- 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.
You can find the cheapest full-coverage car insurance in Tennessee for $113 a month from Tennessee Farmers. It saves you $27 compared to the state average car insurance cost of $140 monthly.
Shopping for car insurance in Tennessee can be a hassle, but CarInsurance.com is here to help. We have analyzed quotes from top car insurance companies, such as Geico, Progressive and State Farm so you can see who offers the best deals.
“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.
Car insurance companies with cheap car insurance in Tennessee
Tennessee Farmers has the cheapest full coverage car insurance in Tennessee, at an average premium of $113 per month or around $1,355 per year, based on CarInsurance.com data.
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.
Who pays the lowest auto insurance premiums in Tennessee?
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 Tennessee companies for different coverage levels
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
There are cheaper options, such as liability-only and state minimum policies. These types of insurance only provide coverage for the other party in an at-fault accident up to the limits of the policy.
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 up to $100,000 for medical bills per person, with a $300,000 cap per accident and up to $100,000 to repair other drivers’ cars and property that you 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.
Below, you’ll see average annual rates for major insurance providers in Tennessee, ranked from cheapest to most expensive for liability insurance coverage. The coverage limit for the below-mentioned rates is $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 car insurance companies in Tennessee for full coverage
Full coverage car insurance provides comprehensive protection for your vehicle. It typically includes liability coverage, collision coverage and comprehensive coverage, which safeguards against many incidents beyond accidents, such as theft or natural disasters.
When it comes to car insurance, it’s important to have coverage that fits your income, assets and risk profile. If you’re financing your vehicle, your lender will likely require you to purchase a full coverage auto insurance policy.
The table below lists major insurance providers in Tennessee based on the average annual cost for a full coverage policy with limits of $100,000/$300,000 bodily injury, $100,000 property damage and $500 comprehensive/collision deductibles.
| 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
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Cheapest car insurance in Tennessee by driving history
In Tennessee, driving history significantly impacts car insurance costs. Insurance companies use this information to evaluate the risk of insuring a driver. Drivers with clean records pose less risk, leading to lower premiums.
Insurance companies consider traffic violations like speeding tickets, DUIs and at-fault accidents as indicators of risky driving behavior. So, they charge higher premiums to drivers with these violations on their record.
In Tennessee, drivers with a history of such violations typically pay $614 more annually than drivers with clean records.
Cheap car insurance rates in Tennessee after a speeding ticket
A speeding ticket can impact your Tennessee car insurance rates, but finding affordable options is still possible. Among the carriers analyzed, State Farm has the cheapest car insurance premiums for individuals with a speeding ticket at an average cost of $1,208 a 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.
Cheapest car insurance in Tennessee after a DUI conviction
State Farm offers the cheapest car insurance to Tennessee drivers with a DUI conviction at $1,208 per year and Farmers has the second-cheapest insurance premiums at $1,788 a year, based on recent data.
Drivers with clean driving records can expect to pay an average of 38% less than those with a history of 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
The car insurance company with the cheapest driver rates after an at-fault accident is State Farm, at $1,308 a year.
On the other hand, Nationwide offers the second-cheapest full-coverage car insurance rates for drivers with a history of at-fault accidents at an average annual premium of $1,653.
When you are responsible for an accident, it can have a significant impact on your insurance premiums. Insurance companies generally consider at-fault accidents an indicator of increased risk, which leads to increased premiums.
| 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.
Check out the most affordable insurance options in your neighboring state
Which cities in Tennessee have the lowest auto insurance rates?
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 companies use data about thefts, collisions and vandalism to decide how likely it is for one of these things to happen in your city. Insurers also consider your driving record, the type of car you drive and your car’s age to determine your premiums.
Below is a list of cities in Tennessee with the lowest auto 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 |
A detailed guide on the 10 most important factors that influence car insurance rates
How much can you save on auto 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.
It’s important to find the cheapest auto insurance and ensure you have the right amount of protection for your needs.
To get affordable car insurance in Tennessee, figure out the coverage you require, compare quotes from different companies, look for discounts and keep a good driving record.
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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