In our analysis, Tennessee Farm Bureau stands out as the most affordable option for high-risk car insurance across several categories. It's the cheapest for senior drivers, those with speeding tickets, accidents, bad credit and driving violations. Westfield offers the best rates for young drivers, while Progressive is the top choice for drivers with a DUI.
High-Risk Car Insurance TN
Updated: May 20, 2025
Advertising & Editorial Disclosure
Key Takeaways
Travelers, Tennessee Farm Bureau and Grange Insurance are the most affordable options for high-risk drivers, offering competitive rates for both minimum and full coverage.
For high-risk drivers in Tennessee, the lowest annual car insurance rate is $479, while the highest can reach up to $4,691.
To secure the best deal on high-risk car insurance, find the coverage you need, research average costs and discounts, and compare multiple providers.
Cheapest Car Insurance for High-Risk Drivers in TN
| Westfield | Young Drivers | $34 |
| Tennessee Farm Bureau | Senior Drivers | $27 |
| Tennessee Farm Bureau | Drivers With a Speeding Ticket | $28 |
| Tennessee Farm Bureau | Drivers With an Accident | $28 |
| Progressive | Drivers With a DUI | $39 |
| Tennessee Farm Bureau | Drivers With Bad Credit | $32 |
| Tennessee Farm Bureau | Drivers With Bad Credit And Driving Violations | $32 |
*Rates shown are for minimum car insurance policies modifying a base profile of a 40-year-old driver with good credit and no driving violations.
Compare Cheap TN High-Risk Car Insurance Providers
While our above table shows the cheapest companies for high-risk insurance, it doesn't cover every unique driver profile. Below, we've provided a table to compare rates from top providers for your specific needs. This helps you find affordable options tailored just for you.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Accident $1000-$1999 Prop Dmg
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Credit Score:Good
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Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
| Travelers | $111 | $1,338 |
| Tennessee Farm Bureau | $112 | $1,339 |
| Grange Insurance | $121 | $1,451 |
| Farmers | $128 | $1,531 |
| State Farm | $147 | $1,767 |
How Much is High-Risk Car Insurance in TN?
Overall, high-risk car insurance costs in Tennessee can range anywhere from $40 to $391 monthly, depending on your unique combination of pricing factors. Below, you can compare average pricing for your profile by filtering the table.
Data filtered by:Results filtered by:
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Age Range:22-29
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Driving Record:Clean
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Credit:Good
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Coverage Level:State Minimum Liability Only
| $49 | $585 | $0 | $0 | 0% |
HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?
If you've had a driving violation in Tennessee, you might be wondering how long it will increase your car insurance rates. Major violations, like DUIs or reckless driving, can impact your rates for up to 10 years.
For smaller violations, like a speeding ticket, you're looking at about three to five years of paying more for your coverage. Your insurance company determines the exact timeframe, and its policies can vary.
Tennessee High-Risk Car Insurance: Buyer's Guide
High-risk drivers often face challenges in finding car insurance. Our guide helps you understand why insurers may see you as high-risk, find affordable providers, and know what steps to take if you're denied coverage.
What Is Considered a High-Risk Driver?
The following is a list of various types of drivers that are considered high-risk to auto insurance companies:
- Drivers with a history of traffic violations or at-fault accidents
- Drivers with a DUI conviction
- Drivers caught driving with a suspended or revoked license
- Young drivers with a lack of driving experience
- Senior drivers over 60
- Drivers who drive sports cars or participate in drag racing
- Drivers with bad credit or lapses in insurance coverage
Tips To Find the Best High-Risk Car Insurance in TN
Below, discover tips to save money and find the best high-risk car insurance provider in the Volunteer State.
- 1
Decide What Coverage You Need
To avoid being influenced by popular opinion or pushy agents, it's best to determine the coverage you need before comparing insurers. Consider any add-ons like rideshare coverage or roadside assistance. You can use our car insurance coverage calculator to find out how much auto insurance you need.
- 2
Research Average Costs and Discounts
Understanding average costs for your profile and the discounts available helps you identify good deals when comparing providers. Consider enrolling in a state-certified defensive driving course to save up to 10% on your premiums, since such courses can help reduce your rates.
- 3
Consider Non-Traditional Coverage Options
Exploring options like pay-per-mile car insurance and usage-based programs can lead to savings for safe driving and low mileage. For example, some providers offer telematics programs that track driving habits, potentially saving you up to 30% on your auto policy. These innovative options might be ideal for low-income drivers.
- 4
Compare Multiple Providers
After reviewing your options, compare rates from at least three providers to understand the market. Utilize independent brokers and online comparison sites for varied perspectives. Ensure you're comparing similar coverage types so you can accurately assess how each insurer stacks up against the others.
What To Do if You Get Denied Coverage in Tennessee
Car insurance companies can choose not to offer you a policy if they find you too risky. However, you can still get coverage through a residual market plan with the Automobile Insurance Plan Service Office (AIPSO).
Below, we've provided contact information if you want to start the process.
Office Hours
Monday–Friday, 8:00 a.m.–4:00 p.m. CT
southeast@aipso.com
Phone
(800) 301-6477
Fax
(800) 677-7247
Mailing Address
P O Box 6530
Providence, RI 02940-6530
Car Insurance for High-Risk Drivers in TN: Bottom Line
Based on our research, the three cheapest companies for high-risk insurance in the Volunteer State are Travelers, Tennessee Farm Bureau, and Grange Insurance. While this is what we found, we recommend doing your own research to compare costs and find the best deal. If you're denied coverage, don't worry. There are programs available to help you get affordable insurance.
TN Car Insurance for High-Risk Drivers: FAQ
Below are answers to common questions about high-risk car insurance in Tennessee.
What is the cheapest high-risk car insurance provider in Tennessee?
The cheapest high-risk car insurance provider in Tennessee is Tennessee Farm Bureau. The most affordable rate is $28 for monthly high-risk coverage.
What do I do if I get denied for coverage?
If you're denied coverage, consult AIPSO for alternative insurance plans — it assists in securing affordable coverage in such situations.
How much more expensive is high-risk car insurance in Tennessee?
High-risk car insurance in Tennessee can be significantly more costly. For example, a DUI can raise full coverage rates by up to $2,510 (209%) and state minimum rates by approximately $1,036 (226%) annually compared to adults aged 30 to 50 with clean records.
How We Chose The Cheapest High-Risk Car Insurance in Tennessee
MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible.
Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.
All high-risk profiles are modifications based on our base profile of the following:
- 40-year-old driver
- 12,000 annual mileage
- Clean driving record
- Good credit
High-risk profiles considered for are young drivers, seniors, and those with bad credit or records of an accident, speeding ticket, or DUI.
We also considered combinations of all of these factors to get a comprehensive view and maintain accuracy and personalization with our recommendations.
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.