- 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 full coverage car insurance in Tennessee is $113, saving you $27 compared to the average cost of insurance in the state, which is around $140 per month.
CarInsurance.com has done the homework for you. We analyzed rates from various auto insurance companies in Tennessee, such as Geico, Progressive, State Farm and more, so you can effortlessly compare their rates to find the most affordable option.
“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.
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 insurers for different coverage levels in Tennessee
We all know that car insurance costs are different for everyone and can vary depending on your insurance company. Other than the insurer, your driving record and coverage levels also play a role in determining your premium.
Besides full coverage, there are liability-only and state-minimum car insurance policies. Liability only covers injuries and property damage to others in 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 up to $100,000 bodily injury with $300,000 bodily injury per accident and up to $100,000 for property 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 Tennessee insurance companies for liability-only coverage
If you cause an accident, your liability insurance will pay for the medical bills and property damage of others involved, up to the policy limits.
In the table below, see the average annual rates from Tennessee’s top insurers for liability insurance, ranked from cheapest to most expensive. Coverage limits are $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
Speak with a friendly agent and get your quote in minutes!
Cheapest auto insurance in Tennessee by driving history
Your driving history impacts insurance premiums in Tennessee, as insurance companies use this factor to assess the risks associated with providing coverage for a driver.
A clean driving record is the key to affordable car insurance. Traffic violations like speeding, DUIs and at-fault accidents can significantly increase your insurance premiums – insurers consider drivers with these violations on their records risky.
In Tennessee, drivers with a history of traffic violation pay an average of $614 more per year than those with a clean record. Choose responsible driving habits to save money and protect yourself and others on the road.
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.
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
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 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
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 car insurance in Tennessee
Based on our research, if you are a good driver, Tennessee Farmers is the cheapest in Tennessee for a full coverage policy.
We know that finding the best and cheapest auto insurance coverage is essential, but so is getting the right amount of protection.
The best way to find affordable car insurance in Tennessee is to know and understand the coverage you need, compare quotes, apply for discounts and maintain a clean driving record. Even if you have tickets or accidents, it’s still possible that the company will offer you a policy at affordable rates.
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.
Still have a question? Ask our experts
Get advice from an experienced insurance professional. Our experts will help you navigate your insurance questions with clarity and confidence.
Browse all FAQs
