Tennessee Average Cost of Car Insurance Rates (2023)

How Much Does Car Insurance Cost In Tennessee?

On average, car insurance rates for drivers in Tennessee are $181 per month, and $2177 per year. The average rates make Tennessee the 33rd most expensive state in the country for car insurance rates and -23% less expensive than the national average.

Keep in mind that average auto insurance costs are determined by factors other than location. Based on your driving history, credit score, age and marital status you should be able to find insurance quotes and discounts so that your monthly payment is less than the averages cited here.

Insurify's comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than the average price in your state, and customers save $48 per month on average.

Best Tennessee Auto Insurance Rates

Insurify analyzed car insurance rates in the twenty most populous cities in Tennessee and has selected the following providers and quotes as the best rates for drivers in Tennessee.

Tennessee Car Insurance Rates by City

For drivers in Tennessee, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Based on internal Insurify data, here are the average cost of car insurance rates for drivers in the top 10 cities in Tennessee.

What Is the Average Cost of Car Insurance in Tennessee by Age?

In Tennessee, a working high schooler should be able to pay the car insurance bill between homework and extracurriculars and still have a little spending money, with teenage drivers paying an average of $310 per month. Young adults in their 20s watch the price drop by $100 as they augment their experience on the road.

Finally, those drivers in their 30s, 40s, and 50s see prices below the state average. As drivers retire, they see some of the lowest average rates in the Volunteer State. Then, the price pops back up as hair gets grayer, but the rates still beat those of the youngest drivers.

What Is the Average Cost of Car Insurance in Tennessee by Gender?

Men pay three percent more than women for car insurance in Tennessee, which amounts to an average difference of $6 per month.

Does Marital Status Influence the Average Cost of Car Insurance in Tennessee?

Is your romantic interest "the one"? Here’s an incentive for you to answer "yes." In Tennessee, married folks save $24 per month over their single counterparts.

Financial experts and economists say that marriage leads to higher average net worth and greater financial stability. At $288 a year of average savings in car insurance costs, there's probably some truth to those words.

Minimum Car Insurance Requirements in Tennessee

All motor vehicles operated or parked on Tennessee roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Tennessee^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Tennessee is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

How Does Credit History Affect Tennessee Car Insurance Rates?

Tennessee, like most states, allows insurance companies to use credit as a rating factor.

Why do Tennesseeans with poor credit pay less than those with average or good credit? Drivers with better credit often finance more expensive vehicles or set higher coverage limits. You can still save an average of $20 a month when you raise your credit score above 800 and land in the excellent credit category.

What Is the Average Cost of Car Insurance in Tennessee for High-Risk Drivers?

"Safety first" is not just a mantra that saves lives. It also saves money. Common sense tells us that the safest drivers will pay the least, and safe drivers qualify for "good driver" and "accident-free" discounts. But what if your record is less than perfect?

Drivers with a speeding ticket in Tennessee will pay $21 more per month on average—plus fines. Drivers with an at-fault accident on their insurance record should expect to see monthly rates increase by around $31. Accidents happen, but driving safely and keeping a clean record are the best ways to avoid rate hikes. Remember, violations and accidents will stay on your insurance history for years to come. Still, you can still take a defensive driver course to reduce your monthly payment.

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies