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Compare car insurance in Tennessee

Get the cheapest car insurance in Tennessee for 2020

Updated

Tenessee street at night

Tennessee is a fun state to drive through with its rolling landscapes, lush farmland, low mountain passes and bustling cities like Memphis and Nashville. But if you want to get behind the wheel in this state, you need to understand the rules and regulations of driving on Tennessee roads. Compare minimum coverage requirements and driving laws in Tennessee and find the best cheap car insurance for you.

Tennessee

Car insurance quick facts

25/50/15

Minimum liability requirements

$1,300

Average annual car insurance cost

90

Days to update your license

At-fault state

In at fault states, the driver who caused the accident pays for damages.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Compare Tennessee car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
USAA
Optional
Yes
All 50 states
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Liberty Mutual
Optional
30%
All 50 states
Earn free accident forgiveness after five years claims-free and customize your policy anytime online at the tap of a button.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
Gabi
Optional
Optional
55%
All 50 states
Upload your current policy info and get quotes from 20+ companies who could get you a better rate.
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Compare up to 4 providers

Company Direct premiums written (billions) Market share
State Farm $943,143 21.8%
Tennessee Farmers Mutual $710,174 16.40%
Geico $402,823 9.30%
Progressive $372,374 8.60%
Allstate $266,411 6.20%
USAA $236,693 5.50%
Liberty Mutual $220,833 5.10%
Nationwide $142,316 3.30%
Erie $127,053 2.90%
National General $95,684 2.20%

Average car insurance costs in Tennessee

When it comes to how much you’ll pay for car insurance, Tennessee was a bit less than the national average of $1,300 in 2017, with most drivers paying under $1,200 annually for coverage.

The most expensive areas to insure a car are typically the state’s big cities of Nashville and Memphis due to the additional risk for car accidents, vandalism and theft. In smaller towns and rural areas of the state like the Tri-Cities area, you’re likely to find lower insurance rates because of a decreased risk of damage.

While you can expect to pay something in the ballpark of that $1,200 average, you could also end up paying significantly less if you qualify for discounts and follow our tips for lowering your payments.

Which city has the cheapest car insurance in Tennessee?

Of Tennessee’s largest cities, Hendersonville has the cheapest rates and Nashville has the most expensive car insurance rates. Nashville drivers could face rates 3 times more than Hendersonville drivers.

Car insurance quotes in Antioch

Company Annual car insurance rate
Allstate $2079
SafeAuto $1881
Geico $3968
StateFarm $1397
USAA $2037

Car insurance quotes in Nashville

Company Annual car insurance rate
Allstate $2048
SafeAuto $2001
Geico $3968
StateFarm $1224
USAA $1930

Car insurance quotes in Clarksville

Company Annual car insurance rate
Allstate $2091
SafeAuto $1809
Geico $3308
StateFarm $1361
USAA $2020

Car insurance quotes in Hendersonville

Company Annual car insurance rate
Allstate $2017
SafeAuto $1717
Geico $3177
StateFarm $1305
USAA $2033

Car insurance quotes in Brentwood

Company Annual car insurance rate
Allstate $2021
SafeAuto $1737
Geico $3663
StateFarm $1398
USAA $1967

Tennessee minimum requirements for car insurance

To legally drive in Tennessee, you’ll need liability insurance that includes at least:

  • $25,000 for each injury or death per accident
  • $50,000 for total injuries or deaths per accident
  • $15,000 for property damage per accident

Can I get SR-22 insurance in Tennessee?

Yes, you can file an SR-22 in Tennessee. An SR-22 is a form your insurance provider files with the state that proves you have the minimum insurance needed to get behind the wheel. In Tennessee, you’re usually required to file this form if you’re convicted of a DUI, have an illegal lapse in insurance coverage or accumulate too many violation points on your driving record. It mandates a specific level of insurance coverage, typically for a period of three years.

Case study: Roslyn’s experience

profile pic

Roslyn McKenna
Car Insurance Publisher

When I moved from South Carolina to Tennessee, I didn’t have a lot of changes to make to my car insurance. The state minimum requirements are almost the same, except Tennessee doesn’t require uninsured motorist coverage. Car insurance rates are also very similar in both states.

The biggest differences were the terrain and traffic. I needed to keep my collision coverage since I’d moved to a city with more traffic and was doing more driving through the mountains.

However, I wish I hadn’t kept my comprehensive coverage, because I found that in practice, the deductible is usually higher than the actual repairs on a comprehensive claim, like getting a chipped windshield or a bent wheel rim. Between the deer on rural roads and potholes along I-40, there are a lot of road hazards to contend with in Tennessee, but comprehensive probably won’t be worth it if you have a high deductible or tend to pay for minor damage out of pocket.

Bottom line

To drive in Tennessee, you’ll need to either purchase a conventional car insurance policy or prove your financial responsibility with a large cash deposit to the state. Make sure you understand the terms and limitations of your policy before you get behind the wheel to explore everything this incredible state has to offer.

To learn more about types of coverage, getting better rates and nationwide rules and regulations, read our comprehensive guide to car insurance.

Frequently asked questions about Tennessee car insurance

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