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Key Takeaways

USAA, Tennessee Farm Bureau, Travelers, Auto-Owners and Erie Insurance are the cheapest car insurance companies in Tennessee.
Tennessee drivers pay about $2,237 per year for full-coverage insurance, which is about 17% cheaper than the national average of $2,681.
Minimum coverage in Tennessee costs $707 per year, which is about 19% cheaper than the national average of $869.

We at the MarketWatch Guides team took an in-depth look at the country’s best car insurance companies and what they offer Tennessee drivers in terms of rates, coverage, reputation and customer service. You’ll find premium estimates for drivers in different Tennessee cities, of different ages, and with different driving histories.

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Who Offers the Best Car Insurance Rates in Tennessee?

We found USAA offers the best car insurance rates in the state. It offers full-coverage rates of $1,474 per year or $123 per month and minimum-coverage rates of $356 per year or $30 per month. These rates apply to 35-year-old male and female drivers with good credit scores and clean driving records. Keep in mind that USAA only offers coverage to military members, veterans and their families.

Cheapest Car Insurance Rates in Tennessee

What you pay for coverage depends on your driving record and age, among other factors. Below are the cheapest companies in Tennessee for a few different types of drivers. You can see that Tennessee Farm Bureau is the cheapest option in many situations.

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*These monthly car insurance rates are for full-coverage policies.

Cheapest Car Insurance Companies in Tennessee

Having compared costs for the most popular providers in Tennessee, we found the cheapest companies are:

USAA

Tennessee Farm Bureau

Travelers

Auto-Owners

Erie Insurance

Cheapest Large Insurance Companies in Tennessee

Large insurance companies typically offer quick online quotes, multiple discounts and strong mobile apps. According to J.D. Power, a large insurer is one that has written $4.5 billion or more in direct premiums for personal auto lines. Below are the cheapest large providers in Tennessee.

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Tennessee.

Read more: Largest Auto Insurance Providers

Cheapest Midsize Insurance Companies in Tennessee

A midsize insurer is one that has written between $1 billion and $4.4999 billion in direct premiums for personal auto lines, according to J.D. Power. Below are the cheapest mid-size companies in the state.

*Our research team considers nationwide factors when scoring providers. The ranking of providers in this table is specific to car insurance in Tennessee.

Cheapest Car Insurance Coverage in Tennessee

Coverage level will impact how much you pay for auto insurance. Many quotes from providers include estimates for minimum liability and full-coverage car insurance. While minimum liability is all that is required, it’s a good idea for drivers to consider full-coverage auto insurance.

Below are the cheapest auto insurance options in Tennessee for both coverage types.

Cheapest Liability Car Insurance in Tennessee

When it comes to minimum coverage car insurance, the average estimate for Tennessee drivers is around $707 per year, or $59 per month. That is more than 19% cheaper than the national average for a minimum coverage policy.

The table below shows the providers with the cheapest minimum coverage estimates in Tennessee:

CompanyAverage Monthly RateAverage Annual RateUSAA$30$356Tennessee Farm Bureau$32$389Travelers$33$399Auto-Owners Insurance$34$406Erie Insurance$37$450*These rates are based on unmarried 35-year-old male and female drivers with good credit and a clean driving history driving a 2023 Toyota Camry.

Read more: Cheapest Liability-Only Auto Insurance

Cheapest Full-Coverage Car Insurance in Tennessee

Full-coverage car insurance rates in the Volunteer State are 17% lower than the national average. We found full-coverage estimates for as little as $1,474 per year, or $123 per month from USAA. The table below shows the providers with the cheapest insurance in Tennessee for full coverage.

CompanyAverage Monthly RateAverage Annual RateUSAA$123$1,474Tennessee Farm Bureau$126$1,511Travelers$129$1,547Auto-Owners Insurance$148$1,777Erie Insurance$157$1,888

Read more: Cheapest Full-Coverage Car Insurance

Cheapest Car Insurance for Young Drivers in Tennessee

Age has a big impact on how much you’ll pay for car insurance. Below are tables on how much a young driver might pay for full-coverage car insurance in Tennessee.

Cheapest Tennessee Car Insurance for 16-Year-Olds

Tennessee Farm Bureau is the cheapest option for 16-year-olds with a monthly average of $327.

CompanyAverage Monthly RateAverage Annual RateTennessee Farm Bureau$327$3,921Travelers$428$5,141Auto-Owners Insurance$439$5,270Geico$459$5,512Erie Insurance$463$5,558

Read more: Best Cheap Car Insurance for 16-Year-Olds

Cheapest Tennessee Car Insurance for 17-Year-Olds

Tennessee Farm Bureau is the cheapest option for 17-year-olds with an average monthly rate of $327.

CompanyAverage Monthly RateAverage Annual RateTennessee Farm Bureau$327$3,921Travelers$390$4,675USAA$426$5,117Erie Insurance$432$5,189Geico$436$5,237

Read more: Best Cheap Car Insurance for 17-Year-Olds

Cheapest Tennessee Car Insurance for 18-Year-Olds

Tennessee Farm Bureau’s monthly average rate of $290 is cheapest for 18-year-olds in Tennessee.

CompanyAverage Monthly RateAverage Annual RateTennessee Farm Bureau$290$3,485Travelers$332$3,988Erie Insurance$371$4,457USAA$388$4,651Geico$390$4,682

Read more: Best Cheap Car Insurance for 18-Year-Olds

Cheapest Tennessee Car Insurance for 19-Year-Olds

For 19-year-olds, Travelers is the cheapest option with an average monthly rate of $271.

CompanyAverage Monthly RateAverage Annual RateTravelers$271$3,254Tennessee Farm Bureau$284$3,412USAA$305$3,655Geico$328$3,936Erie Insurance$335$4,019

Read more: Best Cheap Car Insurance for 19-Year-Olds

Cheapest Tennessee Car Insurance for 21-Year-Olds

USAA is the cheapest option for 21-year-olds with an average monthly rate of $197.

CompanyAverage Monthly RateAverage Annual RateUSAA$197$2,360Travelers$207$2,480Geico$248$2,970Tennessee Farm Bureau$258$3,097Auto-Owners Insurance$295$3,536

Read more: Best Cheap Car Insurance for 21-Year-Olds

Cheapest Tennessee Car Insurance for 25-Year-Olds

With an average monthly rate of $144, Travelers is the cheapest insurance company for 25-year-olds.

CompanyAverage Monthly RateAverage Annual RateTravelers$144$1,731USAA$157$1,886Tennessee Farm Bureau$172$2,065Geico$187$2,246Erie Insurance$213$2,562

Read more: Best Cheap Car Insurance for 25-Year-Olds

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Cheapest Car Insurance in Tennessee for Seniors

Car insurance rates rise slightly for seniors because the rate of claims tends to increase. Some companies offer cheaper full coverage for seniors in Tennessee, and we’ll discuss them below.

Read more: Cheapest Car Insurance for Seniors

Cheapest Car Insurance in Tennessee for 65-Year-Olds

With an average monthly rate of $108, Tennessee Farm Bureau is the cheapest option for 65-year-olds.

CompanyAverage Monthly RateAverage Annual RateTennessee Farm Bureau$108$1,299USAA$114$1,365Travelers$116$1,387Auto-Owners Insurance$146$1,752Erie Insurance$147$1,766

Cheapest Car Insurance in Tennessee for 75-Year-Olds

Tennessee Farm Bureau is also the cheapest option for 75-year-olds and it offers an average monthly premium of $122.

CompanyAverage Monthly RateAverage Annual RateTennessee Farm Bureau$122$1,462USAA$135$1,618Travelers$136$1,629Auto-Owners Insurance$180$2,165Erie Insurance$185$2,224

Cheapest Car Insurance in Tennessee for High-Risk Drivers

People who have a speeding ticket, accident or DUI on their record can expect to pay more for car insurance than other drivers. Below are some estimated full-coverage car insurance costs for people who fall under those categories.

Read more: Best Cheap Car Insurance for High-Risk Drivers

Cheapest Tennessee Car Insurance for Drivers With a Speeding Ticket

Safe driving goes a long way when you’re trying to keep the cost of car insurance low. Tennessee Farm Bureau is the cheapest option for drivers with a ticket as it offers an average monthly rate of $126.

CompanyAverage Monthly RateAverage Annual RateTennessee Farm Bureau$126$1,511USAA$147$1,765Erie Insurance$170$2,039Travelers$172$2,064Geico$198$2,371

Read more: Best Speeding Ticket Car Insurance

Cheapest Tennessee Car Insurance for Drivers With a Recent Accident

You can expect your car insurance costs to increase if you’ve been in a recent accident. Tennessee Farm Bureau is also the cheapest company in Tennessee for drivers with an accident — it offers an average monthly rate of $126.

CompanyAverage Monthly RateAverage Annual RateTennessee Farm Bureau$126$1,511Travelers$179$2,143USAA$183$2,197Erie Insurance$210$2,514Auto-Owners Insurance$260$3,124

Read more: What Is Accident Forgiveness Coverage?

Cheapest Tennessee Car Insurance for Drivers With a DUI

Having a DUI conviction on your driving record can cause your car insurance rates to skyrocket. Travelers offers the best rates in this case with an average monthly premium of $191 for Tennessee drivers.

CompanyAverage Monthly RateAverage Annual RateTravelers$191$2,291Tennessee Farm Bureau$201$2,409USAA$240$2,880Progressive$248$2,978Erie Insurance$249$2,990

Cheapest Tennessee Car Insurance for Drivers With Poor Credit

Drivers with poor credit scores pay some of the highest car insurance premiums in the state of Tennessee. Drivers can find an affordable rate of $146 per month with the Tennessee Farm Bureau.

CompanyAverage Monthly RateAverage Annual RateTennessee Farm Bureau$146$1,748USAA$221$2,649Travelers$222$2,661Geico$257$3,083Nationwide$267$3,198

Read more: Cheapest Car Insurance for Bad Credit

Cheap Car Insurance Quotes in Tennessee

Your rates will vary from the estimates you’ll see in this article. That’s because car insurance companies in Tennessee and elsewhere base their rates on several variables pertaining to you and your vehicle.

These are the most important factors Tennessee car insurance providers use to calculate your rates:

Age

Marital status

Driving record

Gender listed on your license

Credit score

Location

Read more: Compare Car Insurance

Cheap Car Insurance Quotes in Tennessee by ZIP

Below, you can get personalized cheap auto insurance quotes for your location in Tennessee.

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Companies With the Best Car Insurance Rates in Tennessee

For those who would like to know about the cheapest auto insurance in the Volunteer State, the sections below contain more detailed information. We include scores from the Southeast region of the J.D. Power 2024 U.S. Auto Insurance Study℠, which includes Tennessee.

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#1 USAA

Low Rates for Military

Overview

With some of the lowest average rates for many types of Tennessee drivers, USAA is our top provider in the state. The company also received the highest customer satisfaction score in the J.D. Power Auto Insurance Study. Although coverage is only available for military members, veterans and their families, it can be a great choice for those who qualify.

Keep reading: USAA Insurance Review

Industry Standing

J.D. Power regional rating: 759/1,000
AM Best financial strength rating: A++
BBB rating: A+

#2 Tennessee Farm Bureau

Strong Local Coverage

Overview

Tennessee Farm Bureau offers the cheapest rates for a wide variety of drivers in the state. The local insurer has been providing insurance products since 1948 and has a positive industry reputation, with an A+ rating from both the BBB and AM Best.

Tennessee Farm Bureau offers reliable local service and has agents in all counties of the state. You’ll need to become a member of the Tennessee Farm Bureau to qualify for coverage, but the process is simple and requires only a $30 membership fee.

Industry Standing

J.D. Power regional rating: 688/1,000
AM Best financial strength rating: A+
Better Business Bureau (BBB) rating: A+

#3 Travelers

Best for Most Drivers

Overview

Travelers is another affordable option for coverage in Tennessee. We found it offers the cheapest insurance for drivers with a DUI and it’s also one of the cheapest options for young drivers. Travelers has a variety of coverage options with some add-ons like new car replacement and accident forgiveness.

Keep reading: Travelers Insurance Review

Industry Standing

J.D. Power regional rating: 642/1,000
AM Best financial strength rating: A++
BBB rating: A+

#4 Auto-Owners

Good Discounts for Students

Overview

Auto-Owners can be a smart choice for many Tennessee drivers. It’s among the cheapest companies for young drivers and seniors in the state. The insurer has strong industry ratings from AM Best and the BBB, indicating you can rely on it to pay claims out and resolve issues. Auto-Owners also has good discounts for young drivers including good student, teen driver monitoring and student away at school discounts.

Keep reading: Auto-Owners Insurance Review

Industry Standing

J.D. Power regional rating: 650/1,000
AM Best financial strength rating: A++
BBB rating: A+

#5 Erie Insurance

Best for Basic Insurance Coverage

Overview

Our data shows Erie Insurance is one of the cheapest companies for teens and for drivers with speeding tickets or accidents on their records. Erie offers a good number of coverage upgrades including options like pet insurance, personal item coverage and roadside assistance. Erie only operates in 12 states, but is still the 13th largest auto insurance provider in the country according to the National Association of Insurance Commissioners (NAIC).

Keep reading: Erie Insurance Review

Industry Standing

J.D. Power regional rating: 676/1,000
AM Best financial strength rating: A+
BBB rating: A+

Average Cost of Car Insurance in Tennessee

According to our data, Tennessee drivers pay an average of $2,237 per year, or $186 per month for full-coverage insurance. This is nearly 17% lower than the national average of $2,681 per year.

For minimum coverage, Tennessee drivers pay about $707 per year or $59 per month. Compared to the national average of $869, rates in Tennessee are 19% cheaper.

Overall, drivers in Tennessee can get cheaper rates than drivers in many other states.

Read more: Average Car Insurance Cost

Tennessee Car Insurance Cost by Age

A driver’s age is perhaps the single biggest cost factor in car insurance. Younger drivers and especially teen drivers pay substantially higher premiums than drivers from other age groups because of their lack of driving experience. The table below shows the average full-coverage rate estimates for Tennessee drivers of different ages.

AgeAnnual Full-Coverage CostAnnual Minimum-Coverage Cost16$5,324$3,45017$5,857$2,93418$5,392$2,40819$5,070$1,56221$3,852$1,08925$2,743$77535$2,237$70745$2,264$66455$2,053$60965$2,110$64775$2,530$800

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Tennessee Car Insurance Cost by City

Your location within the state can affect what you pay for insurance. Drivers in cities and populated suburbs will have higher rates than rural drivers on average.

City in TennesseeAnnual Full-Coverage CostAnnual Minimum-Coverage CostAntioch$2,189$688Bartlett$2,294$749Bristol$1,663$517Chattanooga$1,874$605Collierville$2,150$698East Ridge$1,918$617Farragut$1,886$599Hermitage$2,115$680Jackson$2,044$569Knoxville$1,905$597Memphis$2,641$839Millington$2,302$734Murfreesboro$1,943$600Nashville$2,127$673Ooltewah$1,840$586Powell$1,881$600Soddy-Daisy$1,847$567

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Tennessee Car Insurance Rates vs. Other States

Below, you can see how Tennessee compares to other states for average minimum- and full-coverage insurance rates.

StateAnnual Full-Coverage CostAnnual Minimum-Coverage CostAlabama$2,048$572Alaska$2,116$506Arizona$3,127$956Arkansas$2,398$589California$3,040$736Colorado$3,010$750Connecticut$2,699$1,179Delaware$3,364$1,288Florida$3,795$1,605Georgia$2,907$1,256Hawaii$1,581$455Idaho$1,588$463Illinois$3,054$823Indiana$1,949$557Iowa$1,994$456Kansas$2,421$683Kentucky$2,545$1,072Louisiana$4,357$1,497Maine$1,460$456Maryland$2,943$1,261Massachusetts$2,620$759Michigan$4,067$1,299Minnesota$2,463$752Mississippi$2,140$563Missouri$2,613$752Montana$2,368$517Nebraska$2,252$545Nevada$3,870$1,665New Hampshire$1,766$594New Jersey$3,034$1,408New Mexico$2,335$608New York$4,112$2,221North Carolina$2,271$815North Dakota$2,029$490Ohio$1,660$511Oklahoma$3,256$710Oregon$2,408$1,161Pennsylvania$3,909$893Rhode Island$2,921$1,084South Carolina$2,519$959South Dakota$2,590$443Tennessee$2,237$707Texas$3,156$960Utah$2,451$968Vermont$1,539$366Virginia$2,070$726Washington$2,110$661Washington, D.C.$2,636$870West Virginia$2,308$617Wisconsin$2,003$561Wyoming$1,794$303

Read More

Read more: Car Insurance Rates by State

How To Get Cheaper Auto Coverage in Tennessee

There are a few things you can do to get cheaper insurance coverage in Tennessee:

Shop around: Rates vary widely by provider, so compare at least three quotes to find an affordable company.

Drive safely: Avoid tickets and be cautious on the road to keep your rates from rising unnecessarily.

Work on your credit score: Raising your credit score can lower your insurance rates. This is because insurance companies correlate a better score with a lower likelihood of filing a claim.

Try usage-based insurance: If you’re a safe driver and you drive less than the average person, you could save a good chunk of money with a usage-based program like Progressive’s Snapshot®.

Tennessee Car Insurance Requirements

Tennessee law requires drivers to carry liability car insurance in the amounts of 25/50/25. This includes:

Bodily injury liability: $25,000 per person and $50,000 per accident

Property damage liability: $25,000 per accident

While only liability insurance is mandated by state minimum coverage requirements, it’s a good idea to get a full-coverage policy that includes collision coverage, comprehensive coverage and underinsured/uninsured motorist coverage to ensure you’re protected.

Is Tennessee an At-Fault State or a No-Fault State?

Tennessee is an at-fault state. This means the driver who is found to be at fault for an accident will be legally and financially responsible for any damage caused by the accident. The vast majority of states across the country follow at-fault insurance laws, which makes Tennessee car insurance relatively standard.

Cheap Auto Insurance Tennessee: The Bottom Line

Based on our research, we recommend USAA, Tennessee Farm Bureau, Travelers, Auto-Owners and Erie Insurance as the top choices for auto insurance in Tennessee for their low average rates and positive industry reputations.

Shop for Car Insurance in Tennessee

To get a sense for what you might pay for coverage, reach out to providers to compare car insurance quotes and find the best option for your needs.

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Cheapest Car Insurance in Tennessee: FAQ

Below are some common frequently asked questions about cheap car insurance in Tennessee:

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How much is car insurance per month in Tennessee?

Our data shows drivers pay about $59 per month for minimum coverage or $186 per month for full coverage in Tennessee. These are both cheaper averages than the national average.

Does Tennessee have high car insurance rates?

Tennessee doesn’t have high car insurance rates. Our data shows drivers in Tennessee pay about 17% less than the national average for full coverage and 19% less than the national average for minimum coverage.

Is it mandatory to have car insurance in Tennessee?

Yes, it’s mandatory to have car insurance in Tennessee. According to Tennessee law, drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 per accident in property damage liability.

Our Methodology

Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.

Here are the factors our ratings take into account:

Coverage (30% of total score): Companies that offer a variety of choices for insurance coverage are more likely to meet consumer needs.

Cost and Discounts (25% of total score): Auto insurance rate estimates generated by Quadrant Information Services and discount opportunities are both taken into consideration.

Industry Standing (20% of total score): Our research team considers market share, ratings from industry experts and years in business when giving this score.

Customer Experience (15% of total score): This score is based on volume of complaints reported by the National Association of Insurance Commissioners (NAIC) and customer satisfaction ratings reported by J.D. Power. We also consider the responsiveness, friendliness and helpfulness of each insurance company’s customer service team based on our own shopper analysis.

Availability (10% of total score): Auto insurance companies with greater state availability and few eligibility requirements score highest in this category.

Our credentials:

800 hours researched

130+ companies reviewed

8,500+ consumers surveyed

*Data accurate at time of publication.

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