Candace Baker, Car Insurance Writer
@candacebaker
Car insurance in Tennessee costs $39 per month or $467 per year for minimum coverage, on average. The cheapest car insurance companies in Tennessee are Auto-Owners , USAA, and State Farm, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Tennessee is 30% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Tennessee, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.
Average Cost of Car Insurance in Tennessee by Category
- After an at-fault accident: $180 per month
- Driver with poor credit: $66 per month
- Teen driver: $205 per month
- After a DUI: $89 per month
Average Cost of Car Insurance in Tennessee by Company
Company | Minimum Coverage | Full Coverage |
$707 per year | $2,257 per year | |
$368 per year | $1,447 per year | |
$568 per year | $1,685 per year | |
$343 per year | $1364 per year | |
$437 per year | $1,695 per year | |
$456 per year | $1336 per year | |
$446 per year | $2,179 per year | |
$305 per year | $1039 per year | |
$433 per year | $1,524 per year | |
$263 per year | $968 per year |
Note: Rates are an approximation based on a 45-year-old man in Tennessee with a clean driving record. Actual rates will vary.
Average Cost of Car Insurance in Tennessee by Age
Age | Average Premium |
$2,455 per year | |
$2,079 per year | |
$1,814 per year | |
$1,377 per year | |
$1,220 per year | |
$936 per year | |
$831 per year | |
$758 per year | |
$699 per year | |
$597 per year | |
$494 per year | |
$467 per year | |
$438 per year | |
$479 per year |
Note: Rates are an approximation based on a driver in Tennessee with minimum coverage and a clean driving record. Actual rates will vary.
How to Lower the Cost of Car Insurance in Tennessee
- Shop around and compare quotes. We recommend comparing quotes from at least three different insurance companies to make sure you are getting the best rate.
- Choose a higher deductible. Your deductible is the amount you have to pay out of pocket before your insurance kicks in. Choosing a higher deductible can lower your premiums but means you will have to pay more out-of-pocket when you file a claim.
- Consider lowering your coverage. Consider purchasing only the minimum amount of coverage required by your state, rather than purchasing higher limits or a full coverage policy.
- Look for discounts you may be eligible for. For instance, most insurance companies offer a good-driver discount for customers with a clean driving record, a good-student discount, or a discount for paying your premiums in full up front.
To learn more, check out our guide to how much car insurance you need in Tennessee as well as our picks for the cheapest car insurance companies in Tennessee.
People also ask
How much car insurance do I need in Tennessee?
Tennessee law requires you to have $25,000 in coverage for one person’s bodily injury or death, up to $50,000 total per accident. Tennessee also requires you to carry at least $25,000 in coverage for other people’s property damage when you are at fault.
How Much Car Insurance Drivers Need in Tennessee
| Coverage Type | Minimum Coverage Limit |
| Bodily Injury Liability Coverage (per person) | $25,000 |
Why is Tennessee car insurance so expensive?
Car insurance in Tennessee is expensive because of its high percentage of uninsured drivers--around 20% of drivers don't have insurance in the state. In Tennessee, you can expect to pay approximately $3,626 per year for full coverage car insurance or $1,046 per year for minimum coverage. Car insurance in Tennessee is less expensive than the national average, which is around $4,211 per year for full coverage and about $1,407 per year for minimum coverage.
The cost of car insurance is steadily increasing, too, both...
read full answer by Anamarie Waite, Car Insurance WriterWhat is the penalty for driving without insurance in Tennessee?
If you are caught driving without insurance in Tennessee, you may face fines and the suspension of your driver's license and registration after the first offense. Penalties for repeat offenses may be even harsher. You can avoid these consequences by meeting Tennessee’s minimum car insurance requirements.
Penalties for Driving Without Insurance in Tennessee
| Type of Offense | License Suspended? | Registration Suspended? | ... |
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