The cheapest full coverage car insurance in Tennessee is $113 , saving you $27 compared to the average cost of insurance in the state, which is around $140 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Tennessee, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“Drivers looking to get the cheapest insurance premiums in Tennessee should maintain continuous coverage and avoid any lapse. When it comes to shopping for a new insurance company, discounts may be applied if the drivers have maintained continuous coverage, which will help lower the annual premium,” says Lauren Mckenzie, senior insurance agent, A Plus Insurance.
- Tennessee Farmers has the cheapest car insurance rates in Tennessee for full coverage at $113 a month among the companies analyzed by the team of CarInsurance.com.
- In Tennessee, drivers with clean driving records pay 38% less than drivers with a DUI.
- The city of Bristol has the lowest auto insurance rates in Tennessee, with an average premium of $1,385 per year.
- You can save up to 19% per year on your car insurance policy in Tennessee by comparing price quotes from multiple insurers.
Which company offers the cheapest car insurance rates in Tennessee?
Based on data analysis by CarInsurance.com, Tennessee Farmers provides the cheapest full coverage auto insurance rates for Tennessee drivers at a monthly rate of $113 or $1,355 a year.
A full-coverage auto insurance policy typically includes liability coverage, which is mandated by most states and optional coverages such as comprehensive and collision insurance, which have a deductible.
The table below provides the cheapest full coverage insurance quotes in Tennessee. We’ve gathered rates from different insurance companies to help you find the most affordable option.
Cheapest car insurance rates in Tennessee per month
| Company | Full Coverage Monthly Rates |
|---|---|
| Tennessee Farmers | $113 |
| Travelers | $116 |
| Progressive | $129 |
| Geico | $130 |
| Erie Insurance | $133 |
| Nationwide | $136 |
| State Farm | $140 |
| Farmers | $148 |
| Allstate | $253 |
| USAA* | $99 |
Note: USAA is only available to military community members and their families.
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Tennessee drivers who pay lower insurance premiums
The cost of car insurance can vary greatly depending on your age, location, driving record, credit score, driving habits and vehicle type. However, some insurers may offer you more affordable rates than others based on your situation.
- Married drivers pay 8% less than single drivers.
- Tennessee drivers with clean records pay 38% less than drivers who have a DUI on their record.
- Tennessee drivers in their 20s pay 63% lower rates for insurance than a 16-year-old in Tennessee.
- Adding a teen to your policy will cost you 75% less than having the teen purchase their own auto insurance policy.
- Drivers who are licensed for three or more years pay 32% less on their insurance premiums.
- Drivers insured for three or more years can save up to 18% on their insurance costs.
TipIf you no longer drive regularly or work remotely, you may want to re-evaluate your insurance policy. Drivers with a daily commute of less than 15 miles can save up to 5% for this state more on their premiums.
Cheapest insurers for different coverage levels in Tennessee
It’s no secret that car insurance quotes vary drastically from person to person and from company to company. Your car insurance premiums will also vary depending on the coverage level you choose, your driving history and other factors.
In addition to full coverage, there are also liability-only and state minimum policies. Unlike full coverage, liability-only and state minimum policies only cover damage to another driver’s bodily injury and property damage in the event of an accident.
Not all insurers offer the same coverage limits at the same price point. For instance:
- Tennessee Farmers is the cheapest for a state minimum policy.
- Tennessee Farmers has the cheapest rates for a liability-only policy (50/100/50).
- Tennessee Farmers offers the cheapest car insurance for a full coverage policy (100/300/100) in Tennessee.
The numbers above (100/300/100) represent coverage of up to $100,000 per person for medical bills with a $300,000 cap per accident, as well as up to $100,000 for property damage.
Cheapest companies for state minimum coverage in Tennessee
Tennessee requires all drivers to carry a minimum amount of car insurance, known as the state’s minimum coverage requirements. It means that your policy must include at least:
| Minimum Coverage | Minimum Limit |
|---|---|
| Minimum bodily injury liability | $25,000/$50,000 |
| Minimum property damage liability | $25,000 |
Read more about the minimum liability car insurance requirements by state
Below are the average annual rates from major insurance companies in Tennessee, ranked from cheapest to the most expensive for the state minimum coverage.
| Company | State Minimum Annual Rates |
|---|---|
| Tennessee Farmers | $287 |
| Erie Insurance | $307 |
| Geico | $316 |
| State Farm | $342 |
| Travelers | $390 |
| Farmers | $536 |
| Nationwide | $603 |
| Progressive | $605 |
| Allstate | $772 |
| USAA* | $266 |
Note: USAA is only available to military community members and their families.
Cheapest liability-only coverage in Tennessee
Your liability-only coverage will cover the cost of property damage or bodily injury you cause in an accident, up to the policy limits.
Here are the average annual rates for liability insurance coverage from major carriers in Tennessee, ranked in the order of the cheapest to the most expensive. The coverage limits for these rates are $50,000 for bodily injury per person, $100,000 for bodily injury per accident and $50,000 for property damage.
| Company | Liability Only Annual Rates |
|---|---|
| Tennessee Farmers | $352 |
| Erie Insurance | $395 |
| Geico | $409 |
| State Farm | $425 |
| Travelers | $486 |
| Progressive | $663 |
| Nationwide | $725 |
| Farmers | $753 |
| Allstate | $885 |
| USAA* | $375 |
Note: USAA is only available to military community members and their families.
Cheapest full coverage in Tennessee
A full-coverage car insurance policy typically includes comprehensive and collision coverage, offering protection against accidents, theft, vandalism and damage from natural disasters.
Ideally, full coverage means you have insurance that’s appropriate for your income, assets and risk profile. Lenders require full coverage from those who finance their cars.
The table below shows the average annual rates from major insurance providers in Tennessee, listed by cost, for a full coverage policy of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage, with comprehensive and collision coverage and a $500 deductible.
| Company | Full Coverage Annual Rates |
|---|---|
| Tennessee Farmers | $1,355 |
| Travelers | $1,395 |
| Progressive | $1,550 |
| Geico | $1,565 |
| Erie Insurance | $1,598 |
| Nationwide | $1,632 |
| State Farm | $1,677 |
| Farmers | $1,770 |
| Allstate | $3,032 |
| USAA* | $1,194 |
Note: USAA is only available to military community members and their families.
Learn more about who has the cheapest full coverage auto insurance
Cheapest auto insurance in Tennessee by driving history
Your driving history impacts insurance premiums in Tennessee, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
Traffic violations such as speeding tickets, DUIs and at-fault accidents demonstrate risky behavior on the road. Insurance companies view these violations as indicators of higher risk and may charge you higher premiums.
A driver with a history of traffic violations pays $614 more annually in Tennessee than an individual with a clean driving record.
Cheap car insurance in Tennessee after a speeding ticket
If you have a speeding ticket on your Tennessee driving record and you are looking for cheap car insurance, State Farm offers the cheapest full-coverage auto insurance for drivers with a speeding ticket, with an average rate of $1,208 per year.
| Company | Rates Before Speeding | After Speeding (1-29 mph over limit) | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,108 | $1,208 | 9% | $100 |
| Erie Insurance | $1,449 | $1,496 | 3% | $47 |
| Nationwide | $1,070 | $1,519 | 42% | $448 |
| Farmers | $1,301 | $1,727 | 33% | $426 |
| Geico | $1,013 | $1,817 | 79% | $804 |
| Travelers | $1,248 | $1,848 | 48% | $600 |
| Auto-Owners | $1,101 | $1,983 | 80% | $883 |
| Allstate | $1,941 | $2,190 | 13% | $250 |
| Progressive | $1,968 | $2,599 | 32% | $632 |
| USAA* | $916 | $1,089 | 19% | $173 |
Note: USAA is only available to military community members and their families.
Cheap car insurance rates after a DUI conviction in Tennessee
Tennessee drivers with a DUI on their record can get the cheapest car insurance from State Farm at an average of $1,208 a year, followed by Farmers with an annual premium of $1,788 annually, based on recent data.
If you have a clean record, you are likely to pay 38% less for car insurance than someone with a DUI.
| Company | Rates Before DUI | Rates After a DUI | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,108 | $1,208 | 9% | $100 |
| Farmers | $1,301 | $1,788 | 37% | $486 |
| Geico | $1,013 | $1,846 | 82% | $833 |
| Travelers | $1,248 | $1,927 | 54% | $679 |
| Nationwide | $1,070 | $2,035 | 90% | $965 |
| Erie Insurance | $1,449 | $2,190 | 51% | $741 |
| Progressive | $1,968 | $2,211 | 12% | $244 |
| Allstate | $1,941 | $2,704 | 39% | $764 |
| Auto-Owners | $1,101 | $3,604 | 227% | $2,503 |
| USAA* | $916 | $1,748 | 91% | $832 |
Note: USAA is only available to military community members and their families.
Cheap car insurance companies in Tennessee after an at-fault accident
State Farm is the cheapest car insurance company for drivers with a history of at-fault accidents with an annual premium of $1,308 .
Nationwide is the second most affordable option, providing full-coverage car insurance with an average annual premium of $1,653 .
If you’re found at fault in an accident, it can significantly raise your insurance premiums. Insurance companies view at-fault incidents as a sign of higher risk, leading to higher costs for coverage.
| Company | Rates Before Accident | Rates After Accident | % Difference | $ Difference |
|---|---|---|---|---|
| State Farm | $1,108 | $1,308 | 18% | $200 |
| Nationwide | $1,070 | $1,653 | 54% | $583 |
| Travelers | $1,248 | $1,798 | 44% | $550 |
| Erie Insurance | $1,449 | $1,843 | 27% | $395 |
| Farmers | $1,301 | $1,867 | 43% | $566 |
| Geico | $1,013 | $1,893 | 87% | $880 |
| Auto-Owners | $1,101 | $2,550 | 132% | $1,449 |
| Allstate | $1,941 | $2,819 | 45% | $878 |
| Progressive | $1,968 | $3,249 | 65% | $1,281 |
| USAA* | $916 | $1,378 | 50% | $462 |
Note: USAA is only available to military community members and their families.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Cities with the lowest auto insurance rates in Tennessee
Your car insurance company sets your rates based on many factors. One of the most important is where you live. Companies look at the number and cost of car insurance claims in your area to determine how risky it is to insure you.
The city with the lowest auto insurance rates in Tennessee is Bristol, at $1,385 per year.
Insurance providers rely on statistical data regarding thefts, collisions and vandalism to analyze the likelihood of such incidents occurring in a particular area. Besides driving history, your car model and age play a significant role in determining your insurance premiums.
The table below shows a list of cities in Tennessee with the most affordable car insurance rates.
| City | Full Coverage Annual Rates |
|---|---|
| Bristol | $1,385 |
| Johnson City | $1,386 |
| Jonesborough | $1,391 |
| Mountain Home | $1,395 |
| Colonial Heights | $1,402 |
| Telford | $1,402 |
| Bluff City | $1,404 |
| Piney Flats | $1,407 |
| Watauga | $1,413 |
| Blountville | $1,415 |
Learn about the 10 most important factors that affect car insurance rates
Average savings on car insurance in Tennessee
Shopping around for car insurance quotes in Tennessee can help drivers save 19% annually on full coverage policies.
How much money you save depends on factors specific to you but compare quotes and ensure you’re getting exactly what you need at a good price.
Car insurance discounts in Tennessee: Save on premiums
In Tennessee, car insurance companies offer various discounts to drivers, such as safe driver and bundling discounts to help you save on your premiums. Learn more about some common car insurance discounts in Tennessee below.
| Discount Type | % Difference | $ Difference |
|---|---|---|
| Anti-theft device | 1% | $19 |
| Daily commute | 8% | $128 |
| Days advanced purchase | 7% | $125 |
| Education | 13% | $247 |
| Electronic funds transfer | 3% | $56 |
| Homeowner | 5% | $99 |
| Lower annual mileage | 5% | $90 |
| Loyalty – years renewal with company | 9% | $152 |
| Marital status | 8% | $159 |
| Multi policy | 8% | $147 |
| Paperless/electornic documents | 4% | $84 |
| Payment type | 9% | $169 |
| Primary use | 10% | $168 |
| Profession | 17% | $393 |
| Safety devices | 4% | $79 |
| Telematics | 11% | $205 |
| Years insured | 17% | $429 |
| Years licensed | 30% | $1,168 |
The bottom line on cheap auto insurance in Tennessee
Based on our findings, Tennessee Farmers provides the cheapest rates for a full coverage policy in Tennessee if you have a good driving record.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Tennessee is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to field rates in 2023 from all the major insurers in nearly every ZIP code of Tennessee for three different coverage levels:
- Full coverage policy with limits 100/300/100, including comprehensive and collision coverage and a $500 deductible.
- Liability-only with limits 50/100/50.
- State-minimum car insurance limits of 25/50/25.
The rates are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a clean driving record and a good credit score. We have compared 53,409,632 car insurance quotes from 75 company groups across 34,588 ZIP Codes.
Violations:
Car insurance rates are calculated by evaluating the sample profile of a 40-year-old driver for a full coverage policy with limits 100/300/100, including comprehensive and collision coverage, and a $500 deductible, with the following incidents applied: clean record, at-fault accident, DUI conviction and speeding ticket.
Discounts:
Car insurance discount rates are for a full coverage policy with limits of 100/300/50 and a $500 comprehensive and collision deductible based on the sample profile of a 40-year-old male driver. To gather the data, our data experts compared 2,677,890 insurance quotes across various ZIP Codes.
The rates are for comparison purposes only and your exact rates may vary.
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Laura Longero
Executive Editor
Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Executive Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Tennessee