Tennessee Car Insurance Quotes: Compare State Farm, Farmers Insurance and More

The biggest car insurance providers by market share in Tennessee are State Farm, Tennessee Farmers and Progressive. MoneyGeek collected quotes from these and the state’s other major insurers for multiple driver profiles with variances for age, driving record, credit score, and more.

To help you save on your premium, MoneyGeek compiled the cheapest car insurance companies in Tennessee. You can also use our guide on Tennessee’s average cost of car insurance to see how much rates change depending on multiple factors.

Keep in mind that the insurance quotes in MoneyGeek’s guides are before any possible discounts.

MoneyGeek collected thousands of car insurance quotes in Tennessee. Toggle your driver characteristics to personalize quotes for a better estimate of your rates.

CompareQuotesTennessee2022

Compare Tennessee Car Insurance Quotes

Compare State Farm Car Insurance Quote - State Farm

Compare Tennessee Farmer Car Insurance Quote - Farmers Insurance

Compare Progressive Car Insurance Quote - Progressive

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On average, a State Farm car insurance policy in Tennessee costs $826 per year.

A 40-year-old SUV driver with a clean record, an excellent credit score and the state minimum insurance gets the cheapest State Farm quote at around $327 per year.

The priciest quoted policy through State Farm is $5,557 roughly a year. It applies to a 20-year-old luxury sedan driver with an accident on their record, a poor credit score and full coverage.

You can select details that fit your profile and compare the cost of state minimum and full coverage car insurance policies in the table below.

State Farm Car Insurance Quotes in Tennessee

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• Coverage Level
  State Farm Average Annual Quote
• State Minimum Liability
  $401
• 100/300/100 Comprehensive/Collision
  $851

A Tennessee Farmers car insurance policy costs approximately $1,033 per year.

The most affordable quoted policy with Tennessee Farmers is around $332 per year; it’s for a 40-year-old SUV driver with a clean record, an excellent credit score and state minimum coverage.

A 20-year-old luxury sedan driver with a DUI on their record, a poor credit score and full coverage gets Tennessee Farmers’ most expensive quote at $9,337 per year on average.

In the table below, you can choose driving characteristics that fit your profile and compare the cost of a state minimum and a full coverage car insurance policy in Tennessee.

In Tennessee, the average cost of a Progressive policy is $959 per year.

Progressive’s cheapest quoted policy is for a 40-year-old SUV driver with a clean record, an excellent credit score and a state minimum insurance policy at approximately $374 per year.

Meanwhile, Progressive’s most expensive quote is roughly $9,002 per year for a 20-year-old luxury sedan driver with an accident on their record, a poor credit score and full coverage.

You can use the table below to select details that fit your driver profile and compare the cost of state minimum and full coverage car insurance.

Progressive Car Insurance Quotes in Tennessee

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• Coverage Level
  Progressive Average Annual Quote
• State Minimum Liability
  $458
• 100/300/100 Comprehensive/Collision
  $988

A GEICO car insurance policy in Tennessee costs approximately $776 per year.

A 40-year-old SUV driver with a clean record, an excellent credit score and state minimum insurance gets GEICO’s most affordable policy at around $311 per year.

GEICO’s most-expensive quoted policy is roughly $7,848 per year. A 20-year-old luxury sedan driver with a DUI on their record, a poor credit score and full coverage gets this premium.

Using the table below, you can select characteristics that match your profile and compare the cost of a state minimum policy against a full coverage insurance policy in Tennessee.

GEICO Car Insurance Quotes in Tennessee

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• Coverage Level
  GEICO Average Annual Quote
• State Minimum Liability
  $380
• 100/300/100 Comprehensive/Collision
  $800

In Tennessee, an Allstate car insurance policy has an average cost of $1,088 per year.

Allstate’s most affordable auto policy is approximately $497 per year. It’s for a 40-year-old SUV driver with a clean record, an excellent credit score and state minimum coverage.

A 20-year-old luxury sedan driver with a DUI on their record, a poor credit score and full coverage gets Allstate’s most expensive quoted policy of around $8,273 per year.

You can pick the details that best match your profile in the table below to compare the cost of state minimum and full coverage car insurance policies.

Allstate Car Insurance Quotes in Tennessee

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• Coverage Level
  Allstate Average Annual Quote
• State Minimum Liability
  $609
• 100/300/100 Comprehensive/Collision
  $1,121

A USAA car insurance policy in Tennessee costs around $602 per year but is only available to active military and veterans.

USAA’s cheapest quoted policy is roughly $272 per year for a 40-year-old SUV driver with a clean record, an excellent credit score and state minimum insurance coverage.

Meanwhile, USAA’s most expensive quote is for a 20-year-old luxury sedan driver with a DUI on their record, a poor credit score and full coverage, approximately $6,285 per year.

You can choose details that fit your driving profile and compare the cost of state minimum and full coverage car insurance in the table below.

USAA Car Insurance Quotes in Tennessee

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• Coverage Level
  USAA Average Annual Quote
• State Minimum Liability
  $333
• 100/300/100 Comprehensive/Collision
  $620

An Erie car insurance policy in Tennessee costs approximately $877 per year.

Erie’s cheapest quoted policy is around $359 per year; it’s for a 40-year-old SUV driver with a clean record, an excellent credit score and state minimum insurance.

A 20-year-old luxury sedan driver with a DUI on their record, a poor credit score and full coverage gets Erie’s most expensive quote of $7,580 per year on average.

You can choose details that fit your driving profile and compare the cost of a state minimum and full coverage car insurance policy using the table below.

Erie Car Insurance Quotes in Tennessee

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• Coverage Level
  Erie Average Annual Quote
• State Minimum Liability
  $439
• 100/300/100 Comprehensive/Collision
  $904

On average, a Nationwide car insurance policy in Tennessee costs $1,124 per year.

Nationwide’s most affordable quote is for a 40-year-old SUV driver with a clean record, an excellent credit score and state minimum insurance — roughly $440 per year.

Nationwide’s most expensive quoted policy is approximately $11,828 per year. It’s for a 20-year-old luxury sedan driver with a DUI on their record, a poor credit score and full coverage.

In the table below, choose details that fit your driving profile to compare the cost of a state minimum and a full coverage car insurance policy.

Nationwide Car Insurance Quotes in Tennessee

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• Coverage Level
  Nationwide Average Annual Quote
• State Minimum Liability
  $539
• 100/300/100 Comprehensive/Collision
  $1,158

You can do several things to determine how much you will pay for car insurance in Tennessee, like acquiring car insurance estimates.

You could perform research or use MoneyGeek’s. We’ve compiled car insurance quotes in Tennessee by company above, but our car insurance calculator for Tennessee yields more accurate estimates.

You can also compare binding quotes with real prices from car insurance companies in Tennessee. That method is time-consuming but produces the most precise rates.

Auto Insurance Calculator

State

Tennessee

Age

30-65

Driving Record

Clean

Credit Score

Excellent

Vehicle Type

Compact

Vehicle Year

2020

Liability Coverage

State Min

Comprehensive and Collision Insurance

None

Gender

Female

Add Student Driver

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click your preferred price range to see company options.

Click an insurer below to visit their review page or continue to your personalized quote.

Company

Average Annual Rates

1.

USAA

$336

2.

GEICO

$389

3.

State Farm

$396

4.

Tennessee Farmers

$398

5.

Erie

$429

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You can use online quote tools or speak to an insurance agent or broker to get car insurance quotes in Tennessee. During the process, you provide personal details and vehicle information. You also need to indicate how much car insurance you require for an accurate quote.

MoneyGeek analyzed the time it takes to obtain quotes from the leading insurance providers in Tennessee. We also identified which companies do not provide online estimates.

Based on our research, Erie’s quote tool is the fastest. Some companies feature a quote tool on their website, but MoneyGeek wasn’t able to retrieve a quote for our sample driver. We’ve marked those companies as having no online quote process.

State Farm has a quote tool on its website that you can use to get a policy cost estimate. It took around two minutes for MoneyGeek to get a quote from the tool for a sample driver. After the initial offer, you can update your coverage levels and see how prices change in real-time.

MoneyGeek tried to use Tennessee Farmers’ online quote tool for our sample driver, but the system was unable to process our request and referred us to speak with an agent. For that reason, we consider Tennessee Farmers as not having a reliable online quote tool.

Progressive’s online quote tool takes approximately two minutes to use. After MoneyGeek collected a quote for our sample driver, it allowed us to modify coverages and see how rates change.

GEICO has an online quote tool, and it takes roughly three minutes to get a quote. MoneyGeek obtained a quote for a sample driver and discovered the tool allows you to bundle other insurance policies to access discounts. It also permits coverage level changes and instantly reflects the updated rates.

You can access Allstate’s online quote tool on its website. It took MoneyGeek around two minutes to get a quote for our sample driver. Allstate’s tool allows changes to coverage levels and shows the updated price after modification. The tool even helps users find possible discounts.

USAA’s website has an online quote tool, but MoneyGeek could not retrieve an estimate for our sample driver. We were advised to speak with an agent to receive a quote.

Liberty Mutual’s quote tool gives you an idea of how much a car insurance policy costs. The whole process took MoneyGeek around two minutes for our sample driver. The tool allows modifications to the initial quote and updates the rate as you make changes.

MoneyGeek used Erie’s online quote tool for our sample driver, and it takes approximately one minute before you receive your car insurance quote. You can modify the policy with the tool and see price changes in real-time.

You can use Nationwide’s online quote tool to receive a car insurance policy rate. It took around two minutes for MoneyGeek to get a quote for a sample driver and adjustments to the policy were possible with price changes occurring in real-time.

National General Group’s online quote tool takes around one minute. For our sample driver’s quote, MoneyGeek found it allows you to change coverages and see adjusted prices right away.

Getting a car insurance quote doesn’t need to be time-consuming. To help make your shopping process easier, MoneyGeek answered the most common questions about getting car insurance quotes in Tennessee.

About the Author

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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.

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