

Your rate will ultimately depend on your driving record, age, claim history, chosen coverage, insurer, and more. Here’s what you should know about finding coverage that works for you in Tennessee.

6 of the cheapest car insurance companies in Tennessee

Whether you want the cheapest quotes, affordable coverage for your teens, or short-term coverage, you can find the most affordable car insurance companies for your situation.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $32/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $163/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $47/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $64/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $86/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $143/mo*
Overall rating 4.2 6,002 reviews	Overall rating 4.0 6,410 reviews	Overall rating 4.0 181 reviews	Overall rating 3.9 1,171 reviews	Overall rating 3.4 6,856 reviews	Overall rating 3.4 274 reviews
Value for money 3.9/5	Value for money 3.8/5	Value for money 3.7/5	Value for money 3.7/5	Value for money 3.4/5	Value for money 2.9/5
Customer service 4.2/5	Customer service 4.0/5	Customer service 4.0/5	Customer service 3.9/5	Customer service 3.5/5	Customer service 3.3/5
Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 4.0/5	Claims handling 4.1/5	Claims handling 3.5/5	Claims handling 3.1/5
Special highlight AI-generated from 6002 user reviews Customer service	Special highlight AI-generated from 6410 user reviews Teen drivers	Special highlight AI-generated from 181 user reviews High customer satisfaction	Special highlight AI-generated from 1171 user reviews Bundling discounts	Special highlight AI-generated from 6856 user reviews Competitive rates	Special highlight AI-generated from 274 user reviews SR-22 insurance

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best For
State Farm	9.3	$117	$55	Cheap rates
Hugo	7.0	N/A	$208	Short-term coverage
National General	6.8	$184	$99	Teen drivers

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 Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

cheap rates

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User Reviews	4.2 6,002 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
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.	$43/mo

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Driver Reviews

4.2

Best choiceBased on 11,128 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,002)

Jane

May 19, 2025

Verified Review

State Farm is too expensive

I was with them for over forty years, but my insurance kept going up. I was paying $400.00 a month, so I had to leave.

Richard

May 18, 2025

Verified Review

Customer service a lost cause

I've been with them for over 25 years, and a few years ago, my agent retired, and the customer service went completely downhill. My former agent would call just to say hi and ask if there was anything I needed. The new agent and I have rarely talked, maybe 2-3 times in 4-5 years. I also tried to get a lower rate because I have multiple cars, but I never heard back, and they just increased the prices.

Jimi

May 16, 2025

Verified Review

Average

No response to the email sent to the agent. Unable to get the status of a claim. Premium increased.

Previous

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

855

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

A well-established fixture in the car insurance industry, State Farm sells a number of insurance products — including auto insurance — in all 50 states. The company offers some of the cheapest liability and full-coverage rates in Tennessee.

Pros

• AM Best financial strength rating of A++ (Superior), the highest level possible

• Above-average J.D. Power customer satisfaction ratings across the nation^[1]

Cons

• Gap insurance not available

• Fewer discounts than some competitors

Best insurer for short-term coverage: Hugo

short-term coverage

Compare Quotes

User Reviews	4.1 57 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	7 /10
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.	$143/mo

Show Details

Driver Reviews

4.1

Best choiceBased on 145 verified guest reviews and ratings

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best For

Micropayments

No down payments

Fast coverage

How drivers feel about Hugo

Drivers appreciate the pay-as-you-go option and affordability but dislike the lack of full coverage and poor customer service.

AI-generated from the text of verified reviews collected by Insurify

Best For

Micropayments

No down payments

Fast coverage

Reviews (57)

Andrea

April 15, 2025

Verified Review

Excellent

Hugo is awesome.

Donna

April 2, 2025

Verified Review

No Thanks

In my experience, Hugo is an option for people who are struggling. However, it seems to exploit those who are struggling because the insurance only covers the minimum requirements. This means that the policyholder will be fully responsible and have to pay out of pocket for anything that goes wrong with the vehicle.

Rebekah

March 18, 2025

Verified Review

Never Able to Speak with Customer Service, So I Switched!

I was never able to speak with someone, so I switched!

Previous

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

NR

Why we picked this company

Hugo launched in 2021 and is currently the only insurance company offering on-demand car insurance. Drivers can open a Hugo account without paying a down payment up front. Drivers can choose a policy term of three, seven, 14, or 30 days, or six months, and policyholders can pay smaller amounts more frequently instead of all at once. Drivers also receive instant proof of insurance. Hugo currently only offers state-minimum liability coverage in 13 states. J.D. Power and AM Best have not yet evaluated Hugo’s customer satisfaction or financial strength.

Pros

• Short-term policies

• No up-front down payment required

• Flexible, pay-as-you-go insurance

Cons

• Only available in 13 states

• Doesn’t offer collision or comprehensive coverage

• No discounts available

Best insurer for teen drivers: National General

teen drivers

Compare Quotes

User Reviews	3.4 274 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	6.8 /10
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.	$102/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.	$183/mo

Show Details

Driver Reviews

3.4

A solid optionBased on 555 verified guest reviews and ratings

How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

AI-generated from the text of verified reviews collected by Insurify

Best For

SR-22 insurance

Bundling discounts

Hard-to-insure drivers

How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

AI-generated from the text of verified reviews collected by Insurify

Best For

SR-22 insurance

Bundling discounts

Hard-to-insure drivers

Reviews (274)

Joann

May 21, 2025

Verified Review

Not a great experience

I could never access their website; it always prompted me to call. They changed our policy because they claimed they didn't have a copy of our new driver's licenses, which they never mentioned they needed.

Timothy

May 11, 2025

Verified Review

The rates go up every time it's renewal time. I'm switching because I saved $110 with my new insurance company, Progressive!

The rates go up every time it's renewal time. I'm switching because I saved $110 with my new insurance company, Progressive!

Kevin

May 8, 2025

Verified Review

Unpleasant and difficult

They are quick to cancel if payment is even a few days late. The web interface is terrible, and I often can't log in to pay without multiple attempts.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

829

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

4.01

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A+

Why we picked this company

Young drivers typically pay expensive rates on their insurance policy due to a lack of driving experience. An Allstate company, National General offers the cheapest coverage for teenage drivers in Tennessee. The company offers a range of auto coverage options and discounts, as well as home and flood insurance products.

Pros

• Provides coverage for high-risk drivers

• Many customizable add-on coverage options

Cons

• Gap insurance not available

• May pay higher rates than some competitors

How to get the cheapest car insurance in Tennessee

Several factors can increase your risk profile and insurance premiums, including your age, gender, driving history, credit record, and chosen coverage. But by following these steps, you can still find the cheapest car insurance in Tennessee without compromising quality of coverage.

• Shop around. The Insurance Information Institute recommends gathering three quotes from various insurance companies. You want to ensure you compare the same policy types for the most accurate comparison.^[2]

• Increase your deductible. A higher deductible usually means lower monthly premiums. But “a high deductible plan may be unsuitable if you have a total loss and need funds to help purchase a new car,” says Kevin Walters, director of communications at the Tennessee Department of Commerce & Insurance.

• Take advantage of discounts. Maintaining a clean driving record, bundling policies, and having safety features on your car can qualify you for various discounts to help you save money on your policy.

Low-cost car insurance in Tennessee

Tennessee doesn’t have a low-income car insurance program to help drivers find low-cost car insurance. If you’re looking for a cheaper policy in Tennessee, consider comparing quotes from three to five car insurance companies every six months to make sure you’re still getting the best offer on your insurance. Car insurance companies revise their rates often, and the company that had the best deal six months ago may no longer be the best option for you today.

Find Cheap Car Insurance in Tennessee

Liability rates start at $21 per month

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Cheapest liability-only car insurance quotes in Tennessee: State Farm

Liability-only coverage will pay for the other driver’s medical expenses and property damage if you cause a car accident. While liability-only insurance is the most affordable option, it doesn’t cover your medical expenses or vehicle damage.^[3]

Liability insurance in Tennessee costs $72 per month, on average. Find the cheapest companies in Tennessee for liability coverage below.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$21
USAA	$25
Auto-Owners	$29
Travelers	$29
Erie	$31
Allstate	$39
Mile Auto	$40
Farmers	$42
Nationwide	$52
Progressive	$57
Direct Auto	$59
Chubb	$61
Safeco	$80
State Auto	$81
Dairyland	$83
Root	$86
The General	$91
GAINSCO	$99
Elephant	$99
National General	$102
Bristol West	$121
Liberty Mutual	$133
Hugo	$143
Foremost	$175

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 quotes in Tennessee: State Farm

If you’re looking for more than liability insurance, you should consider a full-coverage policy. This policy includes liability, comprehensive, and collision coverage, protecting you and the other party in an accident. With collision coverage, your insurer pays for repairs to your vehicle, even if you’re at fault in an accident. Comprehensive coverage covers losses and damages from non-collision incidents, like theft or natural disaster.

If you drive frequently, have a loan or lease on your vehicle, or live in a high-risk area, you should purchase a full-coverage policy. You’ll have to pay a deductible before receiving coverage for collision or comprehensive claims.

Tennessee drivers pay a monthly average of $145 for full-coverage insurance. A number of insurers in Tennessee offer affordable full-coverage insurance rates, including the following:

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$43
USAA	$51
Auto-Owners	$59
Travelers	$59
Erie	$63
Mile Auto	$67
Allstate	$79
Farmers	$85
Nationwide	$105
Progressive	$114
Chubb	$122
Direct Auto	$142
Safeco	$154
Elephant	$159
State Auto	$163
Root	$165
National General	$183
The General	$196
Liberty Mutual	$232
Dairyland	$233
GAINSCO	$259
Bristol West	$292

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.

Car insurance requirements in Tennessee

Tennessee adheres to the tort system, meaning you’re financially responsible for any damages or injuries resulting from an accident you cause. To drive legally in Tennessee, you must carry the minimum coverage required by law:^[4]

• 

  Bodily injury liability

  • $25,000 per person

  • $50,000 per accident

• 

  Property damage liability

  • $25,000 per accident

While not required in Tennessee, additional auto insurance coverage can provide more financial protection in an at-fault accident. To ensure you have enough protection, consider the following optional coverages:

• 

  Collision coverage

  Collision insurance covers damage from collisions you have with a vehicle or another object, such as a tree or light pole, regardless of fault. If you have a loan or lease on your car, your lender may require you to purchase collision coverage.

• 

  Comprehensive coverage

  If a non-collision incident causes vehicle damage, comprehensive insurance kicks in. This includes damage from fire, theft, falling objects, and natural disasters.

• 

  Uninsured/underinsured motorist coverage

  If you’re in an accident where the at-fault person doesn’t have enough or any coverage, uninsured/underinsured motorist coverage steps in to cover the gaps and pay for your medical expenses and vehicle repairs. UM/UIM also covers damage to your car from a hit-and-run accident.

• 

  Medical payments coverage

  In the event of an accident, medical payments coverage pays for your medical expenses from resulting injury, up to your coverage limit.

Cheapest car insurance in Tennessee for drivers with an incident

If you’re a driver in Tennessee with a history of at-fault accidents, speeding tickets, DUIs, or other moving violations, you’ll typically receive increased insurance premiums.^[5]

If you have a spotty record, insurers see you as a higher risk for future incidents than drivers with clean records. The likelihood of you having another moving violation increases, making you more liable to the insurer.

Find Cheap Car Insurance in Tennessee

Monthly rates start at $26 for drivers with an incident

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Cheapest car insurance quotes for drivers with a speeding ticket: State Farm

A speeding ticket may not seem like a huge deal, but it can have consequences, including points on your driving record, fines, and premium increases for several years. The average monthly cost for a driver in Tennessee who has a speeding ticket on their record is $205.

If you have a speeding ticket on your record, these insurance companies offer the most affordable coverage.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Speeding Ticket
State Farm	$21	$27
USAA	$25	$33
Auto-Owners	$29	$39
Travelers	$29	$38
Erie	$31	$43
Allstate	$39	$51
Mile Auto	$40	$51
Farmers	$42	$55
Nationwide	$52	$69
Progressive	$57	$75
Direct Auto	$59	$78
Chubb	$61	$80
Safeco	$80	$108
State Auto	$81	$108
Dairyland	$83	$109
Root	$86	$123
The General	$91	$124
GAINSCO	$99	$137
Elephant	$99	$128
National General	$102	$133
Bristol West	$121	$161
Liberty Mutual	$133	$185
Hugo	$143	$184
Foremost	$175	$243

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 quotes for drivers with an at-fault accident: State Farm

At-fault accidents can cause your policy premiums to increase significantly, depending on the accident’s severity. Accidents can stay on your record for up to five years and keep your insurance rates high. For example, Tennessee drivers who have had an accident pay an average of $213 per month.

Fortunately, some companies offer accident forgiveness programs to help prevent rate increases after your first at-fault accident, and many insurance companies still provide competitive rates. Find the cheapest average monthly quotes in Tennessee below.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With Accident
State Farm	$21	$28
USAA	$25	$34
Auto-Owners	$29	$40
Travelers	$29	$40
Erie	$31	$44
Allstate	$39	$53
Mile Auto	$40	$55
Farmers	$42	$58
Nationwide	$52	$72
Progressive	$57	$80
Direct Auto	$59	$83
Chubb	$61	$83
Safeco	$80	$114
State Auto	$81	$112
Dairyland	$83	$113
Root	$86	$128
The General	$91	$128
GAINSCO	$99	$131
Elephant	$99	$135
National General	$102	$138
Bristol West	$121	$166
Liberty Mutual	$133	$192
Hugo	$143	$206
Foremost	$175	$252

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 quotes for drivers with a DUI: State Farm

A DUI is a severe offense with major legal and financial consequences. If you have one, Tennessee will usually require your insurer to file an SR-22 form to show that you have the necessary insurance to operate a vehicle.

This offense can result in a substantial increase in your rates for several years. In Tennessee, a DUI stays on your record permanently and you won’t be able to get it expunged. Tennessee drivers with a DUI pay an overall average of $242 per month for coverage.

You can work to lower your costs by shopping for the most affordable auto insurance company. To begin your search, consider the following insurers that offer competitive rates for drivers with a DUI on their record. Keep in mind, though, that you may need to go with a high-risk insurer if you can’t obtain coverage through the standard market.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Avg. Quote With Clean Driving Record	Avg. Quote With DUI
State Farm	$21	$34
USAA	$25	$41
Auto-Owners	$29	$48
Travelers	$29	$48
Erie	$31	$51
Allstate	$39	$64
Mile Auto	$40	$66
Farmers	$42	$69
Nationwide	$52	$85
Progressive	$57	$94
Direct Auto	$59	$97
Chubb	$61	$100
Safeco	$80	$129
State Auto	$81	$133
Dairyland	$83	$136
Root	$86	$130
The General	$91	$149
GAINSCO	$99	$162
Elephant	$99	$162
National General	$102	$167
Bristol West	$121	$199
Liberty Mutual	$133	$218
Hugo	$143	$235
Foremost	$175	$287

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 quotes for seniors: State Farm

As you enter your 70s, age-related conditions may start to pose a hazard to you and other drivers on the road. Insurers may see your age as a risk factor for more accidents, and increase your insurance premiums.

Senior drivers in Tennessee pay a monthly average of $53 for liability-only policies and $107 for full coverage. To counteract the slight price increase, you can shop for an insurer that offers budget-friendly rates for senior drivers.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	$31	$15
USAA	$38	$19
Travelers	$43	$21
Auto-Owners	$44	$22
Erie	$46	$23
Mile Auto	$47	$28
Allstate	$60	$29
Farmers	$62	$31
Nationwide	$73	$36
Progressive	$76	$38
Chubb	$84	$42
Direct Auto	$103	$43
State Auto	$117	$58
Elephant	$118	$74
Safeco	$125	$65
National General	$131	$73
Root	$134	$70
The General	$148	$69
Dairyland	$177	$63
Liberty Mutual	$182	$104
GAINSCO	$202	$77
Bristol West	$222	$92

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 quotes for teens: State Farm

Teenagers pay the highest auto insurance costs, which don’t start to drop significantly until drivers turn 25. Young drivers typically have less experience on the road, which presents an increased hazard to themselves and others. Liability-only car insurance and full coverage for Tennessee teens average $129 and $259 per month.

To save money on coverage for your teenager, you can keep them on your insurance policy, have them drive a safe car, and take advantage of a good student discount. You can also compare quotes to see which insurance companies offer the best rates for teen drivers, starting with the insurers below.

The below rates are estimated rates current as of: Thursday, May 1 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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Insurance Company	Average Quote: Full Coverage	Average Quote: Liability Only
State Farm	$78	$38
USAA	$90	$44
Auto-Owners	$102	$50
Erie	$112	$55
Travelers	$112	$55
Mile Auto	$136	$81
Allstate	$150	$74
Farmers	$156	$77
Nationwide	$196	$97
Progressive	$208	$104
Chubb	$250	$125
Root	$259	$135
Direct Auto	$273	$114
Elephant	$274	$170
Safeco	$310	$161
The General	$323	$150
National General	$366	$204
State Auto	$380	$189
Dairyland	$380	$135
Liberty Mutual	$408	$234
GAINSCO	$469	$179
Bristol West	$512	$212

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.

Tennessee car insurance quotes by credit tier

Insurers in Tennessee can legally check your credit history to determine the likelihood of you filing a claim. Therefore, drivers with excellent or good credit scores will likely pay lower insurance premiums than people with poor credit scores.

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Car insurance rates across Tennessee cities

Your location, down to your city and ZIP code, significantly affects your insurance rate. This is because factors like vehicle crime rates and weather patterns influence how likely you are to file a claim. This is why car insurance companies charge a higher premium for residents in some cities. The table below shows the average cost of car insurance across cities in Tennessee.

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