Which company offers the cheapest car insurance in Tennessee?

Auto-Owners is the cheapest car insurance company in Tennessee for a minimum coverage policy. The average cost of car insurance in Tennessee is $1,018 per year, but rates may vary depending on your profile.

Should you buy the cheapest car insurance available in Tennessee?

If you are on a budget, buying the cheapest car insurance available in Tennessee, a minimum coverage policy from Auto-Owners, may be a good idea. If you are looking for the best balance of cost and quality service, Auto-Owners is the best car insurance company in Tennessee .

The Cheapest Car Insurance in Tennessee (September 2023)

Auto-Owners offers the cheapest minimum coverage car insurance in Tennessee based on September 2023 quotes. The cheapest option for you may vary based on your background and desired coverage.

Auto-Owners is the cheapest car insurance company for minimum coverage policies in Tennessee. MoneyGeek also found that Tennessee Farm Bureau, State Farm and USAA have the cheapest rates in Tennessee for certain types of drivers.

The best car insurance companies in Tennessee offer a balance of affordability and quality service.

CheapestCar InsuranceTennessee

2023

Table of Contents

Cheapest Minimum Car Insurance - Auto-Owners Insurance

Cheapest for Full Coverage - Auto-Owners Insurance

Use MoneyGeek’s Tennessee Car Insurance Calculator

Cheapest by Age

Cheapest for Higher Risk Drivers

Cheapest for Military Drivers - USAA

Find Cheap Rates in Your City

Cheapest Minimum Liability Car Insurance in Tennessee (September 2023)

MoneyGeek found that the cheapest car insurance companies for a minimum coverage policy in Tennessee are:

Auto-Owners: $263 per year
Tennessee Farm Bureau: $276 per year

Allstate offers the most expensive option for minimum coverage at an average cost of $640 per year.

Tennessee’s minimum liability policy only provides coverage for bodily injury liability and property damage liability.

Age Range

Coverage Level

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$263	$22
Tennessee Farm Bureau	$264	$22
Auto-Owners Insurance Co	$264	$22
Tennessee Farm Bureau	$276	$23
Grange Insurance	$316	$26
Progressive	$322	$27
Grange Insurance	$324	$27
Farmers	$338	$28
State Farm	$339	$28
Erie	$340	$28
Erie	$342	$29
Progressive	$346	$29
Cincinnati Insurance	$354	$30
Farmers	$359	$30
Grange Insurance	$361	$30
State Farm	$361	$30
Tennessee Farm Bureau	$370	$31
Auto-Owners Insurance Co	$380	$32
Westfield	$381	$32
American National P&C	$401	$33
Cincinnati Insurance	$406	$34
Chubb	$411	$34
Westfield	$421	$35
Farmers	$422	$35
Travelers	$423	$35
Progressive	$429	$36
Nationwide	$432	$36
State Farm	$439	$37
Chubb	$444	$37
Westfield	$449	$37
Erie	$461	$38
American National P&C	$467	$39
Travelers	$474	$40
Travelers	$480	$40
American National P&C	$488	$41
GEICO	$510	$42
Cincinnati Insurance	$519	$43
Nationwide	$542	$45
GEICO	$544	$45
GEICO	$624	$52
Nationwide	$628	$52
Allstate	$640	$53
Allstate	$648	$54
Allstate	$689	$57
Auto-Owners Insurance Co	$692	$58
Farmers	$732	$61
Chubb	$733	$61
Auto-Owners Insurance Co	$736	$61
Tennessee Farm Bureau	$746	$62
Grange Insurance	$755	$63
Farmers	$774	$65
Grange Insurance	$810	$67
Cincinnati Insurance	$823	$69
Erie	$851	$71
Erie	$851	$71
Tennessee Farm Bureau	$860	$72
State Farm	$903	$75
Grange Insurance	$927	$77
Travelers	$928	$77
Nationwide	$934	$78
Travelers	$939	$78
Farmers	$945	$79
Chubb	$951	$79
Westfield	$955	$80
Westfield	$966	$81
Nationwide	$984	$82
Cincinnati Insurance	$1,004	$84
State Farm	$1,015	$85
Auto-Owners Insurance Co	$1,053	$88
Progressive	$1,055	$88
American National P&C	$1,063	$89
American National P&C	$1,069	$89
Chubb	$1,073	$89
Travelers	$1,099	$92
Allstate	$1,135	$95
Erie	$1,144	$95
Progressive	$1,175	$98
GEICO	$1,180	$98
Tennessee Farm Bureau	$1,184	$99
Allstate	$1,194	$99
Nationwide	$1,225	$102
Westfield	$1,226	$102
GEICO	$1,226	$102
Allstate	$1,228	$102
State Farm	$1,278	$107
Cincinnati Insurance	$1,279	$107
American National P&C	$1,362	$113
Progressive	$1,535	$128
GEICO	$1,545	$129
Chubb	$1,572	$131

A minimum coverage car insurance policy only covers damages or injuries inflicted on a third party. Damages to your car are not included in the coverage.

Only a full coverage policy with comprehensive and collision insurance covers damages to your car.

Cheapest Full Coverage Car Insurance in Tennessee (September 2023)

MoneyGeek found that the cheapest full coverage car insurance providers in Tennessee are:

Auto-Owners: $736 per year
Farmers: $774 per year

GEICO is the most expensive option for full coverage at $1,226 per year.

A full coverage policy usually costs more since it offers comprehensive and collision insurance. A minimum coverage policy from Auto-Owners is up to $473 cheaper than a full coverage policy from the same company.

A full coverage policy will cover your car for damages caused by both on-road incidents like collisions and off-road incidents like vandalism.

Age Range

Coverage Level

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$263	$22
Tennessee Farm Bureau	$264	$22
Auto-Owners Insurance Co	$264	$22
Tennessee Farm Bureau	$276	$23
Grange Insurance	$316	$26
Progressive	$322	$27
Grange Insurance	$324	$27
Farmers	$338	$28
State Farm	$339	$28
Erie	$340	$28
Erie	$342	$29
Progressive	$346	$29
Cincinnati Insurance	$354	$30
Farmers	$359	$30
Grange Insurance	$361	$30
State Farm	$361	$30
Tennessee Farm Bureau	$370	$31
Auto-Owners Insurance Co	$380	$32
Westfield	$381	$32
American National P&C	$401	$33
Cincinnati Insurance	$406	$34
Chubb	$411	$34
Westfield	$421	$35
Farmers	$422	$35
Travelers	$423	$35
Progressive	$429	$36
Nationwide	$432	$36
State Farm	$439	$37
Chubb	$444	$37
Westfield	$449	$37
Erie	$461	$38
American National P&C	$467	$39
Travelers	$474	$40
Travelers	$480	$40
American National P&C	$488	$41
GEICO	$510	$42
Cincinnati Insurance	$519	$43
Nationwide	$542	$45
GEICO	$544	$45
GEICO	$624	$52
Nationwide	$628	$52
Allstate	$640	$53
Allstate	$648	$54
Allstate	$689	$57
Auto-Owners Insurance Co	$692	$58
Farmers	$732	$61
Chubb	$733	$61
Auto-Owners Insurance Co	$736	$61
Tennessee Farm Bureau	$746	$62
Grange Insurance	$755	$63
Farmers	$774	$65
Grange Insurance	$810	$67
Cincinnati Insurance	$823	$69
Erie	$851	$71
Erie	$851	$71
Tennessee Farm Bureau	$860	$72
State Farm	$903	$75
Grange Insurance	$927	$77
Travelers	$928	$77
Nationwide	$934	$78
Travelers	$939	$78
Farmers	$945	$79
Chubb	$951	$79
Westfield	$955	$80
Westfield	$966	$81
Nationwide	$984	$82
Cincinnati Insurance	$1,004	$84
State Farm	$1,015	$85
Auto-Owners Insurance Co	$1,053	$88
Progressive	$1,055	$88
American National P&C	$1,063	$89
American National P&C	$1,069	$89
Chubb	$1,073	$89
Travelers	$1,099	$92
Allstate	$1,135	$95
Erie	$1,144	$95
Progressive	$1,175	$98
GEICO	$1,180	$98
Tennessee Farm Bureau	$1,184	$99
Allstate	$1,194	$99
Nationwide	$1,225	$102
Westfield	$1,226	$102
GEICO	$1,226	$102
Allstate	$1,228	$102
State Farm	$1,278	$107
Cincinnati Insurance	$1,279	$107
American National P&C	$1,362	$113
Progressive	$1,535	$128
GEICO	$1,545	$129
Chubb	$1,572	$131

Car insurance rates will largely depend on how much car insurance you need.

For this analysis, MoneyGeek used a sample full coverage policy with the following limits.

$100,000 in bodily injury liability per person
$300,000 in bodily injury liability per accident
$100,000 in property damage liability per accident

To save on premiums, you can opt for lower liability limits, raise your deductible or drop the comprehensive and collision insurance. However, doing so may leave you with insufficient coverage.

How to Compare Cheap Tennessee Car Insurance Quotes Online

Most insurers offer online quotes. However, the process can take up to 15 minutes, and you’ll need to compare rates across multiple websites if you are shopping around.

MoneyGeek’s car insurance calculator allows you to get an estimate without inputting specific personal information. You can also use the calculator to compare quotes from multiple providers to find the best rates for your profile.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

Tennessee

Gender

Female

Age

30-65

Driving Record

Clean

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

CompanyAverage Annual Rates

1.USAA

$336

2.GEICO

$389

3.State Farm

$396

4.Tennessee Farmers

$398

5.Erie

$429

Cheapest Car Insurance in Tennessee by Age (September 2023)

Age is one of the biggest factors affecting car insurance rates in Tennessee. MoneyGeek found that Nationwide, Grange Insurance and Auto-Owners offer the cheapest options on average, depending on what age group you and your family belong to.

CHEAPEST CAR INSURANCE COMPANIES BY AGE

Cheapest for teens: Nationwide
Cheapest for young adults: Grange Insurance
Cheapest for seniors: Auto-Owners

Cheapest Car Insurance in Tennessee for Teens and Their Families (September 2023)

MoneyGeek found the following companies offer the cheapest car insurance for teens in Tennessee:

Nationwide: $1,673 per year for male teens and $1,466 for female teens
Allstate: $1,779 per year for male teens; State Farm: $1,479 for female teens

Progressive is the most expensive option in Tennessee for teens at an average of $3,006 per year for male teens and $2,766 per year for female teens.

Due to diminishing car insurance rates for teens as they age, 19-year-old drivers have a significantly lower premium than 16-year-old drivers. Tennessee's 19-year-old male drivers can get the cheapest car insurance premiums from Auto-Owners ($1,405 per year).

Teen drivers in Tennessee pay up to $2,890 less per year for car insurance if they’re added to a parent’s policy than if they purchase an individual policy.

Filter by sex

Age

Company	Family Plan Annual Premium	Individual Plan Annual Premium
State Farm	$680	$725
State Farm	$760	$809
State Farm	$769	$822
Farmers	$787	$1,087
State Farm	$831	$885
Farmers	$850	$1,210
Nationwide	$859	$1,232
State Farm	$866	$1,063
Nationwide	$870	$1,142
State Farm	$873	$932
Nationwide	$878	$1,614
Auto-Owners Insurance Co	$883	$922
Nationwide	$892	$1,885
Travelers	$912	$1,152
State Farm	$921	$981
Auto-Owners Insurance Co	$937	$906
Travelers	$943	$1,206
Allstate	$951	$3,103
State Farm	$961	$1,027
Allstate	$963	$1,052
Nationwide	$968	$1,271
Auto-Owners Insurance Co	$969	$1,011
Auto-Owners Insurance Co	$981	$948
Allstate	$989	$1,061
State Farm	$994	$1,221
Allstate	$1,001	$1,406
Nationwide	$1,004	$1,440
Nationwide	$1,021	$1,340
Travelers	$1,026	$1,296
Auto-Owners Insurance Co	$1,036	$1,001
Allstate	$1,041	$1,137
Auto-Owners Insurance Co	$1,054	$1,101
State Farm	$1,055	$1,292
Travelers	$1,059	$1,338
Auto-Owners Insurance Co	$1,061	$1,358
Nationwide	$1,065	$1,528
Travelers	$1,079	$1,380
State Farm	$1,089	$1,163
Allstate	$1,091	$1,562
Travelers	$1,103	$1,556
Auto-Owners Insurance Co	$1,121	$1,083
Allstate	$1,123	$1,226
State Farm	$1,123	$1,379
Allstate	$1,126	$1,207
Travelers	$1,131	$1,429
Farmers	$1,134	$3,876
State Farm	$1,138	$1,582
Auto-Owners Insurance Co	$1,145	$1,152
GEICO	$1,152	$1,195
Travelers	$1,158	$1,481
Nationwide	$1,159	$1,522
Nationwide	$1,165	$2,141
GEICO	$1,167	$1,164
Allstate	$1,168	$1,639
GEICO	$1,172	$1,216
Auto-Owners Insurance Co	$1,177	$1,229
Allstate	$1,181	$3,516
Farmers	$1,196	$4,198
GEICO	$1,202	$1,199
Auto-Owners Insurance Co	$1,222	$1,564
Allstate	$1,223	$1,312
GEICO	$1,223	$1,683
Nationwide	$1,226	$1,759
State Farm	$1,240	$1,520
Allstate	$1,246	$1,361
GEICO	$1,248	$1,294
GEICO	$1,255	$1,789
Nationwide	$1,260	$2,664
GEICO	$1,265	$1,262
Auto-Owners Insurance Co	$1,268	$1,276
Travelers	$1,268	$1,814
Travelers	$1,276	$1,631
Allstate	$1,278	$4,171
Travelers	$1,289	$1,818
Farmers	$1,298	$937
State Farm	$1,299	$1,806
Farmers	$1,315	$4,496
Farmers	$1,320	$953
Nationwide	$1,323	$2,972
Allstate	$1,323	$1,419
Farmers	$1,327	$958
Farmers	$1,336	$1,013
Farmers	$1,347	$1,861
Travelers	$1,353	$2,660
Farmers	$1,359	$1,030
Allstate	$1,364	$1,915
Allstate	$1,372	$1,966
Nationwide	$1,378	$2,534
Farmers	$1,383	$1,049
Farmers	$1,394	$4,893
Auto-Owners Insurance Co	$1,405	$1,797
Auto-Owners Insurance Co	$1,407	$1,416
State Farm	$1,419	$1,739
Farmers	$1,420	$2,022
Farmers	$1,425	$1,029
State Farm	$1,450	$1,987
Nationwide	$1,466	$3,293
Nationwide	$1,466	$3,293
State Farm	$1,479	$2,056
Progressive	$1,483	$1,606
Allstate	$1,485	$2,127
Progressive	$1,489	$1,538
Travelers	$1,489	$2,100
Travelers	$1,498	$2,142
Farmers	$1,498	$2,070
Nationwide	$1,504	$3,833
GEICO	$1,506	$1,502
Farmers	$1,514	$1,148
Allstate	$1,532	$4,560
GEICO	$1,546	$1,604
Farmers	$1,563	$2,226
Nationwide	$1,564	$3,308
GEICO	$1,579	$2,172
Progressive	$1,580	$2,329
GEICO	$1,580	$2,978
Travelers	$1,628	$3,260
GEICO	$1,655	$2,358
State Farm	$1,656	$2,270
Progressive	$1,659	$1,713
Travelers	$1,669	$3,282
Nationwide	$1,673	$4,264
Nationwide	$1,673	$4,264
Progressive	$1,673	$1,812
Allstate	$1,687	$5,507
GEICO	$1,734	$3,257
Travelers	$1,764	$2,522
GEICO	$1,772	$2,438
Progressive	$1,777	$1,835
Allstate	$1,779	$5,297
Progressive	$1,804	$2,727
GEICO	$1,822	$3,435
GEICO	$1,856	$2,645
Progressive	$1,856	$2,010
State Farm	$1,885	$2,584
Farmers	$1,903	$6,506
Progressive	$1,915	$1,978
Farmers	$2,020	$7,093
GEICO	$2,028	$3,811
Travelers	$2,046	$4,097
Progressive	$2,073	$2,245
Auto-Owners Insurance Co	$2,104	$2,658
Progressive	$2,140	$3,154
Auto-Owners Insurance Co	$2,144	$2,035
Travelers	$2,160	$4,247
Auto-Owners Insurance Co	$2,346	$2,965
Auto-Owners Insurance Co	$2,346	$2,227
GEICO	$2,353	$4,437
Progressive	$2,430	$3,675
Progressive	$2,481	$3,658
Auto-Owners Insurance Co	$2,503	$2,376
GEICO	$2,522	$4,738
Auto-Owners Insurance Co	$2,585	$3,267
Progressive	$2,706	$7,615
Travelers	$2,711	$5,430
Progressive	$2,766	$7,784
Progressive	$2,827	$4,274
Progressive	$3,006	$8,635
Progressive	$3,015	$8,662
Progressive	$3,163	$8,900
Progressive	$3,432	$9,859

MONEYGEEK EXPERT TIP

On average, car insurance rates for male teens tend to be significantly more expensive than for female teens. This rate difference is not as notable when drivers reach their 20s and beyond.

Car insurance for teens can be expensive, but families can save by taking advantage of discounts for young drivers. Insurers like Auto-Owners Insurance and State Farm offer good student and distant student discounts that can help to reduce premiums.

Cheapest Car Insurance in Tennessee for Young Adults (September 2023)

Based on MoneyGeek’s analysis, the most affordable car insurance companies in Tennessee for young adults are:

Grange Insurance: $927 per year
Farmers: $945 per year

Chubb has the highest rates for drivers in their 20s at an average of $1,572 per year.

Drivers in their 20s usually pay higher rates for car insurance than middle-aged drivers. For instance, Grange Insurance’s policy for a driver in their 20s is up to $117 more expensive than the same policy for a 40-year-old driver.

Age Range

Coverage Level

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$263	$22
Tennessee Farm Bureau	$264	$22
Auto-Owners Insurance Co	$264	$22
Tennessee Farm Bureau	$276	$23
Grange Insurance	$316	$26
Progressive	$322	$27
Grange Insurance	$324	$27
Farmers	$338	$28
State Farm	$339	$28
Erie	$340	$28
Erie	$342	$29
Progressive	$346	$29
Cincinnati Insurance	$354	$30
Farmers	$359	$30
Grange Insurance	$361	$30
State Farm	$361	$30
Tennessee Farm Bureau	$370	$31
Auto-Owners Insurance Co	$380	$32
Westfield	$381	$32
American National P&C	$401	$33
Cincinnati Insurance	$406	$34
Chubb	$411	$34
Westfield	$421	$35
Farmers	$422	$35
Travelers	$423	$35
Progressive	$429	$36
Nationwide	$432	$36
State Farm	$439	$37
Chubb	$444	$37
Westfield	$449	$37
Erie	$461	$38
American National P&C	$467	$39
Travelers	$474	$40
Travelers	$480	$40
American National P&C	$488	$41
GEICO	$510	$42
Cincinnati Insurance	$519	$43
Nationwide	$542	$45
GEICO	$544	$45
GEICO	$624	$52
Nationwide	$628	$52
Allstate	$640	$53
Allstate	$648	$54
Allstate	$689	$57
Auto-Owners Insurance Co	$692	$58
Farmers	$732	$61
Chubb	$733	$61
Auto-Owners Insurance Co	$736	$61
Tennessee Farm Bureau	$746	$62
Grange Insurance	$755	$63
Farmers	$774	$65
Grange Insurance	$810	$67
Cincinnati Insurance	$823	$69
Erie	$851	$71
Erie	$851	$71
Tennessee Farm Bureau	$860	$72
State Farm	$903	$75
Grange Insurance	$927	$77
Travelers	$928	$77
Nationwide	$934	$78
Travelers	$939	$78
Farmers	$945	$79
Chubb	$951	$79
Westfield	$955	$80
Westfield	$966	$81
Nationwide	$984	$82
Cincinnati Insurance	$1,004	$84
State Farm	$1,015	$85
Auto-Owners Insurance Co	$1,053	$88
Progressive	$1,055	$88
American National P&C	$1,063	$89
American National P&C	$1,069	$89
Chubb	$1,073	$89
Travelers	$1,099	$92
Allstate	$1,135	$95
Erie	$1,144	$95
Progressive	$1,175	$98
GEICO	$1,180	$98
Tennessee Farm Bureau	$1,184	$99
Allstate	$1,194	$99
Nationwide	$1,225	$102
Westfield	$1,226	$102
GEICO	$1,226	$102
Allstate	$1,228	$102
State Farm	$1,278	$107
Cincinnati Insurance	$1,279	$107
American National P&C	$1,362	$113
Progressive	$1,535	$128
GEICO	$1,545	$129
Chubb	$1,572	$131

Cheapest Car Insurance in Tennessee for Seniors (September 2023)

MoneyGeek analyzed the most affordable car insurance companies for seniors in Tennessee and found that the cheapest providers are:

Auto-Owners: $692 per year
Farmers: $732 per year

Allstate is the least affordable option if you are a senior in Tennessee at an average cost of $1,194.

Senior drivers in Tennessee pay less for car insurance than middle-aged drivers. An Auto-Owners full coverage policy is approximately $44 cheaper for seniors. However, rates typically increase as drivers reach their 70s and 80s.

Age Range

Coverage Level

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$263	$22
Tennessee Farm Bureau	$264	$22
Auto-Owners Insurance Co	$264	$22
Tennessee Farm Bureau	$276	$23
Grange Insurance	$316	$26
Progressive	$322	$27
Grange Insurance	$324	$27
Farmers	$338	$28
State Farm	$339	$28
Erie	$340	$28
Erie	$342	$29
Progressive	$346	$29
Cincinnati Insurance	$354	$30
Farmers	$359	$30
Grange Insurance	$361	$30
State Farm	$361	$30
Tennessee Farm Bureau	$370	$31
Auto-Owners Insurance Co	$380	$32
Westfield	$381	$32
American National P&C	$401	$33
Cincinnati Insurance	$406	$34
Chubb	$411	$34
Westfield	$421	$35
Farmers	$422	$35
Travelers	$423	$35
Progressive	$429	$36
Nationwide	$432	$36
State Farm	$439	$37
Chubb	$444	$37
Westfield	$449	$37
Erie	$461	$38
American National P&C	$467	$39
Travelers	$474	$40
Travelers	$480	$40
American National P&C	$488	$41
GEICO	$510	$42
Cincinnati Insurance	$519	$43
Nationwide	$542	$45
GEICO	$544	$45
GEICO	$624	$52
Nationwide	$628	$52
Allstate	$640	$53
Allstate	$648	$54
Allstate	$689	$57
Auto-Owners Insurance Co	$692	$58
Farmers	$732	$61
Chubb	$733	$61
Auto-Owners Insurance Co	$736	$61
Tennessee Farm Bureau	$746	$62
Grange Insurance	$755	$63
Farmers	$774	$65
Grange Insurance	$810	$67
Cincinnati Insurance	$823	$69
Erie	$851	$71
Erie	$851	$71
Tennessee Farm Bureau	$860	$72
State Farm	$903	$75
Grange Insurance	$927	$77
Travelers	$928	$77
Nationwide	$934	$78
Travelers	$939	$78
Farmers	$945	$79
Chubb	$951	$79
Westfield	$955	$80
Westfield	$966	$81
Nationwide	$984	$82
Cincinnati Insurance	$1,004	$84
State Farm	$1,015	$85
Auto-Owners Insurance Co	$1,053	$88
Progressive	$1,055	$88
American National P&C	$1,063	$89
American National P&C	$1,069	$89
Chubb	$1,073	$89
Travelers	$1,099	$92
Allstate	$1,135	$95
Erie	$1,144	$95
Progressive	$1,175	$98
GEICO	$1,180	$98
Tennessee Farm Bureau	$1,184	$99
Allstate	$1,194	$99
Nationwide	$1,225	$102
Westfield	$1,226	$102
GEICO	$1,226	$102
Allstate	$1,228	$102
State Farm	$1,278	$107
Cincinnati Insurance	$1,279	$107
American National P&C	$1,362	$113
Progressive	$1,535	$128
GEICO	$1,545	$129
Chubb	$1,572	$131

Many insurers offer seniors discounts on their car insurance premiums. You can get the best rates for your profile and specific needs by comparing quotes from multiple insurers to get the most affordable options.

Cheapest Car Insurance for Higher Risk Drivers (September 2023)

State Farm offers the most affordable car insurance rates for drivers with a DUI on their records, while Tennessee Farm Bureau is the cheapest for drivers with a ticket and an at-fault accident violation.

CHEAPEST CAR INSURANCE COMPANIES FOR HIGHER RISK DRIVERS

Cheapest after a ticket: Tennessee Farm Bureau ($860 per year)
Cheapest after an accident: Tennessee Farm Bureau ($860 per year)
Cheapest after a DUI: State Farm ($1,089 per year)
Cheapest for poor credit: Tennessee Farm Bureau ($994 per year)
Cheapest for sports cars: Farmers ($754 per year)

Cheapest Car Insurance in Tennessee After a Ticket

MoneyGeek found that the cheapest car insurance companies for Tennessee drivers with a ticket are:

Tennessee Farm Bureau: $860 per year
Erie: $888 per year

Progressive is the most expensive insurer for drivers with a ticket at $1,535 per year.

On average, full coverage car insurance in Tennessee costs up to $202 more if you have a speeding ticket than if you are a driver with a clean record.

Age Range

Coverage Level

Company	Annual Premium	Monthly Premium
Tennessee Farm Bureau	$264	$22
Tennessee Farm Bureau	$276	$23
Erie	$358	$30
Erie	$359	$30
Auto-Owners Insurance Co	$370	$31
Tennessee Farm Bureau	$370	$31
Auto-Owners Insurance Co	$373	$31
State Farm	$377	$31
State Farm	$401	$33
Farmers	$422	$35
Cincinnati Insurance	$423	$35
Westfield	$458	$38
Progressive	$460	$38
Chubb	$466	$39
Farmers	$474	$39
Erie	$480	$40
Grange Insurance	$482	$40
State Farm	$488	$41
Grange Insurance	$490	$41
Progressive	$493	$41
American National P&C	$493	$41
Cincinnati Insurance	$494	$41
Farmers	$499	$42
Westfield	$506	$42
Chubb	$506	$42
Auto-Owners Insurance Co	$534	$44
Grange Insurance	$537	$45
Westfield	$539	$45
Progressive	$547	$46
GEICO	$549	$46
Travelers	$566	$47
American National P&C	$567	$47
Travelers	$590	$49
American National P&C	$592	$49
Nationwide	$600	$50
GEICO	$603	$50
Nationwide	$615	$51
Cincinnati Insurance	$619	$52
Travelers	$670	$56
GEICO	$673	$56
Nationwide	$687	$57
Allstate	$693	$58
Allstate	$701	$58
Tennessee Farm Bureau	$746	$62
Allstate	$748	$62
Chubb	$839	$70
Tennessee Farm Bureau	$860	$72
Erie	$881	$73
Erie	$888	$74
Cincinnati Insurance	$975	$81
State Farm	$986	$82
Farmers	$998	$83
Auto-Owners Insurance Co	$998	$83
Farmers	$1,014	$85
Auto-Owners Insurance Co	$1,055	$88
Chubb	$1,080	$90
State Farm	$1,089	$91
Nationwide	$1,111	$93
Grange Insurance	$1,130	$94
Westfield	$1,145	$95
Westfield	$1,159	$97
Farmers	$1,171	$98
Erie	$1,183	$99
Tennessee Farm Bureau	$1,184	$99
Nationwide	$1,204	$100
Cincinnati Insurance	$1,210	$101
Chubb	$1,219	$102
American National P&C	$1,231	$103
American National P&C	$1,235	$103
Grange Insurance	$1,244	$104
Allstate	$1,257	$105
Travelers	$1,309	$109
Allstate	$1,329	$111
GEICO	$1,353	$113
Allstate	$1,364	$114
GEICO	$1,383	$115
Grange Insurance	$1,384	$115
State Farm	$1,396	$116
Nationwide	$1,401	$117
Travelers	$1,406	$117
Travelers	$1,436	$120
Westfield	$1,470	$123
Cincinnati Insurance	$1,518	$127
Auto-Owners Insurance Co	$1,521	$127
Progressive	$1,535	$128
Progressive	$1,544	$129
American National P&C	$1,554	$130
GEICO	$1,707	$142
Chubb	$1,799	$150
Progressive	$1,925	$160

Cheapest Car Insurance in Tennessee After an Accident

MoneyGeek analyzed the cheapest auto insurance companies in Tennessee after an at-fault accident and found that the cheapest companies are:

Tennessee Farm Bureau: $860 per year
Grange Insurance: $1,110 per year

Cincinnati Insurance has the most expensive rates for a full coverage policy after a DUI at an average of $2,126 per year.

Car insurance rates in Tennessee increase by up to $485 per year if you have an at-fault accident on your driving record.

Age Range

Coverage Level

Company	Annual Premium	Monthly Premium
Tennessee Farm Bureau	$264	$22
Tennessee Farm Bureau	$276	$23
Tennessee Farm Bureau	$370	$31
State Farm	$415	$35
Grange Insurance	$440	$37
State Farm	$441	$37
Grange Insurance	$450	$38
Erie	$471	$39
Erie	$471	$39
Auto-Owners Insurance Co	$479	$40
Auto-Owners Insurance Co	$483	$40
Farmers	$513	$43
Grange Insurance	$520	$43
State Farm	$537	$45
Farmers	$569	$47
American National P&C	$587	$49
Farmers	$592	$49
Travelers	$595	$50
Travelers	$622	$52
Erie	$627	$52
Progressive	$637	$53
Westfield	$658	$55
American National P&C	$674	$56
Auto-Owners Insurance Co	$693	$58
Westfield	$698	$58
Chubb	$699	$58
American National P&C	$704	$59
Progressive	$705	$59
Travelers	$708	$59
Nationwide	$724	$60
Westfield	$725	$60
Progressive	$738	$61
Nationwide	$742	$62
Tennessee Farm Bureau	$746	$62
Cincinnati Insurance	$757	$63
Chubb	$761	$63
GEICO	$767	$64
Allstate	$785	$65
Allstate	$796	$66
Nationwide	$836	$70
Allstate	$856	$71
Tennessee Farm Bureau	$860	$72
GEICO	$865	$72
Cincinnati Insurance	$898	$75
GEICO	$952	$79
State Farm	$1,070	$89
Cincinnati Insurance	$1,108	$92
Grange Insurance	$1,110	$92
Erie	$1,111	$93
Erie	$1,111	$93
Grange Insurance	$1,127	$94
Farmers	$1,137	$95
Farmers	$1,141	$95
Grange Insurance	$1,150	$96
State Farm	$1,178	$98
Tennessee Farm Bureau	$1,184	$99
Auto-Owners Insurance Co	$1,246	$104
Chubb	$1,290	$107
Farmers	$1,300	$108
Auto-Owners Insurance Co	$1,306	$109
American National P&C	$1,347	$112
American National P&C	$1,359	$113
Travelers	$1,362	$113
Allstate	$1,465	$122
Nationwide	$1,467	$122
Travelers	$1,470	$123
Westfield	$1,474	$123
Erie	$1,479	$123
Westfield	$1,487	$124
Travelers	$1,495	$125
State Farm	$1,514	$126
Allstate	$1,558	$130
Nationwide	$1,588	$132
Allstate	$1,592	$133
Chubb	$1,615	$135
American National P&C	$1,689	$141
Cincinnati Insurance	$1,706	$142
Westfield	$1,745	$145
Chubb	$1,837	$153
Nationwide	$1,843	$154
Auto-Owners Insurance Co	$1,897	$158
GEICO	$1,910	$159
GEICO	$1,974	$164
Progressive	$2,053	$171
Cincinnati Insurance	$2,126	$177
Progressive	$2,135	$178
GEICO	$2,398	$200
Progressive	$2,517	$210
Cincinnati Insurance	$2,660	$222
Chubb	$2,754	$229

Cheapest Car Insurance in Tennessee After a DUI

MoneyGeek found that the cheapest auto insurance companies in Tennessee after a DUI are:

State Farm: $1,089 per year
Farmers: $1,091 per year

Chubb is the least affordable option for a full coverage policy after a DUI at $4,312 per year.

After a DUI in Tennessee, you will pay up to $856 more per year for car insurance compared with those with a clean record.

Age Range

Coverage Level

Company	Annual Premium	Monthly Premium
State Farm	$377	$31
Progressive	$388	$32
State Farm	$401	$33
Progressive	$410	$34
Tennessee Farm Bureau	$413	$34
Tennessee Farm Bureau	$433	$36
Progressive	$477	$40
Farmers	$487	$41
State Farm	$488	$41
Farmers	$549	$46
Grange Insurance	$557	$46
Farmers	$564	$47
Grange Insurance	$567	$47
Erie	$580	$48
Erie	$583	$49
Tennessee Farm Bureau	$584	$49
Grange Insurance	$623	$52
Travelers	$658	$55
American National P&C	$666	$56
Travelers	$688	$57
Auto-Owners Insurance Co	$724	$60
Auto-Owners Insurance Co	$729	$61
American National P&C	$765	$64
Erie	$774	$65
Travelers	$786	$65
Allstate	$800	$67
American National P&C	$800	$67
Allstate	$811	$68
Cincinnati Insurance	$814	$68
Nationwide	$842	$70
Nationwide	$860	$72
Allstate	$873	$73
GEICO	$951	$79
Nationwide	$955	$80
Cincinnati Insurance	$961	$80
State Farm	$986	$82
GEICO	$1,042	$87
Auto-Owners Insurance Co	$1,045	$87
Farmers	$1,087	$91
State Farm	$1,089	$91
Farmers	$1,091	$91
GEICO	$1,093	$91
Tennessee Farm Bureau	$1,185	$99
Cincinnati Insurance	$1,195	$100
Farmers	$1,248	$104
Westfield	$1,293	$108
Progressive	$1,307	$109
Progressive	$1,315	$110
Grange Insurance	$1,330	$111
Westfield	$1,333	$111
Erie	$1,334	$111
Erie	$1,338	$112
Westfield	$1,361	$113
Tennessee Farm Bureau	$1,367	$114
State Farm	$1,396	$116
American National P&C	$1,441	$120
Grange Insurance	$1,465	$122
American National P&C	$1,467	$122
Travelers	$1,502	$125
Allstate	$1,509	$126
Allstate	$1,609	$134
Travelers	$1,627	$136
Grange Insurance	$1,632	$136
Chubb	$1,632	$136
Allstate	$1,643	$137
Travelers	$1,646	$137
Progressive	$1,699	$142
Erie	$1,779	$148
Chubb	$1,787	$149
Auto-Owners Insurance Co	$1,801	$150
American National P&C	$1,802	$150
Nationwide	$1,823	$152
Auto-Owners Insurance Co	$1,867	$156
Tennessee Farm Bureau	$1,886	$157
Cincinnati Insurance	$1,887	$157
Nationwide	$1,944	$162
GEICO	$2,176	$181
Nationwide	$2,200	$183
GEICO	$2,344	$195
Cincinnati Insurance	$2,347	$196
GEICO	$2,550	$213
Westfield	$2,672	$223
Westfield	$2,684	$224
Auto-Owners Insurance Co	$2,735	$228
Westfield	$2,943	$245
Cincinnati Insurance	$2,946	$246
Chubb	$3,093	$258
Chubb	$3,763	$314
Chubb	$4,312	$359
Chubb	$6,580	$548

Cheapest Car Insurance in Tennessee for Drivers With Poor Credit (September 2023)

The most affordable auto insurance companies in Tennessee for drivers with poor credit ratings (below 580) are:

Tennessee Farm Bureau: $994 per year
Grange Insurance: $1,049 per year

State Farm is the most expensive car insurance option for drivers with poor credit at $3,187 per year on average.

If you have poor credit, you will pay an average of $727 more for full coverage car insurance in Tennessee than drivers with good credit (above 750).

Age Range

Coverage Level

Company	Annual Premium	Monthly Premium
Grange Insurance	$1,177	$98
Tennessee Farm Bureau	$1,369	$114
Farmers	$1,441	$120
Nationwide	$1,542	$129
Travelers	$1,828	$152
Allstate	$1,896	$158
American National P&C	$2,083	$174
Cincinnati Insurance	$2,094	$175
Westfield	$2,220	$185
GEICO	$2,373	$198
Erie	$2,541	$212
Progressive	$2,569	$214
Chubb	$2,754	$229
Auto-Owners Insurance Co	$2,793	$233
State Farm	$4,077	$340
Tennessee Farm Bureau	$427	$36
Grange Insurance	$453	$38
Farmers	$605	$50
Progressive	$670	$56
Nationwide	$713	$59
American National P&C	$747	$62
Travelers	$777	$65
Westfield	$839	$70
Allstate	$864	$72
Cincinnati Insurance	$877	$73
GEICO	$916	$76
Erie	$945	$79
Auto-Owners Insurance Co	$1,046	$87
Chubb	$1,290	$107
State Farm	$1,401	$117
Tennessee Farm Bureau	$994	$83
Grange Insurance	$1,049	$87
Farmers	$1,200	$100
Nationwide	$1,264	$105
Travelers	$1,558	$130
American National P&C	$1,629	$136
Cincinnati Insurance	$1,676	$140
Allstate	$1,730	$144
Westfield	$1,761	$147
GEICO	$1,800	$150
Chubb	$1,837	$153
Erie	$1,906	$159
Auto-Owners Insurance Co	$1,951	$163
Progressive	$1,963	$164
State Farm	$3,187	$266
Tennessee Farm Bureau	$317	$26
Grange Insurance	$417	$35
Farmers	$491	$41
Progressive	$543	$45
Nationwide	$612	$51
American National P&C	$622	$52
Travelers	$699	$58
Erie	$706	$59
Cincinnati Insurance	$708	$59
Westfield	$713	$59
GEICO	$714	$60
Auto-Owners Insurance Co	$725	$60
Chubb	$761	$63
Allstate	$852	$71
State Farm	$1,150	$96
Tennessee Farm Bureau	$862	$72
Grange Insurance	$945	$79
Farmers	$1,121	$93
Nationwide	$1,131	$94
Cincinnati Insurance	$1,350	$113
Travelers	$1,601	$133
Chubb	$1,615	$135
American National P&C	$1,634	$136
Westfield	$1,743	$145
Progressive	$1,759	$147
GEICO	$1,796	$150
Allstate	$1,832	$153
Auto-Owners Insurance Co	$1,838	$153
Erie	$1,892	$158
State Farm	$2,879	$240
Tennessee Farm Bureau	$303	$25
Grange Insurance	$415	$35
Progressive	$502	$42
Farmers	$516	$43
Nationwide	$593	$49
Cincinnati Insurance	$601	$50
Chubb	$699	$58
Erie	$703	$59
American National P&C	$714	$60
Auto-Owners Insurance Co	$730	$61
Travelers	$766	$64
Westfield	$787	$66
GEICO	$789	$66
Allstate	$935	$78
State Farm	$1,083	$90

Drivers with poor credit are more likely to file claims, so some insurers charge them higher rates. This practice is illegal in some states, but Tennessee law allows it.

You can get better car insurance rates by improving your credit score over time. In the short term, you can save on costs by comparing quotes from different insurers and taking advantage of common discounts like bundling and multiple car discounts.

Cheapest Car Insurance in Tennessee for Sports Cars (September 2023)

If you have a sports car in Tennessee, the most affordable car insurance companies are:

Farmers: $754 per year
Auto-Owners: $755 per year

Progressive has the highest car insurance rates for a sports car at an average of $1,509 per year.

Sports cars are more costly to insure in Tennessee — up to $175 more per year than a Toyota Camry.

Age Range

Coverage Level

Company	Annual Premium	Monthly Premium
Auto-Owners Insurance Co	$263	$22
Tennessee Farm Bureau	$264	$22
Auto-Owners Insurance Co	$264	$22
Tennessee Farm Bureau	$276	$23
Grange Insurance	$316	$26
Progressive	$322	$27
Grange Insurance	$324	$27
Farmers	$338	$28
State Farm	$339	$28
Erie	$340	$28
Erie	$342	$29
Progressive	$346	$29
Cincinnati Insurance	$354	$30
Farmers	$359	$30
Grange Insurance	$361	$30
State Farm	$361	$30
Tennessee Farm Bureau	$370	$31
Auto-Owners Insurance Co	$380	$32
Westfield	$381	$32
American National P&C	$401	$33
Cincinnati Insurance	$406	$34
Chubb	$411	$34
Westfield	$421	$35
Farmers	$422	$35
Travelers	$423	$35
Progressive	$429	$36
Nationwide	$432	$36
State Farm	$439	$37
Chubb	$444	$37
Westfield	$449	$37
Erie	$461	$38
American National P&C	$467	$39
Travelers	$474	$40
Travelers	$480	$40
American National P&C	$488	$41
GEICO	$510	$42
Cincinnati Insurance	$519	$43
Nationwide	$542	$45
GEICO	$544	$45
GEICO	$624	$52
Nationwide	$628	$52
Allstate	$640	$53
Allstate	$648	$54
Farmers	$684	$57
Allstate	$689	$57
Auto-Owners Insurance Co	$711	$59
Chubb	$733	$61
Farmers	$754	$63
Auto-Owners Insurance Co	$755	$63
Farmers	$901	$75
Travelers	$915	$76
Travelers	$926	$77
Auto-Owners Insurance Co	$1,084	$90
Travelers	$1,091	$91
Chubb	$1,110	$92
Nationwide	$1,119	$93
State Farm	$1,129	$94
Allstate	$1,177	$98
Allstate	$1,219	$102
Progressive	$1,242	$103
Nationwide	$1,244	$104
State Farm	$1,247	$104
Chubb	$1,257	$105
Allstate	$1,291	$108
GEICO	$1,385	$115
GEICO	$1,464	$122
Nationwide	$1,494	$125
Progressive	$1,509	$126
State Farm	$1,617	$135
Chubb	$1,844	$154
GEICO	$1,923	$160
Progressive	$2,071	$173

MoneyGeek used a Ford Mustang as its sample sports car in this study, but costs may differ depending on your particular car model.

It is generally more expensive to insure sports, electric and luxury cars; otherwise, model may not be a significant factor. However, this may not be true for all states.

Cheapest Car Insurance in Tennessee for Military Drivers (September 2023)

USAA offers affordable policies for military personnel at $649 per year. It has unique coverage benefits and discounts. USAA is available in all states, but only drivers with a military background are eligible.

MoneyGeek Top Pick

USAA

$649 per year

USAA provides bundling, good student, multiple car and safe driving discounts to its policyholders in Tennessee.

Cheapest Car Insurance in Tennessee by City

Car insurance costs can vary widely depending on where you live in Tennessee. Some cities may have a high incidence of traffic accidents, car thefts or other risk factors, making them more expensive for car insurance.

For instance, in Knoxville, a full coverage policy from the cheapest provider, Farmers, costs $737 per year. In Memphis, a full coverage policy from Auto-Owners costs $962 per year.

City	Cheapest Company	Annual Premium
Chattanooga	Auto-Owners Insurance Co	$771
Clarksville	Farmers	$745
Knoxville	Farmers	$737
Memphis	Auto-Owners Insurance Co	$962
Murfreesboro	Auto-Owners Insurance Co	$777
Nashville-Davidson	Auto-Owners Insurance Co	$821

Car Insurance in Tennessee: What You Need to Know

Tennessee car insurance laws require all drivers to carry bodily injury liability and property damage liability coverage. Most states require these coverages.

Tennessee Car Insurance Requirements

In Tennessee, by law, you only need a state minimum policy with bodily injury liability and property damage coverage. This type of policy is affordable but offers limited protection in case of an accident.

Moneygeek recommends buying as much liability coverage as you can afford to ensure you are fully protected. You may also require additional coverage if you have severe violations like DUIs since Tennessee requires SR-22 insurance.

Bodily Injury Liability
Tennessee insurance laws require that drivers carry a minimum coverage of $25,000 bodily injury liability per person and $50,000 per accident. Bodily injury coverage covers the cost of any injuries suffered by a third party when you cause an accident. Your insurance company will only cover injuries to others up to the maximum limit specified. Any additional costs will have to be paid for out of pocket.
Property Damage Liability
In Tennessee, you must carry $15,000 in property damage liability coverage per accident. This coverage pays for damages to other people’s property when you cause an accident. Damages to your car are not included.

MoneyGeek recommends getting liability limits of $100,000 for bodily injury per person, $300,000 for bodily injury per accident and $100,000 for property damage per accident. This will ensure you have sufficient coverage.

You may need to purchase comprehensive and collision insurance if you are financing your car. This coverage will pay for any damages to your car resulting from collisions and off-road incidents like vandalism or theft.

You should also consider purchasing full coverage insurance if you drive a valuable car, even if it is not required.

Car Insurance Alternatives in Tennessee

There are generally no car insurance alternatives in Tennessee for individuals, but if you have more than 25 vehicles registered under your name, you can apply for self-insurance. In this case, you must post a $60,000 security bond with the DMV for each car. However, if damages from an accident exceed the security, you are liable for the additional costs.

All drivers in Tennessee must carry the state minimum liability insurance for bodily injury and property damage liability. However, you have the option to increase your liability limits for added protection or purchase full coverage car insurance.

FAQs About Car Insurance in Tennessee

If you are shopping for car insurance in Tennessee and need to learn more about costs and quality, we answered frequently asked questions below.

Expert Advice on Finding Cheap Car Insurance in Tennessee

To help you find credible and accurate insight on car insurance in Tennessee, MoneyGeek received expert advice from trusted professionals. The perspectives and opinions expressed are those of the individual contributor.

What are the key factors drivers in Tennessee should look for when searching for the best auto insurance coverage?
What steps can drivers in Tennessee take to find affordable car insurance?
How do regulations and rules in Tennessee impact insurance pricing and how consumers might shop for coverage?

Hank Bahr

Adjunct Lecturer at Haslam College of Business at The University of Tennessee, Knoxville

Joshua Smith, PhD

Assistant Professor of Economics at Trevecca Nazarene University

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

sources

Justia. "Tennessee Code: Motor and Other Vehicles." Accessed December 14, 2022.

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The Cheapest Car Insurance in Tennessee (September 2023)

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On This Page:

Cheapest Minimum Liability Car Insurance in Tennessee (September 2023)

Compare Insurance Rates

Cheapest Full Coverage Car Insurance in Tennessee (September 2023)

How to Compare Cheap Tennessee Car Insurance Quotes Online

Cheapest Car Insurance in Tennessee by Age (September 2023)

Cheapest Car Insurance in Tennessee for Teens and Their Families (September 2023)

Cheapest Car Insurance in Tennessee for Young Adults (September 2023)

Cheapest Car Insurance in Tennessee for Seniors (September 2023)

Cheapest Car Insurance for Higher Risk Drivers (September 2023)

Cheapest Car Insurance in Tennessee After a Ticket

Cheapest Car Insurance in Tennessee After an Accident

Cheapest Car Insurance in Tennessee After a DUI

Cheapest Car Insurance in Tennessee for Drivers With Poor Credit (September 2023)

Cheapest Car Insurance in Tennessee for Sports Cars (September 2023)

Cheapest Car Insurance in Tennessee for Military Drivers (September 2023)

Cheapest Car Insurance in Tennessee by City

Car Insurance in Tennessee: What You Need to Know

Tennessee Car Insurance Requirements

Car Insurance Alternatives in Tennessee

FAQs About Car Insurance in Tennessee

Expert Advice on Finding Cheap Car Insurance in Tennessee

sources