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Why Compare Car Insurance Rates in Tennessee:

  • On average, people who compare rates save about $970 a year on car insurance
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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.

Minimum Required Auto Insurance Coverage 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.

Cheapest Car Insurance in Tennessee for Minimum Required Coverage

State Farm provides affordable full-coverage insurance for drivers in Tennessee. State Farm's annual rate of $925, or $80 per month, is 41% less expensive than the national average and around $420 less expensive than the second-cheapest insurance company, The General, 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.

Tennessee Car Insurance Laws

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.

Tennessee Auto Insurance Requirements

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:

  • Each accident-related injury or death costs $25,000 per person.
  • Injuries or deaths that result in $50,000 per accident.
  • Each accident is covered by a $15,000 property damage insurance policy.

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 car insurance PIP requirements

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).

Proof of Auto Insurance in Tennessee

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.

See what you could save on auto insurance

Average Cost of Auto Insurance Companies in Tennessee

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 AVERAGE ANNUAL RATE
USAA $717
The General $891
State Farm $1,039
Progressive $1,059
MetLife $1,073
Travelers $1,125
Statewide Average $1,171
Tennesse Farmers $1,184
Nationwide $1,242
Farmers Insurance $1,353
Erie Insurance $1,454
Allstate $1,649
  • Drivers in Tennessee who have served in the military or who are members of a military family can save even more money on auto insurance by going through USAA. USAA's annual premium for a full-coverage policy is $880, which is 43% less expensive than the state average.
  • In addition to liability coverage, a full-coverage policy includes comprehensive and collision coverages.
  • Theft and weather damage to your car are covered by comprehensive insurance, while collision insurance covers damage that occurs while you are driving the vehicle.
  • Most lenders require full coverage if you're taking out a car loan or leasing one.

Cheapest Car Insurance Quotes for Tennessee Drivers

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.

Cheap car insurance in Tennessee for young Tennessee drivers

In Tennessee, The General is the most affordable car insurance company for young drivers. For $2,205 per year, USAA's minimum-coverage policy is 44 percent less expensive than the state's average.

COMPANY 18-YEAR-OLD FEMALE 18-YEAR-OLD MALE
Allstate $6,925 $7,547
Erie Insurance $3,063 $4,053
Farmers Insurance $6,217 $6,757
The General $2,205 $2,483
Nationwide $4,108 $5,376
Progressive $7,354 $8,187
State Farm $2,820 $3,541
Tennesse Farmers $2,904 $4,530
Travelers $3,307 $4,062
USAA $2,549 $2,724
Statewide Average $4,145 $4,926

Cheap car insurance for Tennessee drivers with a speeding ticket

For a full year of coverage, USAA charges the least in Tennessee for drivers with a recent speeding ticket, at $863.

COMPANY AVERAGE ANNUAL RATE
USAA $863
The General $1,028
State Farm $1,141
Tennesse Farmers $1,194
Statewide Average $1,383
Progressive $1,407
Nationwide $1,474
Travelers $1,509
Erie Insurance $1,590
MetLife $1,662
Farmers Insurance $1,767
Allstate $1,860

Cheap auto insurance for Tennessee drivers after a car accident

USAA offers low-cost car insurance for Tennessee residents who have been involved in an accident for which they were at fault.

COMPANY AVERAGE ANNUAL RATE
USAA $1,029
Tennesse Farmers $1,194
State Farm $1,233
The General $1,347
Travelers $1,567
Statewide Average $1,621
Progressive $1,751
MetLife $1,862
Nationwide $1,952
Erie Insurance $1,967
Farmers Insurance $1,977
Allstate $2,195

Cheap car insurance quotes for Tennessee drivers with a DUI

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 AVERAGE ANNUAL RATE
State Farm $1,131
Progressive $1,148
USAA $1,350
The General $1,512
Travelers $1,698
Statewide Average $1,760
Tennesse Farmers $1,886
Farmers Insurance $1,887
Allstate $2,263
Erie Insurance $2,333
Nationwide $2,391
MetLife $2,907

Cheap car insurance for married Tennessee drivers

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
The General $1,250
Progressive $1,315
Erie $1,425
Farmers $1,490
Allstate $2,055
Nationwide $2,165
USAA $761

Cheap full coverage car insurance quotes for young drivers with an accident history

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 rate
State Farm $1,335
Farmers $1,465
Erie $1,555
The General $1,790
Allstate $2,310
Progressive $3,490
Nationwide $3,795
USAA $1,180

Compare Car Insurance Rates In Top Cities

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.

CityAnnual 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 Avg. Annual Premium
Farmers $1,996
THE GENERAL $2,041
USAA $2,114
Auto-Owners Insurance Co $2,560
Progressive $2,772
Allstate $3,159
State Farm $6,065

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

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How to Find The Best Car Insurance in Tennessee

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.

Reasons Why Auto Insurance Costs More in Tennessee

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.

Things to Know About Car Insurance When Moving to Tennessee

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.

How to Get Discounts on Car Insurance in Tennessee

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.

Auto Insurance Data Methodology

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

Frequently Asked Questions

Who has the cheapest car insurance in TN?

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.

What is the average cost of car insurance in Tennessee?

Tennessee's average annual car insurance premium is $1317, which is 7.9% lower than the national average.

Does Tennessee require car insurance?

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).

What type of auto insurance is required in Tennessee?

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.

What happens if you drive without insurance in Tennessee?

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.

Is it illegal to drive without insurance in TN?

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.

How much is a ticket for not having insurance in Tennessee?

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.

Does insurance follow the car or the driver in Tennessee?

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.

Is TN a no-fault state?

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.

Is TN a PIP state?

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.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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