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tennessee $56.33/mo.
National $89.17/mo.

Average Premiums

Shopping for cheap car insurance in any state can be overwhelming if you don’t know where to look. If you’ve been struggling to find affordable car insurance quotes in Tennessee, we’re here to help. Keep reading to learn about Tennessee’s car insurance requirements and where to find the cheapest car insurance for drivers from all walks of life.

Tennessee Car Insurance Requirements

While Tennessee is known as the Volunteer State, demonstrating financial responsibility is mandatory for all drivers. Issuing a cash deposit or bond for $60,000 or qualifying as a self-insurer are the rare and round-about ways to meet this requirement, but most Tennessee drivers choose to get car insurance. Auto insurance policies come with minimum required levels in Tennessee that will help guide your car insurance shopping.

Tennessee Liability Requirements

For bodily injury liability, Tennessee residents need minimum coverage levels of $25,000 per person and $50,000 per accident.

While property damage liability, which includes damage to homes and vehicles, requires drivers to secure a minimum of $15,000 in coverage.

Don’t know what those numbers mean? Check out our liability coverage page.

Uninsured Motorist Coverage

Collision and comprehensive insurance are available but not required. Additionally, while insurance companies must include Tennessee drivers’ uninsured motorist coverage at those same levels in their policies, drivers can decline this provision. You want to think hard about this decision as the coverage provides security if you have an accident with an uninsured motorist. In Tennessee, an estimated 20-percent of drivers are uninsured! So, the likelihood of this happening is higher than you think. Paying your premiums is only half the battle; TN also requires drivers to keep proof of insurance on them at all times.

At-Fault State

As a “fault” state, Tennessee places the legal liability and financial responsibility of an accident on drivers who were determined to have caused accidents. This allows those injured in accidents the option of filing a claim with their own provider, filing through the provider of the party determined to be at fault, and filing a civil suit seeking additional damages.

You don’t need to worry about insurance for Medical payments, collision insurance, and comprehensive coverage in Tennessee; however, keep in mind the added costs lawsuits and other bills could bring your way. The minimal coverage amounts may not be sufficient for your financial situation if you are deemed to be at fault for an accident.

Tennessee Car Insurance Penalties

While meeting the minimum Tennessee car insurance requirements provides peace of mind, failure to maintain compliance may result in the following penalties:

  • A Class C misdemeanor conviction and a fine of up to $100
  • Suspension of your driver’s license
  • Meeting all requirements associated with having driving privileges reinstated before you can renew your registration
  • Filing an SR-22 annually for five years after driving privileges are reinstated (In Tennessee, this may be truncated to three years if SR-22 is filed three total years after reinstatement.)

 

Cheapest Car Insurance for Teen Drivers in Tennessee

Finding cheap car insurance for teen drivers is always a challenge. Their young age and limited driving experience put them in a high-risk group of drivers. Thankfully, there are insurance companies in Tennessee offering affordable car insurance for teen drivers.

Insurance Company Monthly Premium
Direct Auto $157
Safe Auto $161

Direct Auto is the cheapest car insurance company for Tennessee teens, with average rates as low as $157/mo. Safe Auto follows close behind with a monthly rate of $161 for liability insurance.

Although these two companies offer the lowest rates for teen drivers in Tennessee, this doesn’t guarantee you’ll get the same rates. Insurance companies take several factors into consideration when determining rates. Take time to shop around and compare car insurance to ensure you’re getting the best deal for your teen driver.

Cheapest Car Insurance for Young Drivers in Tennessee

Once drivers reach the age of 25, they can expect to see a steady decline in their car insurance rates. Until then, they’ll need to do their research and compare car insurance to find the cheapest coverage possible.

Here are the most affordable companies for drivers 18-24 years old in Tennessee.

Insurance Company Monthly Premium
Gainsco $91
Dairyland $119
Direct Auto $125
Liberty Mutual $133
Shelter Mutual $135
Safe Auto $155
Elephant $187

Drivers in this age bracket will enjoy the cheapest rates from Gainsco, with rates averaging $91/mo for liability insurance. Other options include Dairyland ($119/mo), Direct Auto ($125/mo), and Liberty Mutual ($133/mo).

Although these are the most affordable companies on average, it still pays to make your own comparisons. Other companies may provide you with better rates based on your location, driving history, or educational background. Compare quotes from various insurance companies to find the cheapest car insurance quotes.

Cheapest Car Insurance for Retired Drivers in Tennessee

Drivers heading towards retirement age have much to look forward to. They get to spend more time with their families, spend less time commuting, and explore forgotten hobbies.

Unfortunately, there is a downside to drivers reaching their mid-60s – increased car insurance premiums. As drivers age, insurance companies begin to see them as high risk, leading to more expensive car insurance.

Thankfully, with a little effort, retired drivers can find affordable car insurance in Tennessee.

We found Direct Auto to be the cheapest car insurance company for retired drivers in Tennessee, with rates averaging just $66/mo.

While this is an affordable rate, retired drivers should still compare auto insurance rates with other insurance companies throughout Tennessee to make the most of their new pensions.

Cheapest Car Insurance by City in Tennessee

Car insurance rates can change a lot depending on where you live. We analyzed average car insurance rates from nearly 50 cities across Tennessee to give you a better idea of what you might pay in your hometown:

City Average Monthly Car Insurance Premium
Antioch $59
Bristol $43
Chattanooga $50
Clarksville $59
Cleveland $51
Clinton $53
Columbia $48
Cookeville $47
Cordova $66
Crossville $40
Dickson $46
Dyersburg $44
Franklin $47
Gallatin $56
Goodlettsville $57
Greeneville $53
Hendersonville $66
Hermitage $56
Jackson $44
Johnson City $41
Kingsport $44
Knoxville $52
La Vergne $53
Lebanon $48
Lenoir City $49
Madison $66
Manchester $46
Maryville $52
Memphis $69
Millington $60
Morristown $42
Mount Juliet $58
Murfreesboro $55
Nashville $52
Oak Ridge $48
Ooltewah $50
Powell $44
Sevierville $47
Shelbyville $52
Smyrna $58

As you can see, Crossville is the cheapest city on our list with an average rate of just $40 a month for car insurance. On the other end of the spectrum, Memphis comes in as the most expensive city in Tennessee, with average rates approaching $70.

Click on the name of each city in the table above to find detailed breakdowns on all the factors that go into calculating your monthly premium. Here, you’ll find all the information you need on how things like driving record, age, gender, vehicle make and model, and more will affect how much you pay for car insurance in each locality.

And if you want to jump right in and see how much you’ll pay, simply enter your ZIP code below and find your best rate in minutes!

Cheapest Car Insurance for Married Drivers in Tennessee

You’ve just walked down the aisle and said yes to forever. Now it’s time to say yes to a new, more affordable car insurance rate as a married driver. Check out a few affordable options for couples who just got hitched below:

Insurance Company Monthly Premium
Gainsco $50
Liberty Mutual $78
SafeAuto $79

Gainsco offers the cheapest car insurance with a monthly premium of $50/mo. Liberty Mutual follows with monthly rates of $78/mo, and SafeAuto isn’t far behind at $79/mo.

While Liberty Mutual and SafeAuto only differ by $1, it’s good to look at what coverage is offered to make sure it’s a good fit for you and your other half. By shopping around for car insurance, you’ll get the best deal for your family and start your new union on the right foot.

Cheapest Car Insurance for Single Drivers in Tennessee

While married couples enjoy discounts on their car insurance, this doesn’t mean that single drivers in Tennessee are doomed to pay expensive rates. These ten companies offer single drivers cheap car insurance that won’t break the bank.

Insurance Company Monthly Premium
Safeco $66
Dairyland $68
Gainsco $69
Direct Auto $71
Shelter Mutual $76
Liberty Mutual $82
Travelers $98
SafeAuto $107
Motion Auto $113
The General $114

Single drivers get the most affordable rates with Safeco that offers a monthly premium of $66 for liability insurance. Next in line are Dairyland ($68/mo), Gainsco ($69/mo), and Direct Auto ($71/mo) for the most affordable premiums if you haven’t made it down the aisle yet.

Your rates as a single driver will be a bit higher compared to drivers that are married. Be sure to shop around and compare rates to find the most affordable premiums for your coverage needs.

Cheapest Car Insurance for Men vs. Women in Tennessee

Your gender is a factor when auto insurance companies calculate your monthly rate. While men typically pay more for insurance than women, it’s important that you compare rates to find the best option regardless of your gender because it’s just one piece of the puzzle that makes up how much you pay for insurance.

Here are the most affordable auto insurance companies for men and women in Tennessee

Top 5 Cheapest Companies for Men in TN

Insurance Company Monthly Premium
Gainsco $66
Safeco $71
Direct Auto $72
Shelter Mutual $75
Dairyland $80

Top 5 Cheapest Companies for Women in TN

Insurance Company Monthly Premium
Dairyland $61
Safeco $62
Gainsco $65
Direct Auto $71
Shelter Mutual $78

When comparing the cheapest car insurance rates for men and women, you’ll notice that Gainsco offers the most affordable coverage for men at $66/mo. Dairyland offers the cheapest coverage for women at $61/mo. Safeco is second on the list for both men and women, with rates of $71/mo and $62/mo, respectively. Overall, women pay less for car insurance in Tennessee, with a difference of $2 for the cheapest car insurance between men and women.

Other than your gender, there are a whole host of additional factors that affect your car insurance rates. You can compare insurance companies in your state to get the best deal using Compare.com.

Cheapest Car Insurance for Tennessee Drivers with Spotty Records

Is your driving record less than stellar? Were you in a few accidents in the past? If so, you’ve likely seen the impact it had on your car insurance rates. While your driving history is one factor that determines your auto insurance rate, thankfully, you can find affordable car insurance with a spotty record.

Cheap Car Insurance for Drivers with a Ticket on their Record

Insurance Company Monthly Premium
Gainsco $64
Direct Auto $77
Dairyland $83
Liberty Mutual $86
Shelter Mutual $90

Cheap Car Insurance for Drivers with Multiple Tickets on Their Record

Insurance Company Monthly Premium
Gainsco $64
Direct Auto       $95
Dairyland $95
SafeAuto $103

As you can see, with Gainsco, there’s no difference for drivers with one ticket on their record vs. drivers with multiple tickets. In both cases, drivers pay a monthly premium of $64/mo for liability insurance. However, with Direct Auto, drivers see a difference of $18/mo. With Dairyland, drivers with multiple tickets pay $12 more monthly than drivers with a single ticket on their record.

If you have a spotty driving record, you must compare car insurance rates to avoid overpaying for insurance. Your driving record is only one of the factors insurance companies use, along with your location, age, and gender.

Cheap Car Insurance for Drivers with an Accident on their Record

Insurance Company Monthly Premium
Gainsco $92
Liberty Mutual $102
Direct Auto $104
Dairyland $110
Shelter Mutual $120

Cheap Car Insurance for Drivers with Multiple Accidents on their Record

Insurance Company Monthly Premium
Dairyland $87
Safe Auto $118
Direct Auto $144
Elephant $163

Similar to tickets, drivers with multiple accidents on their record will also pay more in car insurance. In comparison, a driver insured by Direct Auto will pay $104/mo for having a single accident on their record, while a driver with multiple accidents on their record will pay $144/mo. You might not think that’s a big deal, but over a year, that’s an additional $480 in car insurance payments!

If you’ve had the misfortune of multiple accidents on your record, be sure to shop around regularly for car insurance. By actively comparing car insurance premiums and applying all possible discounts, you can find more affordable car insurance until your record is clean again. Although it may take some time for the accidents and tickets to drop off your record, you can enjoy cheaper car insurance in the meantime.

Cheapest Tennessee State Minimum Coverage

If you’re only interested in the state minimum coverage for your vehicle, you can save hundreds of dollars a year. The following insurance companies offer cheap state minimum coverage in Tennessee for drivers looking to save some cash.

Insurance Company Monthly Premium
Shelter Mutual $40
Safeco $41
Gainsco $46
Direct Auto $50
Dairyland $51
Liberty Mutual $53
Safe Auto $76

You can get state minimum coverage in Tennessee for as low as $40/mo when you choose Shelter Mutual as your insurer. Safeco ($41/mo), Gainsco ($46/mo), and Direct Auto ($50/mo) follow closely behind as the next most affordable car insurance providers when you’re looking for the most basic coverage.

If you want to save even more on car insurance, do your own research and compare auto insurance rates to find the lowest premiums in Tennessee. You can also find out from your insurer which discounts apply to you to lower your monthly rates even further.

Dozens of insurance companies will offer discounts for bundling your home and car insurance, insuring multiple cars, or getting good grades as a high school or college student. By combining these discounts, you can see savings of 10% or more on your monthly auto insurance rates.

Cheapest Full Coverage Car Insurance in Tennessee

On the other hand, you might prefer to have full coverage car insurance in Tennessee. Or, perhaps you need to purchase full coverage insurance because you’re driving a leased or financed vehicle.

Regardless of your situation, as your protection level increases, so does your insurance premium. But, before you break a sweat, rest assured that there are cheap full coverage insurance options in Tennessee.

These auto insurance companies offer the cheapest rates in Tennessee to help you protect your assets while saving money.

Insurance Company Monthly Premium
Direct Auto $98
Gainsco $112
Safe Auto $121

Direct Auto offers full coverage for less than $100 a month. The next affordable option sees a jump of 14% to Gainsco ($112/mo) and a jump of 24% to Safe Auto ($121/mo). While these increases may not seem like much, they can add up over a period of 6 or 12 months. To find the most affordable full coverage auto insurance, be sure to shop around and compare rates from several companies.

The Best Rated Car Insurance Companies in Tennessee

JD Power conducts a customer satisfaction survey to identify top-rated auto insurance companies based on a 1,000 point scale every year.

This year, these are the best-rated car insurance companies in Tennessee:

  • Farm Bureau Insurance – Tennessee – 883 points
  • GEICO – 843 points
  • Allstate – 838 points
  • Liberty Mutual – 831 points
  • Nationwide – 831 points
  • Travelers – 831 points
  • Progressive – 828 points
  • Safeco – 820 points
  • Farmers – 818 points

As you can see from the list, Farm Bureau Insurance tops the list with 883 points. The score was based on a combination of interaction, price, policy offerings, the billing process, and policy information and claims. Popular insurance companies like GEICO, and Allstate follow behind.

Tennessee Car Insurance Discounts

One of the best ways to lower your car insurance in Tennessee is to take advantage of the car insurance discounts available to you. Of course, you’ll need to check with each insurance company to make sure you qualify for their discounts, but here are some common ones to ask about.

  • Multi-Car Discount: Do you have multiple cars you need to insure? Insure more than one car on your policy to qualify for the multi-car discount and save up to 25% on your insurance premium.
  • Multi-Policy Discount: Whether you’re a homeowner or renting, bundling your home or renters insurance with your car insurance policy can help you save up to 25% on your premium. You can also bundle your life insurance and get a discount.
  • Pay in Full Discount: Drivers who pay their yearly car insurance premium in full are rewarded with a discount from their insurer. You’ll get to save money on your payments and be free from pesky monthly payments.
  • Vehicle Safety Discount: Is your car fitted with the latest safety features on the market? If so, these features can help you save a pretty penny on your car insurance. The unique safety features vary by auto insurer, but airbags, anti-lock brakes, and electronic stability control can lead to significant discounts on your premiums.
  • Good Student Discount: If you’re currently a high school, college, or university student, you can save money on car insurance with a good student discount. To qualify, you’ll need a B average or higher. Students who rank in the top 20% of their class may also be eligible for this discount. Check with your insurer to find out their detailed requirements.
  • Good Driving Discount: Drivers who consistently demonstrate safe driving habits can save up to 40% on car insurance. Your insurance company might want to install a telematics tracking system in your vehicle or on your cell phone to monitor your driving habits. If you meet their requirements, you can qualify for a good driving discount.
  • Defensive Driving Course Discount: A defensive driving course may not be your leisure activity of choice, but it can help you save 10% on your car insurance. After completing a state-approved course, you should qualify for the discount.
  • Usage-Based Discount: Do you drive less than 7,500 miles a year? If so, you might be eligible for pay-per-mile or usage-based car insurance. With this type of car insurance, you’re given a low monthly base rate and only pay for the miles you drive.
  • Anti-Theft Discount: No one wants their car to get stolen, and insurance companies reward drivers who go on the offensive to protect their vehicle. Features such as a vehicle tracking system can help you save from 15% to 20% on your car insurance.
  • Customer Loyalty Discount: Just like being a loyal customer at your favorite restaurant can get you a few perks; you can earn discounts on your car insurance for staying with the same company. Some insurance companies give drivers discounts or perks after the 5 or 10 year milestone. Don’t get too comfortable, though. Car insurance companies often increase your premiums over the years, and it may make more sense to jump ship and start looking elsewhere for cheaper rates.

Regardless of the state you live in, drivers can also reduce their car insurance rates by lowering their base premium or raising their deductible. Of course, if you choose to raise your deductible, make sure you can afford to pay it out of pocket. Otherwise, if you get into a collision, you won’t be able to afford your much needed repairs.

Tennessee Vehicle Registration Fees and Other Costs

If you’re in the market for a new or used car, you’ll need to budget for more than just the vehicle’s sticker price. You’ll be on the hook for basic DMV fees like title, license plate, and registration fees, as well as buying a new car insurance policy.

But some buyers will find themselves with additional fees such as sales tax, documentation fees, personal property tax, emissions and inspection fees, hybrid and electric vehicle fees, lien recording fees and a slew of other costs.

Check out Compare.com’s comprehensive vehicle costs breakdown to make sure you account for all the added fees you might be on the hook for when buying a car in Tennessee.

Tennessee Auto Insurance FAQs

What car insurance is required in Tennessee?

In Tennessee, drivers are required to hold the following state minimum insurance coverage levels:

How much is car insurance in Tennessee?

Based on the amount of coverage you need and several other factors, the cost of car insurance in Tennessee can vary widely. In general, the average cost of car insurance in the Volunteer State is $83/mo.

What happens if you drive without insurance in Tennessee?

Driving without car insurance in any state isn’t wise, and Tennessee has consequences in place for those who drive illegally.

Your first offense will result in a Class C misdemeanor and a fine of up to $100. The state can suspend your license and car registration until you provide proof of insurance. Then you’ll need to meet all requirements associated with having driving privileges reinstated before you can renew your registration.

You’ll also be required to file an SR-22 annually for five years after your driving privileges are reinstated. However, Tennessee has a provision that this can be shortened to three years if you file the SR-22 for three consecutive years after reinstatement.

Does Tennessee require full coverage car insurance?

Tennessee doesn’t require drivers to have full coverage car insurance. Once each driver meets the state’s requirements for bodily liability and property damage liability insurance, they can choose whether or not to add additional coverage like comprehensive, collision, or gap insurance.

Can you get car insurance without a license in Tennessee?

It’s illegal to drive without a license in the state of Tennessee, that’s why drivers without a license will find it difficult to secure car insurance from major insurers. You might find it easier to focus on smaller insurance companies that provide policies to unlicensed drivers.



Methodology

All data referenced in this article comes from a combination of proprietary data -- which is aggregated from millions of real customer quotes through Compare.com -- and additional data gathered in collaboration with Quadrant.