$23/mo
$27/mo
$28/mo
The car 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. 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.
The car owners in Tennessee pays on an average of $878 for six months for car insurance, which is less than the national average. Westfield offers cheap and the best rates in Tennessee.
Westfield offers the cheapest liability coverage in Tennessee at $23/month; thus making it an attractive option for drivers looking to save money.
Read about the cheapest liability coverage companies in Tennessee ↓
Auto-Owners Insurance Co provides cheap full insurance coverage in Tennessee at $73/month, offering excellent value.
Read about the cheapest full coverage companies in Tennessee ↓
Tennessee Farm Bureau is the cheapest option after an at-fault accident in Tennessee at $28 per month.
Read more about best car insurance companies after at-fault accident in Tennessee ↓
Auto-Owners Insurance Co was named the best overall by J.D. Power and AM Best, making it a top pick among Tennessee’s best car insurers.
Check out the full list of the best car insurance companies in Tennessee ↓For drivers looking to meet Tennessee minimum car insurance requirements, liability-only insurance is the most budget-friendly choice. Cheap liability car insurance in Tennessee is widely available from providers like Westfield at $23/month. If you opt for Allstate you will have to pay at least $81/month for your car insurance premium, which is the highest in Tennessee.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $137 | $23 |
| Auto-Owners Insurance Co | $160 | $27 |
| Tennessee Farm Bureau | $166 | $28 |
| Farm Bureau of Tennessee | $172 | $29 |
| Tennessee Farmers | $196 | $33 |
| USAA | $196 | $33 |
| Cincinnati | $202 | $34 |
Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others. As per our analysis Auto-Owners Insurance Co offers the cheapest car insurance for full coverage in Tennessee at $73 per month. On the other hand Allstate offers the most expensive rate at $241 per month.
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Auto-Owners Insurance Co stands out as the best car insurance provider in Tennessee, thanks to its affordable premiums, extensive discounts, and strong customer satisfaction ratings from sources like J.D. Power and AM Best. With a robust range of coverage options, Travelers is a top pick for drivers seeking value and reliability.
Auto-Owners Insurance Co offers a six-month premium of $297, which amounts to approximately $50 per month. This provides a competitive and affordable option for those looking for budget-friendly car insurance.
The average premium of Travelers is $303, which is higher than Auto-Owners Insurance Co's by $6. Their higher monthly premium is, due to their strict policies on traffic violations.
Tennessee Farm Bureau's premium is $327, which is significantly more expensive than Travelers's by $24. Their monthly premium is higher due to their strict policies on DUI infractions.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners Insurance Co | $297 | $50 |
| Travelers | $303 | $52 |
| Tennessee Farm Bureau | $327 | $54 |
| Farmers | $350 | $60 |
| Grange | $368 | $61 |
| Cincinnati | $374 | $64 |
| Erie | $570 | $96 |
Teens and young drivers in Tennessee often face high
car insurance rates, especially those aged 16 to 19. This is because inexperienced
drivers pose a higher risk. The average cost for teens in Tennessee is
$1348 for 6 months, which is less than the national average.
Westfield is the best options for cheap
car insurance for young drivers in Tennessee.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Westfield | $160 | $27 |
| Tennessee Farm Bureau | $226 | $38 |
| Auto-Owners Insurance Co | $238 | $40 |
| Grange | $255 | $43 |
| Cincinnati | $261 | $44 |
| Erie | $879 | $148 |
| USAA | $879 | $148 |
Car insurance rates in Tennessee have fluctuated due to factors such as state regulations, inflation, and changing driving habits.
The average full coverage insurance cost in the Tennessee remained steady at $174 in both Feb and Jan, indicating no change over the two-month period.
The average liability insurance cost in the Tennessee remained steady at $174 in both Feb and Jan, indicating no change over the two-month period.
Your driving history significantly impacts your car insurance premiums. Insurance companies assess past at-fault accidents to gauge risk and adjust rates accordingly. Through our research we found that Tennessee Farm Bureau gives you the cheapest car insurance rate after an at-fault accident in Tennessee at $28/month. On the other hand Allstate is the most expensive option at $480/month for an at-fault accident.
If you are living in Tennessee you should opt for Auto-Owners Insurance Co. Auto-Owners Insurance Co ranks as number 1 across various factors like customer satisfaction, claims and rates.
In Tennessee, your Auto insurance premiums can rise
significantly due to traffic violations. The extent of the increase depends on factors
such as the violation type, local regulations, and the insurer's policies. Minor
offenses like speeding might cause a small increase, while more serious violations, such
as DUIs, can lead to much higher rates. Additionally, the effect on premiums in
Tennessee may differ from the national average due to regional risks and rules.
Here’s a breakdown of average car insurance rates in Tennessee after
common driving violations.
| Accident/Violation | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| None | $992 | $165 |
| Not-at-fault accident | $998 | $170 |
| One Med/PIP claim | $1004 | $167 |
| One comp claim | $1016 | $173 |
| Two comp claims | $1028 | $171 |
| Two Med/PIP claims | $1028 | $175 |
| Failure to wear a seat belt | $1140 | $190 |
Driving under the influence is a serious offense. A DUI history classifies you as a high-risk driver, increasing your annual insurance premium. Premiums after a DUI can vary significantly between insurance providers. According to our findings, one of the cheapest car insurances in Tennessee is Tennessee Farm Bureau at $44 per month. Auto-Owners at $356 per month is the most expensive provider.
An SR-22 is a certificate of financial responsibility required by the state for high-risk drivers. It verifies that the driver carries the minimum liability insurance coverage mandated by law. The SR-22 is typically needed after violations like DUI or a serious traffic offense.
Contact your current insurance provider and ask them to file an SR-22. Not all companies offer this service, so you might need to switch providers.
You'll need to purchase a new insurance policy. Some insurers specialize in helping high-risk drivers and can file the SR-22 for you.
A non-owner car insurance policy is your best option. It covers liability and fulfills the SR-22 requirement at a lower cost since it doesn't insure a specific vehicle.
Your location impacts your car insurance rate. Busy cities mean higher costs due to traffic, while quieter towns often have lower premiums.
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Knoxville | $796 | $134 |
| Chattanooga | $814 | $137 |
| Murfreesboro | $814 | $137 |
| Clarksville | $826 | $139 |
| Nashville | $867 | $146 |
| Central | $903 | $154 |
| Johnson City | $903 | $150 |
| Pine Crest | $903 | $154 |
| Bristol | $909 | $151 |
| Walnut Hill | $909 | $155 |
| Colonial Heights | $915 | $152 |
| Elizabethton | $915 | $156 |
