Best car insurance in Tennessee

Written by Alyssa DiCrasto

Reviewed by Rob Deming

Last updated: August 31, 2023

State Farm, Auto-Owners, and Travelers are among the best and cheapest car insurance companies in Tennessee. However, you may find that another company is better for you based on your profile, vehicle, and coverage needs.

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How much is car insurance in Tennessee?

How much does car insurance cost in Tennessee? The answer depends on a variety of factors, such as the level of car insurance you need, the kind of vehicle you drive, and your profile.

These are the average prices a 35-year-old male driving a 2022 RAV4 would pay annually for state minimum coverage, standard coverage, and premium coverage in Tennessee. Your rates will vary based on your unique driver profile.

Annual rates for a male driving a 2022 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of July 2023. 

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Why you can trust Rate Retriever

Our rates are based on public rate filings obtained by analytics company First Interpreter. While we may partner with some of the carriers you see on our site, we maintain editorial independence and it does not affect the rates you see. Read more about our rating methodology or see our rigorous editorial policy. 

Tennessee car insurance requirements

Tennessee requires two types of car insurance coverage: bodily injury liability and property damage liability. However, many drivers choose to purchase additional coverage types, such as uninsured motorist coverage, to help cover certain costs associated with different types of accidents.

If you’re one of the many drivers who lease or finance their vehicle, check with your lender about any additional insurance they may require. Although not mandated by the state, some lenders may require full coverage auto insurance in Tennessee.

Minimum car insurance requirements – Tennessee

Bodily Injury Liability – $25,000 limit per person/$50,000 limit per accident

Property Damage Liability – $15,000 limit

The best car insurance companies in Tennessee

State Farm, Auto-Owners, and Travelers are the leading insurance providers in Tennessee that offer the cheapest full coverage car insurance policies on average.

It’s important to note that while we have determined the top three companies based on their average affordability for full coverage policies in Tennessee, you may find that other insurance providers will offer you cheaper rates based on your unique driver profile. It’s important to compare personalized rates from multiple insurers to find the best coverage and price combination for your specific needs.

1. State Farm

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State Farm is the leading insurance company in the United States, holding the number 1 spot based on market share. With an impressive AM Best rating of A , State Farm provides reliable coverage to their policyholders. They offer a wide range of discounts, including Good driver, Good Student, Multi-Policy, and Multi-Vehicle discounts, allowing customers to save on their premiums. State Farm’s bundle policies can save policyholders as much as $1,127, providing significant cost savings. With a vast network of over 19,000 insurance agents, State Farm ensures personalized service and support for their customers. State Farm is committed to offering exceptional coverage options and dedicated customer service.

2. Auto-Owners

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Auto-Owners Insurance is a leading insurance company, ranked as the 14th largest in the US based on market share. With an impressive AM Best rating of A , they are known for their financial stability and reliability. Auto-Owners offers a range of discounts to help customers save, including Multi-vehicle, Homeowners bundle, and Early signing discounts. The company also provides Roadside assistance options, ensuring customers receive timely support when needed. Additionally, Auto-Owners offers a Purchase Price Guarantee, providing relief by reimbursing the purchase price of a new car if it is totaled within the first few years.

3. Travelers

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Travelers is a leading insurance company, ranking as the 8th largest in the US based on market share. With an impressive AM Best rating of A , Travelers offers reliable coverage to their policyholders. They provide a variety of discounts, including Multi-policy, Multi-vehicle, Homeowners bundle, Good driver, and Good student discounts, allowing customers to save on their premiums. Travelers stand out with their easy quoting process, providing helpful guidance to policyholders. They also offer roadside assistance and accident forgiveness, ensuring peace of mind on the road. Travelers are committed to providing exceptional service, comprehensive coverage, and support when customers need it the most.

Rates by coverage amount

Cheapest full coverage car insurance in Tennessee

A full coverage car insurance policy offers more complete coverage. It often includes higher liability coverage limits, personal injury protection, comprehensive insurance, and collision insurance. These additional coverages will help cover any damages you or your vehicle sustains in an accident or non-collision incident.

These are the average prices a 35-year-old male driving a 2022 RAV4 would pay a premium full coverage policy in Tennessee. Your rates will vary based on your unique driver profile.

Annual rates for a male driving a 2022 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of July 2023. 

Cheapest minimum car insurance in Tennessee

A minimum car insurance policy in Tennessee includes liability insurance. The required limits are: $25,000 per person/$50,000 per accident for bodily injury liability and $15,000 limit for property damage liability. Tennessee minimum coverage only covers damages you cause to others and their property in an accident. It does not include collision or comprehensive, which cover damages to your own property.

These are the average prices a 35-year-old male driving a 2022 RAV4 would pay annually for state minimum coverage in Tennessee. Your rates will vary based on your unique driver profile.

Annual rates for a male driving a 2022 RAV4, estimated using public rate filings sourced from First Interpreter. Rates do not represent actual quotes. Accurate as of July 2023. 

The best insurance rates in Tennessee

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How to get cheap Tennessee car insurance

Tennessee is a country music lover’s dream state, as it’s home to the Country Music Hall of Fame and Museum, the Grand Ole Opry, and Dollywood. Tennessee also has the beautiful Great Smoky Mountains and provides opportunities for city and country living.Whether you’re thinking about moving to Tennessee or have called it home for a long time, you need car insurance. All drivers are required to carry certain types of auto insurance in Tennessee. A great first step for finding affordable car insurance is to compare quotes from top insurance companies in Tennessee. Fortunately, Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.

A great first step for finding affordable car insurance is to compare quotes from top insurance companies in Tennessee. Fortunately, Rate Retriever can connect you with top insurance providers who may offer affordable policies so you have the coverage you need without breaking the bank.

Tennessee auto insurance shopping made easy

Based on your answers to our short quiz, we’ll estimate how much you’ll pay at each of the top providers near you, so you can find the coverage you need at a price you can afford.

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Tennessee auto insurance by factor

The state you live in is only one of the factors that may impact your car insurance rate.  Each car insurance company has their own formula for calculating rates based on a variety of factors that make up your driver profile.  

Factors that can impact your quoted rates include: 

  • Your demographics including your age, home ownership, marriage status, and more 
  • Your driving history including how long you’ve been driving, traffic violations, and more 
  • Your car including make, model, and year 
  • Your zip code, or where you live within your state 
  • How much coverage you want

Tennessee auto insurance by age

Age is a significant factor that affects car insurance rates. Generally, younger drivers, particularly teenagers and those in their early 20s, tend to face higher premiums due to a lack of driving experience and higher likelihood of being involved in accidents.

Find cheap car insurance for teenagers >

As drivers gain more experience and reach their mid-20s and 30s, insurance rates typically go down. This is because they have had more time to develop their driving skills and establish a track record of safe driving.

However, as drivers enter their senior years, insurance rates may start to increase again. This is primarily due to factors such as decreased vision, slower reaction times, and potential health issues that can impact driving abilities.

Find cheap car insurance for seniors >

Your specific age will impact your car insurance rates, so it’s always a good idea to compare rates from different insurers to find the most cost-effective coverage for you.

Tennessee auto insurance by driving record

Since insurance companies assess your driving history to gauge the level of risk you pose as a driver, your driving record will also factor into your car insurance rates. Various factors within your driving record can impact your rates:

  1. Traffic Violations: Insurance providers consider traffic violations such as speeding tickets, reckless driving, running red lights, and DUI/DWI offenses as indicators of risky driving behavior. The more violations you have on your record, generally the higher your insurance rates will be.

  2. Accidents: Being involved in accidents and filing claims can significantly impact your insurance rates. At-fault accidents tend to have a greater impact compared to accidents where you were not responsible. Multiple accidents or a history of frequent claims can lead to higher premiums.

  3. Claims History: Insurance companies review your claims history to evaluate the likelihood of future claims. If you have a record of filing numerous claims, regardless of fault, insurers may consider you a higher risk and increase your rates accordingly.

  4. License Suspensions or Revocations: If your driver’s license has been suspended or revoked due to violations or other reasons, insurance companies may view you as a high-risk driver, resulting in higher premiums.

  5. Time Since Last Incident: Insurance providers often consider the time since your last traffic violation or accident. Generally, the longer you go without any incidents, the more favorable it is for your insurance rates.

Find cheap car insurance for high-risk drivers in Tennessee >

Tennessee auto insurance by vehicle

The vehicle you drive will also impact your insurance rate. Car insurance providers consider your vehicle’s year, make, model, and trim level to determine your rates. Generally, the higher the value of your car, the more expensive it will be to insure. This means that new cars, electric or hybrid vehicles, and sports cars usually have more expensive insurance than older cars or cars that are less expensive to repair or replace.

Find cheap car insurance by vehicle >

Tennessee auto insurance by credit score

Insurance companies can use credit score as a rating factor in Tennessee. Generally, the better your credit score, the cheaper your rates. In fact, raising your credit score is one way to get cheaper insurance. The national average for a 35-year-old male driver with excellent credit is around $1,040 per year for car insurance, while the average rate for the same driver with good credit is $1,300. Drivers with poor credit pay the highest rate, with a national average premium of around $2,130 per year for the same driver.

In Tennessee, a driver with poor credit can expect to pay $1,200 or more each year for the same policy as a driver with the same profile and good credit.

However, if you have bad credit, you may still be able to find affordable insurance.

Learn more about cheap car insurance with bad credit >

Why is Tennessee auto insurance important?

First, Tennessee car insurance is required by the state and driving without it can result in a fine of up to $100 and a license and vehicle registration suspension. It is important to have the minimum required auto insurance in Tennessee and keep it up to date without a lapse in coverage.

One vital reason to have car insurance in Tennessee is that, depending on your policy and coverage limits, your insurance helps cover certain costs should you get into a car accident. This can reduce the burden of paying for accident-related costs out of pocket, and it can help you have peace of mind while on the road.

Whether you’re interested in the minimum auto insurance required or want more coverage for additional protection, we can connect you with top car insurance providers in Tennessee.

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Methodology

Rate Retriever rates are based on public rate filings obtained by analytics company First Interpreter. This data comes from the rating plans insurance carriers submit to each state’s department of insurance. Rating plans detail how each carrier calculates premiums using factors such as location, age, gender, and driving record, and they ensure that insurance premiums are both fair and competitive. 

For the data on this page, we made the following assumptions: a 35-year-old single male with a clean driving record and Good credit score, driving a 2022 RAV4.  

These rates are not actual quotes and should only be used for comparative purposes. Your rates can vary significantly based on your unique driver profile. 

About Rate Retriever

At Rate Retriever, our mission is to make the way you shop for insurance transparent and fair through user-friendly tools that respect your privacy and deliver reliable, comprehensive results 

So we took everything we hated about comparing insurance quotes online – the spam, the long questionnaires, the limited choices, the inaccuracy of quote prices – and threw it out the window, favoring a short form that more accurately estimates what you’ll pay at each of the top insurance providers near you. 

Rate Retriever is an independent company that is not owned by an insurance provider, nor do we provide insurance ourselves. This independence allows us to be your free and impartial insurance research tool, helping you make the best decisions for your insurance needs.  

We may earn a commission when you click one of the links or call one of the providers listed on our site; however, we do not allow our partnerships to influence which information we provide.