- The average cost of car insurance in Tennessee is $1,677 a year or $140 per month, based on our data analysis.
- Minimum liability coverage in Tennessee costs around $442 annually for limits of 25/50/25, while liability-only coverage costs $547 per year for limits of 50/100/50.
- Tennessee Farmers provides the most affordable annual rates for full coverage car insurance in Tennessee, costing $1,355 per year.
- In Tennessee, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 33%, a DUI raising rates by 62%, and an at-fault accident by up to 55%.
Car insurance costs in Tennessee vary greatly depending on various factors, including the type of coverage you choose, coverage limits, your address and personal factors. Tennessee Farmers offers the cheapest annual rates for full coverage car insurance in Tennessee at $1,355 annually.
This comprehensive guide to buying car insurance for Tennessee drivers is based on data research and expert advice from CarInsurance.com’s team of insurance analysts and editors. We spent countless hours doing the homework for you and analyzed rates for various driver demographics to show you what you can expect to pay.
Keep reading to learn how auto insurance in Tennessee works and how much insurance you need.
How much is car insurance in Tennessee?
CarInsurance.com data found that drivers in Tennessee pay $140 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Tennessee based on driver profile:
- Teen drivers in Tennessee pay the most — about $475 a month or $5,696 a year.
- Young drivers in their 20s pay an average of $226 monthly or $2,715 annually, for car insurance.
- Senior drivers pay around $139 monthly or $1,670 a year.
- A speeding ticket can increase your rates to $194 monthly or $2,324 annually.
- An at-fault accident increases car insurance rates to $219 a month or $2,623 a year.
- Poor credit drivers usually see their car insurance costs increase to $308 monthly or $3,700 annually.
Average cost of auto insurance in Tennessee by coverage level
In Tennessee, the cost of car insurance can vary depending on how much coverage you purchase. Tennessee drivers need at least the minimum insurance coverage limits of 25/50/25 to legally drive.
Liability-only insurance policies are the most affordable option and provide the minimum coverage required in Tennessee. However, they don’t offer much protection.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
On the other hand, full coverage car insurance is more expensive, but it offers extensive protection. It helps cover your vehicle in case of accidents, theft, natural disasters, and animal collisions. Full coverage can make you feel more secure, knowing you’re well-protected if something happens.
Full coverage car insurance comprises liability, comprehensive, collision and any other coverage required by your state.
In the table below, see the car insurance premiums in Tennessee for three different coverages.
| Coverage Level | Avg. Monthly Cost | Avg. Annual Cost |
|---|---|---|
| State Minimum – Liability Only BI/PD | $37 | $442 |
| Liability Only – 50/100/50 BI/PD | $46 | $547 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $140 | $1,677 |
State minimum car insurance in Tennessee
In Tennessee, minimum car insurance requirements include $25,000 of bodily injury liability per person, $50,000 of bodily injury liability per accident and $25,000 of property damage liability.
The state minimum coverage in Tennessee costs $442 a year but doesn’t provide much protection for drivers. Tennessee drivers may purchase additional coverage, such as comprehensive and collision insurance, increase their liability limits and add personal injury coverage or other endorsements for extra protection.
Drivers in Tennessee must be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Tennessee
The average cost of liability-only insurance in Tennessee is $547 for the coverage limits of 50/100/50, based on a recent data analysis by CarInsurance.com.
Liability only pays for damage you cause to other people’s property or for injuries to others in an accident, but it doesn’t cover your passengers’ medical expenses. It’s cheaper than full coverage insurance, but it won’t help if your own car is damaged or stolen.
Full coverage car insurance in Tennessee
In Tennessee, you can expect to pay around $1,677 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Tennessee
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Tennessee pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Tennessee
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Speak with a friendly agent and get your quote in minutes!
Calculate the cost of car insurance in Tennessee
Insurance rates can differ depending on your ZIP code because what’s affordable in one area might be expensive in another.
Insurance companies assess various factors, such as crime rates, traffic conditions, car theft incidents and population density, to evaluate the level of risk in different areas and determine car insurance premiums.
This means that residents in higher-risk neighborhoods in Tennessee have to bear greater financial burdens than those in areas with lower risks.
Our tool lets you quickly obtain insurance quotes for different coverage limits specific to your ZIP code within minutes. Input your ZIP code to see how much you can save on premiums.
Calculate car insurance rates by ZIP code in Tennessee
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
Estimate car insurance in Tennessee by car model
Tennessee car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Tennessee.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Tennessee
Younger drivers and teenagers typically pay more for insurance than older, more experienced drivers. This is because teenagers are more likely to get into car accidents. In fact, teenagers are four times more likely to crash than drivers who are 20 or older, according to the Insurance Institute for Highway Safety.
Insurers know that teenage drivers are less experienced and pose a higher risk, resulting in higher insurance premiums. Tennessee drivers between the ages of 30 to 60 typically enjoy the lowest average auto insurance rates, at about $1,630 annually.
Car insurance for drivers aged 16-19 costs $4,066 more annually than Tennessee drivers aged 30-60.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,696 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,598 a year for a full coverage policy.
- For average-aged drivers: Drivers aged 30 to 60 can expect to pay $1,630 per year in Tennessee.
- For senior drivers: Drivers age 65 and older can expect to pay $1,670 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Tennessee
If your driving record includes a DUI, speeding ticket or an at-fault accident, your rates will increase significantly. A DUI conviction in Tennessee can increase your premiums by up to 62% because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Tennessee, you’ll likely see an increase in your car insurance premium by up to 33% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on state laws, your insurance company and your driving record.
Here is how much your car insurance rate increases in Tennessee after driving incidents:
- Speeding ticket: Up to 33% increase
- DUI conviction: 62% increase
- At-fault accident (bodily injury and property damage): 55% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Tennessee for high-risk drivers
In Tennessee, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Tennessee
In Tennessee, drivers can save on their premiums by comparing insurance quotes from different carriers. The cost of car insurance can vary based on several factors, including your driving history and the model of your car. Comparing multiple options allows you to find the right policy at an affordable price.
Begin your search for the top car insurance policy in Tennessee by getting quotes from multiple insurance providers and comparing them.
In the table below, see an overview of various car insurance companies in Tennessee, along with their average annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| Tennessee Farmers | $287 | $352 | $1,355 |
| Travelers | $390 | $486 | $1,395 |
| Progressive | $605 | $663 | $1,550 |
| GEICO | $316 | $409 | $1,565 |
| Erie Insurance | $307 | $395 | $1,598 |
| Nationwide | $603 | $725 | $1,632 |
| State Farm | $342 | $425 | $1,677 |
| Farmers | $536 | $753 | $1,770 |
| Allstate | $772 | $885 | $3,032 |
| USAA | $266 | $375 | $1,194 |
Car insurance rates by city in Tennessee
Memphis is Tennessee’s most expensive city for car insurance at an average cost of $2,161 annually. Bristol is the state’s least expensive city, with an average car insurance rate of $1,385 annually.
Car insurance costs differ from city to city in Tennessee, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Tennessee’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Tennessee per month?
The average cost of a full-coverage car insurance policy in Tennessee costs $140 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage Level | Avg. Monthly Rates |
|---|---|
| State Minimum – Liability Only BI/PD | $37 |
| Liability Only – 50/100/50 BI/PD | $46 |
| Full Coverage – 100/300/100 Liability BI/PD with $500 Comp/Coll Deductible | $140 |
Final thoughts on choosing car insurance in Tennessee
The ideal car insurance company varies depending on what matters most to you. Some prioritize excellent customer service, even if it costs slightly more. Others focus on finding the cheapest rates. Some drivers also value the convenience of handling everything through a mobile app, while some prefer the personalized touch of a dedicated agent.
It’s really important to figure out what you need and find the best insurance policy for your car without breaking the bank while driving in Tennessee.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed September 2025.
- USAA. “How credit affects insurance premiums.” Accessed September 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Tennessee. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
To evaluate the rates, we have compared 53,409,632 insurance quotes from 75 company groups across 34,588 ZIP codes. The average premiums are for comparison purposes only; your exact rates may vary.
Note: USAA is only available to military community members and their families.
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