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Car Insurance

Tennessee: cheapest car insurance

Whether you’re moving to Tennessee or you’re looking for a new carrier, you’ll want to compare quotes to find the best deals on auto insurance. Read our list and save on your monthly premium.

Home of Nashville, "The Music City," Tennessee is known as the country music capital of the world. The Grand Ole Opry is the longest running live radio program in the world. So whether you’re looking to move to the Volunteer State to enjoy the tunes or you’re looking for a new provider in your home state, you’ll want to compare quotes to find the best deals on car insurance. Think of all the concert tickets you could buy with the money you save on your monthly premium!

The state average for car insurance in Tennessee is $1,015/year

Even with this average you can end up spending more or less depending on where you live and which provider you choose. As with any state, costs vary greatly in Tennessee a with a range of about $494 between large scale urban cities and small suburban towns. Keep in mind that there is a correlation between urban areas and higher insurance premiums. Typically a higher population leads to more car accidents and thefts, so insurance providers raise their premiums to cover the cost of a high amount of claims. If the cost of car insurance is a deciding factor in where you make your move, then you’ll want to consult the list below.

The cheapest cities in Tennessee to insure your vehicle:

  1. Brentwood - $857

  2. Bristol - $898

  3. Kingsport - $902

  4. Johnson City - $920

  5. Gallatin - $968

  6. Cookeville - $971

  7. Smyrna - $974

  8. Red Bank - $977

  9. Murfreesboro - $979

  10. Franklin - $980

Based on the above listing, you'll be able to estimate how much your insurance will be in these and surrounding cities. The prices were gained through extensive research, by ValuePenguin, based on several driver profiles that varied in age, gender, and marital status, but drove the same vehicle. Something to be aware of when looking at these prices is that all of the drivers had great driving records as well as good credit history. So if you don’t quite fit that criteria, then it might be best to tack on a few extra dollars in order to give yourself a more accurate estimate.

While shopping around, remember that you must carry the state minimum coverage set by Tennessee that includes liability to cover other drivers’ medical and property damage expenses if you’re found at-fault in an accident. The state minimum has been set at 25/50/15 which includes: $25,000 coverage for bodily injury per person, $50,000 total coverage for bodily injury per accident, and $15,000 coverage for property damage. You might want to consider buying more than the state minimum if you’re worried you won’t be able to pay for uncovered bills out of pocket.

Start shopping with a comparison site that makes it easy to customize your coverage and earn discounts. Insurify’s intelligent, virtual agent can help assess what liability exactly fits your needs and give you the power to compare all carriers within your region to get you the best rate possible.