Updated
Best car insurance companies in Tennessee
Insurify analyzed 120+ car insurance companies to determine the best car insurance companies in Tennessee. The analysis considered price, ratings, available discounts, industry reports, and customer service reviews to rank the best Tennessee car insurance companies for different needs.
Below are our top five car insurance companies for drivers in Tennessee.
State Farm: Best overall
| 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. | $35/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 | 4.4 | 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 offers some of the cheapest rates in Tennessee while also scoring above average for its claims handling, making it a great value for drivers.[1] It also offers competitive rates for teen drivers and drivers with a ticket, accident, or DUI on their driving record.
Although it scored one point below the regional average for the Southeast in the J.D. Power 2025 U.S. Auto Insurance Study, overall, State Farm receives far fewer complaints than expected for an insurer of its size.
Competitive rates for many types of drivers
Highly rated for claims handling
Discounts for teen drivers and drivers older than 55
Slightly below average rating for customer satisfaction
Doesn’t offer gap coverage
Must purchase policies through an agent
Progressive: Best for drivers on a budget
| 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 offers some of the lowest full-coverage car insurance rates in Tennessee, providing affordable coverage for drivers in the Volunteer State who are on a budget. The average Progressive customer earns seven discounts, which offer savings for safe driving, bundling policies, paying in full, and many more, including student-focused and usage-based insurance savings.
16 available discounts
Many add-ons, including loan/lease payoff, rideshare coverage, and pet injury coverage
Bundling home and auto may save up to 25%
Scored below J.D. Power study average for overall customer satisfaction in the region
Also scored below J.D. Power study average for claims satisfaction
Snapshot telematics app could raise your rates for poor driving
GEICO: Best for teen drivers
| 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. | $105/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 | 3.9 | 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.
About 7% of Tennessee drivers are teenagers, but 11.3% of the nearly 30,000 auto crashes in the state from 2019 to 2023 involved teenagers.[2]
Families who want affordable protection for their newly licensed young drivers may find several discount options available at GEICO, including a good student discount and a discount of up to 15% for enrolling in the DriveEasy mobile app. If the app shows your teen maintaining safe driving habits, you could earn another 15% in discounts.
Ranked third for overall customer satisfaction in the Southeast
Superior AM Best rating indicates strong ability to pay out claims
Optional coverage for mechanical breakdowns, emergency road service, and custom vehicle parts
No gap coverage
Minimal in-person or agent support
Below average score for claims satisfaction
USAA: Best for military families
| User Reviews | 4.9 |
|---|---|
| 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. | 9.1 /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. | $42/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. | $90/mo |
USAA's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.9 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.9 | 2.9 |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Tennessee has the 14th largest veteran population in the U.S.[3] Military families here can find consistently low rates and military-focused coverage with USAA. USAA policies are exclusively for eligible military members, veterans, and their families. Discounts could help you save during deployment or for garaging your vehicle on base.
Top J.D. Power customer satisfaction scores
Discounts and coverage options tailored to military needs
Usage-based programs can save up to 20%
Coverage available only to military members and their families
No 24/7 customer service
Support options are digital-focused
Erie: Best after a claim
| 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.
Good customer service is especially welcome when you’ve been in an accident and need to file a claim. Erie Insurance received one of the top scores in the Southeast in J.D. Power’s overall customer satisfaction ranking. It also received the top score for claims satisfaction in the J.D. Power U.S. Auto Claims Satisfaction study.
Erie receives only half the complaints you’d expect for an insurer of its size, according to National Association of Insurance Commissioners complaint trend data. And its Rate Lock feature can help prevent your rate from going up after a claim.
Top scores for customer satisfaction
Overall highest rated for claims satisfaction
Rate Lock helps avoid rate hikes due to filing a claim
Average rates are higher than some other insurers
Coverage is not available in as many states as many other larger insurers
Claims must be handled through an agent
How we chose the best car insurance companies in Tennessee
Our editorial team analyzed regional and national auto insurance companies that sell policies in Tennessee to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.
Average cost of car insurance in Tennessee
The average cost of car insurance in Tennessee is $96 per month, which is lower than the national average of $143. Drivers in Tennessee pay an average of $132 per month for full-coverage car insurance and $60 for liability-only coverage.
Car insurance prices stayed flat in Tennessee for the first half of 2026. By the end of the year, annual average rates in Tennessee are expected to rise by just $6, according to Insurify’s 2026 midyear car insurance report.
Tennessee’s average car insurance rates are lower than in every other neighboring state except for North Carolina. Part of the reason for Tennessee’s relative affordability is that most of the state is rural and low-density, with exceptions for metro areas such as Nashville and Knoxville.
Another reason is the state’s comparatively low minimum car insurance requirements, with limits of 25/50/25. This means drivers are responsible for carrying coverage that meets or exceeds $25,000 in bodily injury liability per person, $50,000 per accident, and $25,000 in property damage liability.[4]
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How to get the best car insurance in Tennessee
Use the following tips to find the best car insurance company for your needs. Keep in mind that your rates will vary based on age, gender, ZIP code, and insurance credit score.
Figure out how much coverage you need
Tennessee drivers need liability coverage limits of at least 25/50/25, according to state law. Higher coverage limits, such as 100/300/100, could provide greater protection after an accident, especially if you own a home or other assets. If you lease or finance your vehicle, you’ll likely need to add collision and comprehensive coverage to your policy to create “full coverage.” These coverages help pay to repair or replace your vehicle after it’s been damaged.
Consider your risk from uninsured drivers
The uninsured motorist rate in Tennessee is among the nation’s highest, at over 20%.[5] To protect yourself after an accident with an uninsured or underinsured driver, consider purchasing uninsured/underinsured motorist (UM/UIM) coverage. Drivers aren’t required to carry UM/UIM coverage in Tennessee, but insurance companies are required by law to make it available to you.
Shop before your coverage expires
Beginning July 1, 2027, the fee for lapsed car insurance rises from $25 to $500, and the fee for failing to address the lapse rises from $100 to $1,000.[6] Under this change, a new fee of $1,500 will apply for more than one lapse or unconfirmed status in a three-year period. The update also adds a proof-of-insurance requirement for vehicle registration.
Compare rates from several insurers
If your car insurance rates are too expensive, shop around at your next renewal. Drivers in Tennessee can often find lower rates for the same coverage by comparing quotes from several insurers. You could find significant savings compared to your current insurer, especially if you’re adding a new driver.
Best car insurance in Tennessee FAQs
Here are answers to several of the most common questions about Tennessee auto insurance.
What insurance company has the lowest car insurance rates in Tennessee?
Overall, State Farm has the lowest average car insurance rates in Tennessee, at $35 per month.
What is the average car insurance cost in Tennessee?
On average, car insurance in Tennessee costs $96 per month. Liability-only coverage averages $60, while full coverage averages $132. Your rate will vary based on your ZIP code, driving record, age, gender, driving history, deductible selection, and other factors.
Why is Tennessee car insurance so high?
Tennessee is among the most affordable states for car insurance. But rates in the state have risen, in part because cars are more expensive to repair and replace now. The average new car costs $49,855, according to Kelley Blue Book.
Another reason for higher costs in Tennessee is the state’s high rate of uninsured motorists, which tops 20%, according to a report from the Insurance Information Institute.
Is car insurance cheaper in Tennessee or Florida?
Car insurance is much cheaper in Tennessee compared to Florida. The average monthly rate for car insurance is $96 in Tennessee but $189 in Florida. Florida’s rates are much higher due to increased congestion and a greater risk of severe storm damage from hurricanes and other weather risks.
Sources
- J.D. Power. "Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, JD Power Finds."
- Tennessee Department of Safety and Homeland Security. "TN Crash StaƟsƟcs Involving Teen Drivers Aged 14-18 CY 2019-2023."
- U.S. Department of Veterans Affairs. "Distribution of Veterans by County (FY2023)."
- Tennessee Department of Revenue. "Financial Responsibility Law."
- Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
- Tennessee Department of Revenue. "Updates to Vehicle Financial Responsibility Requirements."
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