Cheapest Auto Insurance in Knoxville, Tennessee (2024)

State Farm offers the cheapest car insurance in Knoxville, with minimum-coverage policies as low as $21 per month.

Jacqueline DeMarco
Jacqueline DeMarco
  • 13+ years writing insurance and personal finance content

  • Insurance, lending, and retirement expert

Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.

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Katie Powers
Edited byKatie Powers
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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.

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Updated June 12, 2024

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Cheapest recent rates near Knoxville, Tennessee

Drivers using Insurify have found quotes as cheap as $22/mo for liability only and $38/mo for full coverage in Knoxville and other Tennessee cities.

*Quotes generated for Insurify users in and around Knoxville, Tennessee within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Knoxville, Tennessee within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

In Knoxville, the overall average cost of car insurance is $124. What you’ll actually spend depends on a wide variety of factors unique to you. But despite the tourist destination’s popularity, it has relatively cheap average premiums compared to the national overall average of $160 per month and the state average of $130 per month.

Here’s what you need to know about comparing quotes and finding the right car insurance policy at an affordable price in Knoxville.

Quick Facts
  • The average cost of car insurance in Knoxville is $76 per month for liability coverage and $76 per month for full coverage.

  • Drivers with DUIs in Knoxville pay an average of $128 per month for liability coverage.

  • State Farm is the cheapest full-coverage car insurance company in Knoxville, with rates starting at $42 per month.

3 of the cheapest car insurance companies in Knoxville

When you’re looking for a new auto insurance policy, you likely have the cost of coverage on your mind. The cheapest available policy won’t always work best for your needs since some insurers cater to specific driver categories or circumstances.

Consider the following affordable insurers in Knoxville.

Insurance CompanyIQ 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 CoverageLiability OnlyBest For
State Farm4.6$44$22Affordable rates
Allstate4.4$81$40Liability coverage
GEICO4.4$57$28Drivers with a DUI
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.
  • 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.

Best insurer for affordable rates: State Farm

Compare personalized, real-time quotes
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.
4.6
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.
$21/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.
$42/mo

State Farm insurance offerings help safeguard against accidents and damages. The company also offers uninsured and underinsured motorist coverage, as well as medical payments coverage for medical expenses incurred in accidents.

Pros
  • Mobile app makes for convenient account management 

  • Other types of insurance bundling discounts available

Cons
  • Some negative Better Business Bureau (BBB) customer reviews

  • Gap insurance not available

Read our State Farm review
Ray - June 11, 2024
Verified

Took months to get an adjuster for my water leak in the house

Find someone else.

George - June 11, 2024
Verified

Thinking about Switching

Shop around, the prices could be better.

Lawrence - June 11, 2024
Verified

Feels Like Someone's Watching Me, I'm Not Switching

Where did you get the idea that I was switching? That's untrue. I'm in good standing with my current insurance company.

Best insurer for liability coverage: Allstate

Compare personalized, real-time quotes
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.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
833
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.
$38/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

Founded by Sears department store executives in 1931, Allstate offers auto, home, motorcycle, ATV, renters, condo, and term life insurance. Operating in all 50 states, the company has superior ratings from A.M. Best for financial strength and credit. However, Allstate has many negative reviews on consumer websites, and a slightly higher-than-average complaint rating in the National Association of Insurance Commissioners Consumer Complaint Index. Allstate offers many discounts, including for good students, multiple policies, bundling auto and home insurance, new vehicles, safe driving, and good payment history.

Pros
  • Well-established with superior ratings from A.M. Best

  • Pay-per-mile option available

Cons
  • Low customer satisfaction

  • Rates are merely average compared to other insurers

Read our Allstate review
Bruce - June 11, 2024
Verified

Rates have steadily increased without any claims

I had Allstate for 2 years with no claims, yet the premium increased by 40%. It was too expensive. I got the same coverage from Travelers for much less.

Joe - June 11, 2024
Verified

Comments on Allstate

The coverage is good, but it's pricey.

Sergio - June 10, 2024
Verified

Disappointed

They increased the rates without any reason. It started at 145 and a year later it was 240, with no tickets or accidents.

Best insurer for drivers with a DUI: GEICO

Compare personalized, real-time quotes
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.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
843
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.
$27/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.
$54/mo

A well-known insurer selling coverage in all 50 states, GEICO provides standard coverage options, as well as insurance add-ons. The company earned an AM Best financial strength rating of A++ (Superior), indicating an ability to successfully pay claims.

Pros
  • Advertises 16 available discounts

  • Offers SR-22 insurance

Cons
  • Gap insurance not available

  • Limited local agent availability

Read our GEICO review
Jacqueline - June 11, 2024
Verified

Horrible

I am very upset that my policy increased from 242 to 329. I am 62 years old and I believe I should not be paying that much for a car that will be paid off next month.

Frank - June 11, 2024
Verified

Geico is My Winner

So far, Geico has offered the best price for insurance.

Addis - June 11, 2024
Verified

High Premium

High premium.

How to get the cheapest car insurance in Knoxville

When it comes to finding cheap car insurance rates in Knoxville, several factors generally come into play. Take note of these tips to help you secure affordable coverage:

  • Keep a clean record. Maintain a clean driving record by obeying traffic laws and avoiding accidents and violations.

  • Choose a high deductible. Consider opting for a higher deductible, as this can lower your premium. But ensure you have enough savings to cover the deductible amount if you need to file a claim.

  • Ask about multi-policy discounts. Bundle your car insurance with other policies, such as homeowners or renters insurance, to qualify for multi-policy discounts.

  • Look into other discounts. Ask about available discounts for safety features in your vehicle, such as anti-lock brakes and passive restraint systems.

  • Shop around. Compare quotes from different insurance companies to find the best rate for your specific needs.

Compare Knoxville Car Insurance Rates

Liability rates start at $21/mo.

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Cheapest liability-only car insurance in Knoxville: State Farm

Liability-only car insurance provides coverage for injuries and damages you cause others, but it doesn’t cover damages to your own vehicle. This insurance includes bodily injury liability, which pays for medical expenses and legal costs related to injuries suffered by others, as well as property damage liability, which covers repairs or replacement of damaged property.[1]

Knoxville drivers pay an average of $76 per month for liability coverage. Here are the cheapest liability insurance companies in Knoxville.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm21
USAA25
GEICO27
Travelers28
Auto-Owners29
Erie31
Mile Auto37
Allstate38
Farmers41
Nationwide51
Safeco52
Progressive55
Chubb59
Midvale Home & Auto65
Dairyland69
National General69
State Auto78
Elephant81
Liberty Mutual84
Direct Auto85
GAINSCO98
The General114
Bristol West136
Foremost149
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 Knoxville: State Farm

The difference between liability-only and full-coverage car insurance lies in the scope of coverage provided. While liability-only insurance covers damages and injuries caused to others, full-coverage insurance extends protection to your own vehicle as well.

With collision and comprehensive coverage, full-coverage insurance covers vehicle repairs following collisions and non-collision incidents, like theft, vandalism, and natural disasters. You should consider full-coverage car insurance if you have a new or high-value vehicle.

Knoxville drivers pay an average of $171 per month for full coverage. Here are the cheapest liability insurance companies in Knoxville.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm42
USAA50
GEICO54
Auto-Owners57
Travelers57
Erie61
Mile Auto65
Allstate76
Farmers83
Safeco96
Nationwide102
Progressive112
Chubb119
Midvale Home & Auto121
Elephant129
State Auto154
Liberty Mutual156
National General157
Direct Auto196
The General196
Dairyland198
GAINSCO262
Foremost282
Bristol West335
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.

Recent Insurify quotes for Knoxville, Tennessee drivers

Recent Knoxville, Tennessee car insurance prices for Jeep, Toyota, Hyundai , and more.

*Quotes generated for Insurify users in and around Knoxville, Tennessee within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Knoxville, Tennessee within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Tennessee

Mandated by Tennessee’s Financial Responsibility Law, drivers in the state must prove financial accountability in the event of a car accident. Most drivers need to purchase auto liability insurance coverage unless they qualify for an exemption.

Failure to meet the minimum-coverage requirements for bodily injury and property damage liability results in fines and the potential loss of vehicle registration.[2]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$25,000

When acquiring liability coverage, you typically have the opportunity to add optional coverages, such as:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers the cost of car damage in the event of a collision, even if you caused the accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance protects against theft and damages resulting from non-collision incidents, like fire, flood, vandalism, hail, and falling objects.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Glass coverage

    You can benefit from no-deductible coverage for windshields, side windows, rear windows, and glass sunroofs. Companies may also offer additional options for glass coverage.

Cheapest car insurance for drivers with an incident

Certain driving-related incidents can have an effect on your auto insurance rates. These incidents include at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations.[3]

“Having a major infraction on your record, such as a DUI or reckless driving, could prohibit you from obtaining insurance with a standard auto insurer and cause you to pay rates that are more than double the average driver,” says Mark Friedlander, director of corporate communications at the Insurance Information Institute.

You should understand how your driving record can affect the price you pay for your auto insurance policy.

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Cheapest car insurance for drivers with a speeding ticket: State Farm

If you get a speeding ticket, you should prepare for the potential increase in your car insurance costs — drivers in Knoxville pay an average of $108 per month for liability coverage if they having a speeding ticket on their record. Insurance companies generally view speeding violations as a sign of increased risk, which leads to higher premiums.

The table below shows average rates for drivers with a speeding ticket compared to those for drivers with a clean record.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm2127
USAA2532
GEICO2735
Travelers2837
Auto-Owners2938
Erie3141
Mile Auto3751
Allstate3849
Farmers4153
Nationwide5167
Safeco5268
Progressive5571
Chubb5977
Midvale Home & Auto6587
Dairyland6990
National General6987
State Auto78110
Elephant81116
Liberty Mutual84120
Direct Auto85111
GAINSCO98140
The General114149
Bristol West136175
Foremost149213
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

If you cause an accident, you should understand how it’ll affect your car insurance costs. Insurance companies generally consider at-fault accidents as a sign of higher risk and potential claims, so you’ll pay a higher premium.

Knoxville drivers pay an average of $113 per month for liability coverage with an at-fault accident on their record. Here are the cheapest insurers in the city.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm2128
USAA2534
GEICO2737
Travelers2838
Auto-Owners2939
Erie3143
Mile Auto3755
Allstate3852
Farmers4156
Nationwide5170
Safeco5269
Progressive5576
Chubb5981
Midvale Home & Auto6594
Dairyland6994
National General6994
State Auto78117
Elephant81108
Liberty Mutual84125
Direct Auto85118
GAINSCO98129
The General114158
Bristol West136183
Foremost149221
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

Insurance costs can significantly increase if you receive a DUI on your driving record. Insurance companies view DUIs as a major red flag that indicates a higher likelihood of accidents and claims. If you’ve received a DUI conviction, expect a significant increase in your car insurance premiums.

Knoxville drivers pay an average of $128 per month for liability coverage with a DUI on their record. Here are the cheapest insurers in the city.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm2135
USAA2542
GEICO2746
Travelers2847
Auto-Owners2949
Erie3152
Mile Auto3757
Allstate3864
Farmers4169
Nationwide5186
Safeco5288
Progressive5593
Chubb5999
Midvale Home & Auto65110
Dairyland69116
National General69116
State Auto78132
Elephant81137
Liberty Mutual84142
Direct Auto85143
GAINSCO98165
The General114192
Bristol West136229
Foremost149251
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

Your age is a significant determinant of your car insurance rates. Around age 35, rates generally decrease, as drivers become more experienced. But around age 70, insurance premiums increase slightly due to factors like potential health issues and increased accident risks.

Senior drivers in Knoxville pay an average of $53 per month for liability coverage and $119 per month for full coverage. Here are the cheapest car insurance companies for senior drivers in Knoxville.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm1530
USAA1837
GEICO2039
Travelers2041
Auto-Owners2141
Erie2141
Mile Auto2645
Allstate2856
Farmers2959
Nationwide3570
Progressive3673
Safeco3971
Chubb4080
Midvale Home & Auto4584
Dairyland51145
National General51115
State Auto55109
Elephant5993
Direct Auto60139
Liberty Mutual61114
GAINSCO74198
The General86148
Bristol West100246
Foremost107202
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.

Cheapest car insurance for teens: State Farm

Car insurance for teenagers costs much more than premiums for older drivers due to a lack of driving experience and increased risk factors. Teen drivers in Knoxville pay an average of $125 per month for liability coverage and $281 per month for full coverage.

To obtain cheap car insurance as a teen, you can consider staying on a parent’s insurance policy, as this often earns you more favorable rates.

Additionally, selecting a safe and reliable car with good safety features can help lower insurance costs. Taking advantage of a good student discount by maintaining good grades can further contribute to obtaining affordable insurance.[4]

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
State Farm3468
GEICO4081
USAA4079
Auto-Owners4894
Travelers4898
Erie5098
Allstate64127
Farmers69140
Mile Auto69121
Nationwide83166
Progressive95194
Chubb104210
Safeco104192
Midvale Home & Auto108201
Dairyland110316
National General125283
Elephant127203
State Auto132261
Direct Auto148342
Liberty Mutual149277
GAINSCO167447
The General176302
Bristol West221544
Foremost253478
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.

Find Car Insurance in Knoxville, TN

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Knoxville car insurance quotes by credit tier

If you live in Tennessee, car insurance companies may assess your credit history when determining the cost of premiums. Having an excellent or good credit score can help secure lower insurance rates, while a poor credit score may lead to higher premiums.

To get an idea of how credit tiers affect average monthly insurance quotes in Knoxville, refer to the chart below.

Rates by Credit Tier

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.

Is car insurance more expensive in Knoxville?

Where you live, down to your ZIP code, has a significant effect on car insurance rates. If you live in Tennessee, you may pay lower premiums compared to drivers in other states, with an overall monthly average rate of $130. Knoxville drivers pay an overall average monthly rate of $124, which falls below the overall national average of $160 per month.

Car insurance rates can also vary within the same state on a city level, influenced by factors like crime rates, accident frequency, and weather conditions.

More cities in Tennessee

For full-coverage insurance, Knoxville drivers pay an average of $171 per month, which is lower than some other cities in Tennessee.

CityFull CoverageLiability Only
Chattanooga$170$83
Clarksville$200$88
Cleveland$156$71
Franklin$156$76
Kingsport$135$64
Memphis$244$115
Nashville$206$90
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.

Knoxville car insurance FAQs

Finding the right car insurance for you can feel stressful. The information below should help you navigate the process.

  • How much is car insurance in Knoxville?

    The average cost of car insurance in Knoxville is $76 per month for liability coverage and $171 per month for full coverage.

  • Which company has the cheapest car insurance in Knoxville?

    State Farm, USAA, and GEICO are the cheapest liability insurers in Knoxville, with rates starting at $21, $25, and $27 per month, respectively.

    The best way to find the cheapest coverage for you is by comparing multiple quotes online at once. This process helps you compare coverage side by side while considering cost.

  • What are the best car insurance companies in Knoxville?

    The best car insurance company in Knoxville is State Farm, due to a high Insurify Quality Score, an AM Best financial strength rating of A++ (Superior), and affordable coverage.

    USAA and GEICO are great runner-up, reliable choices for car insurance in Knoxville. And if you’re looking for temporary coverage, Hugo is your best option.

  • How much car insurance do you need in Tennessee?

    The minimum car insurance in Tennessee includes $25,000 per person and $50,000 per accident for bodily injury liability and $25,000 per person for property damage liability. Failing to obtain this coverage can result in fines and other legal penalties.

  • Is Tennessee a no-fault state?

    No. Tennessee is an at-fault state, which means the driver who causes an accident is financially responsible for damages and injury they cause to others.

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.

Sources

  1. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  2. Tennessee Department of Revenue. "Why You Should Have Auto Insurance."
  3. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  4. Insurance Information Institute. "How to save money on car insurance."
Jacqueline DeMarco
Jacqueline DeMarco

During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.

Katie Powers
Edited byKatie PowersAuto and Life Insurance Editor
Photo of an Insurify author
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.

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