Average Car Insurance Cost in Tennessee (2025)
Drivers in Tennessee pay an average of $109 per month for car insurance.
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Written byNick Dauk
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6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
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Edited bySara Getman
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Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.
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Table of contents
The average monthly cost of car insurance in Tennessee is $109, placing it at the 13th-lowest average rate in the nation.
Full-coverage car insurance increased nationally in 2024, and Tennessee drivers saw their average annual price increase to $1,700. Tennessee has a higher rate of fatal crashes than the national average and the highest number of alcohol-related traffic fatalities, according to crash data, which could explain this increase.[1] [2]
Here’s a deeper look into the average rates drivers in Tennessee pay, including how these rates depend on age, gender, driving record, ZIP code, type of car, and additional coverages.
Quick Facts
Tennesseans pay much lower rates than the national average of $151.
The average cost of minimum-coverage car insurance in Tennessee is $72, and the average cost of full-coverage car insurance is $147.
Drivers in Memphis pay the highest average monthly rates, at $155.
How much is car insurance in Tennessee?
The average monthly cost of car insurance in Tennessee is $109, but car insurance rates vary depending on your policy type.
Drivers who choose the minimum coverage that state law requires — liability-only car insurance — pay $72 per month, totaling about $859 per year. If you want higher protection than the minimum requirements or additional coverage options, such as comprehensive and collision, you’ll pay an average annual amount of $1,767, or $147 per month.
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How Tennessee car insurance rates have changed over the past two years
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To find car insurance rates in Tennessee and the U.S. over the last two years, download our data here.
The average price for full-coverage car insurance in Tennessee rose to $1,700 in 2024, up significantly over rates from just a few years ago. Full-coverage rates also rose nationally, though they remain more expensive than in Tennessee.
See how Tennessee car insurance prices have changed over the past two years below.
Average Tennessee Car Insurance Rates Over the Past Two Years
Rates in this chart are two-year rolling medians in order to manage extreme market volatility seen over the past few years. Rates on the rest of the page reflect one-year rolling medians in order to prioritize the freshest data available.
Average Tennessee car insurance rates by city
Never assume that the average car insurance rate in Tennessee is exactly what you’ll pay. Two drivers with the same minimum liability coverage living in two different ZIP codes, even within the same city, likely pay different car insurance rates based on their address.
The rates of vehicle accidents, uninsured motorists, theft, and vandalism all influence rates.[3] For instance, the FBI reports that motor vehicle theft rates are substantially lower in Kingsport than in Memphis. And you can see below that average annual insurance rates in Kingsport are lower than average annual insurance rates in Memphis.[4]
The table below shows how rates fluctuate based on where you live in Tennessee.
The below rates are estimated rates current as of: Thursday, March 13 at 12:00 PM PDT.
City  | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| Kingsport | $63 | $115 |
| Cleveland | $69 | $134 |
| Jackson | $71 | $153 |
| Knoxville | $72 | $144 |
| Chattanooga | $74 | $156 |
| Clarksville | $74 | $162 |
| Franklin | $74 | $148 |
| Murfreesboro | $75 | $154 |
| Nashville | $80 | $171 |
| Memphis | $102 | $209 |
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.
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Read More: Car Insurance Requirements in Tennessee
Average Tennessee car insurance rates by age and gender
Gender is one of the many factors car insurance companies use to determine rates. Women statistically have fewer at-fault fender benders, DUIs, and serious property damage and bodily injury accidents than men. In Tennessee, women pay an average of $107 per month, while men pay a slightly higher monthly rate of $112.
Age also influences car insurance rates. Drivers younger than 25 pay the most for insurance since they have less experience on the road. In 2024 alone, over 1,000 more drivers younger than 25 were involved in crashes across Tennessee than drivers between the ages of 25 and 34.[5]
Rates improve as you get older, but at around age 70, older drivers may see their rates increase due to reduced faculties.
The tables below show how rates fluctuate by age and gender.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $151 | $320 |
| 18 | $132 | $278 |
| 20 | $99 | $209 |
| 25 | $87 | $185 |
| 30 | $75 | $161 |
| 40 | $66 | $141 |
| 50 | $57 | $120 |
| 60 | $53 | $112 |
| 70+ | $56 | $119 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Age | Average Monthly Liability-Only Quote | Average Monthly Full-Coverage Quote |
|---|---|---|
| 16 | $147 | $311 |
| 18 | $128 | $270 |
| 20 | $96 | $203 |
| 25 | $85 | $180 |
| 30 | $73 | $156 |
| 40 | $64 | $137 |
| 50 | $55 | $117 |
| 60 | $51 | $109 |
| 70+ | $54 | $116 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average cost to insure popular vehicles in Tennessee
Your car’s age, make, and model affect your insurance costs. Cars less than one year old cost more to insure because their values are higher than older cars. It’s an important factor to consider before buying a vehicle.
Insurance companies assess car information, injury safety ratings, and accident repair costs to determine rates for specific vehicles. Tennessee car owners purchase more American-made cars — like GMC, Ford, and Chevrolet — than the national average. Toyota and Honda are often considered reliable brands. Comparatively, the Chevrolet Silverado 1500 and Ford F-150 Series Pickup have high national theft rates.
The table below shows average monthly car insurance quotes for five of the most popular vehicles in Tennessee.
Vehicle | Average Monthly Quote |
|---|---|
| Ford F-Series | $149 |
| Chevrolet Silverado | $158 |
| Honda CR-V | $133 |
| GMC Sierra | $159 |
| Toyota RAV4 | $145 |
How your driving record affects car insurance rates in Tennessee
Your driving record is an important factor when insurance companies determine rates. If you have an incident on your record, insurers believe you’re likely to have a repeat offense and submit a claim.
Accidents that cause bodily injury or property damage will increase your average annual premiums. Consequences from risky driving behaviors, such as speeding tickets or DUI arrests, will also increase average annual premiums.
Tennessee drivers with poor records pay anywhere from $168 per month with an accident to $190 per month with a DUI. But drivers with a clean record pay $112 per month, on average.
The table below compares the rates of drivers with clean records to those of drivers with incidents on their records.
Driver Record | Average Monthly Quote | % Increase Compared to Good Drivers |
|---|---|---|
| With accident | $168 | 50% |
| With speeding ticket | $161 | 44% |
| With DUI | $190 | 70% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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Your credit history affects your car insurance rates. Car insurance companies use a credit-based insurance score to determine your likelihood of filing a claim. Drivers with excellent credit are less likely to file a claim than drivers with poor credit.
Tennessee allows credit-based insurance scores, which is why the monthly average rate for full-coverage policies for drivers with poor credit is $173, while drivers with the same policies but excellent credit pay a monthly average rate of only $139.
Credit TierAverage Monthly Liability-Only QuoteAverage Monthly Full-Coverage QuoteExcellent $65 $139 Good $68 $145 Fair $69 $146 Poor $81 $173 Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How to lower your insurance costs in Tennessee
Along with maintaining good credit and comparing car insurance costs before you purchase a car, you can use these strategies to find cheap car insurance policies that meet your minimum liability, comprehensive, and collision needs.
Shop around
A highly saturated car insurance industry benefits drivers. While State Farm, Tennessee Farmers, and Progressive are some of the most popular options in the state, you could find a more competitive rate by comparing rates from at least three different companies.
Lower your coverage limits
If you pay off your loan or have an older car, it may be worthwhile to only carry Tennessee’s minimum liability limits. Reducing optional coverages, like uninsured motorist, comprehensive, collision, and medical payments coverage, can help minimize your car insurance premiums.
Raise your deductible
A deductible is the amount of money you’ll pay out of pocket when you submit a claim before your insurance kicks in. A lower deductible can save you money if you submit a claim, but you’ll have more expensive premiums. With a higher deductible, you’ll have to pay more out of pocket after a claim, but you’ll have a cheaper monthly rate.
Bundle multiple insurance products together
Bundling multiple policies with your car insurance, such as life, homeowners, renters, or pet insurance, can reduce overall expenses. Bundling is a common discount, so make sure to check or talk to an agent before securing your car insurance.
Ask about car insurance discounts
Car insurance companies offer an array of other discounts that could help you pay for your car insurance. For example, they may offer discounts for remaining accident-free, taking a driver education course, or maintaining a low average annual mileage.
Tennessee average car insurance cost FAQs
Finding affordable car insurance in Tennessee doesn’t have to be difficult. Check out the answers to these frequently asked questions about Tennessee’s average car insurance costs and how to find cheap rates.
What is the average annual cost of car insurance in Tennessee?
The average annual cost of car insurance in Tennessee is $1,313, though that number changes when you consider factors like coverage level, ZIP code, and driving history.
What is the cheapest car insurance company in Tennessee?
State Farm, USAA, and GEICO have the cheapest average rates in Tennessee, with State Farm offering liability insurance policies for $21 per month, on average.
Each insurance company weighs rating factors differently, so it’s important to get multiple quotes to find the cheapest one.
How much is car insurance per month in Tennessee?
Tennesseans pay $109 per month for car insurance on average. For a liability coverage policy in Tennessee, drivers pay an average of $72. The average monthly rate for a full-coverage policy, which includes comprehensive and collision, is $147.
What are the best auto insurance companies in Tennessee?
The best auto insurance company in Tennessee is unique to each driver. Alfa Insurance may be a good place to start because of its top J.D. Power customer satisfaction score. Other drivers might find Erie or Travelers good choices for SR-22 filings and rideshare needs.
What are the car insurance requirements in Tennessee?
Tennessee law requires that all drivers maintain a minimum amount of liability coverage. Drivers must carry the state minimum of $20,000 in bodily injury coverage per person, $50,000 in bodily injury coverage per accident, and $25,000 in property damage liability coverage per accident.[6]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Sources
- Iihs.org. "State by state."
- NHTSA. "State Alcohol-Impaired-Driving Estimates."
- III. "What determines the price of an auto insurance policy?."
- Fbi.gov. "FBI — Tennessee."
- Tennessee Department of Safety and Homeland Security. "Traffic Crashes by Year, Driver Age Groups and County."
- Tn.gov. "Why You Should Have Insurance."
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Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Nick has been a contributor at Insurify since October 2022.
Sara Getman is an Associate Editor at Insurify and has been with the company since 2022. Prior to joining Insurify, Sara completed her undergraduate degree in English Literature at Simmons University in Boston. At Simmons, she was the Editor-in-Chief for Sidelines Magazine (a literary and art publication), and wrote creative non-fiction.
Outside of work, Sara is an avid reader, and loves rock climbing, yoga, and crocheting.