Auto-Owners leads Tennessee's car insurance market with a MoneyGeek score of 4.84 out of 5, balancing excellent customer service with competitive rates. While Auto-Owners stands out overall, your ideal insurance provider depends on your needs. We also recommend considering Travelers, Erie, Farm Bureau and Farmers for quality coverage in the Volunteer State.
Best Car Insurance in Tennessee
Updated: August 29, 2025
Advertising & Editorial Disclosure
Key Takeaways
Best overall car insurance provider in Tennessee is Auto-Owners, ranking first in affordability.
Travelers offers the best rates for drivers with a DUI in Tennessee, while Erie is the top choice for drivers with speeding tickets.
Tennessee drivers can secure better insurance rates by deciding on coverage needs first, researching provider options and comparing plenty of quotes before choosing a policy.
Best Car Insurance Companies in Tennessee
*Scores above are for a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Car Insurance in Tennessee by Driver Profile
Auto-Owners leads in five out of ten driver categories in Tennessee, including young, adult and senior drivers. Travelers offers the best rates for three categories, while Erie provides the lowest premiums for drivers with speeding tickets and bad credit.
| Young Drivers | Auto-Owners | 2 | 1 | 6 |
| Adult Drivers | Auto-Owners | 1 | 1 | 6 |
| Senior Drivers | Auto-Owners | 2 | 1 | 6 |
| Drivers With an Accident | Travelers | 2 | 3 | 5 |
| Drivers With a DUI | Travelers | 1 | 3 | 5 |
| Drivers With a Speeding Ticket | Erie | 2 | 2 | 3 |
| Drivers With Bad Credit | Erie | 3 | 2 | 3 |
| Drivers With Low Income | Auto-Owners | 3 | 1 | 6 |
| Drivers With Newer Cars | Travelers | 1 | 2 | 4 |
| Drivers With Old Cars | Auto-Owners | 1 | 1 | 5 |
*We modified the categories above based on a 40-year-old male driver with a clean driving record and good credit who is insuring a 2012 Toyota Camry LE. Young drivers reflect ages 16 to 25, adult drivers ages 26 to 64 and seniors 65 and older.
Personalized Best Tennessee Car Insurance Recommendations
Our research provides general guidance, but your unique profile might need different coverage options. Use the comparison tool below to see which of our top five insurance providers best matches your needs.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Female
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
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Credit Alignment:Below Fair
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Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Farm Bureau | 4.46 | $193 | 5 | 8 |
| Travelers | 4.39 | $270 | 3 | 5 |
| Erie | 4.35 | $295 | 2 | 3 |
| Penn National Insurance | 4.33 | $206 | 11 | 5 |
| Geico | 4.21 | $233 | 7 | 7 |
*Rates refer to an overall average of minimum and full coverage rates for this profile.
Best Tennessee Car Insurance Reviews
See detailed service breakdowns for our top-rated insurance companies below.
Auto-Owners
Best Customer Experience in Tennessee
MoneyGeek Rating
4.8/ of 5
5/5Affordability
5/5Customer Experience
3.4/5Coverage Options
Average Monthly Full Coverage Cost
$79For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$32For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.6/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
True Blue Auto Coverage
Travelers
Best Coverage Options in Tennessee
MoneyGeek Rating
4.7/ of 5
4.9/5Affordability
4.6/5Customer Experience
3.9/5Coverage Options
Average Monthly Full Coverage Cost
$78For 100/300/100 liability and $1,000 deductible comprehensive and collision coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAverage Monthly Minimum Coverage Cost
$38For minimum state coverage for our base profile of a 40-year-old male driver with good credit and no driving violationsAgent Service Score
4.2/5Aggregated across all captive and independent agentsMost Unique Coverage Add-on
IntelliDrive Plus Program
How to Find the Best Car Insurance in Tennessee
Finding the right car insurance in Tennessee can be challenging. We created this guide to help you choose coverage that fits your needs and budget.
- 1
Decide on coverage needs before you buy
The easiest way to overpay for car insurance is not knowing what coverage you need. Consider your driving habits, location and finances when selecting auto insurance that meets Tennessee required minimums.
- 2
Research average costs and discounts you may qualify for
Start by researching average car insurance costs in Tennessee to understand typical pricing for your profile. Look into savings opportunities like home and auto insurance bundles, telematics programs and good student discounts. Taking a defensive driving program can also lead to additional savings.
- 3
Look through provider customer experiences and coverage options thoroughly
Search for customer feedback and review company coverage options.
- 4
Consider non-standard coverage options
Non-owner car insurance and pay-per-mile policies might better suit your needs and budget. If you require an SR-22 in Tennessee, your provider options and costs will differ.
- 5
Compare plenty of quotes through multiple means
You can find the cheapest option possible by looking at quotes from insurers and online.
- 6
Reassess annually
Review coverage options each year and see if you can find a better deal.
Best Tennessee Auto Insurance: Bottom Line
The best auto insurance depends on location, coverage type, driver profile and driving history. Based on our analysis, Auto-Owners is the top-rated company overall, while Travelers and Erie are also good options for drivers in Tennessee.
Best Auto Insurance in Tennessee: FAQ
Finding the right car insurance depends on your unique needs, so we've gathered expert answers to help you choose coverage that fits your situation and budget.
What is the best car insurance company in Tennessee?
Auto-Owners leads Tennessee's car insurance market with a MoneyGeek score of 4.84 out of 5 and an average monthly premium of $79 for full coverage.
What is the best car insurance company for minimum coverage in Tennessee?
Farm Bureau ranks highest for minimum coverage in Tennessee with an average rate as low as $324 per year.
What is the best car insurance in Tennessee for young drivers?
Auto-Owners is the leading insurance provider for young adults in Tennessee, offering excellent customer service and competitive rates around $146 per month.
What is the best car insurance for Tennessee drivers who value customer service?
Auto-Owners ranks highest for customer experience in Tennessee with a 5 out of 5 score. The company excels in their purchase experience, agent interactions, digital tools and claims handling processes.
What is the best car insurance in Tennessee if you have driving offenses?
Erie is the leading choice for Tennessee drivers with a speeding ticket, offering monthly rates of $42 for minimum coverage and $112 for full coverage.
How We Rated the Best Car Insurance in Tennessee
We researched more than 70 companies, from national to small local providers across all U.S. residential ZIP codes in Tennessee. We also checked the internet for customer reviews, discounts and coverage details to give you a complete picture of each provider's services. All companies had enough customer reviews and coverage information to make our list.
Here's how we score each company:
- Affordability (60% of score): We look at quotes for different driver profiles and compare rates within Tennessee. Our main rating uses a 40-year-old male with good credit, no driving violations, no claims history and a valid license. We also check other combinations to ensure you find the right fit for your situation.
- Customer experience (30% of score): We used sources like Google reviews, J.D. Power, AM Best and Reddit to see what customers think about each company. We focused on Tennessee-specific feedback to get an accurate score.
- Coverage options (10% of score): This score considers the number of coverage options a company offers, what makes it unique and what benefits it includes.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.