Car insurance calculator for teens in Tennessee

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Car insurance for teens in Tennessee costs more than it does for older drivers, but the price depends on factors like age, gender, coverage limits, and the insurer you choose. Knowing the state averages can help you budget, compare quotes, and figure out what’s realistic for your family.

Use our calculator to estimate what you might pay to insure your teen in Tennessee. Getting a personalized estimate can help you budget with confidence, compare against state averages, and decide which coverage and insurer are the best fit.

Car insurance calculator for state teens

State

Tennessee

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Gender

Male

Male Female Non-binary

Age

16

16171819

Coverage level Full coverage – 100/300/100 liability, $500 collision and $500 comprehensive deductibles. State minimum liability – Liability coverage limits vary by state, no coverage for physical damage to your vehicle. Liability only – 100/300/100 liability, no coverage for physical damage to your vehicle.

Full coverage

Full coverage State minimum liability Liability only

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Average annual rates for state teen drivers

$8,610 Average rate

$16,332 Highest
rate

$5,344 Lowest
rate

Most expensive companies for auto insurance in ()

Company	Average annual rate
Allstate	$16,332
Farmers	$12,347
Progressive	$10,861

Least expensive companies for auto insurance in ()

Company	Average annual rate
Erie Insurance	$5,344
Farm Bureau Insurance of Tennessee	$5,378
State Farm	$6,538

Average car insurance costs for teens in Tennessee

Car insurance costs an average of $5,696 per year for teen drivers in Tennessee with coverage limits of 100/300/100-that’s $100,000 for one person’s injuries, $300,000 for all injuries in an accident, and $100,000 for property damage-plus $500 deductibles for collision and comprehensive coverage.

Teen drivers face higher car insurance rates than young adults or older drivers because they lack experience on the road. Insurers see them as higher risk, which leads to steeper premiums.

Insurance rates in Tennessee also vary based on the coverage limits you choose, the type of car you drive, and the ZIP code you live in. Tennessee families can lower costs by taking advantage of good student discounts, enrolling teens in a driving program and adding teens to an existing family policy rather than buying a separate one.

Teen car insurance rates in Tennessee, by age

Rates change quickly as teens get older. For example, a full coverage policy for a 16-year-old in Tennessee averages $7,578 per year. At 19, the average falls again to $3,992.

Premiums are still higher than those for adult drivers, but the steady decline shows how experience behind the wheel helps bring costs down over time.

See the table below for average teen car insurance rates in Tennessee by age.

Teen car insurance in Tennessee, by gender

In most states, insurers can use gender when setting rates. California, Hawaii, Massachusetts, Michigan, North Carolina, and Pennsylvania are the exceptions. In Tennessee, a 16-year-old male driver pays about $8,327 annually, while a female of the same age pays $6,794 – a difference of $1,533.

Crash statistics back up this difference. The Insurance Institute for Highway Safety reports that 3,048 teenagers ages 13-19 died in vehicle crashes in 2023, and two out of three were male. Because young men are more often involved in serious accidents, insurers factor that risk into premiums.

The table below shows average teen car insurance rates in Tennessee by gender.

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Cheapest teen car insurance companies in Tennessee

Teen car insurance is expensive everywhere, but rates vary widely from one company to another. Shopping around is the best way to find the lowest price.

In Tennessee, Farm Bureau Insurance of Tennessee offers the cheapest coverage for drivers ages 16-19, averaging $3,963 per year for full coverage with 100/300/100 limits and $500 deductibles.

The next lowest average premium comes from Erie Insurance at $3,977.

The table below lists the cheapest insurers for teen drivers in Tennessee.

Minimum car insurance requirements for teens in Tennessee

Like adults, teen drivers in Tennessee must carry at least the state’s minimum liability coverage:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury
• $25,000 for property damage

These minimums provide only basic protection, and medical care or repairs costs can quickly exceed them. That’s why many families choose higher coverage – especially when adding a teen driver.

Lenders will also require comprehensive and collision coverage if your car is financed or leased. These cover damage to your own vehicle after an accident, theft, or severe weather.

Ways to save on teen car insurance in Tennessee

While teen premiums are high, there are steps you can take to lower costs without cutting back on safety:

• Check averages first. Knowing what others pay in your state helps you budget and spot quotes that are too high.
• Choose a practical car. A safe, modest sedan is much cheaper to insure than a luxury or sports model.
• Go beyond liability. Full coverage is pricier but offers better protection against accidents, injuries, and damage.
• Use discounts. Good grades, safe driving programs, and low mileage can all reduce premiums.
• Talk about responsibility. Help your teen understand that safe driving protects both lives and finances.
• Review each year. Rates usually drop as teens gain experience and keep a clean record, so revisit your policy annually.

Helping your teen start off safely on the road

Adding a teen to your policy will raise your rates at first, but those costs don’t stay high forever. With each year of safe driving, premiums generally go down.

You can lower expenses by comparing quotes, bundling policies, and asking about discounts. More importantly, insuring your teen isn’t just about following state rules – it’s about protecting your finances and giving your young driver a safe, confident start on the road.

Methodology

Insure.com analyzed rates collected from Quadrant Information Services for teen male and female drivers aged 16-19 for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.

To evaluate the premiums, our data experts compared rates 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes. The rates are for comparison purposes only; 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.

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