- Among the companies analyzed by CarInsurance.com, Tennessee Farmers stands out as the cheapest option for full coverage car insurance in Tennessee, with an insurance premium of $113 per month.
- Drivers in Tennessee with a clean record pay 38% less for premiums compared to those with a DUI.
- The city with the lowest car insurance rates in Tennessee is Bristol, with an annual premium of $1,385.
- Tennessee drivers can save up to 19% annually on their auto insurance policy by comparing price quotes from multiple carriers.
The cheapest car insurance in Tennessee costs $113 per month for a full coverage policy from Tennessee Farmers. That’s a $27 savings from the average cost of insurance in the state, which is $140 a month.
“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.
To help you find the cheapest rates, CarInsurance.com analyzed rates from multiple auto insurance companies in Tennessee including Geico, Progressive, State Farm and others, so that you can easily compare car insurance rates.
Which company offers the cheapest car insurance in Tennessee?
Tennessee Farmers offers the cheapest car insurance rates in Tennessee for a full coverage policy with an average premium of $113 per month or around $1,355 per year, based on CarInsurance.com’s rate analysis.
A full coverage policy includes liability insurance, which is required by law in most states and optional coverage such as comprehensive and collision insurance, which typically have a deductible.
The below table shows the cheapest quotes in Tennessee by different insurance carriers for a full coverage policy.
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 a lower insurance premium in Tennessee?
Car insurance quotes vary based on several factors such as your age, location, driving record, credit score, driving habits and vehicle. Some insurance companies may offer cheaper policies for certain types of drivers than others. For instance:
- Married drivers pay 8% less than single drivers.
- Tennessee drivers with clean records pay 38% less than drivers who have a DUI on their records.
- 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 companies 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 state minimum coverage in Tennessee
State laws require all drivers to maintain a minimum level of car insurance coverage, also known as the state’s minimum coverage requirements. In Tennessee, you must have at least the following insurance coverage on your car.
| 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, you’ll see average annual rates for major insurance providers in Tennessee, ranked from cheapest to most expensive for 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 full coverage car insurance 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.
In an ideal scenario, having full coverage means having a policy that aligns with your income, assets and risk profile. Lenders typically mandate full coverage for individuals financing their vehicles.
The following table lists the average annual rates of major insurance companies in Tennessee from the cheapest to the most expensive. These rates are for a full coverage policy with limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage.
| 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 after a speeding ticket in Tennessee
If you’ve got a speeding ticket on your Tennessee driving record and need affordable car insurance, State Farm might be the answer. With an average annual rate of $1,208, State Farm offers the cheapest full coverage auto insurance options for drivers with speeding tickets in Tennessee.
| 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
CarInsurance.com analyzed insurance rates for Tennessee drivers with DUI convictions and we found that State Farm provides the cheapest car insurance rates at an average annual premium of $1,208. Farmers is the second-cheapest insurer at an average of $1,788 per year.
A DUI can significantly impact your car insurance costs. On average, drivers with clean records pay 38% less than drivers with a DUI on their record.
| 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 rates after an at-fault accident in Tennessee
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.
Check out the most affordable insurance options in your neighboring state
Tennessee cities with the lowest auto insurance rates
Where you live significantly impacts your car insurance cost. Insurance companies consider the number and cost of claims in your area to determine the risk of insuring vehicles. Areas with higher accident risks or theft rates tend to have higher premiums to compensate for the increased risk.
Bristol is the city with the lowest premiums in Tennessee at an annual auto insurance rate of $1,385.
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.
Find below a list of Tennessee cities with the lowest 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 |
Explore the top 10 factors that influence car insurance rates
How much can you save on car insurance in Tennessee?
By comparing car insurance quotes, you can save an average of 19% per year for a full coverage policy in Tennessee.
While savings will depend upon individual circumstances, there are still significant benefits associated with comparison shopping and getting exactly what you need at an affordable price.
Car insurance discounts in Tennessee: Save on premiums
Car insurance discounts in Tennessee can help you save on car insurance premiums. Insurance companies offer discounts to drivers for safe driving, vehicle safety features and policy bundling. Here are some common car insurance discounts available in Tennessee.
Shop around and compare quotes from different insurance companies to find the best coverage and discounts for your specific needs.
| 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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