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25 Years of insurance experience
51M Quotes reviewed
167 Insurance providers evaluated
34.5K ZIP codes analyzed

If you want to secure auto insurance coverage in Tennessee, know the associated costs. On average, premiums for car insurance in Tennessee cost $1,677 per year or $140 monthly. While the national average is $1,682, highlighting a difference of $218.

Various factors influence car insurance rates, including age, gender, driving history, credit score, and location.

This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Tennessee, and breaks down car insurance rates by age group.

Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget.

Key Takeaways

  • Based on Insure.com’s analysis, car insurance in Tennessee costs $1,677 per year.
  • Car insurance in Tennessee costs $140 per month.
  • Farm Bureau Insurance of Tennessee has the cheapest car insurance rates in Tennessee, at an average annual rate of $1,355 a year.

Average car insurance cost in Tennessee per month

In Tennessee, car insurance costs around $140 per month on average.

It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Tennessee, it’s wise to obtain quotes from multiple firms.

Cheapest car insurance companies in Tennessee

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.

Affordable car insurance providers in Tennessee

Graph
Table
Company nameAverage per month costAverage annual cost
Farm Bureau Insurance of Tennessee$113$1,355
Travelers$116$1,395
Progressive$129$1,550
Geico$130$1,565
Erie Insurance$133$1,598
Nationwide$136$1,632
State Farm$140$1,677
Farmers$148$1,770
Allstate$253$3,032
USAA$99$1,194

Read our guide to cheap car insurance companies

Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023.

Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage.

Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit.

For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. 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 six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors.

Average cost of car insurance by coverage levels in Tennessee

The extent of coverage you select determines car insurance costs in Tennessee. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.

Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Tennessee amounts to $547.

Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Tennessee stands at $1,677.

Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Tennessee, the average annual cost for non-owner state minimum liability coverage stands at $363.

Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $442 in Tennessee.

1State minimum:$442
2Liability only:$547
3Full coverage:$1,677
4Non-owners:$363

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 city

Average car insurance cost in Tennessee by city

Your car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.

The table below depicts the top popular cities in Tennessee:

CityAverage annual cost
Chattanooga$1,605
Clarksville$1,620
Franklin$1,513
Hendersonville$1,569
Jackson$1,666
Johnson City$1,386
Knoxville$1,580
Memphis$2,161
Murfreesboro$1,600
Nashville$1,708

Average car insurance cost in Tennessee by age of the driver

Age plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Tennessee is $2,715, whereas for seniors, it’s $1,670. The rate for young drivers surpasses that of senior drivers by $1,045.

Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.

Average car insurance cost in Tennessee for young drivers

For female young drivers in Tennessee, the average annual car insurance cost is $2,530, and $211 per month. Conversely, male young drivers face an average annual rate of $2,901, and $242 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
20$3,872$3,237
21$3,055$2,616
22$2,749$2,417
23$2,519$2,258
24$2,311$2,121

Average car insurance cost in Tennessee for senior drivers

For senior female drivers in Tennessee, the annual cost of car insurance is $1,623, or $135 per month. Similarly, male senior drivers face an annual insurance rate of $1,716, or $143 per month.

Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers
65$1,580$1,516
70$1,686$1,597
75$1,884$1,757

Read more about senior car insurance

Minimum car insurance requirements in Tennessee

Every state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the Tennessee Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in Tennessee:

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

Cheapest cars to insure in Tennessee

The Mazda CX-30 has the most affordable average annual insurance premium, standing at $1,854. The Hyundai Venue is followed closely at $1,900 per year. The difference in the cost of insuring these two models is $46 annually.

MakeModelAverage annual premium
MazdaCX-30$1,854
HyundaiVenue$1,900
HondaHR-V$1,901
ChevroletTrailBlazer$1,911
ToyotaCorolla Cross$1,920
HondaCR-V$1,923
SubaruOutback$1,935
KiaSeltos$1,941
SubaruCrosstrek$1,943
SubaruForester$1,951

Most expensive cars to insure in Tennessee

Topping the list as the most expensive car to insure is the Audi R8 Performance, at an average annual premium of $7,374. Notably, the annual difference between the least and most expensive cars to insure amounts to $5,520.

MakeModelAverage annual premium
AudiR8 Performance$7,374
MaseratiQuattroporte Trofeo$7,048
MaseratiQuattroporte$6,963
MaseratiGhibli Trofeo$6,860
PorscheTaycan Turbo$6,085
MaseratiGhibli$5,925
BMWM8$5,875
AudiR8$5,665
MaseratiLevante Trofeo$5,478
AudiRS E-tron GT$5,476

Methodology

The Insure.com 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:

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

57M

Quotes reviewed

136

No. of carriers analyzed

34.5K

ZIP codes analyzed

How much is car insurance in other states

Alaska$1,676/Year
Alabama$1,860/Year
Arkansas$1,957/Year
Arizona$1,812/Year
California$2,416/Year
Colorado$2,337/Year
Connecticut$1,725/Year
Delaware$2,063/Year
Florida$2,694/Year
Georgia$1,970/Year
Hawaii$1,517/Year
Iowa$1,630/Year
Idaho$1,428/Year
Illinois$1,532/Year
Indiana$1,515/Year
Kansas$1,900/Year
Kentucky$2,228/Year
Louisiana$2,883/Year
Massachusetts$1,726/Year
Maryland$1,746/Year
Maine$1,175/Year
Michigan$2,352/Year
Minnesota$1,911/Year
Missouri$1,982/Year
Mississippi$2,008/Year
Montana$2,193/Year
North Carolina$1,741/Year
North Dakota$1,665/Year
Nebraska$1,902/Year
New Hampshire$1,265/Year
New Jersey$1,902/Year
New Mexico$2,049/Year
Nevada$2,060/Year
New York$1,870/Year
Ohio$1,417/Year
Oklahoma$2,138/Year
Oregon$1,678/Year
Pennsylvania$1,872/Year
Rhode Island$2,061/Year
South Carolina$2,009/Year
South Dakota$2,280/Year
Texas$2,043/Year
Utah$1,825/Year
Virginia$1,469/Year
Vermont$1,319/Year
Washington$1,608/Year
Wisconsin$1,664/Year
West Virginia$2,005/Year
Wyoming$1,758/Year
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Prachi Singh
Contributing Researcher

 
  

Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.

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