Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Tennessee Average car insurance cost in Tennessee In Tennessee, a full-coverage car insurance policy runs $2,235 a year, or $186 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Alisha AmbreAlisha AmbreAlisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onAugust 5, 2026 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. Drivers in Tennessee pay $186 per month for full coverage car insurance, or $2,235 per year. Carrying only your state’s minimum required liability coverage brings the average down to $51 per month or $613 per year. These are statewide averages, so your own rate may land higher or lower.What you’ll actually pay depends on where you live, your age, driving record, credit score and the type of car you drive. Insurers also weigh state-specific risks like accident frequency, repair and medical costs, theft rates and weather, which is why drivers in busy urban areas typically pay more than those in rural ones. Some of these factors are within your control. You can lower your rate by maintaining a clean driving record, improving your credit score, bundling policies or comparing quotes from multiple insurers. Average annual cost $2,235 Average per month cost $186 Average cost for state minimum coverage $641 / Year Cheapest car insurance company GEICO$1,686 / Year Average cost for young drivers $3,661 / Year Average cost for Senior drivers $2,150 / Year 012345 1 of 6 How much does car insurance cost in Tennessee?On average, Tennessee drivers pay $186 a month ($2,235 a year) for full coverage, compared to $51 a month ($613 a year) for state minimum coverage.The chart below shows average car insurance rates in Tennessee across different coverage levels. These are statewide averages, so your own rate may land higher or lower.Liability onlyFull coverageNon-owner state minimum liabilityState minimum liability-only$641$2,235$507$613Powered by:What does each coverage type include?State minimum coverage: Meets your state’s legal requirements, covering liability only. It’s the cheapest option, but leaves you with minimal protection in a serious accident.Liability only: Covers damage and injuries you cause to others, but not your own vehicle or injuries.Comprehensive coverage: Pays for damage to your car from non-collision events, like theft, fire, or weather.Collision coverage: Pays to repair or replace your car after an accident, regardless of who’s at fault.Full coverage: Combines liability with comprehensive and collision coverage, protecting your own vehicle too. It costs more, but offers the most complete protection.Non-owners: Built for people who don’t own a car themselves but sometimes drive borrowed vehicles and still want liability protection.See what you’d actually payStatewide averages can only tell you so much. Get a personalized estimate in four quick steps:Enter your vehicle’s yearSelect your stateChoose your vehicle’s makeChoose your vehicle’s modelYou’ll instantly see estimates for state minimum, liability only, and full coverage. Tennessee car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Tennessee Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Tennessee Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$586/year Liability coverage$876/year Full Coverage$2,401/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:How to lower your rate in Tennessee:Get quotes from at least three insurers, since your first quote usually isn’t your cheapest optionBundling your home and auto policies often unlocks a discountAsk your insurer directly what discounts you may qualify forKeep your driving record clean; fewer violations mean lower perceived risk, and a lower rateSkip filing small claims when you can, since paying minor costs yourself can help prevent your rate from climbing How much car insurance coverage do you need in Tennessee?Drivers in Tennessee must carry at least the state’s minimum liability coverage. This covers damage you cause to others, but not your own car or medical bills – if you’re at fault in a crash, you’d pay those costs yourself unless you have more coverage.Minimum liability breaks down into two parts:Bodily injury liability pays for others’ medical costs if you injure them. The “per person” limit caps what’s paid for one individual; the “per accident” limit caps the total for everyone.Property damage liability pays to repair or replace others’ property, like their car or a fence.Many drivers choose full coverage instead, which adds comprehensive and collision on top. It costs more, but protects your own vehicle too – from accidents, theft, or weather. If you’re financing or leasing, your lender likely requires it. CoverageMinimum requiredBodily injury liability (per person)$25,000Bodily injury liability (per accident)$50,000Property damage liability$25,000 Powered by: Who has the cheapest car insurance in Tennessee?Drivers in Tennessee tend to find the best rates with GEICO, which averages $1,686 a year, or $141 a month, for full coverage with 100/300/100 limits and $500 collision and comprehensive deductibles.Auto-Owners follows closely with affordable premiums of its own, averaging $159 a month, or $1,907 a year.While both insurers rank among the cheapest in Tennessee, your actual rate depends on your own profile – it’s worth comparing quotes before you decide. Affordable car insurance providers in Tennessee Graph Table Company GroupAvg. Annual PremiumAvg. Monthly PremiumGEICO$1,686$141Auto-Owners$1,907$159Erie Insurance$2,142$179Farm Bureau Insurance of Tennessee$2,146$179Farmers$2,303$192Nationwide$2,411$201Allstate$3,152$263Powered by: Powered by: Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now How much does car insurance cost by city in Tennessee?Car insurance rates in Tennessee vary by city – drivers in Johnson City and Franklin pay $1,847 to $2,001 a year, while those in Memphis, Nashville and Jackson pay significantly more.Location affects your rate because insurers price risk differently by area. Cities with heavier traffic, higher accident rates, and more theft or vandalism tend to have higher premiums, while areas with lower population density and fewer claims generally see lower rates.CityAverage annual costJohnson City$1,847Franklin$2,001Knoxville$2,080Hendersonville$2,120Chattanooga$2,141Murfreesboro$2,153Clarksville$2,222Jackson$2,252Nashville$2,337Memphis$2,671Powered by:Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Tennessee by citySee rates in your cityChattanoogaClarksvilleKnoxvilleMemphisMurfreesboroHow does age affect car insurance rates in Tennessee?Age ranks among the biggest factors insurers use to set your premium. Rates typically peak for teen drivers, fall after age 25, hold steady through most of adulthood, and climb again once drivers reach their early 70s. Insurers view both ends of the age spectrum as higher risk: younger drivers because of inexperience, and older drivers because of slower reaction times and vision changes.Here’s what drivers in Tennessee might expect to pay based on age and gender.Car insurance rates for young drivers in TennesseeYoung drivers pay above-average premiums, since insurers consider them higher risk until they build more experience on the road.In Tennessee, 20-year-old male drivers average $5,346 a year, while 20-year-old female drivers average $4,354. By age 25, though, rates drop to an average of $2,771 a year for men and $2,654 for women.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,346$4,35421$4,155$3,49122$3,708$3,17323$3,410$3,02824$3,074$2,852Powered by:Car insurance rates for adults in TennesseeAdult male drivers in Tennessee pay an average of $2,210 a year for full coverage, or $184 a month. Female drivers average $2,175 a year, or $181 a month, for the same coverage. Insurers see adults as lower risk than teens, who are just starting out, and seniors, who may have slower reaction times, which is why adult rates run lower.Rates still vary from driver to driver, so comparing quotes is worth it to land the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,771$2,65430$2,383$2,37635$2,307$2,28340$2,223$2,24845$2,130$2,12750$2,020$1,98655$1,893$1,84760$1,878$1,824Powered by:Car insurance rates for senior drivers in TennesseeAs you age into your senior years, your car insurance costs tend to climb. Insurers view older drivers as higher risk due to factors like slower reaction times and changes in vision, both of which can raise the odds of an accident.At 65, men average $1,968 a year, and women average $1,853. By 70, those averages rise to $2,222 for men and $2,046 for women. At 75, rates climb further still, to $2,489 for men and $2,278 for women.Even with rates trending upward, you can help keep costs in check by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,968$1,85370$2,222$2,04675$2,489$2,278Powered by:Which cars are the cheapest and most expensive to insure in Tennessee?In Tennessee, Subaru Crosstrek costs the least to insure, at $1,930 a year, while BMW M5 Touring costs the most, at $6,149 a year. Your choice of vehicle has a major impact on your premium – cars with strong safety ratings, low repair costs, and fewer claims cost less to insure, while cars that are expensive to fix, frequently stolen, or often in accidents cost more.Cheapest cars to insure in TennesseeSubaru Crosstrek holds the lowest average premium in Tennessee, at $1,930 a year, with Subaru Outback close behind at $1,954 a year. Below are the cheapest cars to insure and their average annual rates:Make ModelAvg. Annual PremiumSubaru Crosstrek$1,930Subaru Outback$1,954Jeep Wrangler$1,971Honda HR-V$1,982Mazda CX-5$1,988Mazda MX-5 Miata$1,993Honda CR-V$1,993Chevrolet TrailBlazer$2,007Toyota Corolla Cross$2,009Subaru Forester$2,012Powered by:Most expensive cars to insure in TennesseeBMW M5 Touring tops the list as the most expensive vehicle to insure in Tennessee, averaging $6,149 a year. Below are the most expensive vehicles to insure and their average annual premiums:Make ModelAvg. Annual PremiumBMW M5 Touring$6,149BMW M8 Gran Coupe$6,065BMW M5$6,012Audi e-tron GT$5,891Lucid Air$5,823Audi RS7$5,659BMW i7$5,654BMW M8$5,587Audi S8$5,458Audi RS6$5,412Powered by:MethodologyTo determine average premiums, Insure.com commissioned Quadrant Information Services for 2026 car insurance data. Our team of data analysts and editors analyzed quotes from 195 insurance companies across 34,595 ZIP codes.Rates are based on a sample profile of 40-year-old male and female drivers driving a Honda Accord LX with a clean driving record and a good insurance score. We gathered quotes across three coverage levels:Full coverage: limits of $100,000 per person for bodily injury, $300,000 per accident, and $100,000 for property damage per accident.State minimum: the lowest coverage your state legally allows.Liability only: limits of $50,000 per person for bodily injury, $100,000 per accident, and $100,000 for property damage per accident.Additionally, we collected average rates for drivers across four age groups:Teen drivers (16-19)Young drivers (20-24)Adult drivers (25-26)Senior drivers (65-75)To compare costs across vehicles, we also analyzed rates for 1,549 make and model combinations, based on a 40-year-old male driver with the same coverage level (100/300/100 limits with a $500 collision/comprehensive deductible), a 12-mile commute, and 10,000 annual mileage.The national average comes to $2,578. These rates are for comparison purposes, and your own rates may vary.65.7MQuotes reviewed195No. of carriers analyzed34.5KZIP codes analyzed How much is car insurance in other statesAlaska$2,167/YearAlabama$2,116/YearArkansas$2,942/YearArizona$2,420/YearCalifornia$3,444/YearColorado$3,181/YearConnecticut$2,742/YearDelaware$3,157/YearFlorida$3,916/YearGeorgia$2,503/YearHawaii$1,757/YearIowa$2,460/YearIdaho$1,901/YearIllinois$1,938/YearIndiana$1,894/YearKansas$2,496/YearKentucky$2,624/YearLouisiana$3,999/YearMassachusetts$2,429/YearMaryland$1,999/YearMaine$1,808/YearMichigan$3,964/YearMinnesota$2,591/YearMissouri$2,151/YearMississippi$2,397/YearMontana$2,476/YearNorth Carolina$2,638/YearNorth Dakota$2,439/YearNebraska$2,095/YearNew Hampshire$1,689/YearNew Jersey$3,122/YearNew Mexico$2,577/YearNevada$3,963/YearNew York$2,596/YearOhio$1,783/YearOklahoma$2,993/YearOregon$2,048/YearPennsylvania$2,327/YearRhode Island$2,878/YearSouth Carolina$2,417/YearSouth Dakota$2,575/YearTexas$3,106/YearUtah$2,356/YearVirginia$1,835/YearVermont$1,660/YearWashington$2,389/YearWisconsin$2,343/YearWest Virginia$2,415/YearWyoming$2,061/YearShow more states No matches are found Alisha Ambre . .Alisha Ambre holds a Bachelor of Arts with honours in English Literature and Media Studies. She focuses on crafting clear, engaging content that makes complex information feel practical and approachable for everyday readers. When she’s not writing, she’s likely on the volleyball court or immersed in a good video game. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page How much does car insurance cost in Tennessee?How much car insurance coverage do you need in Tennessee?Who has the cheapest car insurance in Tennessee?How much does car insurance cost by city in Tennessee?How does age affect car insurance rates in Tennessee?Which cars are the cheapest and most expensive to insure in Tennessee?Methodology ZIP Code Please enter valid ZIP See rates 1-833-708-5453