Home Car insurance Car insurance rates by state Cheapest car insurance in Tennessee Cheapest car insurance in Tennessee Farm Bureau Insurance of Tennessee offers the cheapest car insurance rates in Tennessee, based on Insure.com's analysis. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani Gite Shivani Gite 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. | Reviewed by Nupur Gambhir Nupur Gambhir Nupur Gambhir is an insurance expert and managing editor of Insure.com. She specializes in life and health insurance content, and has experience as a marketing consultant. | Updated on: May 26, 2025 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. 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 Key Takeaways Farm Bureau Insurance of Tennessee has the cheapest car insurance in Tennessee, with an average annual cost of $1,355, which is 19% less than the state average.State Farm offers affordable car insurance at $1,969 per year to Tennessee drivers with a history of at-fault accidents.37615 is the cheapest ZIP code for auto insurance rates in Tennessee at $1,381 annually. Cheap car insurance companies in TennesseeFarm 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.CompanyAverage annual ratesFarm Bureau Insurance of Tennessee$1,355Travelers$1,395Progressive$1,550GEICO$1,565Erie Insurance$1,598Nationwide$1,632State Farm$1,677Farmers$1,770Allstate$3,032USAA*$1,194 *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 TennesseeThe 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.ZIP codeCityAverage annual rates37615Johnson City$1,38137620Bristol$1,38537601Johnson City$1,38737604Johnson City$1,38837614Johnson City$1,38937659Jonesborough$1,39137684Mountain Home$1,39537663Colonial Heights$1,40237690Telford$1,40237618Bluff City$1,404Auto 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 cityChattanoogaClarksvilleKnoxvilleMemphisMurfreesboroCheapest car insurance in Tennessee by ageIn 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.Age groupFull coverage annual premiumsTeens (16-19)$5,696Young Adults (20-24)$2,715Adults (25-60)$1,678Seniors (65-75)$1,670 You might find interesting The best, cheapest car insurance in TennesseeTennessee car insurance calculatorNon-owner auto insurance in Tennessee: Which company has the cheapest rates?Cheapest SR-22 insurance in TennesseeBest and cheapest companies for home and auto bundles in Tennessee Cheapest car insurance in Tennessee by driver historyYour 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 TennesseeHere are the top three companies that offer cheap car insurance after a speeding ticket:Erie Insurance: $1,729 per yearState Farm: $1,823 per yearProgressive: $1,889 per yearAccording to Insure.com data, a single speeding ticket can increase your rates by 39% or $648 in Tennessee.Getting a speeding ticket can be costly. You will have to pay a fine, and your insurance rates may go up. If you’re looking for the cheapest car insurance costs in Tennessee, below are some insurers that offer cheap car insurance after a speeding ticket.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseErie Insurance$1,598$1,7298%$131State Farm$1,677$1,8239%$146Progressive$1,550$1,88922%$339Travelers$1,395$2,13153%$736Nationwide$1,632$2,43849%$806GEICO$1,565$2,86983%$1,304Farmers$1,770$2,89163%$1,121Allstate$3,032$3,40512%$373USAA*$1,194$1,42519%$231 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after an accident in TennesseeHere are the top three companies that offer cheap car insurance after an accident:State Farm: $1,969 per yearTravelers: $2,071 per yearErie Insurance: $2,125 per yearState Farm offers the cheapest car insurance rates to drivers after an at-fault accident at about $1,969 a year.If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find better rates.Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.CompanyAverage annual premiumNew rate after accident% Increase$ IncreaseState Farm$1,677$1,96917%$292Travelers$1,395$2,07148%$676Erie Insurance$1,598$2,12533%$527Progressive$1,550$2,45859%$908Nationwide$1,632$2,67464%$1,042Farmers$1,770$2,92365%$1,153GEICO$1,565$2,99491%$1,429Allstate$3,032$4,80558%$1,773USAA*$1,194$1,80851%$614 *Note: USAA only offers coverage to military members, veterans and their families.Cheapest car insurance after a DUI conviction in TennesseeBelow, you’ll find the top three companies that offer cheap car insurance after a DUI conviction:State Farm: $1,823 per yearProgressive: $1,916 per yearTravelers: $2,219 per yearIf you’ve been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.CompanyAverage annual premiumNew rate after accident$ Increase% IncreaseState Farm$1,677$1,823$1469%Progressive$1,550$1,916$36624%Travelers$1,395$2,219$82459%Erie Insurance$1,598$2,519$92158%GEICO$1,565$2,921$1,35687%Nationwide$1,632$3,364$1,732106%Farmers$1,770$3,729$1,959111%Allstate$3,032$4,173$1,14138%USAA*$1,194$2,309$1,11593% *Note: USAA only offers coverage to military members, veterans and their families.Average car insurance cost in TennesseeFull 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 thoughtsWhen 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.MethodologyInsure.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 applied1 At-fault property damage accident over $2K1 At-fault property damage accident under $2KAt-fault bodily injury accidentPoor creditDUI/DWI first offenseSpeeding 30+ over limitSpeeding ticket 1-10 MPH over limitSpeeding ticket 11-29 MPH over the limitThese are sample rates, and your exact rates may vary. Find cheapest car insurance in other statesAlabamaAlaskaArizonaArkansasCaliforniaColoradoConnecticutDelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTexasUtahVermontVirginiaWashington D.C.WashingtonWest VirginiaWisconsinWyomingShow moreShivani GiteContributing 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. In case you missed it Best Car Insurance Companies of 2025 The most and least expensive states for car insurance in 2025 What is full coverage car insurance? How much does car insurance cost for seniors in 2025? A complete guide to adding a teenager to your car insurance policy in 2025 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? How much used car insurance costs: Most and least expensive models to insure The best car insurance for people with bad credit in 2025 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to car insurance discounts Proper insurance coverage for college-bound children How to read your auto insurance policy A complete list of car insurance companies New driver insurance grace period: What you need to know How much do insurance agents make? Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Cheap car insurance companies in TennesseeHow we choose the cheapest car insurance companies in TennesseeCheapest ZIP codes for car insurance in TennesseeCheapest car insurance in Tennessee by ageCheapest car insurance in Tennessee by driver historyAverage car insurance cost in TennesseeFinal thoughtsMethodology ZIP Code Please enter valid ZIP See rates (844)-645-3330