Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Tennessee Average car insurance cost in Tennessee The average full coverage car insurance cost in Tennessee is $2,214 annually, or $184 monthly. View Carriers Please enter valid zip Compare top carriers in your area Written by Shivani GiteShivani GiteShivani 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.VIEW FULL PROFILE | Reviewed by Nupur GambhirNupur GambhirEditor-in-ChiefNupur Gambhir is the editor-in-chief of Insure.com and a licensed life, health and disability insurance agent in New York with seven years of experience covering insurance. Her expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Balance, The Financial Gym and MSN. She holds a BA in Economics from The Ohio State University.VIEW FULL PROFILESee moreSee less | Updated onMay 20, 2026 Why you can trust Insure.com 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. 25 Years of insurance experience 78.5M Quotes reviewed 170 Insurance providers evaluated 34.5K ZIP codes analyzed If you live in Tennessee, you can expect to pay an average of around $184 per month for full coverage car insurance, or $2,214 per year. If you carry only your state’s minimum required liability coverage, your cost drops to about $43 monthly or $515 annually.Location plays a big role in what you pay for car insurance. Insurers calculate rates based on state-specific risk factors such as accident frequency, repair and medical costs, theft rates, and even weather-related risks. Urban areas with heavy traffic or higher crime rates tend to see higher premiums, while rural areas are often cheaper. Beyond location, your age, driving record, credit score, ZIP code, and the type of car you drive also affect your rate. Average annual cost $2,214 Average per month cost $184 Average cost for state minimum coverage $623 / Year Cheapest car insurance company Travelers$1,657 / Year Average cost for young drivers $3,611 / Year Average cost for Senior drivers $2,099 / Year 012345 1 of 6 Average car insurance cost in Tennessee If you live in Tennessee can expect to pay an average of $184 per month for full coverage car insurance – that’s $2,214 per year. If you opt for your state’s minimum required coverage, your insurance cost drops to $43 monthly or $515 annually. Just keep in mind that opting for minimum coverage means significantly less protection if you’re in an accident.However, how much you actually pay for coverage can vary based on several factors, such as your age, driving history, credit score, ZIP code and the type of car you drive.Cheapest car insurance companies in TennesseeTravelers provides the lowest full coverage rates, for an average cost of $1,657 per year or $138 monthly for a policy with 100/300/100 liability limits and $500 collision and comprehensive deductibles.GEICO also offers affordable insurance coverage to Tennessee drivers at an average cost of $1,673 a year or $139 per month.Although these insurers offer some of the most affordable average rates in Tennessee, your exact insurance cost may vary. Be sure to shop around and compare quotes to get the best deal on auto coverage. Affordable car insurance providers in Tennessee Graph Table Company nameAverage per month costAverage annual costTravelers$138$1,657GEICO$139$1,673Erie Insurance$167$2,004Farm Bureau Insurance of Tennessee$172$2,067Farmers$182$2,190Nationwide$198$2,373Progressive$222$2,661State Farm$256$3,073Allstate$270$3,242USAA*$106$1,271*USAA is only available to military community members and their families.Powered by: *USAA is only available to military community members and their families.Powered by: Tennessee car insurance calculator Tell us about your car to get an estimate. 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Please select a different vehicle. Matching results for your vehicle Add another vehicle Add a vehicle to Compare!!! Acura Integra Tennessee Vehicle details Vehicle year 2024 Style 2WD 4 Door Hatchback Automatic Turbo State Tennessee Cylinders 4 Make & model Acura - Integra Vehicle type Luxury Car Your estimated rate State Minimum$586/year Liability coverage$876/year Full Coverage$2,401/yearRecommended Get quotes Get quotes Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? Select age 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2015 to 2024. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day and drives 10,000 miles annually, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates include uninsured/underinsured motorist coverage (since some states require it, we include it for all states) and PIP or Medical Payments if required by state law. This hypothetical driver has a clean record and good credit. For liability-only comparisons, rates reflect the same hypothetical driver but with liability limits of 100/300/100, uninsured/underinsured motorist coverage in matching amounts and PIP or MedPay if required by state law. 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 174 insurance companies across 76 company groups and were averaged across 34,595 ZIP codes covering 29,374 cities and 3,144 counties across 51 jurisdictions. Rates are based on analysis of 4,781 vehicle make-model combinations. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2026Powered by:Average cost of car insurance by coverage levels in TennesseeYour car insurance cost largely comes down to the coverage limits you pick.If you’re just looking to meet the state’s minimum requirements, you can expect to pay around $43 a month, or about $515 a year. It’s an affordable option, but remember that it only covers liability, so damages to your car won’t be covered.For more complete protection, you may want to go with full coverage instead. Full coverage car insurance includes liability, collision and comprehensive coverage. Collision coverage covers damage to your car from accidents, regardless of fault. Comprehensive coverage protects against non-collision damages, like theft, vandalism and weather events.On average, drivers in Tennessee pay around $184 per month, or roughly $2,214 a year for full coverage. It’s a bit more expensive, but it can be worth the extra cost, especially if your car is new or financed.Coverage limitsAverage annual costState minimum liability-only$515Liability only$623Full coverage$2,214Non-owner state minimum liability$386Powered by: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 citySee rates in your cityChattanoogaClarksvilleKnoxvilleMemphisMurfreesboro Our agents make it hassle-free to get the right quote. Call (844) 814-8854 Ethan Available Now Jack Available Now Robbie Available Now Ellie Available Now Average car insurance cost in Tennessee by cityBecause car insurance rates vary by location, the city you live in also affects how much you pay. If you’re in cities like Memphis, Nashville or Jackson, you’ll likely see higher premiums because of high traffic and accident rates, and greater risk of theft or damage.On the other hand, drivers in cities like Johnson City or Franklin pay significantly low insurance rates, on average between $1,661 and $1,981 a year. Insurers typically charge lower premiums in these cities due to fewer accidents, lower population density, vehicle theft and vandalism rates.CityAverage annual costJohnson City$1,661Franklin$1,981Hendersonville$2,015Knoxville$2,025Chattanooga$2,088Murfreesboro$2,124Clarksville$2,176Jackson$2,204Nashville$2,257Memphis$2,950Powered by:Average car insurance cost in Tennessee by ageInsurers consider age a key risk factor when determining car insurance rates. Our data shows that young drivers typically pay higher premiums due to their limited experience behind the wheel.Generally, rates are highest for teens, begin to drop after age 25 and rise again once drivers reach their early 70s.Let’s take a closer look at how much you might pay in Tennessee for a full coverage policy based on your age and gender.Average car insurance cost in Tennessee for young driversIf you’re a young driver, you can expect to pay above average premiums. Insurers see young drivers as high-risk, which means higher premiums until you gain more experience behind the wheel.For instance, 20-year-old male drivers in Tennessee pay an average of $5,161 per year for car insurance, while females of the same age pay $4,221.But by the time you turn 25, insurance premiums drop to $2,756 a year on average for male drivers and $2,580 for female drivers.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$5,161$4,22121$4,118$3,45522$3,696$3,18923$3,391$2,98424$3,097$2,799Powered by:Average car insurance cost in Tennessee for adult driversOn average, an adult male driver in Tennessee pays $2,241 a year for full coverage or $187 per month. Women pay $2,157 a year or $180 per month for the same coverage.However, exact rates can vary widely from driver to driver, so it’s helpful to compare quotes to find the best price for your vehicle.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers25$2,756$2,58030$2,408$2,35535$2,325$2,28740$2,234$2,19345$2,176$2,12650$2,077$1,97655$1,981$1,85860$1,963$1,841Powered by:Average car insurance cost in Tennessee for senior driversIf you’re a senior driver, your car insurance costs go up as you get older. At age 65, men pay about $1,991 per year, while women pay $1,861. But by age 70, average premiums rise to $2,139 for men and $1,986 annually for women. At 75, rates increase even further – $2,411 for male drivers and $2,187 for female drivers.Insurers charge more because older drivers are seen as a higher risk due to slower reaction times and changes in vision. But you can still keep costs down by maintaining a clean driving record and taking advantage of senior discounts.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,991$1,86170$2,139$1,98675$2,411$2,187Powered by:Minimum car insurance requirements in TennesseeWhether you’re buying insurance for the first time or moving to a new state, understanding the required liability limits in Tennessee can help you avoid fines and make smarter choices about your coverage.Drivers in Tennessee must carry at least the following minimum coverage limits to meet the state’s legal requirements:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in TennesseeInsurance premiums vary significantly depending on the type of vehicle you drive. Cars that are more expensive to repair, have higher theft rates, or are statistically involved in more accidents typically cost more to insure. On the other hand, vehicles with excellent safety ratings, affordable repair costs, and fewer claims history tend to have lower insurance premiums.GMC Savana has the lowest premium, at an average of $2,084 a year, closely followed by Honda CR-V, with an average annual car insurance cost of $2,116.The table below shows the cheapest cars to insure and their average annual rates.Make ModelAverage annual premiumGMC Savana$2,084Honda CR-V$2,116Honda HR-V$2,171Jeep Wrangler$2,180Volkswagen Tiguan$2,183Subaru Outback$2,189Mazda CX-5$2,193Chevrolet Express$2,195Hyundai Venue$2,199Hyundai Santa Fe$2,201Powered by:Most expensive cars to insure in TennesseeMaserati Quattroporte tops the list as the most expensive car to insure in Tennessee, at an average annual cost of $8,096. Below is a list of the most expensive vehicles to insure in Tennessee and their average annual premiums.Make ModelAverage annual premiumMaserati Quattroporte$8,096Maserati Ghibli$7,609BMW M8 Gran Coupe$6,968Audi e-tron GT$6,961Audi RS7$6,712Nissan GT-R$6,613Porsche Taycan$6,437BMW i7$6,363Porsche Taycan Cross Turismo$6,342Porsche 911 GT3$6,306Powered by:Car insurance costs can vary significantly depending on where you live and your personal profile. The smartest way to get the right coverage at a good price is to shop around and compare quotes from multiple insurers. Taking the time to do a little research can end up saving you a lot on your premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2025 car insurance data. Our team of data analysts and expert editors has analyzed 78,451,280 insurance quotes from 170 insurance companies across 34,588 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male and female drivers with a clean driving record and a good insurance score. Quotes premiums are for different coverage limits, includingFull coverage policy limits of $100,000 per person for bodily injury, $300,000 total for all bodily injuries per accident and $100,000 for property damage per accident.State minimum limitsLiability-only policy with limits of $50,000 per person for bodily injury, $100,000 in bodily injury per accident and $100,000 for property damage per accident.We also collected average car insurance rates for drivers of different age groups:Teen drivers aged 16-19Young drivers aged 20-24Adult drivers aged 25-60Senior drivers aged 65-75The quoted insurance rates are for comparison purposes, and your rates may vary.78.5MQuotes reviewed170No. of carriers analyzed34.5KZIP codes analyzedHow much is car insurance in other statesAlaska$2,215/YearAlabama$2,107/YearArkansas$2,723/YearArizona$2,333/YearCalifornia$3,010/YearColorado$3,222/YearConnecticut$2,726/YearDelaware$3,097/YearFlorida$3,852/YearGeorgia$2,739/YearHawaii$1,721/YearIowa$2,228/YearIdaho$1,791/YearIllinois$1,901/YearIndiana$1,856/YearKansas$2,410/YearKentucky$2,976/YearLouisiana$4,180/YearMassachusetts$2,430/YearMaryland$2,273/YearMaine$1,701/YearMichigan$3,146/YearMinnesota$2,561/YearMissouri$2,410/YearMississippi$2,455/YearMontana$2,541/YearNorth Carolina$2,587/YearNorth Dakota$2,079/YearNebraska$2,387/YearNew Hampshire$1,650/YearNew Jersey$2,736/YearNew Mexico$2,486/YearNevada$3,284/YearNew York$2,898/YearOhio$1,739/YearOklahoma$2,705/YearOregon$1,927/YearPennsylvania$2,428/YearRhode Island$2,706/YearSouth Carolina$2,367/YearSouth Dakota$2,635/YearTexas$2,631/YearUtah$2,250/YearVirginia$1,837/YearVermont$1,504/YearWashington$2,175/YearWisconsin$2,026/YearWest Virginia$2,557/YearWyoming$1,984/YearShow more states No matches are found Shivani GiteContributing Writer | . .Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. 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Most and least expensive models to insure Average car insurance rates by age and gender 1/1 On this page Average car insurance cost in TennesseeCheapest car insurance companies in TennesseeAverage cost of car insurance by coverage levels in TennesseeAverage car insurance cost in Tennessee by cityAverage car insurance cost in Tennessee by ageMinimum car insurance requirements in TennesseeCheapest cars to insure in TennesseeMost expensive cars to insure in TennesseeMethodology ZIP Code Please enter valid ZIP See rates 1-833-708-5453