Low-cost car insurance in Tennessee

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Drivers in Tennessee can find the cheapest average premium with Farm Bureau Insurance of Tennessee, at $1,355 per year. By comparison, the statewide average monthly cost is $140. Keep in mind that rates vary for each driver depending on factors like driving record, ZIP code, and vehicle type.

Since auto insurance laws differ by state, Tennessee requires drivers to carry at least $25,000 in bodily injury coverage per person, $50,000 in bodily injury per accident, and $25,000 for property damage liability.

For broader protection, full coverage may be a smart option. It combines liability, collision, and comprehensive insurance, giving you coverage not only for other drivers but also for your own vehicle if it’s damaged in a crash, stolen, or affected by severe weather.

Here’s how different insurers stack up for drivers in Tennessee, depending on your situation.

Low-cost car insurance businesses in Tennessee

When comparing insurers in Tennessee, Farm Bureau Insurance of Tennessee leads the pack with an annual average of $1,355. That’s 19% less than the statewide average. Individual premiums vary depending on your driving record, vehicle type, age, and ZIP code.

To make sure you’re getting the best price, it’s always smart to check quotes from multiple carriers.

Here are the annual averages from the most affordable insurance companies in Tennessee.

How we choose low-cost car insurance companies in Tennessee

170+

Carriers reviewed

53M+

Quotes analysed

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ZIP codes examined

ZIP codes with the cheapest car insurance in Tennessee

Drivers in the 37615 ZIP code pay the lowest average annual premium in Tennessee, at $1,381. See which other areas of the state offer more affordable rates below.

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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.

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Low-cost car insurance in Tennessee by age

Teen drivers in Tennessee pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims. For example, our data shows that a 16-year-old driver pays $5,901 more than a 40-year-old driver in Tennessee.

The table below shows low-cost car insurance rates for drivers of different ages.

Low-cost car insurance in Tennessee by driver history

Insurers weigh your driving record heavily when setting premiums. You can expect your rates to rise if you’re ticketed or at fault in an accident. On the other hand, drivers with clean records are considered lower risk and usually qualify for cheaper coverage.

Low-cost car insurance after a speeding ticket in Tennessee

Just one speeding ticket in Tennessee can raise your rates by 39% – $648 more per year. Along with the ticket fine, that makes speeding an expensive mistake. The table below shows insurers offering lower-cost options even with a violation.

Low-cost car insurance after an accident in Tennessee

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

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

Below, you’ll see which companies offer low-cost car insurance for drivers with one accident on their record.

Low-cost car insurance after a DUI in Tennessee

Being labeled a high-risk driver after a DUI usually means paying much more for car insurance. However, some insurers are less expensive than others. The table below shows which companies in Tennessee offer the most affordable rates after a DUI conviction.

Average cost of car insurance Tennessee

While full coverage is more expensive than minimum liability, the extra protection is worth it for most drivers. Liability-only policies cover damage you cause to others, but not your own car. Full coverage adds collision and comprehensive protection, covering accidents, theft, weather, and other risks.

In Tennessee, the average cost of full coverage is $218 less compared to the national average.

We recommend carrying at least 100/300/100 in coverage – $100,000 for bodily injury per person, $300,000 per accident, and $100,000 in property damage liability. These limits provide stronger protection in serious accidents that could otherwise exceed state minimums.

What is full coverage car insurance?

Full coverage includes liability, collision, and comprehensive coverage. Collision covers your car if it’s damaged in an accident, while comprehensive applies to damage from non-collision events such as theft, fire, or hail.

If you finance or lease your vehicle in Tennessee, your lender may require both collision and comprehensive coverage in addition to state-mandated liability insurance.

The bottom line on saving and staying protected

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.

Ensure you’re adequately protected and consider your specific needs before buying an auto insurance policy. Car insurance rates vary, so compare quotes from at least three different companies to find low-cost 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.