120+ more*Quotes generated for Insurify users from Tennessee within the last 10 days. Last updated on August 27, 2026. 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 August 27, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Cheapest car insurance company in Tennessee: State Farm
Cheapest car insurance rate in Tennessee: $36 per month
Average monthly liability-only car insurance cost in Tennessee: $60
Average monthly full-coverage car insurance cost in Tennessee: $132
State Farm, Sun Coast, and Mile Auto offer the cheapest quotes to drivers in Tennessee. We based the quotes below on a driver with a clean record and good-to-excellent credit. Your quotes may differ based on your driver profile.
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Insurance Company | Average Monthly Quote: Liability Only | Average Monthly Quote: Full Coverage |
|---|---|---|
| State Farm | $36 | $76 |
| Sun Coast | $36 | $78 |
| Mile Auto | $37 | $75 |
| Freedom National | $40 | $157 |
| Progressive | $40 | $75 |
| Direct Auto | $41 | $95 |
| Certainly | $42 | $122 |
| USAA | $42 | $90 |
| AssuranceAmerica | $46 | $112 |
| Allstate | $47 | $106 |
| GEICO | $48 | $104 |
| Auto-Owners | $49 | $105 |
| Travelers | $49 | $105 |
| The General | $50 | $150 |
| Erie | $52 | $112 |
| Trexis | $52 | $124 |
| GAINSCO | $58 | $149 |
| Safeco | $58 | $109 |
| Trexis One | $60 | $150 |
| National General | $63 | $105 |
| Dairyland | $64 | $197 |
| First Acceptance | $64 | $175 |
| Mendota | $64 | $151 |
| Farmers | $71 | $151 |
| Liberty Mutual | $72 | $148 |
| Bristol West | $74 | $163 |
| Root | $77 | $133 |
| Elephant | $78 | $143 |
| Chubb | $102 | $217 |
| State Auto | $135 | $290 |
Finding the best car insurance in Tennessee takes more than comparing rates. The insurers below stand out based on reviews from real customers, as well as factors such as financial strength, customer satisfaction, and complaint data.
| JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale. | 637 |
|---|---|
| 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. | 8.7 /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. | $40/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. | $75/mo |
Customers appreciate the insurer’s good customer service and initial affordability but dislike the consistent price increases and complex claims process.
Progressive has some of the cheapest full-coverage car insurance rates in the Volunteer State. Approximately 32% of Tennesseans have a car loan or lease, according to Insurify data, and lenders usually require full-coverage insurance. Progressive also works with independent insurance agents throughout Tennessee, meaning you can get local, in-person help.
Some of the cheapest full-coverage quotes in Tennessee
Broad network of independent agents in Tennessee
Generous bundling discount
Below-average J.D. Power customer satisfaction rating in Tennessee
Poor Trustpilot rating
Snapshot program may increase rates for late-night weekend driving
| User Reviews | 4.1 |
|---|---|
| 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. | $36/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. | $76/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.7 | 2.9 |
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.
State Farm has some of the cheapest quotes for state-minimum insurance coverage in Tennessee — about 40% less than the state average. It’s a strong option to meet the state’s coverage requirements at an affordable price. Tennessee drivers can also access an extensive network of local State Farm agents and several discounts.
Among the cheapest liability rates in Tennessee
Extensive agent network in Tennessee
Discounts for safe driving, bundling, and multiple vehicles
Below-average J.D. Power customer satisfaction rating in Tennessee
Poor Trustpilot rating
No accident forgiveness coverage
| User Reviews | 4.0 |
|---|---|
| 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. | 9.2 /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. | $48/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. | $104/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.1 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.8 | 2.9 |
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
GEICO offers several easy ways for Tennessee drivers to save, including a discount of up to 25% for a multi-vehicle policy. This discount can be beneficial for the 10% of Tennesseans who own more than one vehicle, according to Insurify data. Plus, J.D. Power rated GEICO highly in its 2026 U.S. Auto Insurance Study in the Southeast region.
Numerous available car insurance discounts
Relatively low car insurance quotes in Tennessee
Above-average J.D. Power customer satisfaction in the Southeast
Fewer additional coverage options than some competitors
No gap insurance
Limited local agent presence in Tennessee
| User Reviews | 4.4 |
|---|---|
| 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. | 8.4 /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. | $52/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. | $112/mo |
Erie Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 4.2 | 3.2 |
| Customer service | 3.8 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the insurer’s excellent customer service and quick claim handling but are dissatisfied with the unexpected and unexplained rate increases. Some also found the policy details hard to understand.
Erie earned the top rating for customer satisfaction in the Southeast region in J.D. Power’s 2026 U.S. Auto Insurance Study. The insurer also offers a discount for reduced usage or vehicles used exclusively for farming. That could be especially useful in Tennessee, which has 62,500 farm operations.[1]
Top J.D. Power customer satisfaction rating in the Southeast
Discount for eligible Tennessee farmer-use vehicles
Below-average number of National Association of Insurance Commissioners (NAIC) customer complaints in Tennessee
No online quote option
Fewer discounts than some competitors
Available in only 12 states and Washington, D.C.
To help Tennessee drivers find affordable coverage that works for them, we compiled thousands of insurance company reviews from verified customers. We’ve also put in hundreds of hours analyzing industry rating organizations like AM Best and J.D. Power to create our proprietary Insurify Quality Score.
A liability-only car insurance policy costs an average of $717 per year in Tennessee, well below the national average of $1,178 per year. Full-coverage car insurance averages $1,587 per year, compared to the national average of $2,238.
Several factors affect Tennessee car insurance costs. The state is prone to natural disasters, like tornadoes, wildfires, and flooding.[2] Tennessee ranks 14th in the nation for vehicle thefts by volume. Some cities have higher theft rates than others — for example, Memphis ranks 25th in the country, while Chattanooga ranks 94th.
Liability policies average $60/mo.
Car insurance rates vary between cities in Tennessee for several reasons. In Murfreesboro, for example, around 6.17% of drivers have an at-fault accident on their record. As a result, rates may be higher than the state average.
Rates can also vary depending on population density — for example, Memphis has around 2,132 people per square mile, while Bristol has around 831 people per square mile.[3] Insurance rates are much higher in Memphis than in Bristol.
Below are the average quotes for liability-only and full-coverage car insurance in different Tennessee cities.
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City | Average Monthly Quote |
|---|---|
| Johnson City | $76 |
| Bristol | $79 |
| Maryville | $80 |
| Kingsport | $81 |
| Oak Ridge | $85 |
| Cleveland | $91 |
| Franklin | $94 |
| Knoxville | $94 |
| Chattanooga | $97 |
| Hendersonville | $97 |
| Jackson | $98 |
| Smyrna | $101 |
| Clarksville | $104 |
| Murfreesboro | $104 |
| Nashville | $116 |
| Memphis | $144 |
The following bar chart shows the five most expensive cities in Tennessee for car insurance.
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Ph.D. in Computational Biology
City | Average Monthly Quote |
|---|---|
| Clarksville | $64 |
| Smyrna | $65 |
| Murfreesboro | $66 |
| Nashville | $73 |
| Memphis | $89 |
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Insurance rates vary significantly in Tennessee, depending on the insurance company, your location, your driving history, and other key factors. For example, rates are usually higher in bigger cities like Memphis or Nashville than in rural areas like Johnson City or Bristol.
The following tips can help you get the most accurate quotes in Tennessee for your insurance needs:[4]
Gather your documentation. Have your driver’s license, VIN, and other necessary information ready before requesting quotes.
Determine how much coverage you need. Choose your coverage types, limits, and deductibles before comparing insurers.
Compare multiple quotes. Get quotes from at least three insurance companies, including both national and regional insurers, like First Acceptance and Mendota.
Compare the same coverage. Make sure each quote uses the same coverage types, limits, and deductibles.
Bundle your coverage. Consider combining your home and auto insurance to save money.
Ask about discounts. Check each company’s available discounts to see which ones you qualify for.
Tennessee’s minimum car insurance requirements are comparable to what other states require. To legally drive in Tennessee, you’ll need to buy coverage meeting these minimums:[5]
Liability Coverage | Tennessee Required Minimum Per Person | Tennessee Required Minimum Per Accident |
|---|---|---|
| Bodily injury liability | $25,000 | $50,000 |
| Property damage liability | N/A | $25,000 |
Keep in mind, Tennessee’s minimum required amounts haven’t changed since 2017. But a lot of costs associated with accidents have gone up drastically. Things like repair costs and medical expenses are much higher now, so the state’s minimum amounts might not be enough financial protection for everyone.
Tennessee is an at-fault state, meaning the at-fault driver is financially responsible for the damages and injuries of the accident.
Depending on your situation, you may be exempt from financial responsibility or meet the standard by:
Posting a $65,000 bond with the Tennessee Department of Revenue
Making a $65,000 deposit with the Tennessee Department of Revenue
See quotes from top insurers in minutes
The best way to find the cheapest quotes in Tennessee is to compare quotes from multiple insurance companies. Here are additional ways to lower your costs:
Improve your credit. The average FICO credit score in Tennessee is 703, according to Experian. That’s slightly lower than the national average of 713, though it still falls in the “Good” range. Tennessee allows insurers to consider credit-based insurance scores to set premiums, so maintaining strong credit could help you qualify for lower rates.
Drive safely. Just under 5% of Tennessee drivers have a speeding ticket, according to Insurify data. A traffic violation can increase your car insurance premiums.
Increase your deductible. If you have full coverage, increasing your collision coverage and comprehensive coverage deductibles can lower your premiums, but you’ll pay more out of pocket after a claim.
Adjust your coverage. Review optional coverages and limits to make sure you’re not paying for more protection than you need.
Bundle your policies. Some insurers offer a discount when you purchase your auto and home insurance policies, or other eligible policies with the same company.
Agent Tip: Should Tennessee drivers focus on price alone?
“Don’t focus on price alone when comparing policies — consider what you’re getting for the cost, especially your liability limits and deductibles. Lower limits or higher deductibles can reduce your premium but may increase what you pay out of pocket after an accident.”
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Car insurance rates in Tennessee vary based on your driving record, coverage needs, and other factors. Explore our Tennessee car insurance resources to learn more about coverage requirements, average costs, affordable policy options, and insurance for different driver needs.
In 2025, car insurance costs in Tennessee decreased by around 7% from the beginning to the end of the year. One reason for this could be the 14% decrease in traffic fatalities statewide in 2025, according to the Tennessee Department of Safety and Homeland Security. A reduction in severe accidents can cause insurance companies to lower rates.
Car insurance costs have remained relatively stable in 2026, according to Insurify’s American Driver Report. Our data shows an average annual cost of $1,582 in June 2026 — unchanged from the first six months of 2026.
Insurify projects that Tennessee car insurance costs will increase slightly by the end of 2026, rising around 0.3%, to $1,588. The state’s relatively low cost of living could contribute to its comparatively affordable car insurance costs.
State Name | 2021-07 | 2021-08 | 2021-09 | 2021-10 | 2021-11 | 2021-12 | 2022-01 | 2022-02 | 2022-03 | 2022-04 | 2022-05 | 2022-06 | 2022-07 | 2022-08 | 2022-09 | 2022-10 | 2022-11 | 2022-12 | 2023-01 | 2023-02 | 2023-03 | 2023-04 | 2023-05 | 2023-06 | 2023-07 | 2023-08 | 2023-09 | 2023-10 | 2023-11 | 2023-12 | 2024-01 | 2024-02 | 2024-03 | 2024-04 | 2024-05 | 2024-06 | 2024-07 | 2024-08 | 2024-09 | 2024-10 | 2024-11 | 2024-12 | 2025-01 | 2025-02 | 2025-03 | 2025-04 | 2025-05 | 2025-06 | 2025-07 | 2025-08 | 2025-09 | 2025-10 | 2025-11 | 2025-12 | 2026-01 | 2026-02 | 2026-03 | 2026-04 | 2026-05 | 2026-06 | 2026-07 |
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| Tennessee | 1,306 | 1,302 | 1,302 | 1,304 | 1,306 | 1,312 | 1,313 | 1,309 | 1,312 | 1,325 | 1,336 | 1,339 | 1,339 | 1,336 | 1,347 | 1,347 | 1,347 | 1,347 | 1,357 | 1,362 | 1,379 | 1,403 | 1,448 | 1,496 | 1,530 | 1,572 | 1,605 | 1,609 | 1,624 | 1,639 | 1,663 | 1,694 | 1,736 | 1,768 | 1,805 | 1,794 | 1,786 | 1,785 | 1,751 | 1,751 | 1,735 | 1,738 | 1,729 | 1,725 | 1,716 | 1,712 | 1,691 | 1,671 | 1,648 | 1,620 | 1,601 | 1,584 | 1,579 | 1,582 | 1,575 | 1,569 | 1,573 | 1,575 | 1,577 | 1,581 | 1,587 |
| United States | 1,553 | 1,555 | 1,557 | 1,562 | 1,564 | 1,566 | 1,568 | 1,571 | 1,577 | 1,591 | 1,602 | 1,607 | 1,612 | 1,618 | 1,624 | 1,631 | 1,640 | 1,650 | 1,665 | 1,689 | 1,719 | 1,758 | 1,803 | 1,850 | 1,887 | 1,918 | 1,956 | 1,983 | 2,006 | 2,037 | 2,076 | 2,128 | 2,194 | 2,240 | 2,299 | 2,341 | 2,368 | 2,390 | 2,387 | 2,374 | 2,370 | 2,363 | 2,351 | 2,366 | 2,367 | 2,367 | 2,355 | 2,342 | 2,317 | 2,285 | 2,257 | 2,227 | 2,215 | 2,221 | 2,222 | 2,224 | 2,233 | 2,238 | 2,237 | 2,237 | 2,238 |
Understanding the answers to the following common questions can help you find the cheapest car insurance in Tennessee for your needs and budget.
The average cost of car insurance in Tennessee is $96 per month, according to Insurify data.
Some of the most affordable car insurance companies for Tennessee drivers include State Farm, Sun Coast, and Mile Auto.
Progressive has the cheapest full-coverage car insurance rates in Tennessee for teen drivers, at an average of $142 per month. For liability coverage, State Farm is the cheapest insurer, at an average of $72 per month.
Some of the main factors that affect the cost of car insurance in Tennessee include your driving record, claims history, and where you live in the state. Your rates can also vary depending on the type and amount of coverage you choose.
Tennessee drivers must carry at least $25,000 per person and $50,000 per accident in bodily injury liability coverage. The state also requires drivers to have at least $25,000 in property damage liability coverage.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
