- The average cost of car insurance in Tennessee is $2,235 a year or $186 per month, based on our data analysis.
- Minimum liability coverage in Tennessee costs around $658 annually for limits of 25/50/25, while liability-only coverage costs $698 per year for limits of 50/100/50.
- GEICO provides the most affordable annual rates for full coverage car insurance in Tennessee, costing $1,686 per year.
- In Tennessee, driving incidents can significantly increase premiums, with a speeding ticket raising rates by up to 44%, a DUI raising rates by 73%, and an at-fault accident by up to 71%.
The cost of car insurance in Tennessee varies significantly depending on the type and amount of insurance coverage you buy, your location, age and driving history. GEICO offers the cheapest rates at $1,686 a year for full coverage.
This guide makes buying car insurance in Tennessee easy. We’ve done the hard work by researching and analyzing what different drivers might pay for insurance.
Keep reading to get a clear idea of how car insurance in Tennessee works and how much coverage you need.
How much is car insurance in Tennessee?
CarInsurance.com data found that drivers in Tennessee pay $186 monthly for full coverage car insurance.
Understanding the average insurance cost can help you plan your budget. Remember, car insurance rates vary widely, depending on the type of car you drive, your driving history and other personal factors.
See how rates change in Tennessee based on driver profile:
- Teen drivers in Tennessee pay the most — about $679 a month or $8,151 a year.
- Young drivers in their 20s pay an average of $305 monthly or $3,661 annually, for car insurance.
- Senior drivers pay around $179 monthly or $2,150 a year.
- A speeding ticket can increase your rates to $269 monthly or $3,226 annually.
- An at-fault accident increases car insurance rates to $319 a month or $3,824 a year.
- Poor credit drivers usually see their car insurance costs increase to $329 monthly or $3,945 annually.
Average cost of auto insurance in Tennessee by coverage level
Car insurance costs in Tennessee can differ based on the coverage limit. To legally drive, Tennessee residents must adhere to the minimum liability limits of 25/50/25.
Liability-only policies are the cheapest, offering bare-bones protection that meets state’s financial responsibility laws – but they don’t offer much legal protection and coverage for your medical costs or property damage.
While liability insurance protects you from financial loss by covering legal defense and damages if you’re found responsible for causing injury or property damage to others, it doesn’t protect your vehicle or passengers.
Full coverage car insurance policies are the most expensive but provide much more protection. They cover your own vehicles from accidents, theft, natural disasters and animal strikes. With a full-coverage insurance policy, drivers can be confident that they’re protected in the event of an accident up to the limits of their policies.
Full coverage comprises liability, comprehensive, collision and any other coverage required by your state.
Below are the Tennessee car insurance costs for three different coverage levels.
| Coverage level | Monthly rates | Annual rates |
|---|---|---|
| State Minimum BI/PD | $55 | $658 |
| Liability Only – 50/100/50 BI/PD | $58 | $698 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $186 | $2,235 |
State minimum car insurance in Tennessee
Tennessee’s car insurance laws require a minimum coverage of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident and $25,000 in property damage liability.
The state minimum car insurance cost in Tennessee is $658 a year. However, this basic coverage only offers limited protection. Tennessee drivers can choose to add more coverage, such as comprehensive and collision insurance, raise their liability limits and include personal injury protection or other insurance coverage, for better protection.
Drivers in Tennessee must purchase the minimum required car insurance to operate their vehicles on the road.
Liability-only car insurance in Tennessee
Liability-only car insurance costs $698 in Tennessee for coverage limits of 50/100/50, according to CarInsurance.com data.
Liability-only insurance helps cover the costs if you damage someone else’s car or injure someone in an accident. It’s more affordable than full coverage insurance, but remember, it doesn’t pay for repairs to your vehicle or cover injuries to your passengers.
Full coverage car insurance in Tennessee
In Tennessee, you can expect to pay around $2,235 per year for full coverage car insurance for the limits of 100/300/100 – $100,000 in bodily injury coverage, $300,000 in bodily injury coverage per accident and $100,000 in property damage coverage.
Car insurance experts advise drivers to get full coverage insurance with the highest liability limits they can afford. Full coverage includes liability, comprehensive and collision coverage, with a deductible.
Calculate the cost of car insurance in Tennessee
Insurance costs can vary depending on where you live. An affordable policy for someone in one area might be more expensive for someone living elsewhere.
When determining insurance premiums, companies study crime rates, traffic conditions, car thefts and population density in different areas. This research helps them assess the associated risk and set competitive prices for their policies.
As a result, residents in higher-risk neighborhoods in Tennessee pay more for premiums than those in lower-risk areas.
Use our simple tool to see how much you’ll have to pay for car insurance. Just type in your ZIP code, and you’ll get quotes for different coverage options quickly.
Calculate car insurance rates by ZIP code in Tennessee
Rates vary by location. Our tool helps you understand how your ZIP code impacts your premium.
For 30 year old Male ( Full - 100/300/100)
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Estimate car insurance in Tennessee by car model
Tennessee car insurance providers use the make and model of your vehicle to determine premiums. If you drive a luxury car, which can be expensive to repair, expect to pay more for insurance than cars that are easier and cheaper to fix.
For instance, luxury brands like Maserati, BMW, Porsche, and Audi usually have higher insurance costs. Cars like Subaru, Hyundai, Honda and Mazda are often cheaper to insure.
Find out how much car insurance costs for your car make and model in Tennessee.
Insurance rates by car model
Guide: How to estimate car insurance using our car insurance estimator tool
Car insurance rates by age group in Tennessee
As drivers age, their auto insurance premiums change – with younger and teen drivers paying higher rates than experienced drivers. The crash rate for teen drivers is four times higher than that of drivers aged 20 and older, according to the Insurance Institute for Highway Safety.
Car insurance companies know teen drivers are less experienced and riskier to insure. Tennessee drivers aged 30 to 60 have the lowest average auto insurance rates at $2,115 annually.
Drivers aged 16-19 pay $6,036 more for car insurance than Tennessee drivers aged 30-60 per year.
See the average rates by age group below:
- For teen drivers: Teens aged 16-19 can expect to pay $8,151 per year for a full coverage car insurance policy.
- For young adults: Drivers aged 20-25 can expect to pay $3,504 yearly for a full coverage policy.
- For average-aged adult drivers: Drivers aged 30 to 60 can expect to pay $2,115 annually in Tennessee.
- For senior drivers: Drivers aged 65 and older can expect to pay $2,150 per year.
Check out our detailed guide on average car insurance rates by age
Rates based on driver profile, history and habits in Tennessee
Having a DUI, speeding ticket or being at fault in an accident can substantially increase your insurance rates. In Tennessee, a DUI conviction often results in higher premiums and you may see an increase of up to 73% as insurers perceive you as a high-risk driver.
If you get caught speeding in Tennessee, your car insurance rates will increase by 44% when you renew your policy. Typically, you’ll pay the increased premiums for three years. But how much your rates go up can vary depending on the laws in your state, the insurance company you’re with, and your driving history.
Here’s a breakdown of how much your car insurance rate goes up in Tennessee following driving incidents:
- Speeding ticket: Up to 44% increase
- DUI conviction: 73% increase
- At-fault accident (bodily injury and property damage): 71% increase
Even if you’ve received a traffic ticket, comparing quotes can still help you save money.
Car insurance cost in Tennessee for high-risk drivers
In Tennessee, if you’re a high-risk driver, you’ll pay more for car insurance. Factors such as past accidents, speeding tickets, and having a low credit score can increase your insurance costs.
Fortunately, high-risk drivers have several options to lower their insurance premiums. A good first step is to shop around and compare quotes, as each insurance provider has a unique rate structure designed to meet individual needs.
Use this tool to compare prices from different companies and find out which is cheaper for drivers with speeding tickets, DUI convictions or at-fault accidents.
Select your state and risk factor below to see the insurance company and its average annual full coverage rates.
Learn more: The 10 most important factors that affect car insurance rates
Explore car insurance costs in your neighboring states
Compare car insurance quotes in Tennessee
In Tennessee, drivers can save on car insurance by comparing prices from different companies. Many factors affect how much you pay, like your driving history and the type of car you drive. Luckily, there are plenty of choices to help you find good insurance that fits your budget.
Compare the best car insurance options in Tennessee by getting quotes from different insurance companies.
Below are the details of Tennessee car insurance companies and their annual premiums.
| Company | State Minimum | 50/100/50 | 100/300/100 |
|---|---|---|---|
| GEICO | $419 | $500 | $1,686 |
| Auto-Owners | $456 | $486 | $1,907 |
| Erie Insurance | $461 | $509 | $2,142 |
| Farm Bureau Insurance of Tennessee | $479 | $544 | $2,146 |
| Farmers | $902 | $976 | $2,303 |
| Nationwide | $1,010 | $911 | $2,411 |
| Allstate | $901 | $1,003 | $3,152 |
Car insurance rates by city in Tennessee
Memphis is Tennessee’s most expensive city for car insurance at an average cost of $2,671 annually. Franklin is the state’s least expensive city, with an average car insurance rate of $2,001 annually.
Car insurance costs differ from city to city in Tennessee, mainly because of traffic congestion. Cities with more traffic usually see more accidents and insurance claims, which makes insurance more expensive.
Rates can also be influenced by factors such as uninsured motorist statistics, expenses related to repairs and medical treatment, as well as the overall crime rate in the city.
Find below the average annual car insurance cost for drivers in some of Tennessee’s major cities.
Select your city below to see the insurance company and its average full coverage rates.
How much does car insurance cost in Tennessee per month?
The average cost of a full-coverage car insurance policy in Tennessee costs $186 monthly for coverage limits of 100/300/100.
Paying car insurance monthly can offer individuals greater budget flexibility. By spreading the cost over time, they can avoid the strain of a hefty lump sum payment and manage their expenses more comfortably.
While paying your car insurance in full upfront at renewal can sometimes get you a discount, the best choice will depend on your situation.
| Coverage level | Monthly rates |
|---|---|
| State Minimum BI/PD | $55 |
| Liability Only – 50/100/50 BI/PD | $58 |
| Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll | $186 |
Final thoughts on choosing car insurance in Tennessee
When it comes to car insurance, one size doesn’t fit all. Drivers prioritize different things. Some value top-notch customer service and are willing to pay extra for it. Others focus on finding the cheapest rates possible. Some look for insurance companies with user-friendly mobile apps for managing claims and payments.
Understanding your needs and finding the best insurance policy at a great price are important. So, take your time and check out different options to find the right policy for you.
Resources & Methodology
Sources
- Insurance Institute for Highway Safety. “Teenagers.” Accessed April 2026.
- USAA. “How credit affects insurance premiums.” Accessed April 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates in Tennessee. The average premiums are based on the sample profile of a 40-year-old male and female driving a Honda Accord LX with a good insurance score and a clean driving record.
The rates are for different coverage limits. It includes:
- Full coverage car insurance with a coverage limit of $100,000 in bodily injury per person, $300,000 in bodily injury coverage per accident, $100,000 in property damage coverage per accident and a $500 collision/comprehensive deductible.
- Liability-only car insurance rates with a limit of 50/100/50.
- State minimum coverage limit of 25/50/25.
Read the detailed methodology for more information.
Note: USAA is only available to military community members and their families.
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