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 get a clear idea of how car insurance in Tennessee works and how much coverage you need.
- 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%.
How much is car insurance in Tennessee?
In Tennessee, drivers pay an average of $140 monthly for full coverage car insurance, based on a rate analysis by CarInsurance.com.
Understanding the average insurance cost can help you budget effectively for your coverage. Remember that insurance premiums can differ significantly based on your vehicle’s make and model and your driving history.
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 is the least expensive coverage and meets the minimum legal requirements in Tennessee, but it doesn’t offer adequate 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 costs more but provides a lot more protection. It covers damage to your car in accidents, theft, natural events and animal collisions. If you have full coverage, you can be reassured that you’re well-protected.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below, you will find the rates for car insurance in Tennessee for different coverage levels.
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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 car insurance cost in Tennessee is $442 a year. However, this basic coverage only offers limited protection. Tennessee drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Tennessee must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Tennessee
Liability-only car insurance costs $547 in Tennessee for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Tennessee
The average annual premium in Tennessee is $1,677 for a full coverage policy with 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.
Experts recommend that drivers purchase full coverage insurance with the highest liability limits they can afford to be financially protected. Full coverage car insurance policies include liability, comprehensive and collision coverage.
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.
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 ( Liability - Minimum)
Estimate car insurance in Tennessee by car model
In Tennessee, car insurance costs depend on the type of car you drive. If you have a luxury or electric vehicle that’s more expensive to repair, you’ll pay higher insurance rates than someone with a car that’s cheaper to repair.
For example, luxury brands like Maserati, BMW, Porsche and Audi tend to have higher insurance costs. On the other hand, more affordable brands like Subaru, Hyundai, Honda and Mazda typically come with the cheapest insurance cost.
See how much you’ll pay for car insurance for your specific 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
As you age, the cost of your car insurance might change. As a young driver, you’ll pay more than an experienced, older driver. This is because younger drivers are more prone to accidents. The Insurance Institute for Highway Safety reports that the crash rate for teen drivers is four times higher than for drivers 20 years old or older.
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.
Drivers aged 16-19 pay $4,066 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 $5,696 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $2,598 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $1,630 annually in Tennessee.
- For senior drivers: Drivers aged 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
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Tennessee, a DUI conviction often results in higher premiums and you may see an increase of up to 62% as insurers perceive you as a high-risk driver.
If you get caught speeding in Tennessee, your car insurance rates will increase by 33% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
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
High-risk drivers in Tennessee pay more for car insurance than other drivers because they are considered riskier. Factors like accident history, traffic violations and poor credit scores influence how much the policyholder will pay for insurance coverage.
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
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 you drive, there are many options to get the coverage you need at a price that works for you.
Compare the best car insurance options in Tennessee by getting quotes from different insurance companies.
Below are the details of Tennessee car insurance companies and their annual premiums.
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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.
The number of uninsured drivers, crime rates, and the average cost of repairs and medical bills also influence car insurance rates.
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.
Opting for monthly car insurance payments can be a budget-friendly strategy for some people. It allows for spreading the cost throughout the year, making it easier to manage than a hefty annual payment. This approach provides more flexibility and avoids the burden of a large upfront sum.
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.
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Final thoughts on choosing car insurance in Tennessee
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Ultimately, understanding your needs to find the best policy at the most competitive price is critical. Shop around for a good deal that provides peace of mind when hitting the open road 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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