3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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If you’re in the market for car insurance in Tennessee, State Farm, USAA, and GEICO offer the most competitive rates depending on your situation.
On average, a full-coverage auto policy in Tennessee costs $175 per month, while a liability-only policy costs $78 per month. This is lower than the national averages of $213 for full coverage and $104 for liability coverage.
Your rate will ultimately depend on your driving record, age, claim history, chosen coverage, insurer, and more. Here’s what you should know about finding coverage that works for you in Tennessee.
Quick Facts
Tennessee drivers can secure cheap coverage through State Farm, with rates as low as $22 for liability-only car insurance and $46 for full coverage.
Tennessee drivers pay a yearly average of $2,098 for full-coverage insurance.
Drivers in Tennessee must carry at least a minimum amount of bodily injury and property damage liability insurance.
3 of the cheapest car insurance companies in Tennessee
Whether you want the cheapest rates, affordable coverage for your teens, or short-term coverage, you can find the most affordable car insurers for your situation.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.5
$116
$54
Cheap rates
Hugo
3.3
$54
$48
Short-term coverage
National General
3.1
$177
$79
Teen drivers
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.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
855
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.
$22/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.
$46/mo
A well-established fixture in the car insurance industry, State Farm sells a number of insurance products — including auto insurance — in all 50 states. The company offers some of the cheapest liability and full-coverage rates in Tennessee.
Pros
AM Best financial strength rating of A++ (Superior), the highest level possible
Above-average J.D. Power customer satisfaction ratings across the nation[1]
Don't speed. One violation increases the policy by 300 for a 6-month term. Two violations cause it to go up by another 400.
Don't speed. One violation increases the policy by 300 for a 6-month term. Two violations cause it to go up by another 400.
Gernita - April 14, 2024
Verified
Overwhelmed
The price for car insurance is high!
Bernice - April 14, 2024
Verified
My experience with State Farm was frustrating. Some of their agents were very rude. However, Kayla was the best agent; she went out of her way to help and search for all available discounts. With others, it felt like you were bothering them. The last agent, a gentleman, was very rude and not helpful at all.
My experience with State Farm was frustrating. Some of their agents were very rude. However, Kayla was the best agent; she went out of her way to help and search for all available discounts. With others, it felt like you were bothering them. The last agent, a gentleman, was very rude and not helpful at all.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
Not rated
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
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
Whether you’re renting or borrowing a vehicle — or in between insurance policies — Hugo offers flexible and affordable options for temporary car insurance. Coverage options range between three days and six months, and you can choose the flexible plan to turn your coverage on and off to only pay for coverage when you drive.
Hugo gradually increases prices like other insurance companies
I was initially fond of Hugo. However, over the past year, they have increased their rates by almost $1 per day, which amounts to $30 per month. This increase happened despite no changes on my end, except for turning 35, an age I thought would result in a decrease in my rates.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829
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.
$73/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.
$169/mo
Young drivers typically pay expensive rates on their insurance policy due to a lack of driving experience. An Allstate company, National General offers the cheapest coverage for teenage drivers in Tennessee. The company offers a range of auto coverage options and discounts, as well as home and flood insurance products.
Don't ever expect automatic withdrawal to go smoothly. They tried to take my money out of my account earlier than the due payment date and then charged me extra for insufficient funds.
Ramona - April 3, 2024
Verified
Very bad customer service - I wonder what would happen if someone put in a claim?
The customer service is bad. My rates have gone up by approximately $29 and no one informed me about the increase. Also, no proof of insurance was sent out when it expired. I am currently searching for a better price and customer service.
How to get the cheapest car insurance in Tennessee
Several factors can increase your risk profile and insurance premiums, including your age, gender, driving history, credit record, and chosen coverage. But by following these steps, you can still find the cheapest car insurance in Tennessee without compromising quality of coverage.
Shop around. The Insurance Information Institute recommends gathering three quotes from various insurance companies. You want to ensure you compare the same policy types for the most accurate comparison.[2]
Increase your deductible. A higher deductible usually means lower monthly premiums. But “a high deductible plan may be unsuitable if you have a total loss and need funds to help purchase a new car,” says Kevin Walters, director of communications at the Tennessee Department of Commerce & Insurance.
Take advantage of discounts. Maintaining a clean driving record, bundling policies, and having safety features on your car can qualify you for various discounts to help you save money on your policy.
Find Cheap Car Insurance in Tennessee
Liability rates start at $22 per month
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Based on 3,806+ reviews
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Cheapest liability-only car insurance in Tennessee: State Farm
Liability-only coverage will pay for the other driver’s medical expenses and property damage if you cause a car accident. While liability-only insurance is the most affordable option, it doesn’t cover your medical expenses or vehicle damage.[3]
Liability insurance in Tennessee costs $78 per month, on average. Find the cheapest companies in Tennessee for liability coverage below.
The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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.
Cheapest full-coverage car insurance in Tennessee: State Farm
If you’re looking for more than liability insurance, you should consider a full-coverage policy. This policy includes liability, comprehensive, and collision coverage, protecting you and the other party in an accident. With collision coverage, your insurer pays for repairs to your vehicle, even if you’re at fault in an accident. Comprehensive coverage covers losses and damages from non-collision incidents, like theft or natural disaster.
If you drive frequently, have a loan or lease on your vehicle, or live in a high-risk area, you should purchase a full-coverage policy. You ’ll have to pay a deductible before receiving coverage for collision or comprehensive claims.
Tennessee drivers pay a monthly average of $175 for full-coverage insurance. A number of insurers in Tennessee offer affordable full-coverage insurance rates, including the following:
The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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.
Car insurance requirements in Tennessee
Tennessee adheres to the tort system, meaning you’re financially responsible for any damages or injuries resulting from an accident you cause. To drive legally in Tennessee, you must carry the minimum coverage required by law:[4]
Bodily injury liability
$25,000 per person
$50,000 per accident
Property damage liability
$25,000 per accident
While not required in Tennessee, additional auto insurance coverage can provide more financial protection in an at-fault accident. To ensure you have enough protection, consider the following optional coverages:
Collision coverage
Collision insurance covers damage from collisions you have with a vehicle or another object, such as a tree or light pole, regardless of fault.If you have a loan or lease on your car, your lender may require you to purchase collision coverage.
Comprehensive coverage
If a non-collision incident causes vehicle damage, comprehensive insurance kicks in. This includes damage from fire, theft, falling objects, and natural disasters.
Uninsured/underinsured motorist coverage
If you’re in an accident where the at-fault person doesn’t have enough or any coverage, uninsured/underinsured motorist coverage steps in to cover the gaps and pay for your medical expenses and vehicle repairs. UM/UIM also covers damage to your car from a hit-and-run accident.
Medical payments coverage
In the event of an accident, medical payments coverage pays for your medical expenses from resulting injury, up to your coverage limit.
Cheapest car insurance for drivers with an incident
If you’re a driver in Tennessee with a history of at-fault accidents, speeding tickets, DUIs, or other moving violations, you’ll typically receive increased insurance premiums.[5]
If you have a spotty record, insurers see you as a higher risk for future incidents than drivers with clean records. The likelihood of you having another moving violation increases, making you more liable to the insurer.
Find Cheap Car Insurance in Tennessee
Monthly rates start at $27 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
A speeding ticket may not seem like a huge deal, but it can have consequences, including points on your driving record, fines, and premium increases for several years. The average monthly cost for a driver in Tennessee who has a speeding ticket on their record is $246.
If you have a speeding ticket on your record, these insurance companies offer the most affordable coverage.
The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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.
Cheapest car insurance for drivers with an at-fault accident: State Farm
At-fault accidents can cause your policy premiums to increase significantly, depending on the accident’s severity. Accidents can stay on your record for up to five years and keep your insurance rates high. For example, Tennessee drivers who have had an accident pay an average of $257 per month.
Fortunately, some companies offer accident forgiveness programs to help prevent rate increases after your first at-fault accident, and many insurance companies still provide competitive rates. Find the cheapest average monthly quotes in Tennessee below.
The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI is a severe offense with major legal and financial consequences. If you have one, Tennessee will usually require your insurer to file an SR-22 form to show that you have the necessary insurance to operate a vehicle.
This offense can result in a substantial increase in your rates for several years. In Tennessee, a DUI stays on your record permanently and you won’t be able to get it expunged. Tennessee drivers with a DUI pay an overall average of $292 per month for coverage.
You can work to lower your costs by shopping for the most affordable auto insurance company. To begin your search, consider the following insurers that offer competitive rates for drivers with a DUI on their record. Keep in mind, though, that you may need to go with a high-risk insurer if you can’t obtain coverage through the standard market.
The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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.
Cheapest car insurance for seniors: State Farm
As you enter your 70s, age-related conditions may start to pose a hazard to you and other drivers on the road. Insurers may see your age as a risk factor for more accidents, and increase your insurance premiums.
Senior drivers in Tennessee pay a monthly average of $55 for liability-only policies and $122 for full coverage. To counteract the slight price increase, you can shop for an insurer that offers budget-friendly rates for senior drivers.
The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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.
Cheapest car insurance for teens: State Farm
Teenagers pay the highest auto insurance costs, which don’t start to drop significantly until drivers turn 25. Young drivers typically have less experience on the road, which presents an increased hazard to themselves and others. Liability-only car insurance and full coverage for Tennessee teens average $127 and $285 per month.
To save money on coverage for your teenager, you can keep them on your insurance policy, have them drive a safe car, and take advantage of a good student discount. You can also compare quotes to see which insurance companies offer the best rates for teen drivers, starting with the insurers below.
The below rates are estimated rates current as of: Monday, April 1 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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.
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.
Tennessee car insurance FAQs
Finding affordable car insurance that meets your coverage needs can feel overwhelming, especially if you’re a high-risk driver. The information below should help you navigate the process of finding coverage in Tennessee.
How much is car insurance in Tennessee?
On average, Tennessee drivers pay $175 per month for full-coverage insurance and $78 per month for liability coverage. Your rate depends on your driving history, credit record, age, location in the state, chosen coverage, and more.
Which company has the cheapest car insurance in Tennessee?
State Farm has the cheapest car insurance in Tennessee, with monthly liability rates as low as $22. USAA and GEICO also offer affordable coverage, with respective monthly liability rates of $26 and $29.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Tennessee?
The best car insurance companies in Tennessee include State Farm, GEICO, and USAA. Hugo, an on-demand insurer, offers the best coverage for drivers looking for temporary coverage. With an IQ Score of 4.5, solid financial strength ratings, and quality coverage, State Farm is your best option for coverage in Tennessee.
Is insurance cheaper in Tennessee?
Nationwide, drivers pay an average of $213 per month for full coverage and $104 for liability, so Tennessee residents benefit from slightly lower rates. Tennessee drivers pay $78 per month for liability insurance and $175 per month for full coverage.
Is Tennessee a no-pay, no-play state?
No. Tennessee is not a no-pay, no-play state. This means the state has laws that limit your right to sue for damages after an accident if you were driving uninsured when the accident occurred. The state operates under an at-fault system that requires drivers responsible for an accident to cover the costs of medical expenses and vehicle damage they cause the other party.
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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Mark FriedlanderDirector, Corporate Communications
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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