Car Insurance in Tennessee: How to Find the Policy That Fits You

MoneyGeek provides diverse solutions for drivers with different backgrounds and coverage needs within Tennessee.

Find the Best or Cheapest Car Insurance in Tennessee

MoneyGeek evaluated the best car insurance companies in Tennessee that balance affordability with service quality. Our research can help you find the most affordable policy for your needs.

For drivers looking to compare the overall rates in the state, MoneyGeek determined average costs across factors like driving record, age and more.

Using MoneyGeek’s resources above will help you determine the cheapest and best car insurance in Tennessee for certain driving profiles. The table below summarizes the information. It is important to note that, unless otherwise stated, all the policies are full coverage policies.

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THE CHEAPEST CAR INSURANCE COMPANIES IN TENNESSEE
  • Minimum liability: GEICO
  • Full coverage: GEICO
  • Drivers with a DUI: State Farm
  • After an accident: USAA
  • Drivers with a ticket: GEICO
  • Drivers with bad credit: GEICO
  • Senior drivers: State Farm
  • Student drivers: Progressive
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THE BEST CAR INSURANCE COMPANIES IN TENNESSEE
  • Overall: Erie
  • Customer service: Erie
  • Budget: Erie
  • Poor driving record: Erie
  • Military: USAA
  • Young drivers: GEICO
  • New cars: Erie
  • Low-milage drivers: Nationwide

Get a Tennessee Car Insurance Quote

Based on the insurance provider you purchase your car insurance policy from, you may save up to $689 annually on your premiums. While choosing the best policy for your needs, you should take the time to compare prices across various insurers. Doing this won’t take a lot of time.

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Car Insurance Laws in Tennessee

MoneyGeek’s guide helps you understand car insurance laws and requirements in Tennessee. If you purchase the state minimum insurance, it must meet the following liability coverage requirements:

  • $25,000 bodily injury liability insurance per person
  • $50,000 bodily injury liability insurance per accident
  • $15,000 property damage coverage per accident

The minimum coverage only meets the state’s car insurance requirements. It does not include comprehensive and collision insurance and may not provide adequate protection in an accident. That means the coverage amount you need may be higher than these limits.

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ARE THERE DIFFERENT LAWS FOR HIGH-RISK DRIVERS IN TENNESSEE?

If you have a traffic violation such as a DUI, you will need to file an SR-22 in Tennessee as proof of insurance. MoneyGeek’s analysis includes the average rates for filing an SR-22 in Tennessee. Using the analysis will also help you determine how to file the form with your insurance provider.

Specialty Car Insurance in Tennessee

Traditional car insurance may not be the best option for all Tennessee drivers. MoneyGeek evaluated the best alternative car insurance types in the state to help you find the best policy for your needs. The alternatives to traditional car insurance include temporary, low-income and non-owner insurance. Additional details about these options are listed below.

MoneyGeek Specialty Car Insurance Resources

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Non-owner car insurance

You need to purchase non-owner car insurance in Tennessee if you use borrowed or rented cars frequently and need proof of insurance

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Temporary car insurance

If you need coverage for a few months, you can get temporary car insurance in Tennessee by purchasing traditional insurance and canceling it early or getting rental car insurance.

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Car insurance for low-income drivers

While the state doesn’t provide car insurance assistance programs to drivers, MoneyGeek evaluated low-income car insurance in Tennessee to ensure that you find the cheapest rates within the state.

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.