Cheapest Auto Insurance Tennessee
Because insurance coverage rates are cheaper in Tennessee than the national average, you have a good chance at finding great car insurance in Tennessee at excellent rates.
Here, we’ll look at the cheapest car insurance companies and coverage options in the state, beginning with the most affordable providers and coverage options.
Cheapest Car Insurance Companies Tennessee
In addition to finding providers that offer cheap car insurance in Tennessee, it’s important to consider each company’s coverage offerings, customer service ratings and more to make an informed decision. Based on our research, we name USAA, State Farm, Geico and Tennessee Farmers the cheapest options for Tennessee drivers.
*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Tennessee.
Cheapest Car Insurance Coverage in Tennessee
Coverage level will impact how much you pay for auto insurance. Many quotes from providers include estimates for minimum liability and full coverage car insurance. While minimum liability is all that is required, it’s a good idea for drivers to consider full coverage auto insurance.
Below are the cheapest auto insurance options in Tennessee for both coverage types.
Cheapest Liability Car Insurance in Tennessee
When it comes to minimum coverage car insurance, the average estimate for Tennessee drivers is around $415 per year, or $35 per month. That is more than 35% cheaper than the national average for a minimum coverage policy.
The table below shows the providers with the cheapest minimum coverage estimates in Tennessee:
Cheapest Full Coverage Car Insurance in Tennessee
Car insurance rates in the Volunteer State are 26% lower than the national average. That means the cheapest car insurance in Tennessee is among the most affordable in the country. We at the Guides Auto Team found full coverage estimates for as little as $797 per year, or $66 per month from USAA. The table below shows the providers with the lowest rates in Tennessee for full coverage.
Cheap Car Insurance in Tennessee
Age, driving history and a person’s credit scores can have a huge impact on the cost of car insurance in Tennessee. Below we compare cheap car insurance estimates for Tennessee drivers in these categories.
Cheapest Car Insurance for Young Drivers in Tennessee
Age has a big factor on how much you will pay for car insurance. Below are tables on how much a young driver might pay for car insurance in Tennessee.
Cheapest Tennessee Car Insurance for 16-Year-Olds
Erie Insurance tends to offer the cheapest car insurance for 16-year-old drivers in Tennessee, with an estimated rate of $2,988 per year, or $249 per month. The average estimated rate for 16-year-old Tennessee drivers is $7,703 per year, or $642 per month. That’s 316% more than the state average for 35-year-old drivers.
Cheapest Tennessee Car Insurance for 17-Year-Olds
In Tennessee, Erie Insurance typically offers the lowest estimates for 17-year-old drivers, with an average estimate of $2,706 per year, or $226 per month. The average estimate for car insurance in Tennessee for a 17-year-old driver is $6,051 per year, or $504 per month. This is 227% more than the average estimate for a 35-year-old driver in the state.
Cheapest Tennessee Car Insurance for 18-Year-Olds
For those who are eligible, USAA tends to offer the cheapest coverage for 18-year-old drivers in Tennessee at an average estimate of $2,488 per year, or $207 per month. The average estimate for 18-year-old Tennessee drivers is $5,414 per year, or $451 per month. This is 193% more than the average rate estimate for a 35-year-old driver in Tennessee.
Cheapest Tennessee Car Insurance for 21-Year-Olds
USAA tends to offer the cheapest car insurance for 21-year-old Tennessee drivers, with an average estimate of $1,279 per year, or $107 per month. For these drivers, the average rate estimate is $2,965 per year, or $247 per month. This is around 55% more than the average estimate for 35-year-old drivers in Tennessee.
Cheapest Tennessee Car Insurance for 25-Year-Olds
In Tennessee, 25-year-old drivers can typically find the cheapest insurance with USAA, which offers an estimated rate of $1,008 per year, or $84 per month. The average estimate for 25-year-old drivers in Tennessee is $2,132 per year, or $178 per month. This is 15% more expensive than the average estimate for 35-year-old drivers in the state.
Cheapest Tennessee Car Insurance for High-Risk Drivers
People who have a DUI, speeding ticket or recent accident can expect to pay more for car insurance than other drivers. Below are some estimated car insurance costs for people who fall under those categories.
Cheapest Tennessee Car Insurance for Drivers With a Speeding Ticket
Safe driving goes a long way when you’re trying to keep the cost of car insurance low. Drivers with a speeding ticket on their record pay an average of $1,468 per year for car insurance in Tennessee.
Cheapest Tennessee Car Insurance for Drivers With a Recent Accident
You can expect your car insurance costs to increase if you’ve been in a recent accident. On average, Tennessee drivers with an accident on their record pay $1,783 per year for coverage.
Cheapest Tennessee Car Insurance for Drivers With a DUI
Having a DUI conviction on your driving record can cause your car insurance rates to skyrocket. Tennessee drivers with a DUI pay about $1,894 per year for coverage on average.
Cheapest Tennessee Car Insurance for Drivers With Poor Credit
Drivers with poor credit scores pay some of the highest car insurance premiums in the state of Tennessee. On average, those with bad credit pay about $2,496 per year.
Best Cheap Car Insurance Tennessee
For those who would like to know about the cheapest auto insurance in the Volunteer State, the sections below contain more detailed information:
#1 USAA: Low Rates for Military
J.D. Power regional rating: 890/1,000
AM Best financial strength rating: A++
Better Business Bureau (BBB) rating: A+
With some of the lowest average rates for many types of Tennessee drivers, USAA is our top provider in the state. The company also received the highest customer satisfaction score in the J.D. Power 2021 U.S. Auto Insurance Study℠. Although coverage is only available for military members, veterans and their families, it can be a great choice for those who qualify.
Keep reading: USAA insurance review
#2 State Farm: Most Popular Provider
J.D. Power regional rating: 859/1,000
AM Best financial strength rating: A++
BBB rating: A+
State Farm has been offering quality insurance products since 1922. It’s the largest auto insurance company in the U.S., and it can be a strong coverage option for Tennessee drivers in particular. State Farm offers low average rates across the board, especially for teen drivers and high-risk drivers in Tennessee.
Keep reading: State Farm insurance review
#3 Geico: Editor’s Choice
J.D. Power regional rating: 843/1,000
AM Best financial strength rating: A++
BBB rating: A+
Geico is our review team’s top choice for car insurance nationwide, and it can be a smart choice for many Tennessee drivers. The insurer has strong industry ratings from AM Best and the BBB, indicating you can rely on it to pay claims out and resolve issues. Geico is known for its affordable average rates, extensive coverage options and range of discount opportunities.
Keep reading: Geico insurance review
#4 Tennessee Farmers: Strong Local Coverage
J.D. Power regional rating: 883/1,000
AM Best financial strength rating: A+
BBB rating: A+
As the largest state farm bureau organization in the country, Tennessee Farmers provides coverage for one in four people in the state. The local insurer has been providing insurance products since 1948 and has a positive industry reputation, with an A+ rating from both the BBB and AM Best.
You’ll need to become a member of the Tennessee Farm Bureau to qualify for coverage, but the process is simple and requires only a $30 membership fee.
Average Car Insurance Cost Tennessee
According to our data, Tennessee drivers pay an average of $1,281 per year, or $107 per month for full coverage insurance. This is nearly 26% lower than the national average of $1,730 per year, making Tennessee one of the cheaper states for car insurance.
Cost of Car Insurance in Tennessee by City
Car insurance costs vary between states, but even within Tennessee you’ll find rates vary between different cities and ZIP codes, too. This table shows the average full coverage rate estimates for the 25 most populated cities and towns in Tennessee.
Cost of Car Insurance in Tennessee by Age
A driver’s age is perhaps the single biggest cost factor in car insurance. Younger drivers and especially teen drivers pay substantially higher premiums than drivers from other age groups. The table below shows the average full coverage rate estimates for Tennessee drivers of different ages.
Car Insurance Cost Factors in Tennessee
Your rates will vary from the estimates you’ll see in this article. That’s because car insurance companies in Tennessee and elsewhere base their rates on several variables pertaining to you and your vehicle.
These are the most important factors car insurance providers use to calculate your rates:
- Age
- Marital status
- Driving record
- Gender listed on your license
- Credit score
- Location
Tennessee Car Insurance Requirements
Tennessee law requires drivers to carry liability car insurance in the amounts of 25/50/15. This includes:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
While only liability insurance is mandated by state minimum coverage requirements, it’s a good idea to get a full coverage policy that includes collision coverage, comprehensive coverage and underinsured/uninsured motorist coverage to ensure you’re protected.
Is Tennessee an At-Fault State or a No-Fault State?
Tennessee is an at-fault state. This means the driver who is found to be at fault for an accident will be legally and financially responsible for any damage caused by the accident. The vast majority of states across the country follow at-fault insurance laws, which makes Tennessee car insurance relatively standard.
How To Get Car Insurance in Tennessee
Based on our research, we recommend USAA, State Farm, Geico and Tennessee Farmers as the top choices for auto insurance in Tennessee for their low average rates and positive industry reputations. To get a sense for what you might pay for coverage, reach out to providers to compare car insurance quotes and find the best option for your needs.
Tennessee Car Insurance: The Bottom Line
In this article, we reviewed the cheapest auto insurance companies, coverage and rates in the state of Tennessee. We also looked at average cost of car insurance and coverage requirements in the Volunteer State.
Cheapest Car Insurance in Tennessee: FAQ
Below are some common frequently asked questions about cheap car insurance in Tennessee:
Our Methodology
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
- Cost: Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities were both taken into consideration.
- Coverage: Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.
- Reputation and experience: Our research team considered market share, ratings from industry experts and years in business when giving this score.
- Availability: Auto insurance companies with greater state availability and few eligibility requirements scored highest in this category.
- Customer experience: This score is based on volume of complaints reported by the NAIC and customer satisfaction ratings reported by J.D. Power. We also considered the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.
Our credentials:
- 800 hours researched
- 45 companies reviewed
- 8,500+ consumers surveyed
*Data accurate at time of publication.
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