In Tennessee, the type of car you drive can significantly affect your auto insurance premiums. Insurance companies take into account more than the make and model, they also factor in crash-test ratings, theft rates, safety features and average repair expenses. Other factors, such as your age and driving history, also play a key role in determining your premiums.
We’ve put together a list of the vehicles with the lowest insurance costs in Tennessee by make, model and vehicle type. Whether you drive a sedan, SUV, sports car, electric vehicle (EV) or any other luxury model, you’ll find the most affordable car insurance rates for each category below.
Ranked: The cheapest cars to insure in Tennessee
In Tennessee, GMC Savana and Honda CR-V have the cheapest car insurance rates, followed by Honda HR-V and Jeep Wrangler, based on our research.
The table below highlights the most affordable vehicles to insure in Tennessee, including their average six-month full coverage premiums.
| Car make-model | Average six-month premium |
|---|---|
| GMC Savana | $1,042 |
| Honda CR-V | $1,058 |
| Honda HR-V | $1,085 |
| Jeep Wrangler | $1,090 |
| Volkswagen Tiguan | $1,091 |
| Subaru Outback | $1,094 |
| Mazda CX-5 | $1,097 |
| Chevrolet Express | $1,097 |
| Hyundai Venue | $1,099 |
| Hyundai Santa Fe | $1,100 |
Read more: Cheapest cars to insure across the United States
Most affordable cars to insure by vehicle type in Tennessee
Auto insurance costs can vary greatly depending on the type of car you drive. Generally speaking, the Van is the cheapest to insure, while the Performance Car is the most expensive.
We’ve reviewed rates for sedans, SUVs, sports cars, electric vehicles and luxury vehicles and identified the cheapest makes and models for each type, along with their average six-month premiums.
Cheapest sedans to insure in Tennessee
Based on our data analysis, the Subaru Legacy is the cheapest sedan to insure, with an average cost of $1,155 for a full coverage car insurance six-month policy with limits of 100/300/100 and $500 collision and comprehensive deductibles.
It is followed by the Nissan Versa, which costs $1,241, and the Volkswagen Jetta, which costs $1,270 to insure.
Below, you’ll find the most affordable sedans to insure in Tennessee and their six-month full coverage car insurance premiums.
| Vehicle model (sedan) | Average six-month premium |
|---|---|
| Subaru Legacy | $1,155 |
| Nissan Versa | $1,241 |
| Volkswagen Jetta | $1,270 |
| Honda Accord | $1,271 |
| Volkswagen Jetta GLI | $1,273 |
| Honda Civic Sedan | $1,274 |
| Kia Forte | $1,291 |
| Nissan Sentra | $1,302 |
| Toyota Camry | $1,306 |
| Toyota Corolla | $1,317 |
| Mazda 3 Sedan | $1,345 |
| Chevrolet Malibu | $1,354 |
| Nissan Altima | $1,362 |
| Hyundai Elantra | $1,369 |
| Mitsubishi Mirage G4 | $1,385 |
| Kia K5 | $1,434 |
| Hyundai Sonata | $1,475 |
Learn more: Cheapest sedans to insure across the United States
SUVs with the cheapest car insurance costs in Tennessee
In Tennessee, the Honda CR-V and Honda HR-V are some of the most affordable SUVs to insure with an average six-month full coverage cost of $1,058 and $1,085 respectively. See the table below for the complete list of affordable SUVs to insure.
| Vehicle model (SUV’s) | Average six-month premium |
|---|---|
| Honda CR-V | $1,058 |
| Honda HR-V | $1,085 |
| Jeep Wrangler | $1,090 |
| Volkswagen Tiguan | $1,091 |
| Mazda CX-5 | $1,097 |
| Hyundai Santa Fe | $1,100 |
| Subaru Crosstrek | $1,103 |
| Honda Pilot | $1,117 |
| Hyundai Kona | $1,120 |
| Toyota RAV4 | $1,126 |
| Hyundai Tucson | $1,127 |
| Honda Passport | $1,130 |
| Subaru Forester | $1,131 |
| Toyota Corolla Cross | $1,132 |
| Chevrolet TrailBlazer | $1,140 |
| Volkswagen Taos | $1,144 |
| Kia Sportage | $1,146 |
| Chevrolet Traverse Limited | $1,148 |
| Mazda CX-30 | $1,149 |
| Buick Encore GX | $1,152 |
Learn more: Cheapest SUVs to insure across the United States
Sports cars with affordable insurance rates in Tennessee
Sports cars often come with hefty insurance premiums because of their powerful engines, making them more prone to speeding violations, accidents, costly repairs and theft.
However, some models break the mold. Take the Mazda MX-5 Miata, for example, which is among the most affordable on our list, with an average six-month full coverage cost of $1,191.
The table below highlights the average six-month full coverage cost of various sports cars.
| Vehicle model (Sport cars) | Average six-month premium |
|---|---|
| Mazda MX-5 Miata | $1,191 |
| Honda Civic Si | $1,349 |
| Chevrolet Camaro | $1,457 |
| Toyota GR86 | $1,595 |
| Ford Mustang | $1,633 |
| Subaru BRZ | $1,681 |
| Subaru WRX | $1,707 |
| Toyota GR Corolla | $1,723 |
| Honda Civic Type R | $1,750 |
| BMW Z4 | $1,756 |
| Toyota GR Supra | $1,795 |
| Porsche 718 Boxster | $1,820 |
| Chevrolet Camaro ZL1 | $1,895 |
| Chevrolet Corvette | $1,937 |
| Porsche 718 Cayman | $2,164 |
| Chevrolet Corvette Z06 | $2,399 |
| Jaguar F-Type | $2,449 |
| Nissan Z | $2,614 |
| Porsche 911 | $2,763 |
| Porsche 911 Turbo | $2,921 |
Learn more about cheapest sports cars to insure
Most affordable luxury vehicles to insure in Tennessee
Luxury cars are also more expensive to insure than some vehicle types because they’re loaded with expensive features, making them more costly to repair and replace than smaller crossover SUVs like the Honda CR-V, Honda HR-V or Volkswagen Tiguan.
The Acura RDX is the cheapest luxury car to insure, with an average cost of $1,172 for a full coverage six-month policy. It is followed by the Lincoln Corsair ($1,237) and Volvo XC40 ($1,287).
The table below shows the full coverage six-month average premiums for different luxury vehicles with limits of 100/300/100 and $500 collision and comprehensive deductibles.
| Vehicle model (Luxury cars) | Average six-month premium |
|---|---|
| Acura RDX | $1,172 |
| Lincoln Corsair | $1,237 |
| Volvo XC40 | $1,287 |
| Acura MDX | $1,288 |
| Cadillac XT4 | $1,302 |
| Cadillac XT5 | $1,304 |
| Audi Q3 | $1,343 |
| Mercedes-Benz GLA-Class | $1,389 |
| BMW X3 | $1,406 |
| Alfa-Romeo Tonale | $1,407 |
| Lexus RX | $1,418 |
| Acura Integra | $1,424 |
| Cadillac XT6 | $1,424 |
| Volvo XC60 | $1,432 |
| Acura TLX | $1,438 |
| BMW X2 | $1,449 |
| Lexus NX | $1,458 |
| Infiniti QX50 | $1,474 |
| Land Rover Discovery Sport | $1,489 |
| Mercedes-Benz GLB-Class | $1,489 |
Read more about insuring luxury cars in 2025
Top electric cars with cheap insurance rates in Tennessee
Electric vehicles generally come with higher purchase and insurance costs compared to gas-powered models, mainly due to their expensive components, such as batteries and the increased cost of repairs and labor.
Our data shows that the average cost to insure an electric vehicle is $3,725 annually, which breaks down to $310 monthly.
The table below highlights the most affordable EVs to insure in Tennessee, including their average six-month full coverage premiums.
| Vehicle model (EVs) | Average six-month premium |
|---|---|
| Volkswagen ID.4 | $1,137 |
| Mini Cooper Electric | $1,233 |
| Hyundai Kona Electric | $1,281 |
| Kia Niro EV | $1,311 |
| Subaru Solterra | $1,314 |
| Nissan Leaf | $1,364 |
| Chevrolet Silverado EV | $1,392 |
| Audi Q4 e-tron | $1,555 |
| Toyota bZ4X | $1,561 |
| Ford F-150 Lightning | $1,561 |
| Toyota Mirai | $1,583 |
| Genesis Electrified GV70 | $1,617 |
| Hyundai Ioniq 5 | $1,623 |
| Kia EV9 | $1,657 |
| Mercedes-Benz EQB | $1,665 |
| Ford Mustang Mach-E | $1,701 |
| Jaguar I-Pace | $1,720 |
| Chevrolet Blazer EV | $1,726 |
| Kia EV6 | $1,737 |
| Cadillac LYRIQ | $1,750 |
Learn more about how much does insuring an electric vehicle cost
Cheapest cars to insure for teens and young drivers in Tennessee
Car insurance is typically most expensive for drivers under 25, as they’re considered higher-risk due to limited driving history. Choosing a safer, lower-risk vehicle is one way to reduce those premiums. Vehicles that are easier to repair and less appealing to thieves generally come with affordable insurance rates.
The average six-month full coverage premium for an 18-year-old insuring a GMC Savana is $3,801, while insuring a Honda CR-V costs $3,872 for the same coverage.
In the table below, we’ve broken down the most affordable cars to insure by vehicle type to help young drivers and their families make confident choices.
Choose your state and vehicle type to see average six-month insurance rates by vehicle make-model for teens and young drivers.
Final thoughts
The car you drive significantly influences your insurance costs, but other factors, such as your driving history, where you live, and the type of coverage you choose, also play a big part in determining your car insurance premium. This guide can help you find a car that fits your lifestyle and helps you keep insurance costs in check.
See which cars are cheapest to insure in neighboring states
Frequently asked questions
Do electric cars have lower insurance costs in Tennessee?
While electric vehicles often carry higher insurance rates than gas-powered cars, certain models stand out as more affordable when compared to their gas-engine counterparts.
For instance, it would cost you $1,137 for a six-month full coverage policy to insure the Volkswagen ID.4, and you can expect to pay an average of $1,233 for the Mini Cooper Electric for the same coverage.
Which SUVs are the cheapest to insure in Tennessee?
In Tennessee, insuring a Honda CR-V SUV costs about $1,058 for six months, making it one of the most affordable options. The Honda HR-V and Jeep Wrangler also have cheap car insurance rates.
What are the cheapest cars to insure for teen drivers in Tennessee?
The GMC Savana, Honda CR-V, Subaru Outback and Honda Ridgeline are some of the cheapest cars to insure for 18-year-olds in Tennessee. However, insuring models such as the Maserati Quattroporte, Maserati Ghibli and Audi e-tron GT can be significantly more expensive due to higher risk factors.
Methodology
CarInsurance.com collected data from Quadrant Information Services for different makes and models. The rates are based on sample profiles of 18-year-old and 40-year-old drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies for 1,661 makes and models across 510 ZIP codes nationwide. The rates are for comparison purposes only; your exact rates may vary.
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