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The average premium for car insurance in Tennessee is $1,373 per year or $114 per month. At the same time, the national average is $1,682. There is a difference of $309 less between the national average and the state average.

Many factors affect car insurance rates, such as age group, gender, driving history, credit score, and where you live.

Read on to learn more about the average rate of full coverage, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Tennessee, and car insurance rates by age group.

Summary of average car insurance cost in Tennessee
Average annual cost
Average per month cost
Average cost for state minimum coverage
$368 / Year
Cheapest car insurance company
($966/ Year)
Average cost for young drivers
$2,256 / Year
Average cost for senior drivers
$1,316 / Year

Key Takeaways

  • The average car insurance cost in Tennessee is $1,373 per year, based on’s analysis.
  • In Tennessee, the average premium for car insurance is $114 per month.
  • USAA has the cheapest car insurance rates in Tennessee, at an average annual rate of $966 a year.

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. When looking for car insurance rates in Tennessee, get quotes from many insurers.

As per the rate analysis conducted by, the company that offers the cheapest car insurance premiums in Tennessee is USAA. The average annual cost is $966, while the average monthly cost is $81. The second-best option available is Geico, offering insurance at an average per month cost of $82.

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

Company nameAverage per month costAverage annual cost
State Farm$99$1,187
Erie Insurance$112$1,349
Farmers Insurance$136$1,637

Read our guide to the best car insurance companies.

Average cost of car insurance by coverage levels in Tennessee

The amount of coverage you purchase impacts how much car insurance costs in Tennessee. Your premium is determined by your liability limits and 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 annual cost in Tennessee is $445.

When you add more coverage to your policy, your insurance premium increases. 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 $1,373 per year.

Non-owner state minimum liability coverage is best suited for someone who does not own the car but frequently rents a car. It is like liability-only coverage and covers property damage and bodily injury caused to another driver. In Tennessee, the average annual cost for non-owner state minimum liability only is $300.

Those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage to be able to drive in the state legally. The state minimum liability only coverage costs $368 per year in Tennessee.

Coverage limitsAverage annual cost
50/100/50 Liability Only$445
100/300/100 Liability with $500 Comp/Coll Deductible$1,373
Non-Owner State Minimum Liability Only$300
State Minimum Liability Only$368

Average car insurance cost in Tennessee by city

Your car insurance premium is determined by various 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$1,132

Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. has done the research for you. Get more information on auto insurance rates by city below.

Car insurance rates in Tennessee by city

Average car insurance cost in Tennessee by age

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 $2,256 while for seniors is $1,316. Here, the rate for young drivers is $940 more than for senior drivers.

Statistics show that young drivers are more likely to be in a vehicle accident than experienced drivers. As a result, they are deemed high-risk and costly to insure. However, premiums start to rise again at 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 $2,096 per year or $175 per month and rate for a male young driver is $2,417 per year or $201 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 $1,296 per year or $108 per month and cost of car insurance for male senior driver is $1,336 per year or $111 per month.

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

Read more about senior car insurance

Minimum car insurance requirements in Tennessee

Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Tennessee Department of Insurance, the following are the required coverages and minimum coverage limits in Tennessee:

  • Bodily injury per person: $25,000
  • Bodily injury per accident: $50,000
  • Personal property coverage per person: $15,000

Cheapest cars to insure in Tennessee

The Ford Transit Connect Titanium has the lowest average annual insurance premium at $1,119, followed closely by the Toyota C-HR Limited at $1,125. The difference in the cost of insuring these two models is $6 annually.

MakeModelAverage annual premium
FordTransit Connect Titanium$1,119
ToyotaC-HR Limited$1,125
ChryslerVoyager LX$1,140
MazdaCX-30 S$1,148
SubaruForester 2.5I$1,148
MazdaCX-5 S$1,153
KiaSeltos EX$1,157
HyundaiVenue SE$1,158
SubaruOutback 2.5I$1,165
SubaruCrosstrek 2.5I Limited$1,165

Most expensive cars to insure in Tennessee

The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $4,647. However, the difference between the cheapest and most expensive cars to insure is $3,528 annually.

MakeModelAverage annual premium
MaseratiLevante Trofeo$4,093
MaseratiGhibli Modena$4,036
MaseratiGhibli GT$3,908
TeslaModel S Plaid$3,847
PorscheTaycan Turbo S$3,517
MaseratiGhibli Trofeo$3,393
Porsche911 Turbo$3,294
BMWM8 Competition XDrive$3,260

Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.

Methodology team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.

The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $100,000 property damage liability
  • $500 collision/comprehensive deductible

The quoted insurance rates are for comparison purposes, and your individual rates may vary.

How much is car insurance in other states

North Carolina$1,368/Year
North Dakota$1,419/Year
New Hampshire$1,307/Year
New Jersey$1,901/Year
New Mexico$1,505/Year
New York$2,020/Year
Rhode Island$1,845/Year
South Carolina$1,894/Year
South Dakota$1,581/Year
West Virginia$1,610/Year
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