Cheap Full-Coverage Car Insurance in Tennessee (2026)
Tennessee drivers can find the cheapest full-coverage car insurance from Mile Auto, with rates of $75 per month.
Secure. Free. Easy-to-use.
4.7 / 517K reviews
)
Written bySarah Sharkey
)
Sarah SharkeyInsurance Writer
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Edited byMacKenzie Korris
)
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
)
Reviewed byKatie Powers
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
){kind=small}
){kind=small}
Updated
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Quick Facts
Tennessee drivers pay an average of $132 per month for full-coverage car insurance.
Tennessee drivers pay less than the national average of $187 per month for full coverage.
Mile Auto, Progressive and State Farm have the cheapest full-coverage car insurance rates for Tennessee drivers.
Cheapest full-coverage car insurance in Tennessee
The average cost of car insurance in Tennessee is $1,587 per year for full coverage. Mile Auto offers the cheapest full-coverage rates to Tennessee drivers, averaging $75 per month.
The table below highlights the cheapest full-coverage car insurance options in Tennessee.
The below rates in Tennessee are estimated rates current as of: Monday, August 10 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Full Coverage |
|---|---|
| Mile Auto | $75 |
| Progressive | $75 |
| State Farm | $76 |
| Sun Coast | $78 |
| USAA | $90 |
| Direct Auto | $95 |
| GEICO | $104 |
| Auto-Owners | $105 |
| National General | $105 |
| Travelers | $105 |
| Allstate | $106 |
| Safeco | $109 |
| AssuranceAmerica | $112 |
| Erie | $112 |
| Certainly | $122 |
| Trexis | $124 |
| Root | $133 |
| Elephant | $143 |
| Liberty Mutual | $148 |
| GAINSCO | $149 |
| The General | $150 |
| Trexis One | $150 |
| Farmers | $151 |
| Mendota | $151 |
| Freedom National | $157 |
| Bristol West | $163 |
| First Acceptance | $175 |
| Dairyland | $197 |
| Chubb | $217 |
| State Auto | $290 |
Disclaimer: Table data sourced from real-time Tennessee car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Tennessee may vary based on the policy buyer's unique driver profile.
Find Cheap Car Insurance in Tennessee
Full-coverage quotes start at $75/mo.
Excellent
4.7 out of 5 based on 16,841 reviews
Secure. Free. Easy-to-use.
How much is full-coverage insurance in Tennessee?
Tennessee drivers pay an average of $132 per month for full-coverage car insurance. That’s significantly lower than the national average of $187. But it’s important to note that your premiums may be higher or lower depending on your situation.
Your age, ZIP code, and the insurance company you choose to work with can all play a role in your costs. For example, incidents on your driving record, like at-fault accidents, driving under the influence (DUI) convictions, and speeding tickets, may also affect your costs. Likewise, living in a more populated city like Chattanooga may lead to higher costs than in a smaller city like Bristol since there’s a higher risk of accidents.[1]
Expert’s insight
“Full coverage is more expensive than just the state minimum, but it can provide important financial safeguards. Liability insurance doesn’t cover someone stealing your car, if you cause an accident, or if you hit an animal. Consider if you could pay out-of-pocket to completely replace your car or repair major damage. If not, it’s worth looking into full coverage”
){kind=small}
Austin MoyersLicensed P&C Insurance Agent and Sales Manager
How to find cheap full-coverage car insurance in Tennessee
If you want to find cheap auto insurance in Tennessee, the following tips might help.
Shop around. Comparing rates across multiple car insurance companies is the best way to lower your car insurance costs.
Raise your deductible. Generally, raising your deductible leads to lower premiums. If you can afford a higher deductible out of pocket, the savings may be worth it.
Bundle your insurance policies. Most drivers need additional insurance policies, like home, renters, life, or business insurance. Bundling policies through the same insurer could lead to savings.
Look for discounts. Many insurers offer car insurance discounts. For example, you might qualify for a multiple vehicle discount, a good student discount, or a good driver discount.
What full-coverage car insurance covers
Full-coverage car insurance is an umbrella that encompasses several types of coverage. Here’s a look at what to expect in a full-coverage policy:
Collision coverage
If you’re in a car accident, collision coverage helps pay to repair or replace your own vehicle, even if you’re at fault.
Comprehensive coverage
If something other than a collision damages your vehicle, like a fire, theft, or natural disaster, comprehensive coverage can help pay to repair or replace it.
Liability coverage
As a baseline, liability coverage can help you pay to repair or replace another driver’s vehicle after you cause damage to it. While you could opt for the state-mandated minimum coverage limits, many full-coverage policies include more robust liability limits.
Unless you specifically add it, a full-coverage policy may not include uninsured motorist coverage, roadside assistance, or medical payments coverage.
Tennessee law requires drivers to carry a minimum amount of liability insurance to legally drive in the Volunteer State. Here’s a look at what you’ll need:[2]
Property damage liability coverage: Drivers must carry at least $25,000 for property damage per accident. This helps pay for damage you cause to another driver’s vehicle.
Bodily injury liability coverage: Drivers must carry at least $25,000 for bodily injury coverage per person and $50,000 per accident. This helps pay for medical expenses other parties incur as a result of the accident.
Having this basic level of Tennessee auto insurance coverage means you can legally drive in the state. But it’s often a good idea to buy more protection than the minimum liability limits.
Minimum vs. full-coverage car insurance in Tennessee
If you want to drive legally in Tennessee, a minimum-coverage liability policy is enough. But for most drivers, this minimum amount of coverage doesn’t offer enough financial protection. In an at-fault accident, liability doesn’t cover any damage to your car. The Tennessee Department of Revenue recommends full coverage because it provides more of a financial safety net to help you get back on the road after an incident.
In general, drivers who may not be able to repair or replace their own vehicle after a major accident may benefit from a full-coverage policy. And for drivers who financed or leased a vehicle, the lender may require you to carry a full-coverage policy until you’ve paid off the loan.
The table below explores the differences between these two policy options.[3]
Factor | Liability Only | Full Coverage |
|---|---|---|
| Average cost in Tennessee | $60 | $132 |
| Covers damage to your own car? | No | Yes |
| Covers damage to other car? | Yes | No |
| Required by law? | Yes | No |
| Required by the lender? | N/A | Sometimes |
Disclaimer: Table data is based on real-time Tennessee quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Shop for Cheap Tennessee Insurance
Save up to $1,100 per year on coverage
Excellent
4.7 out of 5 based on 16,841 reviews
Secure. Free. Easy-to-use.
Is full-coverage car insurance worth it in Tennessee?
If you can’t afford to repair or replace your car after major damage, full-coverage car insurance may be worth the cost.
For example, let’s say that you damage your vehicle in an accident that you cause, or a large tree limb falls on it. In either case, you’d be on your own to cover the repair or replacement costs without a full-coverage policy. But if you have a full-coverage policy, your insurer will help you pay for the necessary steps to get you back on the road.
Alternatively, a full-coverage policy might not be worth it if you have an older vehicle with a low value — or if you have enough cash on hand to replace or repair your vehicle without major financial strain.
Pros and cons of full-coverage car insurance in Tennessee
Pros
More robust protection
Helps if someone steals your vehicle
Provides peace of mind
Cons
More expensive
Not always worth it for older vehicles
Still must pay your deductible
Full-coverage car insurance in Tennessee FAQs
If you still have questions about full-coverage car insurance in Tennessee, the following answers may help.
What’s the average cost of full-coverage car insurance in Tennessee?
On average, drivers in Tennessee pay $132 per month for full-coverage policies.
What company has the cheapest full-coverage car insurance in Tennessee?
State Farm tends to offer the cheapest car insurance in Tennessee. Other affordable options include Sun Coast and Mile Auto.
What’s the best auto insurance company in Tennessee?
State Farm, Travelers, GEICO, Erie Insurance, and Allstate offer some of the best car insurance options to Tennessee drivers.
How much is car insurance in Knoxville, TN?
Knoxville drivers pay an average of $94 per month for car insurance, averaging $60 per month for liability-only coverage and $128 per month for full-coverage policies.
Sources
- U.S. Census. "Chattanooga city, Tennessee; Bristol city, Tennessee."
- Tennessee Department of Revenue. "Financial Responsibility Law."
- Tennessee Department of Revenue. "Drive Insured TN."
Methodology
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:
- 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
- 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.
Related articles
)
Best Car Insurance in Tennessee
State Farm, Travelers, and GEICO are among the best car insurance companies in Tennessee.
)
Tennessee Car Insurance Requirements in 2026
Tennessee drivers must carry liability insurance with minimum coverage limits of $25,000 per person and $50,000 per accident for bodily injury, plus $25,000 per accident for property damage.
)
Cheap SR-22 Insurance in Tennessee
State Farm is the cheapest insurer for Tennessee drivers who need to file an SR-22 form.
)
Average Car Insurance Cost in Tennessee
Drivers in Tennessee pay an average of $96 per month for car insurance.
)
Tennessee Car Insurance Laws
Tennessee drivers need to have proof of financial responsibility, carrying at least 25/50/25 liability insurance. Driving without insurance can lead to fines, registration suspension, or even criminal charges.
)
Temporary Car Insurance in Tennessee: What Your Short-Term Options Really Are
Temporary car insurance policies aren’t available in Tennessee. Insurify Car is a flexible alternative that lets you pay for coverage in seven-day installments.
Cheapest Car Insurance Quotes in Tennessee
State Farm is the cheapest insurer in Tennessee, with liability policies averaging $36 per month. Mile Auto has the lowest full-coverage car insurance, at an average of $75 per month.
)
How Does Car Insurance Work?
Car insurance protects you financially in the event of an accident. Read on to learn the different types of coverages and important terms to know when shopping for car insurance.
)
Cheapest Auto Insurance in Chattanooga, Tennessee
Sun Coast offers the cheapest car insurance in Chattanooga, with minimum-coverage policies as low as $36 per month.
)
Cheap Car Insurance Quotes in Clarksville (August 2026)
Sun Coast offers the cheapest car insurance in Clarksville, with liability premiums averaging $39 per month. The history of extreme weather in Northern Tennessee, including tornadoes and flooding, may affect average car insurance rates in Clarksville.
)
Cheapest Auto Insurance in Cleveland, Tennessee
State Farm offers the cheapest car insurance in Cleveland, with minimum-coverage policies as low as $34 per month.
)
Cheapest Auto Insurance in Franklin, Tennessee
Sun Coast offers the cheapest car insurance in Franklin, with a liability quote of $35 per month.
)
Cheap Car Insurance Quotes in Jackson, Tennessee (August 2026)
State Farm offers the cheapest car insurance in Jackson, TN, averaging $37 per month for minimum coverage. Jackson’s lower cost of living and wages, which are far below the national average, may influence car insurance costs in the Hub City.
)
Cheapest Auto Insurance in Kingsport, Tennessee
Sun Coast offers the cheapest car insurance in Kingsport, with minimum-coverage policies as low as $30 per month.
)
Cheap Car Insurance Quotes in Knoxville (August 2026)
The cheapest car insurance company in Knoxville is State Farm, with an average monthly rate of $35 for liability insurance. Due to lighter truck traffic and shorter commute times, premiums in the city are lower than in other major Tennessee metros like Chattanooga.
)
Cheap Car Insurance Quotes in Memphis, Tennessee (August 2026)
State Farm offers the lowest-cost auto insurance in Memphis, charging an average of $54 per month for liability-only coverage. Memphis’ central location and strong transport network also mean lots of traffic congestion and vehicle theft, which drives insurance rates up for everyone.
)
Cheapest Auto Insurance in Murfreesboro, Tennessee
Sun Coast offers the cheapest car insurance in Murfreesboro, with minimum-coverage policies as low as $39 per month.
)
Cheapest Car Insurance Quotes in Nashville (August 2026)
Nashville’s heavy downtown congestion and high vehicle theft rate can drive up car insurance costs. You may find the lowest quotes from Sun Coast, with liability rates of $44 per month.
)
Sarah SharkeyInsurance Writer
7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
Featured in
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in