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 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: December 18, 2025 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 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 has the cheapest rates, at an average annual cost of $1,657 or $138 a month for a full coverage policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.GEICO also stands out for its affordable premiums, with an average cost of $139 per month or $1,673 annually.While these insurance companies have some of the lowest average rates in Tennessee, your actual premium may vary. It’s always a good idea to compare quotes to find the best deal on auto insurance. 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: 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 MinimumNA* Liability coverage$1,082/year Full Coverage$2,789/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? 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 - + Note: It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2021 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. 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 six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Data last refreshed in 2025Powered by:Average cost of car insurance by coverage levels in TennesseeYour car insurance premium is determined by the coverage limits you choose.If you purchase only the state’s minimum liability limits, you’ll pay $43 per month or $515 annually. While an affordable option, it only includes liability coverage. That means any damage to your own vehicle won’t be covered.If you’re looking for more robust protection, consider choosing full coverage car insurance. It includes liability coverage, plus collision and comprehensive insurance. Collision coverage covers damage to your vehicle in an accident, no matter who’s at fault. Comprehensive insurance covers theft, vandalism or weather-related damage to your car.In Tennessee, drivers typically pay $184 per month or $2,214 annually for full coverage car insurance.Although it costs more than minimum coverage, full coverage can be a smart choice -particularly if you have a newer or financed vehicle.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 ageAge is one of the most important factors insurers consider when pricing car insurance. Young drivers usually pay more because insurers see them as higher risk due to their limited experience behind the wheel.Premiums are typically most expensive for teens, begin to decrease after age 25, and then rise again as drivers enter their 70s.Here’s a breakdown of what you might pay for full coverage in Tennessee, based on age and gender.Average car insurance cost in Tennessee for young driversIf you’re a younger driver, expect to pay higher premiums on your car insurance.Insurers consider young drivers risky because of the increased risk that comes with limited driving experience.For instance, a 20-year-old male driver in Tennessee pays an average of $5,161 annually for car insurance, compared to $4,221 for a female driver of the same age.By age 25, car insurance premiums typically decrease to $2,756 per year for male drivers and $2,580 for female drivers. While still slightly above average, it’s a substantial drop from what drivers pay in their early 20s.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 driversAn adult driver aged 25-60 in Tennessee pays $2,241 annually for full coverage, or around $187 each month. Women in the same age group pay $2,157 per year or $180 per month.Since rates vary based on driving profile, comparing quotes is the best way to make sure you’re getting the best deal on your coverage.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 driversCar insurance premiums tend to rise for older drivers. At age 65, men typically pay $1,991 annually, while women pay $1,861.By 70, average rates go up to $2,139 for men and $1,986 for women. At age 75, costs increase further, reaching $2,411 for men and $2,187 for women each year. Insurers often raise rates for older drivers due to age-related risks like slower response times and declining vision.However, you can still lower your premium by keeping 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 your first insurance policy or just moved to Tennessee, it’s important to understand the state’s car insurance requirements.To stay on the right side of the law, drivers in Tennessee must carry at least the following minimum liability coverage:Bodily injury per person: $25,000Bodily injury per accident: $50,000Property damage liability: $25,000Cheapest cars to insure in TennesseeYour car’s make and model can significantly impact its insurance costs. Vehicles that are expensive to repair or have higher theft or accident rates typically come with higher premiums. On the other hand, vehicles with high safety ratings and affordable repairs are more affordable to insure.GMC Savana tops the list for cheapest car to insure in Tennessee at an average cost of $2,084 a year, followed closely by Honda CR-V at $2,116 per year.The table below outlines the vehicles with the lowest insurance costs.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 stands out as the most expensive car to insure in Tennessee, with an average annual cost of $8,096.The table below shows the most expensive vehicles to insure in Tennessee along with their average annual insurance costs.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 rates can differ widely based on your location and driving profile. The best way to find the right coverage at the best price is to compare quotes from at least three insurance companies. Shopping around can help you save money on your car insurance premiums.MethodologyInsure.com commissioned Quadrant Information Service to get 2023 car insurance data. Our team of data analysts and expert editors has analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes to determine the average premiums. The insurance rates are based on a sample profile of a 40-year-old male driver 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:Young drivers aged 20-24Adult drivers aged 25-26Senior 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. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. 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How much used car insurance costs: 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 (844) 645-3330