Average Car Insurance Cost in Tennessee (2024)

If you live in Tennessee, you can expect to spend an average of $115 on car insurance per month, which is less than the national average of $153 per month. Factors like your ZIP code, traffic patterns, and crime rates can all affect the rate you pay for car insurance.^[1]

To help you better understand the average cost of car insurance in Tennessee, this guide will show you the factors that can affect your rates.

What’s the average cost of car insurance in Tennessee?

The price you pay for car insurance in Tennessee depends on the type of car insurance policy you choose. A full-coverage policy will cost more than a liability-only policy. The state’s average monthly rate for a full-coverage policy is $157, whereas liability insurance costs $73.

The insurance company you choose to work with also affects your insurance costs.

The following table provides a look at how much a handful of Tennessee auto insurance companies charge, on average, for each policy type.

How Tennessee car insurance rates have changed over the past two years

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 by city

Car insurance rates vary a lot by state, but they can also fluctuate substantially by each city within a state. This is because drivers in different cities have different exposures to things like auto theft, cost of living, and traffic patterns that can affect insurance costs.

For example, the city of Kingsport has rates almost 60% cheaper than Memphis, a city known for its high crime rates.^[2]

This table provides more insight into how car insurance rates can vary on a city level.

Average Tennessee car insurance rates by age

Your age can significantly affect your car insurance rates as well. Young drivers — especially those younger than 25 — often face higher premiums due to their limited driving experience and higher likelihood of accidents. That means teen drivers can expect higher rates.

As drivers gain more experience and reach middle age, rates tend to decrease. However, in later years — usually around age 70 — rates rise again due to increased accident risks associated with the aging process.

This table shows the average car insurance rates, by age, in Tennessee.

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How gender affects car insurance rates in Tennessee

Your gender can influence your car insurance rates as well. This is due to statistical risk assessment by insurance companies.

Historically, young male drivers have higher serious accident rates and a higher likelihood of incidents like DUIs. This leads to higher premiums.

This table compares the average rates based on gender and age in Tennessee.

How your driving record affects car insurance rates in Tennessee

Insurance companies assess your record to gauge your risk as a driver. 

A clean record with no accidents or traffic violations (like at-fault accidents, DUIs, and speeding tickets) generally results in the lowest rates, as it demonstrates responsible driving behavior. But a history of accidents or other traffic violations can lead to higher insurance costs, as it indicates a higher risk of future claims.

This table shows how your driving record can affect your rates in Tennessee.

Average Tennessee car insurance rates by marital status

Unfortunately for single people, being married can lower your car insurance rates. This is because insurance companies consider married policyholders to be more stable and statistically less likely to engage in risky driving behaviors. They also believe that married drivers are more responsible, which translates to fewer insurance claims.

Below is a table illustrating the average cost of car insurance in Tennessee based on marital status.

Average Tennessee car insurance rates by credit tier

Your credit history can also significantly influence your car insurance rates. Auto insurers can use information from your credit report to generate a credit-based insurance score that they use as a factor in determining premiums. Research suggests a correlation between your credit and the likelihood of filing insurance claims.

Good credit can lead to lower premiums, while poor credit may result in higher rates. Not all states allow the use of credit history to determine insurance premiums, but most do, including Tennessee.^[3]

The table illustrates how the average car insurance rates in Tennessee can vary by credit.

Tennessee car insurance FAQs