Affordable car insurance in Tennessee

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Average rates at the top car insurance companies in Tennessee

	Company	Average Annual Premium
	State Farm	1,186
	Auto-Owners Insurance	1,243
	Travelers	1,390
	Nationwide	1,413
	Erie Insurance	1,500
	Progressive	1,536
	Geico	1,673
	Farm Bureau Insurance Tennessee	1,800
	Farmers	1,876
	Grange Insurance	1,916
	Allstate	2,023
	Safeco Insurance	3,463

Based on a premium coverage policy for a 35-year-old male driving a 2022 RAV4. Accurate as of February 2023.

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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Average annual cost of car insurance in Tennessee

How much does car insurance cost in Tennessee? 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.

Coverage Type	Minimum	Standard	Premium
Average Annual Cost	416	1,370	1,396

Carrier	Minimum	Standard	Premium
Allstate	756	2,016	2,023
Auto-Owners Insurance	306	1,203	1,243
Erie Insurance	426	1,500	1,500
Farm Bureau Insurance Tennessee	466	1,710	1,800
Farmers	790	1,836	1,876
Geico	443	1,550	1,673
Grange Insurance	1,093	2,226	1,916
Nationwide	740	1,440	1,413
Progressive	593	1,490	1,536
Safeco Insurance	513	3,353	3,463
State Farm	296	1,126	1,186
Travelers	556	1,370	1,390

Annual rates based on a 35-year-old male driving a 2022 RAV4. Accurate as of February 2023.

Helping residents of Tennessee find affordable insurance

You’re one-of-a-kind. Your insurance should be too. Our quiz is designed to help you find insurance that meets your unique needs at a price you can afford.

Why you can trust Rate Retriever

Everything we do, we do with your best experience in mind. This means delivering the information you want and need to make confident insurance decisions. While we may partner with some of the carriers you see on our site, we maintain editorial independence and commit to a 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.

Additionally, 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.

It’s important for residents to know car insurance requirements in Tennessee. The following are the coverage types and limit amounts Tennessee requires; however, these minimums are just a starting point. You may want to consider increasing your coverage limits or purchasing additional coverage for further protection.

Minimum car insurance requirements - Tennessee

Bodily Injury Liability

To cover injury or death related expenses in an accident when you’re at fault – $25,000 limit per person/$50,000 limit per accident

Property Damage Liability

To cover property damage expenses in an accident when you’re at fault – $15,000 limit

The top insurers in Tennessee

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.

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.

Another 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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What other factors impact your auto insurance rate?

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

The best insurance rates in Tennessee

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Sources

Consumer Federation of America

Methodology

The rates on this page are estimated based on the rating plans insurance carriers have submitted to each state’s department of insurance. An insurance carrier’s rating plan details how the company uses certain characteristics to assign different rates to different people. We use the same data sources to power our comparison tools.

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 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.