Why Compare Car Insurance Rates in Tennessee:
Tennessee, unlike the majority of states, does not have a no-fault system. It is legal in Tennessee to file a personal injury lawsuit on behalf of an uninsured driver who was injured in an accident. Claims for damages are made to the at-fault driver's insurance if they are insured. It's normal to know that car owners in Tennessee are perplexed as to how they can get cheap car insurance in the state without sacrificing adequate coverage. If you just got your driver's license or recently moved to Tennessee, you might be curious about the state's auto insurance laws and how to get the cheap yet best car insurance in Tennessee.
All states require you to buy such insurance coverage before you can register your car. According to the Tennessee Insurance Department, all car owners must have at least the following:
| Coverage Type | Minimum Coverage Limit |
|---|---|
| Bodily injury liability coverage | $25,000 per person $50,000 per accident |
| Property damage liability coverage | $15,000 |
Read our short guide to types of auto insurance coverage to learn more.
Tennessee Farm Bureau provides affordable full-coverage insurance for drivers in Tennessee. Tennessee Farm Bureau's annual rate of $285, or $24 per month, is 41% less expensive than the national average and around $37 less expensive than the second-cheapest insurance company, Erie, by comparison. However, rates vary greatly depending on the car insurance companies, your region, your driving record, and other things. Compare quotes from various insurance to ensure you get the best deal.
| Company | Annual Premium |
|---|---|
| Tennessee Farm Bureau | $285 |
| Erie | $322 |
| Grange Insurance | $338 |
| Cincinnati Insurance | $339 |
| Westfield | $355 |
| Chubb | $380 |
| Farmers | $382 |
| Nationwide | $407 |
| American National P&C | $410 |
| Auto-Owners Insurance Co | $419 |
| State Farm | $442 |
| Progressive | $609 |
| Travelers | $835 |
| Allstate | $1,190 |
| Statewide Average | $482 |
In the event of a car accident, you must meet your financial obligations under Tennessee's Financial Responsibility Law. You can easily meet the state's financial responsibility requirement by purchasing auto liability insurance unless you qualify for an exemption.
If they can't show proof of financial responsibility, uninsured drivers in Tennessee will have to pay fines and risk losing their license plates. All of Tennessee's drivers' insurance information will be verified via a web application.
The minimum liability limits for your automobile insurance policy are as follows:
Collision and comprehensive insurance may be required if you have a loan or lease on a vehicle. Your insurance policy must cover your vehicle, whether it has a regular passenger or motorcycle license plate or a commercial tag. Having a commercial license plate on your vehicle necessitates the purchase of a commercial auto insurance policy.
Tennessee does not require personal injury protection (PIP). Infact in Tennessee, PIP is completely unavailable. If you've been injured in a car accident in Tennessee, you may be eligible for medical payments insurance (sometimes referred to as Med Pay).
Drivers in Tennessee are required by law to carry at least liability insurance. You must have proof of insurance or proof of financial responsibility with you at all times when operating a motor vehicle.
There is a difference of $1,030 between the cost of full-coverage and minimum-coverage policies in Tennessee. Refer the following table to get the numbers of the different insurance quotes.
| Company | Annual Premium |
|---|---|
| Erie | $775 |
| Farmers | $827 |
| Grange Insurance | $829 |
| Tennessee Farm Bureau | $867 |
| Cincinnati Insurance | $869 |
| Westfield | $880 |
| Nationwide | $888 |
| Chubb | $995 |
| American National P&C | $1,070 |
| Auto-Owners Insurance Co | $1,224 |
| State Farm | $1,265 |
| Travelers | $1,815 |
| Allstate | $2,046 |
| Progressive | $2,185 |
| USAA | $724 |
| MetLife | $1,080 |
| Statewide Average | $1,146 |
It's possible to save money on car insurance without having to compromise on coverage. Low-cost car insurance is available in Tennessee from a variety of providers. Using data on average annual rates, we located some of the most cost-effective auto insurance providers in the state of Tennessee. According to our in-house market research, these companies offer the best auto insurance in Tennessee.
In Tennessee, State Farm is the most affordable car insurance company for young drivers. For $2,820 per year, USAA's minimum-coverage policy is 44 percent less expensive than the state's average.
| Company | 16 year old Female | 16-year-old Male |
|---|---|---|
| Nationwide | $3,302 | $4,273 |
| State Farm | $2,065 | $2,593 |
| Allstate | $5,516 | $5,306 |
| Farmers | $6,515 | $7,102 |
| Travelers | $4,256 | $5,439 |
| Auto-Owners Insurance Co | $2,385 | $3,276 |
| Progressive | $7,793 | $8,644 |
| Allstate | $6,934 | $7,556 |
| Erie Insurance | $3,072 | $4,062 |
| Tennesse Farmers | $2,913 | $4,539 |
| USAA | $2,558 | $2,733 |
| Statewide Average | $4,301 | $5,048 |
For a full year of coverage, Erie charges the least in Tennessee for drivers with a recent speeding ticket, at $810.
| Company | Annual Premium |
|---|---|
| Erie | $810 |
| Tennessee Farm Bureau | $868 |
| Cincinnati Insurance | $1,047 |
| Westfield | $1,055 |
| Farmers | $1,082 |
| Nationwide | $1,089 |
| Chubb | $1,130 |
| American National P&C | $1,243 |
| Grange Insurance | $1,271 |
| State Farm | $1,357 |
| Auto-Owners Insurance Co | $1,753 |
| Allstate | $2,264 |
| Travelers | $2,559 |
| Progressive | $2,849 |
| USAA | $871 |
| MetLife | $1,670 |
| Statewide Average | $1,428 |
USAA offers low-cost car insurance for Tennessee residents who have been involved in an accident for which they were at fault.
| Company | Annual Premium |
|---|---|
| Tennessee Farm Bureau | $865 |
| Erie | $1,009 |
| Grange Insurance | $1,132 |
| Farmers | $1,217 |
| Westfield | $1,351 |
| American National P&C | $1,352 |
| Nationwide | $1,429 |
| State Farm | $1,463 |
| Chubb | $1,695 |
| Cincinnati Insurance | $1,828 |
| Auto-Owners Insurance Co | $2,162 |
| Allstate | $2,632 |
| Travelers | $2,658 |
| Progressive | $3,795 |
| USAA | $1,034 |
| MetLife | $1,867 |
| Statewide Average | $1,718 |
Drivers in Tennessee with a DUI can get the best rates from State Farm, In comparison to the state average of $1,760, State Farm's full-coverage policy costs $1,131 per year.
| Company | Annual Premium |
|---|---|
| Farmers | $1,165 |
| Erie | $1,213 |
| State Farm | $1,356 |
| Tennessee Farm Bureau | $1,374 |
| American National P&C | $1,448 |
| Grange Insurance | $1,493 |
| Nationwide | $1,750 |
| Cincinnati Insurance | $2,023 |
| Westfield | $2,440 |
| Progressive | $2,442 |
| Allstate | $2,711 |
| Travelers | $2,933 |
| Auto-Owners Insurance Co | $3,085 |
| Chubb | $3,971 |
| USAA | $1,357 |
| MetLife | $2,914 |
| Erie Insurance | $2,340 |
| Statewide Average | $2,119 |
State Farm has the best auto insurance rates for married couples in Tennessee. Married drivers pay $925 annually for a full-coverage policy from State Farm — 36% below the state average.
| Company | Annual rate |
|---|---|
| State Farm | $925 |
| Progressive | $1,315 |
| Erie | $1,425 |
| Farmers | $1,490 |
| Allstate | $2,055 |
| Nationwide | $2,165 |
| USAA | $761 |
Auto insurance rates for young drivers involved in an at-fault accident cost $1,335 per year from State Farm which is less than the state average.
| Company | Annual Premium |
|---|---|
| Grange Insurance | $1,175 |
| Tennessee Farm Bureau | $1,192 |
| Erie | $1,344 |
| Farmers | $1,389 |
| Westfield | $1,587 |
| Nationwide | $1,660 |
| American National P&C | $1,697 |
| State Farm | $1,885 |
| Cincinnati Insurance | $2,290 |
| Chubb | $2,511 |
| Allstate | $2,852 |
| Travelers | $2,920 |
| Auto-Owners Insurance Co | $3,140 |
| Progressive | $4,669 |
| Statewide Average | $2,180 |
The average full coverage policy in Tennessee costs $1500 a year, making it one of the most expensive states in the country for car insurance. Even though these averages can give you a good idea of how costs may vary, your car insurance rates are likely to be unique. Insuring a vehicle is affected by a number of factors, including the location in which it is kept.
| City | Annual Rate |
|---|---|
| Adams | $1,553 |
| Adamsville | $1,553 |
| Afton | $1,409 |
| Alamo | $1,565 |
| Alcoa | $1,505 |
| Alexandria | $1,517 |
| Algood | $1,457 |
| Allardt | $1,577 |
| Allons | $1,469 |
| Allred | $1,505 |
| Alpine | $1,505 |
| Altamont | $1,517 |
| Andersonville | $1,589 |
| Antioch | $1,685 |
| Apison | $1,493 |
| Ardmore | $1,529 |
| Arlington | $1,733 |
| Arnold AFB | $1,493 |
| Arrington | $1,517 |
| Arthur | $1,589 |
| Ashland City | $1,577 |
| Athens | $1,433 |
| Atoka | $1,745 |
| Atwood | $1,553 |
| Auburntown | $1,493 |
| Bakewell | $1,505 |
| Banner Hill | $1,349 |
| Bartlett | $1,841 |
| Bath Springs | $1,577 |
| Baxter | $1,457 |
| Bean Station | $1,541 |
| Beech Bluff | $1,625 |
| Beechgrove | $1,493 |
| Beersheba Springs | $1,505 |
| Belfast | $1,481 |
| Bell Buckle | $1,481 |
| Belle Meade | $1,601 |
| Bells | $1,577 |
| Belvidere | $1,469 |
| Benton | $1,469 |
| Berry Hill | $1,649 |
| Bethel Springs | $1,589 |
| Bethpage | $1,469 |
| Big Rock | $1,541 |
| Big Sandy | $1,541 |
| Birchwood | $1,517 |
| Blaine | $1,577 |
| Bloomingdale | $1,337 |
| Bloomington Springs | $1,505 |
| Blountville | $1,325 |
| Bluff City | $1,313 |
| Bogota | $1,553 |
| Bolivar | $1,673 |
| Bon Aqua | $1,505 |
| Bon Aqua Junction | $1,517 |
| Braden | $1,637 |
| Bradford | $1,529 |
| Bradyville | $1,517 |
| Brentwood | $1,505 |
| Briceville | $1,637 |
| Brighton | $1,781 |
| Bristol | $1,301 |
| Brownsville | $1,613 |
| Bruceton | $1,541 |
| Brunswick | $1,781 |
| Brush Creek | $1,481 |
| Buchanan | $1,553 |
| Buena Vista | $1,541 |
| Buffalo Valley | $1,469 |
| Bulls Gap | $1,409 |
| Bumpus Mills | $1,541 |
| Burlison | $1,721 |
| Burns | $1,541 |
| Butler | $1,361 |
| Bybee | $1,541 |
| Byrdstown | $1,565 |
| Calhoun | $1,457 |
| Camden | $1,529 |
| Campaign | $1,505 |
| Carthage | $1,481 |
| Caryville | $1,649 |
| Castalian Springs | $1,481 |
| Cedar Grove | $1,577 |
| Cedar Hill | $1,541 |
| Celina | $1,505 |
| Centerville | $1,505 |
| Central | $1,325 |
| Chapel Hill | $1,505 |
| Chapmansboro | $1,565 |
| Charleston | $1,469 |
| Charlotte | $1,541 |
| Chattanooga | $1,517 |
| Chestnut Mound | $1,481 |
| Chewalla | $1,565 |
| Christiana | $1,505 |
| Chuckey | $1,409 |
| Church Hill | $1,397 |
| Clairfield | $1,625 |
| Clarkrange | $1,553 |
| Clarksburg | $1,529 |
| Clarksville | $1,541 |
| Cleveland | $1,469 |
| Clifton | $1,517 |
| Clinton | $1,577 |
| Coalfield | $1,565 |
| Coalmont | $1,529 |
| Coker Creek | $1,481 |
| College Grove | $1,505 |
| Collegedale | $1,493 |
| Collierville | $1,733 |
| Collinwood | $1,517 |
| Colonial Heights | $1,313 |
| Columbia | $1,505 |
| Como | $1,541 |
| Conasauga | $1,457 |
| Cookeville | $1,457 |
| Coopertown | $1,541 |
| Copperhill | $1,469 |
| Cordova | $1,853 |
| Cornersville | $1,481 |
| Corryton | $1,529 |
| Cosby | $1,577 |
| Cottage Grove | $1,529 |
| Cottontown | $1,481 |
| Counce | $1,541 |
| Covington | $1,709 |
| Cowan | $1,481 |
| Crab Orchard | $1,529 |
| Crawford | $1,529 |
| Crockett Mills | $1,601 |
| Cross Plains | $1,529 |
| Crossville | $1,469 |
| Crump | $1,553 |
| Culleoka | $1,505 |
| Cumberland City | $1,577 |
| Cumberland Furnace | $1,553 |
| Cumberland Gap | $1,589 |
| Cunningham | $1,541 |
| Cypress Inn | $1,517 |
| Dandridge | $1,493 |
| Darden | $1,577 |
| Dayton | $1,469 |
| Decatur | $1,505 |
| Decaturville | $1,601 |
| Decherd | $1,469 |
| Deer Lodge | $1,529 |
| Del Rio | $1,613 |
| Delano | $1,469 |
| Dellrose | $1,493 |
| Denmark | $1,601 |
| Dickson | $1,517 |
| Dixon Springs | $1,493 |
| Dover | $1,553 |
| Dowelltown | $1,553 |
| Doyle | $1,457 |
| Dresden | $1,493 |
| Drummonds | $1,709 |
| Duck River | $1,493 |
| Ducktown | $1,469 |
| Duff | $1,649 |
| Dukedom | $1,553 |
| Dunlap | $1,505 |
| Dyer | $1,541 |
| Dyersburg | $1,553 |
| Eads | $1,757 |
| Eagan | $1,613 |
| Eagleton Village | $1,493 |
| Eagleville | $1,517 |
| East Cleveland | $1,481 |
| East Ridge | $1,517 |
| Eastview | $1,553 |
| Eaton | $1,529 |
| Eidson | $1,421 |
| Elgin | $1,601 |
| Elizabethton | $1,325 |
| Elkton | $1,517 |
| Ellendale | $1,889 |
| Elmwood | $1,493 |
| Elora | $1,493 |
| Englewood | $1,433 |
| Enville | $1,565 |
| Erin | $1,577 |
| Erwin | $1,349 |
| Estill Springs | $1,457 |
| Ethridge | $1,481 |
| Etowah | $1,445 |
| Eva | $1,541 |
| Evensville | $1,457 |
| Fairfield Glade | $1,469 |
| Fairmount | $1,505 |
| Fairview | $1,505 |
| Fall Branch | $1,361 |
| Falling Water | $1,505 |
| Farner | $1,445 |
| Farragut | $1,529 |
| Fayetteville | $1,493 |
| Fincastle | $1,661 |
| Finger | $1,589 |
| Finley | $1,553 |
| Five Points | $1,505 |
| Flag Pond | $1,349 |
| Flat Top Mountain | $1,493 |
| Flintville | $1,505 |
| Forest Hills | $1,649 |
| Fosterville | $1,493 |
| Frankewing | $1,505 |
| Franklin | $1,469 |
| Friendship | $1,565 |
| Friendsville | $1,493 |
| Fruitvale | $1,553 |
| Gadsden | $1,541 |
| Gainesboro | $1,505 |
| Gallatin | $1,481 |
| Gallaway | $1,637 |
| Gates | $1,625 |
| Gatlinburg | $1,529 |
| Georgetown | $1,517 |
| Germantown | $1,805 |
| Gibson | $1,541 |
| Gladeville | $1,469 |
| Gleason | $1,493 |
| Goodlettsville | $1,577 |
| Goodspring | $1,505 |
| Gordonsville | $1,481 |
| Grand Junction | $1,685 |
| Grandview | $1,481 |
| Granville | $1,517 |
| Gray | $1,337 |
| Graysville | $1,505 |
| Green Hill | $1,553 |
| Greenback | $1,493 |
| Greenbrier | $1,541 |
| Greeneville | $1,457 |
| Greenfield | $1,505 |
| Grimsley | $1,553 |
| Gruetli-Laager | $1,529 |
| Guild | $1,505 |
| Guys | $1,565 |
| Halls | $1,589 |
| Hampshire | $1,505 |
| Hampton | $1,349 |
| Harriman | $1,553 |
| Harrison | $1,517 |
| Harrogate | $1,589 |
| Hartford | $1,589 |
| Hartsville | $1,493 |
| Heiskell | $1,565 |
| Helenwood | $1,601 |
| Henderson | $1,565 |
| Hendersonville | $1,505 |
| Henning | $1,613 |
| Henry | $1,529 |
| Hermitage | $1,661 |
| Hickman | $1,493 |
| Hickory Valley | $1,673 |
| Hilham | $1,505 |
| Hillsboro | $1,481 |
| Hixson | $1,505 |
| Hohenwald | $1,469 |
| Holladay | $1,541 |
| Hollow Rock | $1,517 |
| Hopewell | $1,469 |
| Hornbeak | $1,553 |
| Hornsby | $1,649 |
| Humboldt | $1,529 |
| Hunter | $1,337 |
| Huntingdon | $1,529 |
| Huntland | $1,481 |
| Huntsville | $1,613 |
| Huron | $1,589 |
| Hurricane Mills | $1,517 |
| Idlewild | $1,529 |
| Indian Mound | $1,517 |
| Iron City | $1,517 |
| Jacks Creek | $1,565 |
| Jacksboro | $1,613 |
| Jackson | $1,625 |
| Jamestown | $1,577 |
| Jasper | $1,505 |
| Jefferson City | $1,493 |
| Jellico | $1,649 |
| Joelton | $1,661 |
| Johnson City | $1,325 |
| Jonesborough | $1,337 |
| Kelso | $1,493 |
| Kenton | $1,493 |
| Kimball | $1,505 |
| Kingsport | $1,337 |
| Kingston | $1,553 |
| Kingston Springs | $1,577 |
| Knoxville | $1,529 |
| Kodak | $1,577 |
| Kyles Ford | $1,529 |
| La Follette | $1,661 |
| La Grange | $1,637 |
| La Vergne | $1,553 |
| Laconia | $1,649 |
| Lafayette | $1,469 |
| Lake City | $1,577 |
| Lake Tansi | $1,469 |
| Lakeland | $1,781 |
| Lakesite | $1,493 |
| Lakewood | $1,649 |
| Lakewood Park | $1,493 |
| Lancaster | $1,505 |
| Lancing | $1,529 |
| Lascassas | $1,517 |
| Laurel Bloomery | $1,373 |
| Lavinia | $1,565 |
| Lawrenceburg | $1,505 |
| Lebanon | $1,457 |
| Lenoir City | $1,505 |
| Lenox | $1,553 |
| Leoma | $1,505 |
| Lewisburg | $1,469 |
| Lexington | $1,565 |
| Liberty | $1,541 |
| Limestone | $1,385 |
| Linden | $1,553 |
| Livingston | $1,493 |
| Lobelville | $1,529 |
| Lone Mountain | $1,589 |
| Lone Oak | $1,517 |
| Lookout Mountain | $1,493 |
| Loretto | $1,505 |
| Loudon | $1,469 |
| Louisville | $1,505 |
| Lowland | $1,457 |
| Lupton City | $1,517 |
| Luray | $1,565 |
| Luttrell | $1,577 |
| Lutts | $1,517 |
| Lyles | $1,517 |
| Lynchburg | $1,469 |
| Lynnville | $1,493 |
| Macon | $1,661 |
| Madison | $1,697 |
| Madisonville | $1,481 |
| Manchester | $1,493 |
| Mansfield | $1,541 |
| Martin | $1,505 |
| Maryville | $1,481 |
| Mascot | $1,517 |
| Mason | $1,685 |
| Maury City | $1,565 |
| Maynardville | $1,589 |
| Mc Donald | $1,481 |
| Mc Ewen | $1,565 |
| Mc Lemoresville | $1,553 |
| McKenzie | $1,517 |
| McMinnville | $1,469 |
| Medina | $1,553 |
| Medon | $1,637 |
| Memphis | $1,973 |
| Mercer | $1,625 |
| Michie | $1,553 |
| Middle Valley | $1,505 |
| Middleton | $1,673 |
| Midtown | $1,553 |
| Midway | $1,433 |
| Milan | $1,517 |
| Milledgeville | $1,577 |
| Millersville | $1,553 |
| Milligan College | $1,349 |
| Millington | $1,805 |
| Milton | $1,505 |
| Minor Hill | $1,505 |
| Mitchellville | $1,481 |
| Mohawk | $1,421 |
| Monroe | $1,493 |
| Monteagle | $1,517 |
| Monterey | $1,469 |
| Mooresburg | $1,397 |
| Morris Chapel | $1,565 |
| Morrison | $1,481 |
| Morristown | $1,457 |
| Moscow | $1,673 |
| Mosheim | $1,457 |
| Moss | $1,457 |
| Mount Carmel | $1,385 |
| Mount Juliet | $1,469 |
| Mount Pleasant | $1,505 |
| Mountain City | $1,373 |
| Mountain Home | $1,313 |
| Mowbray Mountain | $1,493 |
| Mulberry | $1,481 |
| Munford | $1,697 |
| Murfreesboro | $1,493 |
| Nashville | $1,637 |
| New Hope | $1,505 |
| New Johnsonville | $1,505 |
| New Market | $1,481 |
| New Tazewell | $1,601 |
| Newbern | $1,565 |
| Newcomb | $1,637 |
| Newport | $1,577 |
| Niota | $1,445 |
| Nolensville | $1,493 |
| Norene | $1,493 |
| Normandy | $1,481 |
| Norris | $1,589 |
| Nunnelly | $1,493 |
| Oak Grove | $1,337 |
| Oak Hill | $1,625 |
| Oak Ridge | $1,565 |
| Oakdale | $1,565 |
| Oakfield | $1,613 |
| Oakland | $1,649 |
| Obion | $1,517 |
| Ocoee | $1,469 |
| Old Fort | $1,457 |
| Old Hickory | $1,613 |
| Olivehill | $1,553 |
| Oliver Springs | $1,613 |
| Oneida | $1,613 |
| Only | $1,529 |
| Ooltewah | $1,493 |
| Orlinda | $1,529 |
| Pall Mall | $1,565 |
| Palmer | $1,517 |
| Palmersville | $1,505 |
| Palmyra | $1,553 |
| Paris | $1,541 |
| Park City | $1,505 |
| Parrottsville | $1,601 |
| Parsons | $1,601 |
| Pegram | $1,577 |
| Pelham | $1,529 |
| Petersburg | $1,481 |
| Petros | $1,577 |
| Philadelphia | $1,481 |
| Pickwick Dam | $1,553 |
| Pigeon Forge | $1,553 |
| Pikeville | $1,505 |
| Pine Crest | $1,325 |
| Piney Flats | $1,313 |
| Pinson | $1,601 |
| Pioneer | $1,625 |
| Piperton | $1,685 |
| Plainview | $1,577 |
| Pleasant Hill | $1,469 |
| Pleasant Shade | $1,481 |
| Pleasant View | $1,577 |
| Pocahontas | $1,649 |
| Portland | $1,469 |
| Powder Springs | $1,565 |
| Powell | $1,541 |
| Powells Crossroads | $1,517 |
| Primm Springs | $1,517 |
| Prospect | $1,505 |
| Pruden | $1,613 |
| Pulaski | $1,493 |
| Puryear | $1,553 |
| Quebeck | $1,469 |
| Ramer | $1,589 |
| Readyville | $1,505 |
| Reagan | $1,565 |
| Red Bank | $1,493 |
| Red Boiling Springs | $1,469 |
| Reliance | $1,457 |
| Riceville | $1,433 |
| Rickman | $1,529 |
| Riddleton | $1,481 |
| Ridgely | $1,565 |
| Ridgeside | $1,553 |
| Ridgetop | $1,541 |
| Ripley | $1,637 |
| Rives | $1,541 |
| Roan Mountain | $1,349 |
| Robbins | $1,577 |
| Rock Island | $1,505 |
| Rockford | $1,493 |
| Rockvale | $1,517 |
| Rockwood | $1,553 |
| Rocky Top | $1,577 |
| Rogersville | $1,409 |
| Rossville | $1,673 |
| Rugby | $1,517 |
| Rural Hill | $1,457 |
| Russellville | $1,457 |
| Rutherford | $1,529 |
| Rutledge | $1,565 |
| Saint Joseph | $1,493 |
| Sale Creek | $1,481 |
| Saltillo | $1,577 |
| Samburg | $1,553 |
| Santa Fe | $1,529 |
| Sardis | $1,577 |
| Saulsbury | $1,697 |
| Savannah | $1,541 |
| Scotts Hill | $1,565 |
| Selmer | $1,553 |
| Sequatchie | $1,505 |
| Sevierville | $1,565 |
| Sewanee | $1,469 |
| Seymour | $1,529 |
| Shady Valley | $1,373 |
| Sharon | $1,493 |
| Sharps Chapel | $1,577 |
| Shawanee | $1,589 |
| Shelbyville | $1,469 |
| Sherwood | $1,469 |
| Shiloh | $1,553 |
| Signal Mountain | $1,505 |
| Silerton | $1,661 |
| Silver Point | $1,469 |
| Slayden | $1,541 |
| Smartt | $1,457 |
| Smithville | $1,529 |
| Smyrna | $1,505 |
| Sneedville | $1,505 |
| Soddy-Daisy | $1,493 |
| Somerville | $1,649 |
| South Cleveland | $1,469 |
| South Fulton | $1,541 |
| South Pittsburg | $1,493 |
| Southside | $1,565 |
| Sparta | $1,481 |
| Speedwell | $1,613 |
| Spencer | $1,529 |
| Spring City | $1,481 |
| Spring Creek | $1,613 |
| Spring Hill | $1,505 |
| Springfield | $1,529 |
| Springville | $1,553 |
| Spurgeon | $1,325 |
| Stanton | $1,637 |
| Stantonville | $1,541 |
| Stewart | $1,565 |
| Strawberry Plains | $1,529 |
| Sugar Tree | $1,589 |
| Summertown | $1,481 |
| Summitville | $1,493 |
| Sunbright | $1,553 |
| Surgoinsville | $1,397 |
| Sweetwater | $1,469 |
| Taft | $1,505 |
| Talbott | $1,469 |
| Tallassee | $1,469 |
| Tazewell | $1,553 |
| Telford | $1,325 |
| Tellico Plains | $1,493 |
| Tellico Village | $1,469 |
| Ten Mile | $1,529 |
| Tennessee Ridge | $1,553 |
| Thompson's Station | $1,493 |
| Thompsons Station | $1,493 |
| Thorn Hill | $1,505 |
| Tigrett | $1,553 |
| Tipton | $1,721 |
| Tiptonville | $1,553 |
| Toone | $1,673 |
| Townsend | $1,469 |
| Tracy City | $1,541 |
| Trade | $1,373 |
| Trenton | $1,529 |
| Trezevant | $1,553 |
| Trimble | $1,541 |
| Troy | $1,553 |
| Tullahoma | $1,481 |
| Turtletown | $1,457 |
| Tusculum | $1,433 |
| Unicoi | $1,337 |
| Union City | $1,529 |
| Unionville | $1,481 |
| Vanleer | $1,541 |
| Viola | $1,493 |
| Vonore | $1,481 |
| Walden | $1,505 |
| Walland | $1,505 |
| Walling | $1,493 |
| Walnut Hill | $1,313 |
| Wartburg | $1,565 |
| Wartrace | $1,481 |
| Washburn | $1,565 |
| Watauga | $1,325 |
| Watertown | $1,469 |
| Waverly | $1,505 |
| Waynesboro | $1,517 |
| Westmoreland | $1,469 |
| Westpoint | $1,505 |
| Westport | $1,577 |
| White Bluff | $1,541 |
| White House | $1,517 |
| White Pine | $1,481 |
| Whites Creek | $1,697 |
| Whitesburg | $1,457 |
| Whiteside | $1,505 |
| Whiteville | $1,661 |
| Whitleyville | $1,505 |
| Whitwell | $1,517 |
| Wilder | $1,529 |
| Wildersville | $1,601 |
| Wildwood | $1,481 |
| Wildwood Lake | $1,469 |
| Williamsport | $1,505 |
| Williston | $1,673 |
| Winchester | $1,469 |
| Winfield | $1,613 |
| Woodbury | $1,493 |
| Woodland Mills | $1,529 |
| Woodlawn | $1,505 |
| Wynnburg | $1,577 |
| Yorkville | $1,541 |
| Yuma | $1,577 |
Cheap auto insurance in Tennessee with bad credit
| Company | Annual Premium |
|---|---|
| Tennessee Farm Bureau | $1,000 |
| Grange Insurance | $1,071 |
| Nationwide | $1,139 |
| Farmers | $1,279 |
| Cincinnati Insurance | $1,443 |
| Westfield | $1,598 |
| American National P&C | $1,635 |
| Chubb | $1,696 |
| Erie | $1,723 |
| Travelers | $3,042 |
| Allstate | $3,097 |
| Auto-Owners Insurance Co | $3,227 |
| Progressive | $3,654 |
| State Farm | $3,955 |
| USAA | $2,114 |
Tennessee auto insurance rate by violation
| Accident/Violation | Avg. Annual Premium | % Rate Increase | $ Rate Increase |
|---|---|---|---|
| None | $1,528 | 1% | $10 |
| Not-at-fault accident | $1,542 | 2% | $24 |
| One Med/PIP claim | $1,547 | 2% | $29 |
| One comp claim | $1,576 | 4% | $58 |
| Two Med/PIP claims | $1,584 | 5% | $67 |
| Two comp claims | $1,598 | 6% | $80 |
| Failure to show documents | $1,709 | 13% | $191 |
| Failure to wear a seat belt | $1,729 | 14% | $211 |
| Child safety restraint | $1,740 | 15% | $223 |
| Driving without lights | $1,740 | 15% | $223 |
| Driving with expired registration | $1,822 | 20% | $304 |
| Speeding 6 - 10 MPH over limit | $1,827 | 21% | $309 |
| Cell phone violation | $1,829 | 21% | $311 |
| Speeding in school zone | $1,831 | 21% | $313 |
| Driving too slowly | $1,831 | 21% | $313 |
| Speeding 11 - 15 MPH over limit | $1,839 | 22% | $321 |
| Texting while driving | $1,846 | 22% | $328 |
| Failure to yield | $1,850 | 22% | $332 |
| Following too closely | $1,850 | 22% | $332 |
| Illegal turn | $1,851 | 22% | $333 |
| Wrong way/wrong lane | $1,859 | 23% | $341 |
| Improper passing | $1,854 | 23% | $346 |
| Failure to stop at a red light | $1,869 | 24% | $352 |
| Speeding 16 - 20 MPH over limit | $1,883 | 24% | $365 |
| At-fault accident - less than $1000 | $1,934 | 28% | $416 |
| Passing school bus | $1,961 | 30% | $443 |
| Speeding 21 - 25 MPH over limit | $1,996 | 32% | $478 |
| In 65 MPH zone | $2,119 | 40% | $601 |
| Operating a vehicle without permission | $2,128 | 41% | $610 |
| Open container | $2,160 | 43% | $643 |
| At-fault accident - $1000-$2000 | $2,269 | 50% | $752 |
| At-fault accident - greater than $2000 | $2,269 | 50% | $752 |
| Reckless driving | $2,781 | 84% | $1,264 |
| Racing | $2,835 | 87% | $1,317 |
| Driving with a suspended license | $2,926 | 93% | $1,409 |
| Refusal to submit to a chemical test | $3,040 | 101% | $1,522 |
| Leaving scene of an accident/hit and run | $3,043 | 101% | $1,525 |
| DUI | $3,092 | 104% | $1,575 |
Car insurance price trends in Tennessee
| Year | Avg. Annual Premium — Tennessee | Yearly Change — Tennessee | Avg. Annual Premium — USA | Yearly Change — USA |
|---|---|---|---|---|
| 2021 | $1,272 | $14 | $1,539 | $56 |
| 2020 | $1,268 | -$66 | $1,493 | -$51 |
| 2019 | $1,344 | -$162 | $1,554 | $33 |
| 2018 | $1,516 | $200 | $1,531 | $94 |
| 2017 | $1,326 | $154 | $1,447 | $79 |
| 2016 | $1,182 | $86 | $1,378 | $98 |
| 2015 | $1,206 | $147 | $1,290 | $61 |
| 2014 | $969 | $65 | $1,239 | $44 |
| 2013 | $914 | $19 | $1,205 | -$70 |
| 2012 | $905 | -$52 | $1,286 | $92 |
In the event of a covered incident, insurance can help pay for repairs or replacement of your car as well as medical expenses and lost wages due to personal injury. These possibilities may necessitate additional coverage to get the best car insurance.
The grading criteria are subject to shifts over time, and you may want to look at your car insurance policy from time to time to see if it still meets your needs.
Natural disasters like tornadoes and other severe weather events like hailstorms and flooding are expected in Tennessee, making it a good idea to purchase comprehensive insurance. If you are involved in an accident with an uninsured or underinsured driver, you may want to think about purchasing uninsured and underinsured motorist coverage to protect your financial interests.
Because of the large amount of uninsured drivers in Tennessee, car insurance is expensive. Around 20% of drivers in the state are uninsured. Tennessee car insurance is less expensive than the national average, which is roughly $1,200 for full coverage and around $500 for basic coverage per year.
Drivers in Tennessee must pay for the accidents they cause under the state's financial responsibility law. Liability insurance protects others who are injured or suffer losses if you cause an accident. Liability insurance does not cover your injuries or property damage. It simply compensates the other driver.
There are a variety of auto insurance discounts available in Tennessee, but they will vary from agency to agency. If you're changing insurance providers, see if they have a transition discount. Certain times, you could save money by moving to a better option. Our short read on car insurance discounts will help you to learn more.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
In Tennessee, State Farm consistently has the lowest prices. On average, a State Farm minimum coverage program costs $369 a year, or $33 per month.
Tennessee's average annual car insurance premium is $1317, which is 7.9% lower than the national average.
At the very least, Tennessee law allows drivers to have liability insurance. Although the state of Tennessee only requires liability insurance, if your vehicle is being financed, a bank or lien holder can require you to carry additional coverage (usually comprehensive and collision).
Your liability auto insurance must have a minimum cap of $25000 per disability or death per accident. Per accident, $50000 in additional injuries or deaths. Each accident is worth $15000 in property damage.
If you drive without the state's minimum amount of auto insurance in Tennessee, you'll face fines and other penalties. If you're caught driving without insurance in Tennessee, you could face fines ranging from a $25 fine to a year in prison.
If you drive without the state's minimum amount of auto insurance in Tennessee, you'll face fines and other penalties. If you're caught driving without insurance in Tennessee, you could face fines ranging from a $25 fine to a year in prison.
Uninsured Tennessee drivers now face a minimum fine of $300.
It currently costs three times as much to be found driving without evidence of auto insurance in Tennessee as it did at the start of the week. The minimum penalty for not having evidence of auto insurance has increased from $100 to $300 under a new state law that went into effect on Wednesday.
In Tennessee, auto insurance typically accompanies the vehicle. Bodily accident liability, personal injury liability, crash, and comprehensive are the four forms of auto insurance that follow the car in Tennessee.
Tennessee is a "fault" state, which means that if you are hurt in a car accident, and another driver is at fault, you will be able to sue them and their insurance provider for damages in a personal injury suit.
In Tennessee, we do not have personal injury protection insurance. Personal injury protection, or PIP coverage, is available in states that offer no-fault insurance for car accidents, such as Kentucky. Medical payment coverage is included in many Tennessee car insurance plans.
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