Cheapest car insurance in Tennessee

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Farm Bureau Insurance of Tennessee provides the cheapest car insurance in Tennessee at $1,355 a year. Your rates may vary, but the average premium is $140 per month in Tennessee, according to Insure.com’s rate analysis.

Car insurance requirements vary by state, and in Tennessee, drivers must carry at least the minimum liability coverage: $25,000 for bodily injury protection per person, $50,000 of bodily injury coverage per accident, and $25,000 for property damage per accident.

However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

Below, we’ve highlighted the most affordable insurance company in each category.

Cheapest overall: Farm Bureau Insurance of Tennessee

$1,355/year

National avg. rate

Cheapest for at-fault accident: State Farm

$1,969/year

Avg. rate after an at-fault accident

Cheapest for speeding ticket: Erie Insurance

$1,729/year

Avg. rate after speeding ticket

Cheap car insurance companies in Tennessee

Farm Bureau Insurance of Tennessee offers Tennessee’s most affordable car insurance rates, at $1,355 per year, 19% less than the state’s annual cost. However, your rate may differ based on personal factors like your driving history, ZIP code and vehicle type.

When looking for auto insurance, make sure to compare quotes from at least three different companies to ensure you’re getting the best coverage.

The table below shows the most affordable car insurance companies and their average annual premiums.

*Note: USAA only offers coverage to military members, veterans and their families.

How we choose the cheapest car insurance companies in Tennessee

170+

Carriers reviewed

53M+

Quotes analysed

34K+

ZIP codes examined

Cheapest ZIP codes for car insurance in Tennessee

The 37615 ZIP code in Tennessee has the cheapest auto insurance, with an average price of $1,381 annually. Discover the cheapest ZIP codes for car insurance in Tennessee below.

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.

Cheapest car insurance in Tennessee by age

In Tennessee, young drivers often face higher insurance premiums than adults due to their higher likelihood of being involved in accidents and filing claims. According to an analysis by Insure.com, a 16-year-old driver pays $5,901 more for insurance than a 40-year-old driver.

Below are the cheapest auto insurance rates for Tennessee drivers of different ages.

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Cheapest car insurance in Tennessee by driver history

Your driving history plays a key role in determining your car insurance rates. If you cause an accident or are convicted of a driving offense, your premiums are likely to rise. However, a clean driving record indicates that you are a low-risk driver, which can result in lower insurance costs.

Cheapest car insurance after a speeding ticket in Tennessee

Here are the top three companies that offer cheap car insurance after a speeding ticket:

• Erie Insurance: $1,729 per year
• State Farm: $1,823 per year
• Progressive: $1,889 per year

According to Insure.com data, a single speeding ticket can increase your rates by 39% or $648 in Tennessee.

Getting a speeding ticket can be costly. You will have to pay a fine, and your insurance rates may go up. If you’re looking for the cheapest car insurance costs in Tennessee, below are some insurers that offer cheap car insurance after a speeding ticket.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after an accident in Tennessee

Here are the top three companies that offer cheap car insurance after an accident:

• State Farm: $1,969 per year
• Travelers: $2,071 per year
• Erie Insurance: $2,125 per year

State Farm offers the cheapest car insurance rates to drivers after an at-fault accident at about $1,969 a year.

If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find better rates.

Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

*Note: USAA only offers coverage to military members, veterans and their families.

Cheapest car insurance after a DUI conviction in Tennessee

Below, you’ll find the top three companies that offer cheap car insurance after a DUI conviction:

• State Farm: $1,823 per year
• Progressive: $1,916 per year
• Travelers: $2,219 per year

If you’ve been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

*Note: USAA only offers coverage to military members, veterans and their families.

Average car insurance cost in Tennessee

Full coverage insurance typically costs more than minimum liability insurance, but for most drivers, the additional expense is worthwhile. On average, full coverage car insurance in Tennessee is $218 less than the national average.

Full coverage limits vary, but getting a policy with limits of 100/300/100 is recommended for added protection.

What is full coverage car insurance in Tennessee?

Full coverage car insurance covers bodily injury liability, property damage liability, collision and comprehensive coverage. Collision insurance helps pay for repairs if your car is damaged in an accident, while comprehensive insurance protects against damage from non-collision events like theft or natural disasters.

In Tennessee, if you’re leasing or financing your car, your lender might require you to purchase collision and comprehensive insurance on top of the state-required liability coverage.

Final thoughts

When it comes to car insurance, everyone is looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you more down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to get the cheapest coverage in Tennessee.

Methodology

Insure.com gathered data from Quadrant Information Services to get car insurance rates in Tennessee. The rates are based on a sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles.

We analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes nationwide.

To determine car insurance rates for high-risk drivers with a history of traffic violations, we used a sample profile of a 40-year-old male and female driver who own a Honda Accord LX.

We also used sample profiles of drivers from different age groups: Teen drivers (Age 16-19), young drivers (Age 20-24), adult drivers (Age 25-60) and senior drivers (Age 65-75)

We determined the premiums for a high-risk driver with the following incidents applied

1. 1 At-fault property damage accident over $2K
2. 1 At-fault property damage accident under $2K
3. At-fault bodily injury accident
4. Poor credit
5. DUI/DWI first offense
6. Speeding 30+ over limit
7. Speeding ticket 1-10 MPH over limit
8. Speeding ticket 11-29 MPH over the limit

These are sample rates, and your exact rates may vary.

Shivani Gite

Contributing Writer

 

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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.