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Cheapest Car Insurance in Tennessee

Identifying the cheapest car insurance in Tennessee requires an in-depth understanding of the individualized factors and market dynamics influencing premiums. There are many options to compare and choose from. Read on to know more.
cheapest car insurance in Tennessee
Cheapest Car Insurance in Tennessee
This blog details options available for the cheapest car insurance in Tennessee. Thorough research and comparison can help you decide on an option that helps you stick to your financial plan.
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Want to get insurance for your car in Tennessee? Car insurance in Tennessee is a must as it helps drivers financially if they get into an accident or face unexpected events. As of January 2024, people in Tennessee pay around $1,262 a year for car insurance. This is about 17% cheaper than what many folks pay nationwide. Let’s deep dive into options for the cheapest car insurance in Tennessee.

This essential coverage extends beyond location-based rates, considering diverse factors such as age, driving history, and specific circumstances. Whether you’re a teen navigating the roads for the first time or a seasoned 70-year-old driver, understanding Tennessee’s varied and affordable insurance options is paramount. This guide aims to elucidate these choices, offering tailored insights for every demographic.

What is the cheapest car insurance in Tennessee?

Identifying the cheapest car insurance in Tennessee requires an in-depth understanding of the individualized factors and market dynamics influencing premiums. Based on recent analyses, we can pinpoint the following insights.

Factors Influencing Cheap Car Insurance in Tennessee:

  • Driving Record: A clean driving record significantly lowers premiums compared to one with multiple violations or accidents.
  • Age and Experience: Younger, inexperienced drivers typically face higher rates than older, seasoned drivers due to perceived higher risks.
  • Credit Score: Insurance companies have been known to use credit scores as a determinant; those with higher credit scores may receive lower premiums.
  • Vehicle Type: The vehicle’s make, model, and year can impact rates. Older, less expensive cars might be cheaper to insure than newer luxury vehicles.
  • Coverage Levels: Opting for state minimum coverage requirements will be cheaper than full coverage options that offer comprehensive protection.

Cheapest Car Insurance Companies in Tennessee:

  • Full Coverage: According to NerdWallet’s analysis, Penn National is the most affordable, with an average annual premium of $1,275 or $106 monthly.
  • Minimum Coverage: Progressive stands out with the most budget-friendly rates, offering an average of $274 per year for a 35-year-old driver with a clean record.

Average Costs:

  • Full Coverage: The average cost for full coverage in Tennessee is approximately $1,958 per year or about $163 per month.
  • Minimum Coverage: On average, you should pay around $467 per year for minimum coverage. However, as seen with Progressive, competitive rates can offer substantially lower premiums.

In essence, while Penn National and Progressive are currently the most affordable options based on recent data, securing cheap car insurance in Tennessee necessitates understanding personal factors, comparing multiple providers, and tailoring coverage to individual needs. Tennessee residents can confidently navigate the insurance landscape by prioritizing research and leveraging available resources, ensuring affordability and adequate protection.

Comparing car insurance quotes can help you zero in on the best deal that falls within your budget and provide the coverage you need in case of an accident. You can use Beem to find the best insurance quotes to help you make the right choice.

How we chose the cheapest insurance companies in Tennessee

Specialists analysis in Tennessee pinpointed the most affordable car insurance by meticulously studying rates from 23 auto insurers. Using a 2020 Toyota Camry L as our baseline, we assessed driver rates across age groups and driving histories. We segmented our findings into two categories: minimum and full coverage. We set specific coverage limits for the latter to ensure a consistent comparison.

Full Coverage Rates Defined:

  • Bodily Injury Liability: Coverage of $100,000 per individual ensures ample protection for medical expenses. At the same time, $300,000 per accident provides broader coverage for multiple injured parties.
  • Property Damage Liability: A limit of $50,000 per accident ensures coverage for damages caused to another person’s property.
  • Uninsured Motorist Coverage: The $100,000 per person and $300,000 per accident limits safeguard against expenses from accidents caused by uninsured drivers.
  • Deductibles: Collision and comprehensive coverages feature a $1,000 deductible, representing the out-of-pocket amount before insurance kicks in.

Cheap car insurance in Tennessee

In Tennessee’s bustling car insurance market, savvy drivers have the advantage of identifying notable savings. State Farm is leading the pack for full coverage, offering an enticing annual rate of $946, translating to a manageable $79 per month.

Farmers emerge as a beacon of affordability, consistently delivering competitive rates for those grappling with a less-than-perfect credit score.

Meanwhile, Auto-Owners Insurance steals the spotlight as the most economical choice when minimal coverage suffices.

Ultimately, with potential savings soaring up to $1,416 annually, Tennessee motorists are reminded of the rewarding outcomes that diligent comparison and research can yield in securing cost-effective and reliable car insurance.

Let’s make it more comfortable to approach cheap auto insurance in Tennessee with the help of this table:

RankInsurerAverage Quote
1State Farm$57 per month
2Geico$61 per month
3Erie$68 per month
4Tennessee Farmers$70 per month
5Auto-Owners$72 per month

Tennessee Rates for Teen Drivers

Driving the world of car insurance as a teen driver in Tennessee presents unique challenges, primarily due to the elevated rates associated with this demographic.

On average, 17-year-old female drivers face statewide annual premiums of $4,541, while their male counterparts encounter even steeper costs of $5,397 annually. Amidst these figures, Erie Insurance emerges as a beacon of affordability for young female drivers, offering a comparatively reasonable average annual rate of $2,569. Conversely, USAA takes the lead for male teen drivers by providing a more favorable rate of $3,147 annually.

However, male teens who don’t meet USAA’s criteria can pivot towards Erie, where they might secure coverage at an average yearly rate of $3,265.

On the contrary, Progressive stands out for all the wrong reasons, imposing the highest financial burden with staggering average annual premiums of $10,454 for females and an even more daunting $11,707 for male teen drivers. Here is the table of comparison of the rates with the given different rates by the companies:

Company17-Year-Old Female17-Year-Old Male
Allstate$7,298$7,950
Auto-Owners Insurance$2,937$3,860
Erie$2,569$3,265
Farmers$6,154$6,673
Geico$3,172$3,581

Cheapest for 20-year-old drivers

For 20-year-olds in Tennessee, finding affordable car insurance hinges on factors like credit history and driving records. Various insurers, including Progressive and Erie, offer competitive rates tailored to this age group’s needs.

Cheapest full coverage car insurance in Tennessee for 20-year-olds

In Tennessee, 20-year-olds seeking comprehensive coverage might consider Penn National at an annual rate of $2,643 or Erie at $2,703.

Cheapest minimum coverage car insurance in Tennessee for 20-year-olds

When aiming for minimal coverage, Progressive leads the pack with rates at just $519 annually, followed by Erie at $723.

Cheapest auto insurance in Tennessee for 20-year-olds with poor credit

Despite a less-than-perfect credit score, options like Progressive offer 20-year-olds rates as competitive as $797 annually, with Tennessee Farm Bureau close behind at $927.

Cheapest auto insurance in Tennessee for 20-year-olds with one speeding ticket

Even with a recent speeding ticket, 20-year-olds can find relief with Progressive at $599 annually. Tennessee Farm Bureau and Erie offer rates around $802 and $803, respectively.

Cheapest auto insurance in Tennessee for 20-year-olds with one at-fault crash

Facing an at-fault crash shouldn’t lead to sky-high rates. Progressive stands out with a rate of $612 annually, followed by Tennessee Farm Bureau and Travelers.

Cheapest auto insurance in Tennessee for 20-year-olds after a DUI

After a DUI, 20-year-olds can still find reasonable rates. Progressive offers an attractive option at $574 annually, with Travelers and Erie presenting additional affordable choices.

Cheapest for 30-year-old drivers

Turning 30 in Tennessee often marks a shift to more affordable car insurance rates. However, variables like driving history and the type of vehicle driven still play crucial roles. It’s pivotal to compare and identify the best rates.

Cheapest full coverage car insurance in Tennessee for 30-year-olds

30-year-olds seeking comprehensive coverage can find value with options like Penn National at $1,357 annually and Tennessee Farm Bureau at $1,407.

Cheapest minimum coverage car insurance in Tennessee for 30-year-olds

For those leaning towards minimal coverage, Progressive stands out at $287 yearly, followed by Auto-Owners at $293 and Tennessee Farm Bureau at $343.

Cheapest auto insurance in Tennessee for 30-year-olds with poor credit

Less-than-ideal credit doesn’t spell exorbitant rates for 30-year-olds; Tennessee Farm Bureau offers a competitive $1,627 annually, with Progressive at $2,631 and Westfield at $2,668.

Cheapest auto insurance in Tennessee for 30-year-olds with one speeding ticket

A single speeding ticket needn’t break the bank. Tennessee Farm Bureau leads with a modest $343 yearly rate, trailed by Progressive at $352 and Erie at $365.

Cheapest auto insurance in Tennessee for 30-year-olds with one at-fault crash

Despite a recent at-fault accident, Tennessee Farm Bureau remains budget-friendly at $1,407 annually, with Erie at $1,909 and Penn National at $1,929.

Cheapest auto insurance in Tennessee for 30-year-olds after a DUI

Post-DUI, Progressive offers a reasonable $1,848 annually for 30-year-olds, while Tennessee Farm Bureau and Erie present alternatives at $2,242 and $2,299, respectively.

Cheapest for 40-year-old drivers

Entering their 40s, Tennessee drivers often experience more favorable insurance rates than younger age brackets. However, optimizing savings requires comparing multiple quotes, especially for infrequent drivers considering pay-per-mile options.

Cheapest full coverage car insurance in Tennessee for 40-year-olds

For 40-year-olds with pristine driving records in Tennessee, Penn National offers a competitive rate of $1,214 annually, followed closely by Tennessee Farm Bureau at $1,266 and Erie at $1,283.

Cheapest minimum coverage car insurance in Tennessee for 40-year-olds

Those prioritizing minimal coverage can explore Progressive’s offering at $258 annually, with Auto-Owners at $288 and Erie at $309, making them attractive choices.

Cheapest auto insurance in Tennessee for 40-year-olds with poor credit

Even with less-than-perfect credit, 40-year-olds might find solace with the Tennessee Farm Bureau at $1,464 annually, while Progressive and Geico hover around $2,285 and $2,571, respectively.

Cheapest auto insurance in Tennessee for 40-year-olds with one speeding ticket

Post-speeding ticket, Tennessee Farm Bureau stands out with a rate of $316 annually. Progressive and Erie follow closely at $319 and $324, respectively, providing affordable alternatives.

Cheapest auto insurance in Tennessee for 40-year-olds with one at-fault crash

After an at-fault incident, the Tennessee Farm Bureau remains economical at $1,266 annually. Penn National and Erie trail at $1,721 and $1,727, showcasing competitive rates.

Cheapest auto insurance in Tennessee for 40-year-olds after a DUI

Despite a DUI, 40-year-olds might still secure reasonable rates, with Progressive leading at $1,610 yearly. Tennessee Farm Bureau and American National offer alternatives at $2,018 and $2,044, respectively.

Cheapest for 50-year-old drivers

Car insurance becomes more affordable for those hitting the half-century mark in Tennessee, reflecting increased driving experience. Nevertheless, rates can differ based on location and gender, underscoring the importance of comparative shopping.

Cheapest full coverage car insurance in Tennessee for 50-year-olds

Tennessee drivers in their 50s with impeccable records might find Penn National appealing at $1,103 annually. The Tennessee Farm Bureau also offers competitive rates at $1,147, and Erie follows closely at $1,181.

Cheapest minimum coverage car insurance in Tennessee for 50-year-olds

If you’re considering the bare minimum in Tennessee, Progressive stands out with a rate of $237 annually. Auto-Owners and Erie offer competitive alternatives at $269 and $284, respectively.

Cheapest auto insurance in Tennessee for 50-year-olds with poor credit

Even with a less-than-stellar credit score, Tennessee Farm Bureau provides an attractive option at $1,325 annually. Progressive and Westfield also present viable choices, hovering around the $2,044 and $2,427 marks, respectively.

Cheapest auto insurance in Tennessee for 50-year-olds with one speeding ticket

Following a speeding violation, Progressive and Tennessee Farm Bureau emerge as budget-friendly options, each at $295 annually. Erie trails closely at $299, making them worth considering.

Cheapest auto insurance in Tennessee for 50-year-olds with one at-fault crash

Post-accident, Tennessee Farm Bureau offers consistent affordability at $1,147 annually. Penn National and Erie present competitive rates at $1,562 and $1,570, respectively, highlighting their value.

Cheapest auto insurance in Tennessee for 50-year-olds after a DUI

Despite the complications of a DUI, Progressive offers a comparatively reasonable rate of $1,462 yearly. Tennessee Farm Bureau and Erie follow suit, presenting rates around $1,826 and $1,899, respectively.

cheapest car insurance in Tennessee

Cheapest for 60-year-old drivers

Entering the senior phase at 60, drivers can still enjoy relatively favorable car insurance rates in Tennessee. However, they must engage in comparison shopping and capitalize on senior-specific discounts.

Cheapest full coverage car insurance in Tennessee for 60-year-olds

For those seeking comprehensive coverage in Tennessee, the Tennessee Farm Bureau leads the way with an annual rate of $1,054. Erie and Penn National follow closely, offering competitive rates at $1,078 and $1,087, respectively.

Cheapest minimum coverage car insurance in Tennessee for 60-year-olds

If you’re leaning towards the minimum coverage required in Tennessee, Progressive is a cost-effective choice at just $234 annually. Auto-Owners and Erie also present viable options at $267 and $277, respectively.

Cheapest auto insurance in Tennessee for 60-year-olds with poor credit

Even with a less-than-perfect credit score, Tennessee Farm Bureau remains a top choice with an annual rate of $1,219. Progressive and American National also offer competitive rates, hovering around the $1,939 and $2,244 marks, respectively.

Cheapest auto insurance in Tennessee for 60-year-olds with one speeding ticket

After a speeding infraction, Tennessee Farm Bureau and Progressive stand out, each offering a rate of $287 annually. Erie closely follows at $292, providing drivers with reasonable alternatives.

Cheapest auto insurance in Tennessee for 60-year-olds with one at-fault crash

Following an at-fault crash, the Tennessee Farm Bureau remains a cost-effective choice at an annual rate of $1,054. Erie and Penn National offer competitive alternatives, with rates averaging around $1,481 and $1,545, respectively.

Cheapest auto insurance in Tennessee for 60-year-olds after a DUI

Despite the challenges of a DUI, Progressive provides a relatively affordable option at $1,394 annually. Tennessee Farm Bureau and American National also offer competitive rates, with figures hovering around $1,678 and $1,770, respectively.

Cheapest for 70-year-old drivers

As individuals reach their 70s, car insurance rates might increase. To secure the most affordable rates, it’s crucial for these drivers to actively compare quotes from various insurers and inquire about senior-specific discounts, such as those for completing defensive driving courses.

Cheapest full coverage car insurance in Tennessee for 70-year-olds

Tennessee Farm Bureau offers an appealing option at $1,146 annually for those seeking comprehensive coverage. Penn National and Erie also present competitive alternatives with rates of $1,168 and $1,254 per year, respectively.

Cheapest minimum coverage car insurance in Tennessee for 70-year-olds

If minimal coverage is the preference, Progressive emerges as a cost-effective choice at a yearly rate of $260. Erie and Tennessee Farm Bureau closely follow, providing economical options at $308 and $325 per annum, respectively.

Cheapest auto insurance in Tennessee for 70-year-olds with poor credit

Despite challenges, the Tennessee Farm Bureau remains a top contender with an annual rate of $1,326. Progressive and Geico also offer competitive rates around the $2,104 and $2,580 marks, respectively.

Cheapest auto insurance in Tennessee for 70-year-olds with one speeding ticket

Erie and Tennessee Farm Bureau stand out for those recently ticketed for speeding, each offering a rate of $324 annually. Progressive closely trails at $339, providing drivers with favorable alternatives.

Cheapest auto insurance in Tennessee for 70-year-olds with one at-fault crash:

Following an at-fault incident, the Tennessee Farm Bureau continues to shine with an annual rate of $1,146. Penn National and Erie offer competitive rates, averaging around $1,671 and $1,682, respectively.

Cheapest auto insurance in Tennessee for 70-year-olds after a DUI:

Despite the complications of a DUI, Progressive provides a relatively affordable option at $1,512 annually. Tennessee Farm Bureau and Erie also offer competitive rates, hovering around $1,826 and $2,061, respectively.

How Much Is Full Coverage Car Insurance in Tennessee?

In Tennessee, full coverage car insurance typically comes at an average annual rate of $1,339. USAA emerges as the most affordable option for high-coverage policies, offering rates as low as $886 per year.

Following closely is Auto-Owners Insurance, providing a competitive rate of $1,036 annually. Conversely, Allstate stands out with the highest average rate in this segment, commanding $1,888 per year. While higher levels of coverage indeed incur increased costs, they also furnish policyholders with enhanced protection against a broader range of potential risks on the road.

CompanyHigh Coverage
Allstate$1,888
Auto-Owners Insurance$1,036
Erie$1,192
Farmers$1,459
Geico$1,397

Average annual car insurance rates in Tennessee by company

The average annual car insurance rate in Tennessee is relatively affordable at $1,264, notably lower than the national average of $1,543. USAA leads the pack with the most economical rate in the state, averaging just $840 per year.

However, it’s crucial to note that USAA’s policies are exclusively tailored for military members, veterans, and their families, making them inaccessible to the broader population. Auto-Owners Insurance is the next best option for the general public, offering the second-lowest average rates at $999 annually.

This distinction underscores the importance of exploring various insurance providers to secure the most cost-effective coverage tailored to individual needs and eligibility criteria.

CompanyAverage Rate
Allstate$1,801
Auto-Owners Insurance$999
Erie$1,143
Farmers$1,366
Geico$1,278

How Much Is Liability-Only Coverage Car Insurance in Tennessee?

Several factors influence the cost of this coverage.

  • Cost Range: Liability-only car insurance in Tennessee typically ranges from $300 to $700 annually, contingent on various personal and vehicular factors.
  • Factors Affecting Cost: Age, driving record, and the chosen insurance provider significantly influence the cost of liability-only coverage.
  • Limited Protection: This policy explicitly covers damages to others, encompassing bodily injury and property damage, offering fundamental safeguarding.
  • Comparative Savings: Generally, opting for liability-only insurance proves more economical than selecting comprehensive coverage due to its restricted protection scope.
  • Recommendation: Choosing between liability-only and comprehensive coverage should factor in your vehicle’s worth and specific protection requirements.

Minimum car insurance requirements in Tennessee

Here are the minimum requirements for finding the cheapest car insurance in Tennessee

  • Tennessee Mandate: All Tennessee drivers must maintain liability car insurance as stipulated by state law to ensure coverage for any damages that occur in case of an accident.
  • Coverage Details: The mandated minimum liability limits include $25,000 for bodily injury per person and $50,000 for bodily injury per accident.
  • Property Damage: Tennessee requires a minimum of $15,000 in property damage liability coverage per accident to address damages to others’ property.
  • Potential Shortfall: In severe accidents, the state’s minimum coverage might fall short, potentially leading to out-of-pocket expenses for the driver at fault.
  • Enhanced Protection: Opting for coverage beyond the minimum requirements can safeguard against higher costs, offering more comprehensive financial protection.
  • Additional Coverages: Consider augmenting your policy with optional coverages for added security. Some options are collision, comprehensive, and uninsured motorist insurance.
  • Resourceful Guide: NerdWallet offers a comprehensive guide detailing Tennessee’s car insurance requirements and standard coverage options to help drivers make informed decisions.

Tips for How to Get Cheap Car Insurance in Tennessee

You can remember these tips to get the cheapest car insurance in Tennessee.

Compare Insurers

Obtain quotes from national giants like State Farm and Geico and local companies such as Erie Insurance and Farm Bureau Insurance of Tennessee. Local insurers offer competitive rates and satisfactory customer service.

Understand Factors

Recognize that multiple elements influence insurance costs in Tennessee. Factors like age, gender, credit history, marital status, driving habits, car model, and annual mileage can all impact your premiums.

Select Appropriate Coverage

While liability insurance is essential, assess if you need collision or comprehensive coverage, especially if your vehicle is older. Tailor your policy; usage-based insurance could be ideal for low-mileage drivers.

Consider Location Impact

Avoid relocating to zip codes with higher insurance premiums. Drivers in pricier areas of Tennessee can pay significantly more annually than those in more affordable regions.

Explore Discounts

Many Tennessee insurers offer various discounts. Whether you’re a student, veteran, or a safe driver, inquire about potential discounts such as paperless billing or homeowner benefits.

Maintain Continuous Coverage

Always keep your insurance active. Tennessee drivers who maintain consistent coverage enjoy better rates. Conversely, allowing coverage to lapse can lead to a 17% increase in premiums.

No-fault insurance in Tennessee

  1. Post-Accident Rate Hikes: In Tennessee, as with many states, car insurance premiums often rise after an accident. Insurers may view involvement in an accident as a predictor of potential future claims, prompting them to adjust rates accordingly.
  2. Potential Savings: While accident history typically leads to rate increases, certain endorsements like accident forgiveness can shield you from this hike, provided you meet all other criteria set by your insurer.
  3. Top Companies Post-Accident: According to Bankrate’s research, several insurers in Tennessee offer competitive rates even after an accident. State Farm stands out as the most affordable among them.
  4. No-Fault Insurance System: Tennessee operates under a “fault” system regarding car accidents. This means the at-fault driver and their insurer bear the responsibility for damages. However, while Tennessee doesn’t operate under a pure “no-fault” system, it’s crucial to understand the state’s specific regulations and how they may impact your insurance situation.

CompanyAvg. Annual Minimum Coverage PremiumAvg. Annual Full Coverage Premium
State Farm$256$1,097
Grange$273$1,436
Tennessee Farmers Mutual$285$1,203
Geico$377$1,843
Erie$393$1,575

Conclusion 

In conclusion, navigating options for the cheapest car insurance in Tennessee demands informed decision-making. From understanding state-specific requirements like minimum liability coverage to grasping the nuances that can impact premiums, such as accident history and location, thorough research is essential. Car insurance in Chattanooga, in particular, requires careful consideration of these factors to ensure you get the best rates.

Leveraging available resources like comparison tools, exploring various coverage options, and staying updated on potential discounts can significantly influence affordability. 

While factors like accidents may spike rates, options like accident forgiveness or choosing the right insurer can mitigate some financial burdens. Being proactive, informed, and vigilant ensures optimal coverage tailored to individual needs in the Volunteer State.

Also, it helps to remember that auto insurance with Beem covers damage to your vehicle, other vehicles or property, and injuries to yourself or others. 

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FAQs

Is car insurance required in Tennessee?

Yes, vehicle insurance is mandatory for all drivers in Tennessee.

Which cars are required to be insured in Tennessee?

All vehicles operated on Tennessee roads must have insurance coverage, regardless of type.

When should I get car insurance in Tennessee?

You should secure car insurance before driving any vehicle in Tennessee, ideally before registering it.

How much car insurance do I need in Tennessee?

At a minimum, you must have liability coverage as per state requirements. Still, it’s advisable to consider additional coverage for better protection.

How much is car insurance in my city in Tennessee?

Insurance rates vary by city, depending on location, crime rate, and local traffic. It’s best to obtain quotes specific to your area.

What happens if my car is not properly insured in Tennessee?

Driving without proper insurance in Tennessee can result in penalties, fines, license suspension, or other legal consequences.

Is Tennessee a no-fault state?

No, Tennessee is not a no-fault state. It follows a tort system where the at-fault driver is responsible for accident-related expenses.

Do drivers need uninsured motorist coverage in Tennessee?

While not mandatory, having uninsured motorist coverage is recommended in Tennessee to protect against uninsured or underinsured drivers.

Is liability insurance required in Tennessee?

Yes, liability insurance is required in Tennessee to cover costs for injuries or damages you might cause to others in an accident.

Does Tennessee accept digital insurance cards?

Yes, Tennessee accepts digital insurance cards as proof of coverage.

Is insurance expensive in Tennessee?

Tennessee insurance costs can vary based on multiple factors but tend to be around the national average, with some areas potentially higher or lower.

What’s the average cost of car insurance in Tennessee?

As of recent data, the average cost of car insurance in Tennessee is around $1,264 annually, below the national average. However, individual rates can vary based on various personal and geographic factors.

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Picture of Aniket Kulkarni

Aniket Kulkarni

A seasoned Product Manager specializing in car insurance content, Aniket has a passion for simplifying complex insurance concepts. His strategic approach to content development reflects years of experience in the product development industry, coupled with a commitment to providing accurate, reliable information.

Editor

This page is purely informational. Beem does not provide financial, legal or accounting advice. This article has been prepared for informational purposes only. It is not intended to provide financial, legal or accounting advice and should not be relied on for the same. Please consult your own financial, legal and accounting advisors before engaging in any transactions.

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