Cheapest Car Insurance in Tennessee

Car insurance rates have increased in Tennessee to an average monthly cost of $47 for minimum coverage and $103 for full coverage, but all the insurers below are cheaper than state averages. Compare the monthly car insurance rates in Tennessee below based on your age and driving history to find the cheapest company:

Cheapest by coverage type

• Full coverage: Auto-Owners, $76
• Minimum coverage: Farm Bureau, $26

Cheapest by driver age

• Teen drivers (16): Erie Insurance, $129
• Young drivers (20): Auto-Owners, $70
• Seniors (65+): Farm Bureau, $32

Cheapest by driving record

• Clean record: Farm Bureau, $27
• Speeding ticket: Farm Bureau, $27
• At-fault accident: Farm Bureau, $42
• DUI: Farm Bureau, $27
• Bad credit: GEICO, $86

Tennessee rates refreshed on December 2nd, 2025

For the most affordable minimum liability coverage in Tennessee, Farm Bureau is the cheapest at $26 monthly ($311 yearly), or 29% below state averages, saving you $108 annually. Auto-Owners is the next lowest cost at $28 monthly ($334 yearly), also well below average rates in the state by 23%.

The least expensive car insurance coverage in Tennessee is minimum liability-only. Tennessee requires $25,000 for bodily injury per person, $50,000 per accident and $15,000 for property damage (25/50/15). The state also requires uninsured motorist coverage at the same liability limits, making it one of the few states requiring this amount of coverage that protects you against 20% of the drivers that are uninsured in the state.

See our guide to how much car insurance you need.

For the most affordable cheapest full coverage car insurance in Tennessee, Auto-Owners is cheapest at $76 monthly ($905 yearly) and is 14% below state averages. Travelers also offers a low-cost option at $77 monthly ($918 yearly) and Farm Bureau is the third cheapest at $81 monthly, saving you 8%.

Is cheaper minimum liability coverage enough in Tennessee, or should you add full coverage? You'll want full coverage if your vehicle is worth more than what you'd pay out-of-pocket for repairs, or if you lease or finance your car because lenders require it. Full coverage bundles comprehensive and collision protection with your liability coverage. Collision covers repairs from at-fault accidents, while comprehensive covers damage from theft and severe weather.

The cheapest minimum monthly premiums range from $32 in Murfreesboro to $45 in Nashville.  The cheapest full coverage ranges from $67 in Murfreesboro to $94 in Nashville. Auto-Owners and Farm Bureau have the cheapest minimum and full coverage across the 10 largest cities in Tennessee and save drivers up to 37% versus the city average cost.

For 16-year-olds in Tennessee, Erie Insurance offers the most affordable minimum coverage at $129 monthly and full coverage at $359 monthly. By age 25, rates drop significantly, with Farm Bureau providing the cheapest minimum coverage at $36 monthly and Travelers offering the lowest full coverage at $90 monthly. Refer to the tables below to find the most affordable company for your age. 

Teens and young drivers can reduce rates with a good student discount (over a B average) and by remaining on family policies.

Farm Bureau has the cheapest car insurance for seniors across all ages, with minimum coverage ranging from $28 to $35 monthly and full coverage ranging from $78 to $95 monthly. Tennessee seniors drive fewer miles on average, so car insurance companies can reduce rates by up to 30% with lower annual miles.  Senior discounts and defensive driving classes will save you another 10%

Tennessee drivers with violations or low credit scores will see higher car insurance rates. Comparing multiple providers will help you find the lowest rate.  Here are the cheapest providers by category:  

• DUI: Farm Bureau ($42 monthly for minimum coverage), State Farm ($44)
• Speeding: Farm Bureau ($27 monthly for minimum coverage), Auto-Owners ($41)
• At-Fault Accident: Farm Bureau ($27 monthly for minimum coverage), State Farm ($48)
• Bad Credit: Penn National Insurance ($101 monthly for minimum coverage), GEICO ($86)

Drivers requiring SR-22 filing should check our guide to the cheapest SR-22 coverage in Tennessee.

For Tennessee drivers with a DUI, Farm Bureau offers the most affordable rates at $42 monthly for minimum coverage and $131 for full coverage. State Farm provides another cheap alternative at $123 monthly for full coverage.

After an at-fault accident in Tennessee, Farm Bureau offers the most affordable rates at $27 for minimum coverage and $83 for full coverage monthly, saving you 50% from the average state rate. State Farm and Auto-Owners have the second and third-lowest rates. While Farm Bureau has good rates after an accident, you should still expect your premiums to jump 25% to 50% compared to a clean driving record in Tennessee.

When will you see cheaper rates? Tennessee tracks violations over a 24-month period, so an accident will stop affecting your point accumulation after two years. Insurance companies typically look back three to five years when setting rates The most noticeable rate decreases happen after three years of clean driving.

After getting a speeding ticket in Tennessee, Farm Bureau provides the most affordable minimum coverage at $27 monthly and full coverage at $83 monthly. Auto-Owners and Erie offer competitive rates for both coverage types, but Tennessee drivers with a ticket should expect rates to increase 10-40%.

For Tennessee drivers with poor credit, GEICO offers the most affordable minimum coverage at $86 monthly and full coverage at $209 monthly, saving you 32% compared to the state average. Penn National Insurance and Erie offer low-cost alternatives for both coverage types. Tennessee allows insurers to factor credit scores into pricing, so Tennessee drivers with bad credit will have rates about 2 times higher than those with excellent credit, but these insurers offer the most affordable rates.

Tennessee's insurance costs run higher than neighboring states due to hail, tornadoes and heavy traffic on I-40 and I-65. The state's above-average uninsured driver rate means responsible drivers must cover gaps through their own policies when accidents occur.  Here are proven strategies to help you get cheaper car insurance in Tennessee:

Our insurance experts answer common questions about finding the most affordable car insurance coverage in the Tennessee:

We gathered auto insurance data from the Tennessee Department of Commerce &. Insurance and analyzed quotes from major insurers across all residential ZIP codes in Tennessee. Our analysis included more than 47 million rate comparisons in Tennessee to find the cheapest options for different driver profiles, coverage types and demographics. For detailed information on our research methodology, see our complete methodology guide.