Tennessee Auto Insurance (2024)
You can get cheap Tennessee auto insurance if you only need liability coverage, averaging $45/mo. However, comparing car insurance quotes in TN is the best way to get the lowest rates. Below, we'll help you find the cheapest car insurance in Tennessee, including the best coverage rates in Nashville.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 2, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- All drivers in Tennessee must carry bodily injury and property damage liability insurance
- Nashville and Memphis have some of the most expensive auto insurance rates in Tennessee
- Drivers should compare Tennessee insurance quotes from multiple companies to find the best price
Tennessee residents searching for cheap auto insurance can often save money by comparing rates from different companies. On average, you can expect to pay around $45 monthly for minimum liability insurance in Tennessee.
However, every Tennessee driver needs different types of auto insurance coverage, so it’s important to see how the best auto insurance companies vary in price based on your personal factors.
In this guide, we compare Tennessee auto insurance rates by city, driving record, and coverage type. Continue reading to find out which company truly has the cheapest car insurance in Tennessee based on your individual needs.
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Finding Affordable Tennessee Auto Insurance
A company that your friend recommends as being affordable for Tennessee car insurance may not actually be affordable for you, as rates vary drastically from driver to driver. To help you get an idea of what companies may be a good fit for you price-wise, we’ve broken down company rates by different driver categories.
Tennessee Minimum Coverage Auto Insurance Rates
Those looking to save on insurance for older cars that aren’t worth much may consider just carrying the minimum of insurance required in Tennessee. Rates generally range in price by a few hundred dollars between the cheapest and most expensive companies.
Liability Auto Insurance Average Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $87 |
| Farmers | $139 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
State Farm and Geico have some of the most expensive average insurance rates for minimum coverage in Tennessee. If you want to lower your auto insurance, you may want to get car insurance quotes from the cheaper companies on the list above.
Tennessee Full Coverage Auto Insurance Rates
Full coverage auto insurance costs more, as it includes comprehensive and collision insurance in addition to the required liability insurance in Tennessee. However, drivers are much better protected from financial losses than with just liability insurance. In addition, full coverage doesn’t have to be too expensive if drivers take the time to compare rates.
Full Coverage Auto Insurance Rates From Top Providers
| Insurance Company | Monthly Rates |
|---|---|
| Allstate | $160 |
| American Family | $117 |
| Auto-Owners | $33 |
| Farmers | $87 |
| Geico | $80 |
| Liberty Mutual | $174 |
| Nationwide | $115 |
| Progressive | $105 |
| State Farm | $86 |
| Travelers | $99 |
| USAA | $59 |
| U.S. Average | $119 |
State Farm is one of the cheapest companies on average for full coverage insurance in Tennessee, with Geico coming in a close second.
How Accidents Affect Tennessee Auto Insurance Rates
At-fault accidents negatively affect your rates, even if you pick a cheaper company. However, you can try to lower the increased amount you have to pay by switching companies if you find your rates become too high.
Full Coverage Auto Insurance Monthly Rates: One Accident vs. Clean Record
| Insurance Company | One Accident | Clean Record |
|---|---|---|
| AAA | $220 | $180 |
| Allstate | $225 | $166 |
| American Family | $176 | $116 |
| Farmers | $198 | $140 |
| Geico | $132 | $95 |
| Hartford | $230 | $175 |
| Liberty Mutual | $234 | $177 |
| Nationwide | $161 | $140 |
| Progressive | $186 | $120 |
| State Farm | $150 | $105 |
| Travelers | $200 | $160 |
| U.S. Average | $172 | $123 |
State Farm and USAA once again remain some of the cheapest companies if you have an at-fault accident on your record, costing significantly less than other companies.
How DUIs Affect Tennessee Auto Insurance Rates
DUIs are another driving offense that drastically affects how much you pay for car insurance. However, how much you pay in rates after a DUI depends upon your choice of company.
Full Coverage Auto Insurance Monthly Rates by Driving Record
| Insurance Company | One Accident | One DUI | One Ticket | Clean Record |
|---|---|---|---|---|
| AAA | $220 | $240 | $220 | $180 |
| Allstate | $225 | $225 | $195 | $166 |
| American Family | $176 | $176 | $131 | $116 |
| Farmers | $198 | $198 | $176 | $140 |
| Geico | $132 | $132 | $125 | $95 |
| Hartford | $230 | $250 | $215 | $175 |
| Liberty Mutual | $234 | $234 | $217 | $177 |
| Nationwide | $161 | $161 | $175 | $140 |
| Progressive | $186 | $186 | $160 | $120 |
| State Farm | $150 | $102 | $138 | $105 |
| Travelers | $200 | $139 | $205 | $160 |
| U.S. Average | $172 | $173 | $152 | $123 |
While Farmers is one of the more expensive companies for basic liability insurance, it is one of the cheapest providers of auto insurance for drivers with a DUI. In contrast, Geico and USAA are some of the more expensive companies after a DUI offense, even though they are generally cheaper for basic policies.
Credit Score and Tennessee Auto Insurance
Bad credit scores negatively affect drivers’ insurance rates if their insurance company uses credit scores as a rating factor. This is because drivers with bad credit scores are more likely to miss payments and end up driving illegally without insurance.
Full Coverage Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Poor Credit | Fair Credit | Good Credit |
|---|---|---|---|
| AAA | $245 | $165 | $135 |
| Allstate | $296 | $197 | $166 |
| American Family | $203 | $136 | $116 |
| Farmers | $269 | $161 | $140 |
| Geico | $148 | $100 | $82 |
| Hartford | $230 | $155 | $120 |
| Liberty Mutual | $355 | $226 | $177 |
| Nationwide | $166 | $133 | $120 |
| Progressive | $206 | $138 | $109 |
| State Farm | $200 | $118 | $91 |
| Travelers | $194 | $128 | $107 |
| U.S. Average | $226 | $148 | $123 |
State Farm and Allstate are some of the worst companies to pick if you have a bad credit score, costing thousands of dollars more on average. On the other hand, companies like Geico and USAA are some of the best auto insurance companies for bad credit.
Tennessee Auto Insurance Rates for Young Drivers
Young drivers are often charged the highest insurance rates due to their inexperience on the road. This leads to many people asking how to find cheap car insurance for young drivers.
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— AutoInsurance.org (@AutoInsurance) August 11, 2023
While the cheapest option is to join a parent’s policy, young drivers shopping for their own insurance policy will notice huge discrepancies in rates between companies.
Full Coverage Auto Insurance Monthly Rates for Teen Drivers
| Insurance Company | 16-Year-Old Female | 16-Year-Old Male | 18-Year-Old Female | 18-Year-Old Male |
|---|---|---|---|---|
| Allstate | $608 | $638 | $448 | $519 |
| American Family | $390 | $480 | $288 | $390 |
| Farmers | $778 | $742 | $573 | $603 |
| Geico | $298 | $312 | $220 | $254 |
| Liberty Mutual | $716 | $778 | $528 | $633 |
| Nationwide | $411 | $476 | $303 | $387 |
| Progressive | $801 | $814 | $591 | $662 |
| State Farm | $311 | $349 | $229 | $284 |
| Travelers | $709 | $897 | $523 | $729 |
| U.S. Average | $558 | $610 | $411 | $496 |
Young drivers should avoid Progressive and Allstate, where average rates are well over $5,000 per year. Instead, they should shop at cheaper companies like USAA and Geico.
Tennessee Auto Insurance Rates by City
The area where your vehicle is parked every night has a huge impact on your rates. From crime to weather conditions, where you live affects your odds of filing a claim.
Memphis and Nashville have some of the most expensive insurance rates on average. If you live in one of Tennessee’s major cities, make sure to shop around to ensure you’re getting the best rates possible. For example, researching Memphis auto insurance from multiple local companies will let you see which one can save you the most money.
Tennessee Auto Insurance Laws
A state’s laws can affect how much you pay for auto insurance and make it harder to find the cheapest car insurance, as certain states may require you to carry more insurance coverage or have stricter financial penalties for DUIs. We’ve outlined some of the major laws that affect car insurance prices in Tennessee below.
Tennessee Auto Insurance Requirements
All Tennessee drivers must purchase bodily injury liability insurance and property damage liability insurance to drive legally in Tennessee. The minimum limits they must purchase for each coverage are as follows:
- Bodily injury: $25,000 per person and $50,000 per accident
- Property damage: $15,000 per accident
If you can afford to do so, we recommend carrying higher limits than what Tennessee requires. This is because if the damage costs exceed the limits, you will have to pay the rest, which can be financially impossible for some drivers. For more on property damage liability insurance, check out the best property damage liability auto insurance companies.
Optional Tennessee Auto Insurance Coverage
Besides bodily injury and property damage liability insurance, Tennessee doesn’t legally require drivers to carry any other car insurance coverages. This means that the following coverages are optional for most drivers:
- Comprehensive auto insurance
- Collision auto insurance
- Gap insurance
- Modified car insurance
- Non-owner auto insurance
- Rental car reimbursement insurance
- Roadside assistance
- Uninsured motorist coverage
- Underinsured motorist coverage
- Umbrella insurance
If you have a lease or loan on your vehicle, your lender will likely require you to carry comprehensive and collision insurance on your vehicle in order to fully protect their asset.
DUI Penalties in Tennessee
No matter what state you live in, DUIs are a serious driving offense. DUIs in Tennessee can result in a number of penalties, such as:
- Fines
- Ignition interlock device (IID)
- Increased insurance rates
- Jail time
- License suspension
- Probation and substance abuse treatment
- SR-22 certificate
Penalties will increase in severity for each subsequent DUI offense. For example, your vehicle might be seized after your second DUI, and you will have to pay multiple fines and fees to get it back.
Tennessee SR-22 Auto Insurance Certificates
SR-22 auto insurance is required in Tennessee. SR-22 certificates are a way to ensure that high-risk drivers are carrying the required insurance coverages in Tennessee. Your insurance company will submit the certificate to government authorities, so if you need an SR-22 certificate, let your insurance company know.
If your insurance company drops you for being a high-risk driver or you don’t have insurance, your new insurance company may charge a small fee for filing your SR-22 certificate.
Keep in mind that even if you don’t own a car, you will need to get an SR-22 certificate if requested. You can purchase non-owner car insurance in order to meet Tennessee’s insurance requirements.
Find Cheap Tennessee Auto Insurance Coverage Today
Tennessee drivers can find cheaper rates for car insurance by looking carefully at how a company’s rates change based on a driver’s records. A driver with a DUI won’t find the same cheap rates at the same company that a driver with a clean record signed up with. Read more about auto insurance for drivers with a DUI.
If you’re ready to start shopping, enter your ZIP code into our free quote comparison tool below to find the best cheap car insurance in Tennessee based on your area and driving record.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
Does Tennessee have cheap auto insurance?
Your monthly Tennessee insurance rate will depend on your driving record, choice of an insurance company, and more. However, expect to pay around $107 monthly for Tennessee car insurance, about $12 cheaper than the national average.
What is the average cost of car insurance in Tennessee?
The average cost of car insurance in Tennessee tends to be about $100 per month for most drivers. However, this price will vary depending on how much coverage a driver chooses and their personal driving record.
Which company has the cheapest car insurance in Tennessee?
Some of the companies that drivers should look into for cheap car insurance in Tennessee include State Farm, USAA, and Geico.
Is Tennessee a no fault insurance state?
No, Tennessee auto insurance laws follow a “tort” or fault-based model where drivers who cause the accident are responsible for covering medical costs and property damage.
Is it illegal to drive in Tennessee without insurance?
It is illegal to drive without car insurance in Tennessee. You face fines of $300 or more and license suspension.
What auto insurance is required in Tennessee?
Tennessee drivers must carry at least 25/50/25 in liability coverage to drive legally.
Does Tennessee require full coverage insurance?
While minimum coverage is required, drivers do not need to carry full coverage in Tennessee unless the terms of their loan or lease require it. However, it’s recommended to carry higher limits to avoid financial burden in case of an accident.
How much is car registration in Tennessee?
Tennessee vehicle registration costs between $86 and $89, depending on if you also need a new license plate or just a decal.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.