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5+ years experience in personal finance writing
Personal finance blogger
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
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Updated
Discount Type | Maximum Advertised Savings |
|---|---|
| Multi-policy | 25% |
| Multi-vehicle | 30% |
| Continuous insurance | 11% |
| Anti-lock braking system discount | 5% |
| Vehicle safety savings | Varies |
| Anti-theft device | Varies |
| Passive restraint | 40% on medical coverage |
| Hybrid/electric car | Varies |
| New car | Varies |
| Driver’s education | 9% |
| Defensive driving course | Varies |
| 55+ mature driver course | 10% |
| Affinity | 5% |
| Military | 14% |
| Deployed driver | 25% |
| Low mileage | 20% |
| Customer loyalty | Varies |
| Safe driver discount | 33% |
| Usage-based insurance | 30% |
| Teen driver | Varies |
| Good grades | 20% |
| Distant student | Varies |
| Homeownership | 30% |
| Online quote | 7% |
| Sign up online | 10% |
| Early shopper | Varies |
| Paperless | 12% |
| Paid in full | 12% |
| Auto pay | 12% |
| Responsible payer | Varies |
| Welcome back | 7% |
| Stored vehicle | 60% |
| Shared family car | Varies |
Looking at pricing and discounts can help you find the best car insurance in Tennessee. But it’s also important to consider customer satisfaction ratings and agent availability. Below are our top picks.
| 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.
GEICO lists several discounts on its Tennessee car insurance page, like savings for bundling multiple policies and paying in full. It also offers a military discount to service members, including those who are deployed overseas or stationed at Arnold Air Force Base. Tennessee drivers can enroll in DriveEasy, which tracks driving habits and rewards safe driving.
High J.D. Power customer satisfaction rating in the Southeast
Safe driver discount only requires three years of accident-free driving
Discount of up to 10% for completing a Tennessee driving course
May find cheaper premiums in Tennessee from competitors
Local agents limited to five Tennessee cities
No gap insurance for the 29% of Tennessee drivers who finance their vehicles
| 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.
Tennessee drivers can get a discount just for enrolling in Snapshot with Progressive. If you demonstrate safe driving habits, you can save even more. Progressive also offers several discounts for young drivers, including a teen driver, distant student, and good student discount. These savings could offset the $190 monthly average that teens pay for car insurance in Tennessee.
Some of the cheapest full-coverage rates in Tennessee
Local agents available across Tennessee
Explains Tennessee coverage requirements and discounts on its website
Below-average J.D. Power customer satisfaction rating in the Southeast
May find cheaper liability coverage in Tennessee from other insurers
No safety features discount listed on Tennessee car insurance page
| 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 has agents across nearly 150 Tennessee cities, including Nashville and Knoxville, as well as smaller towns like Rutledge and Wartburg. Its Tennessee discount page lists savings for good driving, multiple lines, and vehicle safety. You can also qualify for a multi-car discount if you’re one of the 10% of Tennesseans who own more than one vehicle.
Some of the cheapest liability coverage in Tennessee
One of Tennessee’s largest insurers as of 2024
Local agents available across Tennessee
Below-average J.D. Power customer satisfaction rating in the Southeast
May find cheaper full-coverage rates elsewhere in Tennessee
No accident forgiveness, which may be necessary in metro areas like Memphis
Tennessee car insurance discounts vary by insurer because each uses different criteria to determine pricing. Below are the largest savings we could find in Tennessee.
Discount Type | Potential Savings | Eligibility Criteria | Tennessee Insurer With Largest Discount |
|---|---|---|---|
| Stored vehicle | Up to 60% | Vehicle must be stored and not driven; relevant to TN’s 45k-plus active-duty, National Guard, and reserve members if deployed | USAA |
| Safe driver | Up to 33% | No accidents in 3–5 years; 95% of TN drivers don’t have an accident on their record | Progressive |
| Homeownership | Up to 30% | Must own the home where the insured vehicle is parked; about 67% of homes are owner-occupied in TN | Direct Auto |
| Usage-based insurance | Up to 30% | Must enroll in telematics program; may help the 5% of TN drivers with a speeding ticket lower rates | State Farm |
| Deployed driver | Up to 25% | Must be active-duty military member deployed overseas | GEICO |
| Low-mileage | Up to 20% | Must drive less than a set number of miles each year; TN average is 9,788 — the third highest in the U.S. | USAA |
The stored-vehicle discount of up to 60% for deployed drivers from USAA is the largest opportunity to save in Tennessee. Risk goes down significantly for insurers when a vehicle isn’t on the road, and that can translate to huge rate savings.
The next-largest is a safe driver discount for keeping a clean driving record. Progressive offers the highest savings potential for Tennessee drivers, with the average driver saving 33% after three years of accident-free driving. Insurers may also require no violations, like driving under the influence (DUI) convictions or tickets, during that time.
Liability policies average $60/mo.
Tennessee insurers offer several car insurance discounts that are easy to qualify for. For example, you can receive a discount for paying your policy bills on time or having safety features on your vehicle.
For senior drivers, Tennessee mandates a three-year premium reduction for drivers 55 and older who complete an accident prevention course.[1] The following table outlines some of the easiest discounts to receive in Tennessee:
Discount | Potential Savings | How to Qualify |
|---|---|---|
| Multi-policy | Up to 25% | Bundle auto with home or renters insurance from the same insurer |
| Continuous insurance | Up to 11% | Maintain 25/50/25 coverage for six months with your current insurer before switching |
| Paperless | Up to 12% | Receive your bill and other documents electronically |
| Auto pay | Up to 12% | Sign up for automatic payments |
| Mature driver discount (55+) | Up to 10% | Complete an accident prevention course for a Tennessee-mandated premium reduction |
Tennessee drivers can use the tips below to help maximize discounts and save as much as possible on car insurance:
Ask your current insurer about discounts. Before shopping elsewhere, check whether your insurer offers a loyalty discount. Also, see if your insurer has a Tennessee-specific car insurance page — companies like State Farm and GEICO list discounts specific to Tennessee drivers.
Shop around. Compare quotes from several insurers rather than simply choosing the insurer with the most discounts. An insurer that only offers a few discounts may still have the lowest price. Tennessee has 2,116 licensed insurers across all lines, so you have a lot of options.[2]
Time your shopping with your driving record. Violations can stay on your Tennessee motor vehicle record (MVR) for three or 10 years, but insurers typically look back three to five years for safe driver discounts.[3] If violations are close to dropping off your MVR, waiting to switch insurers could mean bigger discounts.
Stack discounts. You can combine multiple discounts to save even more. For example, you might get a discount for bundling auto and homeowners insurance and a reduced premium from Tennessee’s mandatory mature driver discount.
Most discounts apply automatically during the quote process. Others require you to ask the insurer directly or provide proof. Below are the typical steps for applying discounts to your policy in Tennessee, though they can vary by insurer.
Get accurate quotes. When you fill out your application, discounts like multi-policy, multi-vehicle, and paperless billing usually apply automatically.
Submit any required documentation. Tennessee’s mature-driver discount, for example, may require a completion certificate from your course provider to receive reduced car insurance premiums.
Request discounts that aren’t automatic. Some savings, like Tennessee’s right to a credit score refresh, require you to contact your insurer directly. Continuous insurance discounts may require proof of insurance from your previous insurer.
Confirm you received the discount. Once your bill arrives, check that your insurer applied the discount correctly.
Find discounts and save on your policy
The average cost of car insurance in Tennessee is $132 per month for full coverage. Liability coverage averages $60 per month, which includes bodily injury liability and property damage liability coverage to meet Tennessee’s financial responsibility law.
Tennessee car insurance costs well below the national average. Rates are also cheaper than in most of Tennessee’s neighboring states, including Kentucky, Georgia, and Alabama. Auto insurance is generally cheaper in Tennessee compared to the rest of the country due to the state’s lower cost of living and minimum car insurance requirements.
Tennessee drivers saw rate hikes beginning in 2023 due to increased speed limits and higher medical and auto repair costs. Insurance costs began to taper in the last half of 2024 and continued to trend downward through 2025. Insurify’s American Driver Report predicts a small $6 increase in the average annual premium in 2026.
The table below shows average quotes for liability and full coverage in Tennessee.
Insurance Company | Average Quote: Liability Only | Average Quote: Full Coverage |
|---|---|---|
| State Farm | $35 | $76 |
| Mile Auto | $37 | $77 |
| Sun Coast | $37 | $79 |
| Progressive | $40 | $75 |
| Direct Auto | $41 | $96 |
| Certainly | $42 | $124 |
| USAA | $42 | $90 |
| Allstate | $46 | $108 |
| AssuranceAmerica | $46 | $112 |
| Auto-Owners | $48 | $104 |
| GEICO | $48 | $105 |
| Travelers | $48 | $104 |
| The General | $49 | $152 |
| Erie | $52 | $112 |
| Trexis | $52 | $125 |
| GAINSCO | $58 | $150 |
| Safeco | $58 | $111 |
| Trexis One | $59 | $152 |
| National General | $62 | $106 |
| First Acceptance | $64 | $177 |
| Dairyland | $65 | $202 |
| Mendota | $65 | $153 |
| Farmers | $69 | $151 |
| Liberty Mutual | $71 | $149 |
| Bristol West | $73 | $164 |
| Root | $76 | $135 |
| Elephant | $77 | $145 |
| Chubb | $100 | $217 |
| State Auto | $133 | $289 |
Tennessee is home to more than 5 million licensed drivers, according to U.S. Department of Transportation data. With 2,116 licensed insurers in the state, you have plenty of options when shopping for savings. The answers below can help you better understand auto insurance discounts in the Volunteer State.
Progressive offers the cheapest full-coverage car insurance in Tennessee, at an average of $75 per month. Rates can vary depending on your driver profile, deductible, coverage limits, and add-ons like roadside assistance. Request Tennessee car insurance quotes from multiple insurers to find the best price for you.
Tennessee drivers can find discounts for bundling policies, paying in full, going paperless, enrolling in auto pay, and driving safely. Drivers 55 and older also qualify for a state-mandated discount after completing an accident prevention course.
Keeping your driving history free of at-fault accidents and violations could qualify you for a safe driver discount in Tennessee. Most insurers typically look back three to five years on your Tennessee driving record.
Insurify data scientists analyzed more than 250 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
Featured in
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
