120+ more*Quotes generated for Insurify users from Tennessee within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Tennessee within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Featured in
){kind=small}
){kind=small}
){kind=small}
)
)
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
){kind=logo}
){kind=small}
)
)
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
)
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Updated
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.
Tennessee drivers spend an average of $66 per month for liability insurance and $128 monthly for full coverage.
Tennessee’s average car insurance rates are lower than national averages, likely due to the state’s cheaper cost of living and lower rate of uninsured drivers.
Driver Category | Cheapest Insurance Company in Tennessee | Cheapest Monthly Quote in TN |
|---|---|---|
| Overall | State Farm | $46 |
| State minimum coverage | State Farm | $46 |
| Full coverage | Mile Auto | $88 |
| Drivers with a clean record | State Farm | $46 |
| After a speeding ticket | Mile Auto | $58 |
| After an at-fault accident | State Farm | $63 |
| After a DUI | Sun Coast | $66 |
| Teen/new drivers | State Farm | $94 |
| Seniors | State Farm | $36 |
| Bad credit | Mile Auto | $57 |
Tennessee laws require liability car insurance, which covers the other party’s property damage and injuries after an at-fault accident. You can find the cheapest liability coverage in Tennessee through State Farm, Mile Auto, and Sun Coast.
Here’s a look at the lowest liability-only rates for Tennessee residents.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $46 |
| Mile Auto | $46 |
| Sun Coast | $46 |
| Progressive | $51 |
| Direct Auto | $53 |
| Certainly | $53 |
| USAA | $54 |
| GEICO | $60 |
| AssuranceAmerica | $61 |
| Freedom National | $62 |
| Travelers | $63 |
| Auto-Owners | $63 |
| The General | $65 |
| Erie | $67 |
| Trexis | $67 |
| Safeco | $75 |
| Trexis One | $76 |
| GAINSCO | $78 |
| Dairyland | $79 |
| Mendota | $81 |
| National General | $84 |
| Allstate | $85 |
| First Acceptance | $86 |
| Insurify Car | $89 |
| Farmers | $91 |
| Liberty Mutual | $97 |
| Root | $99 |
| Bristol West | $99 |
| Elephant | $104 |
| Nationwide | $112 |
| Hugo | $122 |
| Chubb | $131 |
| State Auto | $175 |
)
Brett Clendenen
Sales Manager at Insurify, Insurify
Last year, Tennessee increased its fines for driving without insurance. It’s now $50 for the first violation, $250 for a second, and $500 for third and subsequent violations. Minimum liability coverage is the cheapest way to avoid paying those fines, but it’s not always enough to protect you financially. It’s a good idea to buy higher liability limits if you can afford to.
Full-coverage auto insurance usually includes liability, collision, and comprehensive coverages. It can provide additional protection behind the wheel, and you typically need it if you have a loan or lease on your vehicle.
The average cost of full coverage for Tennesseans is $128 per month, compared to $66 per month for minimum coverage.
The following table shows the cheapest full-coverage premiums for Tennessee drivers.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $88 |
| Sun Coast | $90 |
| Progressive | $96 |
| State Farm | $101 |
| Direct Auto | $119 |
| USAA | $120 |
| GEICO | $132 |
| Travelers | $138 |
| Safeco | $138 |
| Auto-Owners | $139 |
| National General | $140 |
| AssuranceAmerica | $148 |
| Erie | $148 |
| Certainly | $150 |
| Elephant | $160 |
| Trexis | $161 |
| Root | $169 |
| Trexis One | $186 |
| Allstate | $186 |
| Liberty Mutual | $189 |
| The General | $190 |
| GAINSCO | $196 |
| Mendota | $198 |
| Farmers | $201 |
| Freedom National | $210 |
| Bristol West | $218 |
| First Acceptance | $226 |
| Dairyland | $239 |
| Nationwide | $247 |
| Chubb | $289 |
| State Auto | $385 |
*Quotes generated for Insurify users from Tennessee within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Tennessee within the last 10 days. Last updated on April 7, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
If you’re looking for a flexible auto insurance policy in Tennessee, Insurify Car should be on your radar. It offers state-minimum liability car insurance coverage that you can pay for in seven-day increments, and you can get fast proof of insurance. You can put your premium on auto pay and let the policy roll over from week to week, or set a cancellation date at any time.
Insurify Car may be worthwhile if you don’t want to buy more coverage than you need and prefer to pay for your car insurance in smaller installments. Tennessee drivers may see rates as low as $14 per week with Insurify Car.
More than 1,000 companies of all sizes, from national insurers to small regional ones, have licenses to sell property insurance in Tennessee. Here’s a closer look at three of the best options for Tennessee drivers looking for cheap, good car insurance.
| 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. | 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. | $46/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 |
Drivers appreciate the initial low prices but dislike the subsequent price increases and lack of communication for policy upgrades.
Drivers appreciate the initial low prices but dislike the subsequent price increases and lack of communication for policy upgrades.
Tennessee residents on a budget can find affordable car insurance coverage through Sun Coast. The company is a wholesale insurance agency that works with multiple insurers, so it often offers the lowest rates for Tennessee drivers. It works with independent insurance agents, so you can also get knowledgeable guidance if you have coverage or policy questions.
Insures drivers with imperfect records
Some policies include 24/7 roadside assistance
Works with multiple insurance companies
Minimal advertised car insurance discounts
Limited information about Sun Coast on its website
No online reviews on Trustpilot or the Better Business Bureau (BBB) website
| 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). | A |
|---|---|
| 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. | 8.3 /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. | $53/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. | $119/mo |
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
Drivers appreciate the insurer’s helpful customer service and easy-to-use website. But they dislike the frequent and significant rate increases, especially for those with clean driving records. Some also report difficulties with roadside assistance.
Direct Auto offers some of the lowest rates for high-risk drivers in Tennessee. The company specializes in helping drivers with driving under the influence (DUI) convictions or other driving infractions find insurance. In Tennessee, you can work with one of the 70+ local agents across the Volunteer State to find the best car insurance coverage for your unique budget and needs.
Files SR-22 forms
Available 24/7 roadside assistance
Military discount of up to 25%
Not rated for customer satisfaction by J.D. Power
No gap insurance
Only 1.6 stars (out of 5) on Trustpilot
| User Reviews | 4.5 |
|---|---|
| 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. | 8.8 /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. | $46/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. | $88/mo |
Drivers appreciate the quality service but find the rates high and claim processing slow.
Drivers appreciate the quality service but find the rates high and claim processing slow.
Tennesseans 65 and older make up 17.7% of the state’s population, according to data from the U.S. Census Bureau. Seniors who don’t drive very often may find cheap premiums through Mile Auto. With Mile Auto, you pay a base rate plus a per-mile charge for each mile you drive in a month.
No tracking device required to show mileage
Offers rental car reimbursement and roadside assistance
Online quotes available
No discounts or bundling opportunities
Not rated by J.D. Power for customer satisfaction
Only add-ons available are rental car reimbursement and roadside assistance
Car insurance costs fell for many Tennessee drivers last year. By the end of 2025, the average full-coverage car insurance premium dropped more than 7%, landing at $1,498 per year, according to Insurify’s Insuring the American Driver report.
Insurify analysts project more good news for Tennesseans in 2026 — the average will edge up by about 0.7% by the end of the year.
The table below highlights car insurance rates in Tennessee over the last five years.
Tennessee’s minimum car insurance requirements are comparable to what other states require. To legally drive in Tennessee, you’ll need to buy:[1]
Liability Coverage | Tennessee Required Minimum Per Person | Tennessee Required Minimum Per Accident |
|---|---|---|
| Bodily injury liability | $25,000 | $50,000 |
| Property damage liability | N/A | $25,000 |
Keep in mind, Tennessee’s minimum required amounts haven’t changed since 2017. But a lot of costs associated with accidents have gone up drastically. Things like repair costs and medical expenses are much higher now, so the state’s minimum amounts might not be enough financial protection for everyone.
Tennessee is an at-fault state, meaning the at-fault driver is financially responsible for the damages and injuries of the accident.
Depending on your situation, you may be exempt from financial responsibility or meet the standard by:[2]
Posting a $65,000 bond with the Tennessee Department of Revenue
Making a $65,000 deposit with the Tennessee Department of Revenue
Rates start as low as $46/mo. for minimum coverage
Car insurance costs in Tennessee vary by city. For example, rates are most expensive in big cities like Memphis and Nashville, where traffic congestion is a factor. They’re cheapest in Bristol and Johnson City, which both have much smaller populations.
The following table shows overall average car insurance rates for some well-known Tennessee cities.
City | Average Monthly Quote |
|---|---|
| Chattanooga | $100 |
| Clarksville | $109 |
| Cleveland | $93 |
| Franklin | $98 |
| Jackson | $103 |
| Kingsport | $83 |
| Knoxville | $98 |
| Memphis | $149 |
| Murfreesboro | $108 |
| Nashville | $119 |
The average premium for Tennessee drivers with a clean driving history, free of serious traffic violations like speeding tickets and DUIs, is $66 per month for a minimum-coverage policy. Full coverage averages $128 monthly for Tennessee drivers with a clean driving record.
If you’re a good driver in Tennessee, here’s a look at rates you might get for being a safe driver.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $43 |
| Mile Auto | $43 |
| Sun Coast | $45 |
| Direct Auto | $49 |
| Progressive | $50 |
| USAA | $51 |
| Certainly | $51 |
| AssuranceAmerica | $52 |
| GEICO | $57 |
| Travelers | $58 |
| Auto-Owners | $59 |
| Freedom National | $60 |
| The General | $60 |
| Erie | $61 |
| Trexis | $65 |
| GAINSCO | $72 |
| Dairyland | $72 |
| National General | $74 |
| Trexis One | $74 |
| Safeco | $77 |
| Mendota | $79 |
| Allstate | $82 |
| First Acceptance | $84 |
| Farmers | $84 |
| Insurify Car | $86 |
| Bristol West | $94 |
| Root | $96 |
| Elephant | $97 |
| Liberty Mutual | $98 |
| Nationwide | $103 |
| Chubb | $117 |
| Hugo | $119 |
| State Auto | $157 |
Tennessee state law sets the maximum speed limits for interstate highways at 70 mph and 65 mph for all other public roads.[3] But municipalities and counties can set lower speed limits at their discretion. For example, a town can establish a much lower speed limit in a school zone.
Speeding in Tennessee will earn you one to eight points on your license, depending on how fast you’re driving over the speed limit. Fines vary by locality. For example, speeding in Chattanooga could result in a $119 fine.
You’ll also pay more for car insurance after getting a ticket. In Tennessee, drivers with speeding tickets pay a monthly average of $169 for full coverage and $87 for liability-only policies.
Here’s a look at the most affordable car insurance coverage for drivers with a speeding ticket in Tennessee.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $58 |
| State Farm | $60 |
| Sun Coast | $61 |
| Progressive | $68 |
| Direct Auto | $69 |
| Certainly | $70 |
| USAA | $72 |
| AssuranceAmerica | $80 |
| GEICO | $81 |
| Freedom National | $82 |
| Travelers | $84 |
| Auto-Owners | $84 |
| The General | $89 |
| Trexis | $89 |
| Erie | $91 |
| GAINSCO | $96 |
| Safeco | $101 |
| Trexis One | $101 |
| Dairyland | $101 |
| Mendota | $107 |
| National General | $108 |
| First Acceptance | $114 |
| Allstate | $114 |
| Insurify Car | $118 |
| Farmers | $120 |
| Liberty Mutual | $127 |
| Elephant | $128 |
| Bristol West | $129 |
| Root | $136 |
| Nationwide | $149 |
| Hugo | $160 |
| Chubb | $172 |
| State Auto | $239 |
Tennessee is an at-fault state, meaning if you cause an accident, your car insurance policy will cover damage to the other car and the injuries of the other driver and any passengers.
State Farm and Sun Coast offer the cheapest auto policies for Tennessee drivers with an at-fault accident.
Below is an overview of the lowest rates for Tennesseans with an at-fault accident on their record.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $63 |
| Mile Auto | $64 |
| Sun Coast | $64 |
| Progressive | $71 |
| Direct Auto | $74 |
| Certainly | $74 |
| USAA | $75 |
| GEICO | $81 |
| AssuranceAmerica | $83 |
| Auto-Owners | $86 |
| Travelers | $87 |
| Freedom National | $87 |
| The General | $92 |
| Erie | $92 |
| Trexis | $94 |
| GAINSCO | $103 |
| Trexis One | $106 |
| Safeco | $107 |
| Dairyland | $107 |
| Mendota | $113 |
| National General | $115 |
| Allstate | $117 |
| First Acceptance | $120 |
| Insurify Car | $124 |
| Farmers | $125 |
| Liberty Mutual | $132 |
| Bristol West | $134 |
| Root | $136 |
| Elephant | $140 |
| Nationwide | $155 |
| Hugo | $167 |
| Chubb | $179 |
| State Auto | $246 |
A first-time DUI conviction in the Volunteer State leads to serious consequences, including a minimum of 48 hours in jail, fines between $350 and $1,500, and a driver’s license suspension of at least 18 months.
Here are the cheapest car insurance costs for Tennessee residents with a DUI.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $67 |
| Mile Auto | $67 |
| Sun Coast | $67 |
| Progressive | $74 |
| Direct Auto | $77 |
| Certainly | $77 |
| USAA | $78 |
| GEICO | $86 |
| AssuranceAmerica | $88 |
| Freedom National | $90 |
| Travelers | $91 |
| The General | $91 |
| Auto-Owners | $91 |
| Erie | $97 |
| Trexis | $98 |
| Trexis One | $111 |
| GAINSCO | $113 |
| Dairyland | $114 |
| Safeco | $115 |
| Mendota | $118 |
| National General | $122 |
| Allstate | $123 |
| First Acceptance | $125 |
| Insurify Car | $130 |
| Farmers | $132 |
| Liberty Mutual | $141 |
| Bristol West | $143 |
| Root | $145 |
| Elephant | $151 |
| Nationwide | $162 |
| Hugo | $177 |
| Chubb | $190 |
| State Auto | $243 |
A DUI is one of multiple reasons a driver might need to file an SR-22 in Tennessee. You may also need this proof of financial responsibility if you have an unsatisfied judgment or hit and run, speed racing, or vehicular assault convictions.
You may also need an SR-22 if you’ve had two reckless violations within 12 months.[4] You’ll need to maintain this form for your entire suspension or revocation period.
The following table highlights the cheapest rates for drivers with an SR-22 in Tennessee.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $56 |
| Mile Auto | $56 |
| Sun Coast | $56 |
| Progressive | $62 |
| Direct Auto | $65 |
| Certainly | $65 |
| USAA | $66 |
| GEICO | $74 |
| AssuranceAmerica | $75 |
| Freedom National | $76 |
| Travelers | $77 |
| Auto-Owners | $77 |
| The General | $80 |
| Erie | $82 |
| Trexis | $82 |
| Safeco | $92 |
| Trexis One | $93 |
| GAINSCO | $96 |
| Dairyland | $97 |
| Mendota | $99 |
| National General | $103 |
| Allstate | $104 |
| First Acceptance | $105 |
| Insurify Car | $109 |
| Farmers | $111 |
| Liberty Mutual | $119 |
| Root | $121 |
| Bristol West | $121 |
| Elephant | $127 |
| Nationwide | $137 |
| Hugo | $149 |
| Chubb | $160 |
| State Auto | $214 |
Find insurers who’ll file an SR-22 when you need one
Teens in Tennessee can qualify for a learner’s permit at age 15 and receive their driver’s license at 16. State crash data shows that young Tennessee drivers, including teens, have the highest accident rates of any age group. In 2025, drivers 25 and younger were involved in 65,134 traffic accidents in Tennessee — the most of any age group.[5]
Teen drivers in Tennessee pay an average of $134 per month for liability-only coverage and $261 for full coverage. The following table shows the lowest premiums for teen drivers in Tennessee.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Sun Coast | $92 |
| State Farm | $94 |
| Mile Auto | $99 |
| Progressive | $102 |
| USAA | $105 |
| Certainly | $106 |
| Direct Auto | $108 |
| GEICO | $114 |
| The General | $122 |
| Freedom National | $124 |
| Erie | $130 |
| AssuranceAmerica | $132 |
| Auto-Owners | $134 |
| Trexis | $134 |
| Travelers | $137 |
| Dairyland | $144 |
| GAINSCO | $147 |
| Trexis One | $152 |
| Safeco | $159 |
| Mendota | $162 |
| First Acceptance | $172 |
| National General | $176 |
| Allstate | $176 |
| Insurify Car | $178 |
| Liberty Mutual | $179 |
| Root | $181 |
| Bristol West | $185 |
| Farmers | $190 |
| Elephant | $194 |
| Nationwide | $229 |
| Hugo | $236 |
| Chubb | $282 |
| State Auto | $442 |
Tennessee seniors had the fewest accidents of any age group in 2025, state data shows. Drivers 66 and older were involved in 33,904 crashes in Tennessee last year. The average car insurance rate for senior drivers in Tennessee is $111 per month for full coverage and $57 monthly for liability only.
This data shows the cheapest auto insurance options for senior drivers in Tennessee.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $37 |
| Mile Auto | $37 |
| Sun Coast | $41 |
| USAA | $44 |
| Direct Auto | $44 |
| Progressive | $45 |
| Certainly | $47 |
| GEICO | $48 |
| AssuranceAmerica | $49 |
| Auto-Owners | $50 |
| Travelers | $51 |
| Erie | $52 |
| Freedom National | $55 |
| The General | $56 |
| Trexis | $59 |
| Safeco | $66 |
| GAINSCO | $67 |
| National General | $67 |
| Trexis One | $67 |
| Dairyland | $68 |
| Allstate | $70 |
| Mendota | $72 |
| Farmers | $73 |
| First Acceptance | $76 |
| Insurify Car | $79 |
| Liberty Mutual | $82 |
| Root | $84 |
| Bristol West | $84 |
| Nationwide | $87 |
| Elephant | $87 |
| Chubb | $100 |
| Hugo | $107 |
| State Auto | $135 |
Tennessee allows insurance companies to consider credit information when setting your car insurance rates. But they can’t deny you coverage, cancel, or non-renew your auto insurance policy solely due to your credit. Tennesseans with bad credit pay an average car insurance premium of $83 per month for minimum coverage and $160 for full coverage.
Here are the most affordable rates for drivers with bad credit in Tennessee.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| Mile Auto | $57 |
| Sun Coast | $58 |
| Progressive | $64 |
| Direct Auto | $65 |
| USAA | $66 |
| State Farm | $66 |
| Certainly | $66 |
| GEICO | $74 |
| AssuranceAmerica | $75 |
| Travelers | $78 |
| Freedom National | $78 |
| The General | $80 |
| Trexis | $84 |
| Safeco | $93 |
| Auto-Owners | $94 |
| Trexis One | $95 |
| GAINSCO | $96 |
| Dairyland | $98 |
| Erie | $98 |
| Mendota | $101 |
| National General | $104 |
| Allstate | $105 |
| First Acceptance | $108 |
| Insurify Car | $111 |
| Farmers | $112 |
| Liberty Mutual | $116 |
| Root | $122 |
| Bristol West | $122 |
| Elephant | $129 |
| Nationwide | $138 |
| Hugo | $151 |
| Chubb | $210 |
| State Auto | $217 |
Comparing quotes through Insurify could cut your bill up to 50%
If you’re shopping for car insurance in the Volunteer State, the additional information below can help as you research your coverage options.
State Farm offers the cheapest car insurance rates in Tennessee, with liability policies averaging $46 per month. Tennessee drivers can also find affordable coverage through Mile Auto and Sun Coast.
Elephant’s rates may be cheaper for multiple reasons. It’s available in only eight states, and regional insurers tend to be cheaper than national brands. Elephant Insurance also offers a dozen discounts that it says can help drivers save up to 40% in total.
That depends. Paying $100 per month for car insurance is normal in Tennessee if you have a clean driving record and only buy liability coverage. But if you buy full coverage, $100 monthly would be better than the state average of $128 per month.
Drivers pay around $1,534 per year for full coverage in Tennessee and $787 for liability-only coverage. Those are the state’s averages, but your rate may be more or less depending on multiple factors that are unique to you, including your age, gender, where you live, and your driving habits.
Tennessee’s minimum required liability limits are $25,000 of bodily injury coverage for each person injured or killed in a crash, $50,000 bodily injury per accident, and $25,000 property damage coverage per accident. You’ll need to buy at least that level of coverage to drive legally in Tennessee.
Insurify data scientists analyzed more than 190 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.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
)
4+ years writing insurance and personal finance content
MBA from Roosevelt University
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
Featured in
Anna leverages her personal finance and insurance knowledge to create educational content that helps people make smart financial decisions.
10+ years in insurance and personal finance content
30+ years in media, PR, and content creation
Evelyn leads Insurify’s content team. She’s passionate about creating empowering content to help people transform their financial lives and make sound insurance-buying decisions.
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
)
)