Tennessee Car insurance calculator

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If you drive in Tennessee, you know how important it is to have the right car insurance – but finding a policy that fits your needs and budget isn’t always simple. That’s why we built the Tennessee car insurance calculator: to help you quickly estimate costs and explore coverage options that work for you.

Our calculator uses your vehicle’s make and model to estimate your average annual and monthly premiums in Tennessee, making it easier to compare options and choose the coverage that’s right for you.

How to use our car insurance calculator to estimate your rates in Tennessee

Our calculator gives you a fast, customized car insurance estimate. Enter a few details to see your potential rates and easily compare coverage options – no guesswork required.

Step 1: Choose the model year of your car.
Step 2: Choose the make and model of your car.
Step 3: Choose your state.
Step 4: Click on the “Get My Rates” button to get a car insurance estimate.
Step 5: Expand your options by adding more vehicles, or take the next step by clicking the “Get quotes” button to compare policies and prices.

Updated with latest data

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*It is recommended that you should get full coverage car insurance for vehicles 2020 or newer.

Methodology

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.

Does your vehicle model affect car insurance rates in Tennessee?

Your car’s make and model play a big role in determining insurance rates. Insurers account for multiple factors – including your vehicle’s make and model – to calculate premiums.

For example, insuring a Honda Accord LX around $2,541 per year for a full coverage policy. On the other hand, coverage for a Honda CR-V costs $2,116, a difference of $425.

Does your car’s model year affect insurance rates in Tennessee?

In Tennessee – as in many other states – a car’s model year can impact your insurance rates. For instance, the annual premium for a 2023 Honda Accord LX is around $3,934, while insuring the 2024 model costs $2,492.

Quick tip: Check your state’s minimum coverage rules

Every state sets its own minimum car insurance requirements, and Tennessee is no exception. To drive legally, you’ll need at least the minimum liability coverage, which typically includes:

Bodily injury liability per person and per accident
Property damage liability

These limits are the bare minimum – many drivers choose higher coverage to better protect themselves financially after an accident. Not carrying the required coverage in Tennessee can lead to fines, license suspension and even vehicle impoundment.

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

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How your car’s trim affects insurance rates in Tennessee

Your car’s trim level plays a big role in determining your insurance premium. Insurers consider the vehicle’s value, repair costs, safety features and theft risk when setting rates. Higher trims with upgraded technology or powerful engines often have higher premiums since they’re more expensive to repair or replace.

For example, a 2023 Honda Accord LX costs $3,934 per year to insure in Tennessee, whereas the EX-L trim costs $3,398, a difference of $536 annually.

Trims that include luxury upgrades, like a premium sound system, often cost more to insure because they raise the vehicle’s overall value. Similarly, performance-focused trims with larger engines may increase premiums due to a greater risk of accidents or speeding.

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Average car insurance costs in Tennessee

The average annual premium for a full coverage car insurance policy in Tennessee is $2,214 or $184 per month. However, your actual premium may differ depending on your chosen coverage level.

Below are estimated costs for various coverage levels in Tennessee, but your actual rate will depend on personal factors such as your vehicle, driving history, and other details.

Coverage level	Average annual rate	Average monthly rate
Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll	$2,214	$184
Liability Only – 50/100/50 BI/PD	$623	$52
State Minimum BI/PD	$515	$43
Non-Owners	$386	$32

How car insurance prices compare across Tennessee cities

Car insurance premiums in Tennessee can vary widely from one city to another. Insurers consider congestion, accident statistics, weather risks, and crime rates when setting premiums. For example, full coverage costs $2,950 per year in Memphis, compared to $1,661 in Johnson City.

Top 20 cities with cheapest car insurance rates in Tennessee

City	Avg. Annual Premium	Avg. Monthly Premium
Johnson City	$1,661	$138
Jonesborough	$1,666	$139
Colonial Heights	$1,674	$139
Mountain Home	$1,701	$142
Telford	$1,737	$145
Bristol	$1,744	$145
Elizabethton	$1,751	$146
Bluff City	$1,777	$148
Fall Branch	$1,781	$148
Piney Flats	$1,788	$149
Limestone	$1,795	$150
Watauga	$1,800	$150
Blountville	$1,813	$151
Kingsport	$1,821	$152
Unicoi	$1,861	$155
Hampton	$1,862	$155
Roan Mountain	$1,865	$155
Erwin	$1,868	$156
Friendsville	$1,871	$156
Seymour	$1,881	$157

Top 20 cities with most expensive car insurance in rates Tennessee

City	Avg. Annual Premium	Avg. Monthly Premium
Memphis	$2,950	$246
Ellendale	$2,647	$221
Millington	$2,600	$217
Saulsbury	$2,592	$216
Laconia	$2,578	$215
Bartlett	$2,560	$213
Grand Junction	$2,552	$213
Hickory Valley	$2,548	$212
Germantown	$2,547	$212
Somerville	$2,547	$212
Braden	$2,544	$212
Williston	$2,531	$211
Bolivar	$2,527	$211
Moscow	$2,526	$211
Middleton	$2,518	$210
Macon	$2,517	$210
Oakland	$2,506	$209
La Grange	$2,504	$209
Gallaway	$2,492	$208
Whiteville	$2,489	$207

Estimate your Tennessee car insurance cost with our calculator

Our Tennessee car insurance calculator gives you a quick estimate based on factors like your location, vehicle, and model year. Enter a few details to see a personalized estimate in seconds. Actual quotes can differ, so it’s smart to compare offers from multiple insurers to find your best rate.

How much is car insurance in other states

Alaska$2,215/Year

Alabama$2,107/Year

Arkansas$2,723/Year

Arizona$2,333/Year

California$3,010/Year

Colorado$3,222/Year

Connecticut$2,726/Year

Washington, D.C.$3,394/Year

Delaware$3,097/Year

Florida$3,852/Year

Georgia$2,739/Year

Hawaii$1,721/Year

Iowa$2,228/Year

Idaho$1,791/Year

Illinois$1,901/Year

Indiana$1,856/Year

Kansas$2,410/Year

Kentucky$2,976/Year

Louisiana$4,180/Year

Massachusetts$2,430/Year

Maryland$2,273/Year

Maine$1,701/Year

Michigan$3,146/Year

Minnesota$2,561/Year

Missouri$2,410/Year

Mississippi$2,455/Year

Montana$2,541/Year

North Carolina$2,587/Year

North Dakota$2,079/Year

Nebraska$2,387/Year

New Hampshire$1,650/Year

New Jersey$2,736/Year

New Mexico$2,486/Year

Nevada$3,284/Year

New York$2,898/Year

Ohio$1,739/Year

Oklahoma$2,705/Year

Oregon$1,927/Year

Pennsylvania$2,428/Year

Rhode Island$2,706/Year

South Carolina$2,367/Year

South Dakota$2,635/Year

Texas$2,631/Year

Utah$2,250/Year

Virginia$1,837/Year

Vermont$1,504/Year

Washington$2,175/Year

Wisconsin$2,026/Year

West Virginia$2,557/Year

Wyoming$1,984/Year

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.

On this page

How to use our car insurance calculator to estimate your rates in Tennessee
Does your vehicle model affect car insurance rates in Tennessee?
Does your car's model year affect insurance rates in Tennessee?
How your car's trim affects insurance rates in Tennessee
Average car insurance costs in Tennessee
How car insurance prices compare across Tennessee cities
Estimate your Tennessee car insurance cost with our calculator

Tennessee car insurance calculator