Whether you’re new to the state and looking for auto insurance coverage, or you’ve lived in Tennessee for years and want to find out how much car insurance costs in Tennessee, you can find the information you need here.
Car insurance quotes in Tennessee vary greatly depending on a variety of factors, including the type of coverage you choose, coverage limits, your address and personal factors. Auto-Owners offers the cheapest annual rates for full coverage car insurance in Tennessee at $1,077 per year.
This comprehensive guide to buying car insurance for Tennessee drivers is based on 2023 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?
- Average cost of auto insurance in Tennessee by coverage level
- Calculate the cost of car insurance in Tennessee
- Estimate car insurance in Tennessee by car model
- Car insurance rates by age group in Tennessee
- Rates based on driver profile, history and habits in Tennessee
- Car insurance cost in Tennessee for high-risk drivers
- Compare car insurance quotes in Tennessee
- Car insurance rates by city in Tennessee
- How much does car insurance cost in Tennessee per month?
- Final thoughts on choosing car insurance in Tennessee
- Resources & Methodology
- Guide to car insurance in cities of Tennessee
How much is car insurance in Tennessee?
In Tennessee, drivers pay an average of $109 monthly for full coverage car insurance, based on a 2023 rate analysis by CarInsurance.com.
Understanding the average cost of insurance can give you a head start in budgeting for your coverage. It’s important to consider that premium costs vary from person to person and will depend largely on the make/model of your car, your driving record and other factors.
Average cost of auto insurance in Tennessee by coverage level
Auto insurance rates in Tennessee can differ based on the coverage limit. In Tennessee, drivers must abide by the minimum liability limits of 25/50/15 to legally drive on the road.
Liability-only policies are the cheapest, offering bare-bones protection that meets Tennessee’s financial responsibility laws – but they don’t offer much protection. Full coverage car insurance policies are the most expensive but provide much more protection, covering your own vehicles from accidents, theft, natural disasters and animal strikes. With a full coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Below are the Tennessee car insurance costs for three different coverage levels.
|Coverage Level||Avg. Monthly Cost||Avg. Annual Cost|
|State Minimum Liability Only||$27||$329|
|50/100/50 Liability Only||$34||$409|
|100/300/100 Liability with $500 Comp/Coll Deductible||$109||$1,311|
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 $15,000 of property damage liability.
The state minimum coverage in Tennessee costs $329 a year. But state minimum coverage isn’t much protection for drivers. Tennessee drivers may purchase additional coverage options, such as comprehensive and collision insurance, increase their liability limits and add personal injury protection or other endorsements for extra protection.
It is important for drivers in Tennessee to be aware of the minimum car insurance requirements to remain legally compliant.
Liability-only car insurance in Tennessee
In Tennessee, liability-only car insurance costs $409 for the limits 50/100/50, according to a 2023 CarInsurance.com data analysis.
This policy covers the cost of damages caused to others but not damages to the driver’s vehicle or passengers. While it is usually less expensive than a full coverage plan, liability-only insurance does not protect against an accident or theft of the insured vehicle.
Full coverage car insurance in Tennessee
On average, premiums for full coverage car insurance in Tennessee costs around $1,311 per year for the limits of 100/300/100 – $1,00,000 in bodily injury coverage, $3,00,000 in bodily injury coverage per accident and $1,00,000 in property damage coverage.
Experts recommend that drivers purchase full coverage insurance with as high of liability limits as they can afford to stay protected against unexpected events.
Full coverage car insurance policies include liability, comprehensive and collision coverage and a $500 deductible.
Calculate the cost of car insurance in Tennessee
A policy perfect for someone living in one ZIP code might be priced high for a driver living in another.
Different areas pose more or less risk based on factors like crime rate, traffic, car thefts and population density. Insurance companies research each area’s risks and then use that knowledge to determine what they can charge for premiums.
As a result, people living in higher-risk neighborhoods of Tennessee have to pay more than those living where the risks are lower.
With our easy-to-use tool, you can get insurance quotes for different coverage limits for your ZIP code in minutes. Just enter your ZIP code into our free tool to see how much you can save.
Tennessee Car Insurance Rates by ZIP Code
Estimate car insurance in Tennessee by car model
Car insurers in Tennessee use the make and model of your car to determine your insurance rates. Cars deemed more expensive to repair, such as luxury cars and EVs, may cause your rates to be higher than those that may cost less to fix.
See how much you’ll pay for car insurance for your specific make and model in 2023 in Tennessee.
Insurance Rates by Car Model
Car insurance rates by age group in Tennessee
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Tennessee drivers aged 30 to 60 garner the lowest average auto insurance costs across all ages at $1,289 a year.
Drivers aged 16-19 pay $3,981 more for car insurance than Tennessee drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $5,270 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,151 a year for a full coverage policy.
- For average adult drivers: Drivers aged 30 to 60 can expect to pay $1,289 per year in Tennessee.
- For senior drivers: Drivers 60 and older can expect to pay $1,347 per year.
Average car insurance cost in different states of U.S.
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 triggers higher insurance rates because insurers see you as a risky driver.
Similarly, if you get a speeding ticket in Tennessee, chances are you’ll see an increase in what you pay for car insurance by up to 28% upon your policy renewal. Typically, you’ll pay more for three years. However, your rate increase also depends on the 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 28% increase
- DUI conviction: 62% increase
- At-fault accident (bodily injury and property damage): 36% increase
But even with a traffic ticket, comparison shopping can save you money.
Car insurance cost in Tennessee for high-risk drivers
In Tennessee, high-risk drivers pay more for car insurance than other drivers, as they are considered a greater risk. Factors like prior accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
Luckily, there are ways for high-risk drivers to reduce the amount they must pay for premiums. Shopping around and comparing quotes is a great place to start, as each company will have its own rate structure specifically tailored to individual needs.
Use the tool below to see which company offers cheaper rates for drivers with speeding tickets, DUI convictions and at-fault accidents.
Select your state and risk factor below to see the insurance company and its
average annual full coverage rates.
|Company Name||Insurance Rates|
Compare car insurance quotes in Tennessee
Drivers in Tennessee can save hundreds of dollars by shopping around and comparing quotes. While many factors influence the cost of your car insurance, from driving record to the type of car, there are many options to get the coverage you need at a price that works for you.
Start your search for the best car insurance policy in Tennessee by gathering quotes from several insurers for comparison.
Below is a breakdown of car insurance companies in Tennessee and their average annual premiums.
- State Minimum – State Minimum Liability Only
- 50/100/50 – 50/100/50 Liability Only
- 100/300/100 – 100/300/100 Liability with $500 Comp/Coll Deductible
Car insurance rates by city in Tennessee
Memphis is the most expensive city in Tennessee with an average car insurance rate of $1,672 a year. Johnson City is the cheapest city for Tennessee drivers at an average rate of $1,076 annually.
Car insurance rates vary by city in Tennessee for a number of reasons. One of the most significant factors is traffic congestion. Areas with more traffic typically have higher rates of accidents and claims, which leads to higher premiums.
Other factors that can affect rates include the number of uninsured drivers, the cost of repairs and medical bills and the crime rate in the city.
Below you’ll see the average annual car insurance cost of major cities in Tennessee.
Select your city below to see the insurance company and its average full coverage rates.
|Company Name||Insurance Rates|
How much does car insurance cost in Tennessee per month?
Car insurance in Tennessee costs around $109 a month on average for a full coverage policy with limits of 100/300/100.
For some people, it is better to pay car insurance monthly because it gives them more flexibility in their budget. They can spread the cost over a longer period of time and don’t have to worry about a large lump sum payment.
On the other hand, paying for car insurance in full at renewal time can often result in a discount.
Ultimately, your best option will depend on your needs and circumstances.
|Coverage Level||Avg. Monthly Cost|
|State Minimum Liability Only||$27|
|50/100/50 Liability Only||$34|
|100/300/100 Liability with $500 Comp/Coll Deductible||$109|
Final thoughts on choosing car insurance in Tennessee
There’s no one best car insurance for everyone. Some drivers are willing to pay more for outstanding customer service, some want the lowest rates, others prefer carriers who can handle claims and payments through mobile apps and some prefer agents.
Ultimately, understanding your needs to find the best policy at the most competitive price is key. Shop around for a good deal that provides peace of mind when hitting the open road in Tennessee.
Resources & Methodology
Insurance Institute for Highway Safety. “Teenagers.” Accessed January 2023.
USAA. “How credit affects insurance premiums.” Accessed January 2023.
CarInsurance.com commissioned Quadrant Information Services to pull rates for a 40-year-old male driving a 2021 Honda Accord LX with a good insurance score and no violation on record for a full coverage insurance policy with limits 100/300/100 and $500 comprehensive and collision deductibles. We analyzed 5,000,736 records, 1,467 ZIP codes and 212 insurance companies nationwide.