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.
- According to recent data, Tennessee Farmers offers the cheapest full coverage car insurance in Tennessee at $113 per month.
- Tennessee drivers with a clean driving record pay 38% less for car insurance than drivers with a DUI.
- In Tennessee, the city of Bristol has the most affordable car insurance rates at $1,385 annually.
- Comparing price quotes from multiple insurers can help you save up to 19% per year on your car insurance policy in Tennessee.
Which company offers the cheapest car insurance rates 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 bundles liability insurance, which is required by most states, with optional coverages like comprehensive and collision. These additional coverages come with a deductible, meaning you’ll have to pay a set amount out-of-pocket before your insurance kicks in.
Find out which insurance company offers the cheapest car insurance rates for full coverage in Tennessee.
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.
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Tennessee drivers who pay lower insurance premiums
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 companies 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.
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 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 insurance providers for liability-only coverage in Tennessee
Liability-only coverage will financially protect you up to the specific policy limits for any damage, injuries or deaths resulting from an accident for which you’re responsible.
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 in Tennessee
Full coverage car insurance policies consist of comprehensive and collision insurance. Comprehensive and collision protect against accidents, theft, vandalism and 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
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.
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 premiums in Tennessee after a DUI conviction
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 companies in Tennessee after an at-fault accident
If you’re a driver with an at-fault accident on your record, State Farm is the cheapest option, offering car insurance at an average cost of $1,308 annually.
Nationwide is the second most affordable option, providing full-coverage insurance to drivers with a history of at-fault accidents at an average cost 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.
Cheapest car insurance rates by state
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Our apologies, we cannot display the data due to availability or spelling errors. Please check the spelling and try again. For assistance, reach out us via Tennessee cities with 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.
In Tennessee, Bristol stands out as the city with the lowest auto insurance rates, at an average of $1,385 per year.
Insurers base these rates on various factors such as theft statistics, collision rates and incidents of vandalism to assess risk in different areas. Additionally, your individual driving history, vehicle make and age play a role in calculating the premiums you pay.
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
Average savings 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.
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
Tennessee drivers can lower their car insurance costs by taking advantage of discounts. Insurance companies give discounts to drivers who drive safely, have safety features in their cars and bundle insurance policies.
Compare prices and coverage from different insurance companies to get the best deal and discounts for your specific needs.
Below, find common auto insurance discounts available in Tennessee.
| 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 |
Final thoughts on cheap car insurance in Tennessee
Our research shows that Tennessee Farmers has the cheapest full coverage car insurance rates in Tennessee for individuals with a good driving record.
We understand that finding affordable car insurance is important, but it’s also crucial to ensure you have enough coverage for adequate financial protection.
To get cheap car insurance in Tennessee, first, figure out what coverage you need. Then, compare prices from different companies. Look for discounts and try to keep your driving record clean. Even if you’ve had tickets or accidents, you might still find a company that offers you a good deal.
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.
Ask the Insurance Expert
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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John McCormick
Editorial Director
John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.
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Leslie Kasperowicz
Managing Editor
Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.
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Nupur Gambhir
Managing Editor
Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.
Guide to car insurance (with rates) in cities of Tennessee