Tennessee Car Insurance

Tennessee car insurance rates average at $110 per month, but your rates may vary depending on your age, driving record, and what kind of car you drive. Tennesse auto insurance laws require drivers to carry 25/50/15 in minimum liability coverage, but you may opt for more coverage which will also impact your rates. Find out how much you could pay for Tennessee car insurance coverage with our free comparison tool below.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 23, 2020

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It’s all about you. We want to help you make the right cheap car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare cheap car insurance quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.

Tennessee has over 150 licensed car insurance companies and even with mandatory car insurance requirements its not hard to find affordable car insurance in Tennessee. Car insurance rates for registered vehicles in Tennessee run around 20% less than the national average and almost all drivers can take advantage of a wealth of discounts for even lower rates.

Tennessee Auto Insurance Requirements

Take a look at how state minimum car insurance rates vary from state to state.

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Minimum car insurance requirements in Tennessee require all vehicles to carry liability insurance or an application for tags will be denied along with possible fines and other penalties should you be convicted of driving with no car insurance. Mandatory minimum auto insurance requirements in Tennessee (2010) are as follows:

  • $25,000 liability coverage per accident (for injuries to one person)
  • $50,000 combined liability coverage per accident (all injured persons)
  • $15,000 liability coverage for property damage

While TN car insurance requirements seem reasonable for most vehicle damage liability insurance still only covers damage to property other people own. Any damage or injuries you sustain will not be covered with a liability-only insurance policy if the accident was your fault.

You also want to consider the cost of medical care today as a broken arm or even some minor injuries can easily result in $20,000 or more of medical bills. Always consider higher limits of coverage than state minimums and a car insurance policy which excludes several forms of insurance to provide sufficient protection for you and other people in a car accident.

Let’s take a look at the average monthly car insurance rates.

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Tennessee Car Insurance Companies

Almost all popular brands offer coverage in Tennessee however with over 150 licensed auto insurers its important to keep your eyes open and compare all your policy options. Many smaller providers have sufficient coverage at very affordable premiums along with strong industry ratings. The top car insurance companies in Tennessee by market share are:

Let’s take a closer look at how ZIP codes affect car insurance in Tennessee.

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Age and gender will affect your car insurance. Younger drivers are often in a high risk class. See if the gender stereotype (males pay more) holds true in TN.

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Take a look at these 6 major factors affecting auto insurance rates in Tennessee.

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Now let’s see who is the cheapest car insurance company in TN.

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Who are the largest car insurance companies in Tennessee?

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Who has the Best Car Insurance Rates in Tennessee?

This is always an impossible question to answer since every driver has a different profile. While Geico may have the best rates for you the Farmers Insurance Group may be $200 lower for your best friend. Car insurance comparison is always recommended because of the different profiles attached to each driver and the best auto insurance rates can only ever be found by comparing policies from one insurer to another.

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State Minimum Car Insurance Rates Nationwide
Average Monthly Car Insurance Rates by State
Monthly Tennessee Car Insurance Rates by ZIP Code
Average Monthly Car Insurance Rates by Age & Gender in Tennessee
Factors Affecting Car Insurance Rates in Tennessee
Tennessee Car Insurance Rates by Company vs. State Average
Tennessee Car Insurers by Market Share %