CarInsurance.com Insights
- Car insurance calculator is a valuable tool in estimating the cost of car insurance in Tennessee.
- The average annual cost of a full coverage policy in Tennessee with liability limits of 100/300/100 is $2,235 or $186 per month.
- Minimum liability coverage in Tennessee costs around $658 per year, based on CarInsurance.com’s data analysis.
When it comes to estimating the cost of car insurance in Tennessee, personal factors like your age, driving record, ZIP code and the type of vehicle you own or drive matter.
CarInsurance.com’s car insurance rate calculator takes basic details into account to give you a rate estimate in Tennessee at three different coverage levels – full coverage (with limits of 100/300/100), liability only (with limits of 50/100/50) and the state minimum. See your average insurance rates in the calculator below.
Car insurance calculator Tennessee: How to get auto insurance estimates
CarInsurance.com editors recommend comparing quotes from at least three different car insurance companies when your policy is up for renewal. You can use online quoting tools to find car insurance estimates.
Every insurance company uses its own unique rating system, meaning they assess factors like age or driving history differently. For example, if you get a ticket, one insurer might raise your premium by 5%, while another could increase it by 20%.
What factors affect car insurance estimates in Tennessee?
The biggest variation in insurance estimates from state to state depends on the state law. Tort insurance law varies from no-fault insurance law. Tort insurance law operates on the principle that the person responsible for causing an accident is liable for the damages. This often leads to litigation to determine fault and the extent of damage.
On the contrary, no-fault insurance laws, adopted in several U.S. states, simplify this process by mandating each party’s insurance company to cover their clients’ bodily injury losses, regardless of who caused the accident.
Learn about the 10 most important factors that affect car insurance rates
Calculate new car insurance rates in Tennessee by car model
When you’re shopping for a new vehicle, get quotes for car insurance so you can factor that cost into your overall car budget. If you’re looking for an affordable policy, cars that are the cheapest to insure have smaller engines and more safety features. On the other hand, sports cars and luxury vehicles are pricier for car insurance.
| Vehicle type | Average annual rates |
|---|---|
| Electric | $3,398 |
| Hatchback | $2,261 |
| Hybrid | $2,527 |
| Luxury Car | $3,434 |
| Luxury SUV | $3,020 |
| Minivan | $2,312 |
| Performance Car | $4,306 |
| Performance SUV | $3,720 |
| Sedan | $2,474 |
| Sports Car | $3,250 |
| Station Wagon | $2,695 |
| SUV | $2,295 |
| Truck | $2,536 |
| Van | $2,315 |
“The best way to get car insurance quotes is to comparison shop – making sure you are comparing apples to apples. The internet is a great resource to compare insurance products – be sure to line up the exact dollar coverage and any riders included as well,” says James Brau, Joel C. Peterson professor of finance at Brigham Young University’s Marriott School of Business. “If you’re calling specific insurance companies, have them email written quotes to make sure there is no misunderstanding. Oftentimes, lower-cost insurance quotes don’t offer as much protection as higher-priced premiums, so it is an exercise in comparing apples to oranges.”
You can estimate your car insurance rates in Tennessee by entering your vehicle’s make and model into the calculator below.
Insurance rates by car model
Speak with a friendly agent and get your quote in minutes!
Tennessee car insurance estimates for used cars
Insuring a used car in Tennessee typically costs less than insuring a newer vehicle due to the car’s depreciation value, which affects the replacement cost. The premiums may vary based on your car’s age, make, model and driving history, but it’s recommended that you compare multiple insurance quotes to find the best rate.
Use the car insurance calculator below to estimate your rates in Tennessee for used cars by make and model.
Average insurance rates for your used car
Calculate your used car insurance coverage needs in a few simple steps
FAQ: How to estimate car insurance rates before buying a car in Tennessee
How much auto insurance do I need in Tennessee?
The amount of car insurance you require is based on your financial situation, the value of your car and your risk tolerance. For financed or leased vehicles, your lender may ask you to purchase comprehensive and collision coverage, which, when combined with liability, is known as full coverage.
Each state, including Tennessee, has different minimum insurance requirements. However, these minimums provide only basic coverage and often fail to offer sufficient financial protection in the event of a severe car accident.
| Requirements | Coverage limits |
|---|---|
| Minimum bodily injury liability | $25,000 per person, $50,000 per accident |
| Minimum property damage liability | $25,000 per accident |
How much does car insurance cost in Tennessee per month?
The monthly cost of full coverage car insurance in Tennessee, including collision, comprehensive, and 100/300/100 liability, is $186 . For state minimum liability, it’s $55 per month, while liability coverage with 50/100/50 limits costs $58 monthly.
Does your age impact how much you pay for insurance in Tennessee?
Young drivers in Tennessee typically face higher car insurance rates due to their limited driving experience and a higher likelihood of being involved in accidents. Insurance companies factor this increased risk into their premium calculations, leading to higher costs for younger drivers.
In addition, young drivers are more prone to risky behaviors like speeding and distracted driving, which further raises the cost of their car insurance.
Calculate car insurance rates in your neighboring states
Resources & Methodology
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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