If you are looking for auto insurance in Tennessee, knowing how much it will cost is a promising idea. The average premium for car insurance in Tennessee is $1,370 per year or $114 per month. While the national average is $1,682. There is a difference of $312 less between the national average and the state average.

If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.

Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Tennessee, and car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.

Average car insurance cost in Tennessee per month

In Tennessee, the average premium for car insurance is $114 per month.

The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Tennessee, it is a promising idea to get quotes from many firms.

As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Tennessee is USAA. The average annual cost is $955 while the average cost per month is $80. The second-best option available is, GEICO Advantage Ins Co, offering insurance at an average per month cost of $81.

The table below lists the other available car insurance companies which offer car insurance in Tennessee, along with their average cost per month and average annual cost.

Company nameAverage per month costAverage annual cost
GEICO Advantage Ins Co$81$968
Auto-Owners Ins Co$90$1,077
Nationwide Ins Co of Am$90$1,078
State Farm Mutl Automobile Ins$99$1,187
Travelers Property Cas Ins Co$100$1,204
Farmers Ins Exchange$109$1,311
Erie Ins Exchange$112$1,342
Metropolitan Casualty Ins Co$162$1,941
Allstate P&C Ins Co$164$1,966

Read our guide to best car insurance companies of 2022

Average cost of car insurance by coverage levels in Tennessee

The amount of coverage you purchase has an impact on how much car insurance costs in Tennessee. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.

Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Tennessee is $452.

When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Tennessee is $1,370 per year.

For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Tennessee, the average annual cost for non-owner state minimum liability only is $303.

And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $372 per year in Tennessee.

Coverage limitsAverage annual cost
50/100/50 Liability Only$452
100/300/100 Liability with $500 Comp/Coll Deductible$1,370
Non-Owner State Minimum Liability Only$303
State Minimum Liability Only$372

Average car insurance cost in Tennessee by City

Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.

The table below depicts the top popular cities in Tennessee:

CityAverage annual cost
Johnson City$1,131

Average car insurance cost in Tennessee by age of the driver

Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Tennessee is $2,655 while for seniors is $1,372. Here, the rate for young drivers is $1,283 more than the rate for senior drivers.

According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.

Average car insurance cost in Tennessee for young drivers

The average car insurance cost for female young drivers in Tennessee is $2,467 per year or $205 per month and rate for a male young driver is $2,844 per year or $237 per month.

The average annual rates for young male and female drivers are listed in the table below:

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers

Average car insurance cost in Tennessee for senior drivers

In Tennessee, the cost of car insurance for senior female driver is $1,348 per year or $112 per month and cost of car insurance for male senior driver is $1,396 per year or $116 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers

Read more about senior car insurance

Summary of average car insurance cost in Tennessee
Average annual cost
Average per month cost
Average cost for state minimum coverage
$372 / Year
Cheapest car insurance company
($955/ Year)
Average cost for young drivers
$2,655 / Year
Average cost for Senior drivers
$1,372 / Year
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