Cheap car insurance in Tennessee

How to get the best car insurance in Tennessee

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Tenessee street at night

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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.


Car insurance quick facts


Minimum liability requirements


Average annual car insurance cost


Days to update your license

At-fault state

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

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Compare Tennessee car insurance providers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Get a quote online in minutes and find some of the lowest rates and wide coverage options for almost any driver.
Available in 30 states
Safe, low-mileage drivers could save up to 52% by tracking their driving in the app.
The AARP Auto Insurance Program from The Hartford
All 50 states & DC
Enjoy exclusive savings and benefits designed for drivers over the age of 54.
Liberty Mutual
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
All 50 states
Upload your current bill and get 20+ quotes from top brands for the same level of coverage.
All states except AK, DE, HI, MT, NH, VT, WY
Convenient online quotes, coverage and claims for tech-savvy drivers.

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Most popular Tennessee auto insurance companies list

CompanyDirect premiums written (billions)Market share
State Farm$943,14321.8%
Tennessee Farmers Mutual$710,17416.40%
Liberty Mutual$220,8335.10%
National General$95,6842.20%

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

CompanyAnnual car insurance rate

Car insurance quotes in Nashville

CompanyAnnual car insurance rate

Car insurance quotes in Clarksville

CompanyAnnual car insurance rate

Car insurance quotes in Hendersonville

CompanyAnnual car insurance rate

Car insurance quotes in Brentwood

CompanyAnnual car insurance rate

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

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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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