Cheap Auto Insurance Quotes in Tennessee (November 2021)

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How does a country star save on car insurance?

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.

Cheapest Car Insurance in Tennessee

Here are the cheapest carriers 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 for the twenty most populous cities in Tennessee.

Best Car Insurance in Tennessee

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 carrier reviews. The following are the top rated carriers that offer car insurance in Tennessee. For the complete list, see Insurify's best car insurance companies.

Car Insurance in Tennessee

Auto insurance costs will vary between locations and insurance carriers. Insurify analyzed the latest data for the five most populous cities in Tennessee to find you the cheapest quotes in each of these metropolitan areas.

Nashville, Tennessee's most populous city, sees the highest levels of traffic congestion in the East South Central region of the U.S., according to a recent Insurify study.

Quotes by Top Carriers
Quotes ($/mo)
$104
$114
$203
$216
State FarmAllstateDirect AutoThe General
Monthly $
CityCheapest Carrier
State FarmState Farm
$104/mo
Progressive
$46/mo
Progressive
$60/mo
Progressive
$66/mo
Progressive
$68/mo
Progressive
$64/mo
Progressive
$46/mo
State FarmState Farm
$32/mo
Progressive
$48/mo
Progressive
$46/mo
Progressive
$58/mo
Progressive
$50/mo
Progressive
$45/mo
Progressive
$50/mo
Progressive
$58/mo
Progressive
$51/mo
Progressive
$50/mo
Progressive
$49/mo
National GeneralNational General
$122/mo
ElephantElephant
$161/mo
National GeneralNational General
$91/mo
National GeneralNational General
$72/mo
National GeneralNational General
$89/mo
National GeneralNational General
$115/mo

Cheapest Liability Auto Insurance in Tennessee

For drivers in Tennessee, that are looking for the cheapest quote possible, you can consider a state minimum policy for liability insurance.

To simplify finding the cheapest minimum liability quote, Insurify has analyzed rates from top insurance providers in Tennessee. The following are the cheapest insurance rates from carriers that offer minimum liability auto insurance in Tennessee.

Cheapest Full Coverage Auto Insurance in Tennessee

For drivers in Tennessee, that are looking for a full coverage policy that includes comprehensive and collision insurance it’s important that you evaluate all of your potential insurance options to ensure you are finding the best rate.

To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Tennessee. The following are the best insurance rates from carriers that offer full coverage auto insurance in Tennessee.

Tennessee Driving Facts

tennessee

Minimum Car Insurance Requirements in TN

All motor vehicles operated or parked on Tennessee roadways are required to be insured. 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 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverge 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.

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. Average rates may vary depending on the profile and background of the policyholder.

Cheap Car Insurance for Good Drivers

For Tennessee drivers with a clean driving 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 additional safe driving discounts, it can really pay to have a record free of accidents or traffic tickets.
Insurance Company
State Farm
$32/mo
Progressive
$45/mo
GEICO
$73/mo
Allstate
$77/mo
Nationwide
$103/mo

Cheap Car Insurance for Drivers with DUI

Everybody makes mistakes and has to deal with the fallout. The fallout for a DUI is rough: court fines, reinstatement fees, SR-22 filing, and years of paying more for car insurance to name only a few. Finding affordable rates on car insurance with a DUI is no small feat. If you find yourself really struggling to get an affordable rate, consider only carrying liability coverage as a way to save.
Insurance Company
Progressive
$34/mo
Tennessee Farmers
$37/mo
State Farm
$40/mo

Cheap Car Insurance for Drivers with an At-Fault Accident

The sinking feeling after realizing you’ve caused an accident is no exaggeration. Even a tiny fender bender can raise rates to levels that significantly alter your budget. If you’ve paid for accident forgiveness you may have caught a break. If not: discounts, discounts, discounts.
And comparison shopping at least every time your policy is up for renewal: insurance companies look at different time windows for driving history. For example, one company might look at the last five years while the other looks at the last three. Here are the best rates we could find for drivers with one at-fault accident.
Insurance Company
Tennessee Farmers
$25/mo
Auto Owners
$31/mo
Erie
$37/mo

Cheap Car Insurance for Speeding Drivers

The need for speed can soon turn into the need for a new budget. Speeding tickets can affect people differently. But essentially, the more often you speed—and the higher your mph—the more points you’ll receive on your driver’s license. Higher points mean higher prices in the car insurance game. The best way to lower costs? Slow down and find a discount program, like a defensive driving course reduction.
Insurance Company
Erie
$29/mo
GEICO
$36/mo
Tennessee Farmers
$37/mo

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. Since inexperienced drivers pose a higher risk for insurance providers, their rates are often significantly higher. Tennessee Farmers 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 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. Unlike most states, Tennessee 21-year-olds benefit from the state’s ban on using gender, education level, and credit score as factors when calculating premiums. This will generally help young Tennesseans lower their monthly payments. To find the cheapest car insurance for 21-year-olds, use a car insurance quotes comparison site like Insurify.

Insurance Company
Tennessee Farmers
$25/mo
USAA
$27/mo
Auto Owners
$29/mo
Progressive
$29/mo
GEICO
$31/mo

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.

TN DMV 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.

Insurify Insights: How Tennessee Drivers Measure Up

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Tennessee drivers measure up to their fellow motorists across the United States in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Tennessee

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Among all fifty states, Tennessee drivers rank 17 in the number of car accidents per driver.

  • Rank of States: #17
  • Percent of drivers in Tennessee with an accident: 11.08%
  • Drivers in TN with an accident in their driving history paid on average 44.76% more than drivers with a clean record

Speeding Tennessee

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. Tennessee drivers rank 17 in the number of speeding infractions per driver across all fifty states.

  • Rank of States: #17
  • Percent of drivers in Tennessee with a speeding ticket: 11.2%
  • Drivers in TN with a speeding ticket in their driving history paid on average 35.66% more than drivers with a clean record

DUI/DWIs Tennessee

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Tennessee drivers rank 31 in the number of DUI’s per driver across all fifty states.

  • Rank of States: #31
  • Percent of drivers in Tennessee with a DUI: 1.81%
  • Drivers in TN with a DUI in their driving history paid on average 4.2% more than drivers with a clean record

Most Popular Vehicle Tennessee

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Tennessee is the Nissan Altima.

Rude Tennessee

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all fifty states, Tennessee drivers rank 6 in rude driving infractions.

  • Rank of States: #6
  • Percent of drivers in Tennessee with a reckless driving violation: 1.95%
  • Drivers in TN with a reckless driving violation in their driving history paid on average 33.57% more than drivers with a clean record.

Safest Drivers Tennessee

Having a squeaky-clean driving record is an accomplishment to be proud of. Some states have safer drivers than others; Tennessee drivers rank 33 in clean driving records across all fifty states.

  • Rank of States: #33
  • Percent of drivers in Tennessee with clean record: 78.74%

Street Racing Tennessee

Street racing might seem like something straight out of a Fast and Furious movie, but it’s a real issue that threatens public safety. Among all fifty states, Tennessee drivers rank 13 in street racing violations per driver.

  • Rank of States: #13
  • Percent of drivers in Tennessee with a street racing violation: 0.01%

Failure to Yield the Right of Way Tennessee

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Tennessee drivers rank 21 in failure to yield violations per driver across all fifty states.

  • Rank of States: #21
  • Percent of drivers in Tennessee with a failure to yield violation: 0.4%
  • Drivers in TN with a failure to yield violation in their driving history paid on average 30.77% more than drivers with a clean record

Reckless Drivers Tennessee

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all fifty states, Tennessee drivers rank 17 in the number of reckless driving offenses per driver.

  • Rank of States: #17
  • Percent of drivers in Tennessee with a reckless driving offense: 0.15%

Hybrid/Electric Vehicle Ownership Tennessee

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Tennessee drivers rank 36 in hybrid and electric vehicle ownership across all fifty states.

  • Rank of States: #36
  • Percent of drivers in Tennessee with a hybrid/electric vehicle: 0.64%

Greenest Cities in Tennessee

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of Tennessee offers many green driver incentives, including federal tax credits, HOV Smart Passes for hybrid vehicles, and discounts through some car insurance carriers.

Greenes Cities

Brentwood

Greenes Cities
% of Hybrids / Electrics
3%
Most Patriotic City

Most Patriotic City

Clarksville

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Clarksville won Insurify's Most Patriotic Cities Award for the state of Tennessee. It is situated close to the Fort Cambell army installation.

Road Statistics

Insurify used a recent report from TripNet to rank twenty-five states by roads in poor condition, structurally deficient bridges, and fatality rate per 100 million vehicle miles traveled (VMT) on rural roads. Knowledge of infrastructure in Tennessee is vital for all car insurance shoppers hitting the road in The Volunteer State.

road with cars illustration

Road Rankings

7%Rural Roads in
Poor Condition

#21
Ranked

5%Structurally Deficient
Rural Bridges

#14
Ranked

1%Fatality Rate per 100M VMT
on Rural Roads

#17
Ranked


FAQs - Tennessee Car Insurance

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.


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