Car Insurance Calculator in Tennessee

Get a personalized car insurance rate estimate by entering your ZIP code, driving history and coverage needs. See what Tennessee drivers with a similar profile are paying by filling in your details below.

Tennessee's minimum coverage requirements are lower than most states', and meeting them still leaves you on the hook financially after a serious accident. Answer four questions to see how much coverage you need.

How much car insurance you need comes down to four factors: your net worth, your vehicle's value, how you financed it and your comfort with financial risk.

• Your assets determine how much liability protection you need. Cause a serious accident where damages exceed your policy limits and you're personally responsible for the difference. Drivers with substantial assets should carry at least 100/300/100 in liability coverage.
• Your car's value determines whether comprehensive and collision coverage make financial sense. Vehicles worth less than $5,000 often cost more to insure for physical damage than you'd collect in a payout. That said, Tennessee's tornadoes and hailstorms make comprehensive coverage worth carrying on older cars that might otherwise skip it.
• Financing or leasing removes the choice entirely. Lenders and lessors require full coverage, including comprehensive and collision, with specific deductible limits until the loan is paid off. You can't opt out until you own the car outright.
• Tennessee doesn't require bodily injury liability coverage. Medical bills from serious accidents routinely exceed property damage limits, leaving you personally responsible for the difference. Add bodily injury liability to close that gap.

Those four factors determine how the calculator applies Tennessee's minimum coverage requirements.

1. Tennessee's 25/50/15 liability minimum requires $25,000 per person and $50,000 per accident for bodily injury, plus $15,000 for property damage. Those limits are lower than most states' minimums. A single serious accident in Nashville or Memphis can result in medical bills exceeding $25,000, leaving you responsible for the difference.
2. Minimum liability costs about 35% of what full coverage costs in Tennessee, and that difference pays for collision coverage on your own vehicle, comprehensive coverage for tornado and hail damage, and higher liability limits.
3. The calculator recommends more than the minimum when your net worth, car value or loan status creates financial risk that Tennessee's basic requirements won't cover. The extra premium closes that gap.

Tennessee's at-fault system and moderate uninsured motorist rates shape your car insurance costs alongside five factors: provider, age, location, driving history and credit score. Insurers weigh these differently, so quotes for identical coverage can vary by hundreds of dollars. Tennessee's weather risks and urban congestion in Nashville and Memphis push those areas above national averages.

The factors with the biggest impact on your Tennessee rate:

1. Provider choice creates the largest cost gap. The cheapest and most expensive insurer for identical full coverage in Tennessee can differ by $25 per month.
2. Age and driving experience are the second biggest cost drivers. Young drivers average $261 per month while senior drivers pay $137 for the same coverage.
3. Your ZIP code determines your local risk exposure. Drivers in Nashville and Memphis pay much higher premiums than those in smaller cities like Johnson City or Jackson, due to traffic density and higher claim rates.
4. Credit score and driving history have an outsized effect on your premium, especially for high-risk drivers. Drivers with good credit pay $104 per month compared to $292 for drivers with poor credit. Tennessee requires SR-22 filing for DUI convictions, and it must stay active for three years.

Getting quotes from at least three Tennessee insurers is the most effective way to lower your car insurance rate. Provider differences can exceed $25 per month for full coverage.

All costs and profile modifications in this calculator are based on the following driver profile:

• 40 years old
• Good credit
• Drives a 2012 Toyota Camry
• Clean driving record

We sourced rate data from insurer filings via Quadrant Information Services. Full coverage policies reflect 100/300/100 liability limits, comprehensive and collision coverage and a $1,000 deductible. Minimum coverage reflects Tennessee's state-mandated minimums of $25,000 bodily injury per person, $50,000 bodily injury per accident and $15,000 property damage per accident. We update rates monthly to ensure they reflect the most recent available data.

To learn more about how MoneyGeek analyzes car insurance costs, see our auto insurance methodology.