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 21, 2026
Advertising & Editorial Disclosure
Key Takeaways
Travelers, Tennessee Farm Bureau and Grange offer high-risk drivers the most affordable car insurance in Tennessee 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 rates 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:
22-29
Accident $1000-$1999 Prop Dmg
Good
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:
22-29
Clean
Good
State Minimum Liability Only
| $49 | $585 | $0 | $0 | 0% |
HOW LONG DO DRIVING VIOLATIONS AFFECT CAR INSURANCE RATES?
Driving violations in Tennessee raise car insurance rates for different lengths of time, depending on how serious the offense is. Major violations like DUIs or reckless driving can affect your rates for up to 10 years. Minor violations, like a speeding ticket, add three to five years of higher premiums. Your insurer sets the exact timeframe, and policies vary by company.
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, a DUI conviction or driving with a revoked license.
- Young drivers with a lack of driving experience and seniors over 60.
- Those who drive sports cars or participate in drag racing
- People with bad credit or lapses in car insurance coverage
Tips To Find the Best High-Risk Car Insurance in TN
- 1Decide What Coverage You Need
Decide on your coverage before comparing insurers, so you're not swayed by agents pushing extras you don't need. Think about add-ons like rideshare coverage or roadside assistance, and use our car insurance coverage calculator to confirm how much you need.
- 2Research Average Costs and Discounts
Knowing average costs for your profile and what discounts are available helps you spot a good deal when comparing providers. A state-certified defensive driving course can save up to 10% on your premiums and is worth looking into.
- 3Consider Non-Traditional Coverage Options
Pay-per-mile insurance and usage-based programs can lower costs for safe drivers and low-mileage drivers. Some providers offer telematics programs that track driving habits and can cut your premium by up to 30%. These options are especially worth considering for drivers on a tight budget.
- 4Compare Multiple Providers
Get quotes from at least three providers to understand the market. Use independent brokers or online comparison sites to see more options. Make sure you're comparing the same coverage types so the quotes are actually apples to apples.
What To Do if You Get Denied Coverage in Tennessee
Car insurance companies can turn down your application if they consider you too high a risk. If that happens, you can still get coverage through a residual market plan with the Automobile Insurance Plan Service Office (AIPSO).
Contact information to start the process is below.
Office Hours
Monday–Friday, 8:00 a.m.–4:00 p.m. CT
Email
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.