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Compare car insurance in Tennessee

Get the cheapest car insurance in Tennessee for 2021

The average annual cost of car insurance in Tennessee is $995.91. Narrow down car insurers offering coverage in Tennessee by roadside assistance, accident forgiveness and more to get a quote.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Allstate
Optional
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
Progressive
Optional
30%
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Pretected
Optional
Yes
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
The AARP Auto Insurance Program from the Hartford
Optional
Yes
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Root
52%
Available in 31 states
Track your driving to receive a low rate that reflects your driving skills, and enjoy a fully app-based policy experience.
USAA
Optional
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
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Tennessee drivers pay an average of $995.91 per year for car insurance according to the National Association of Insurance Commissioners (NAIC), that’s about $82.99 per month. Tennessee drivers pay about 16% less than the countrywide national average of $1,189.64.

The NAIC takes into account all car insurance policies within the state such as drivers who select only state minimum coverage, as well as policies that include various levels of comprehensive and collision coverage. Because car insurance rates are influenced by personal factors, you could find yourself paying significantly less.

Tennessee car insurance quick facts

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Minimum liability requirements

25/50/15

Average annual car insurance cost according to the NAIC

$995.91

At-fault state

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

Tennessee state minimum car insurance requirements

Drivers in Tennessee are required to carry a minimum amount of liability coverage to legally drive. You may see it written as 25/50/15, but we’ll break down what that means.

    Bodily Injury Liability

    Tennessee bodily injury liability

    • $25,000 bodily injury liability per person
    • $50,000 bodily injury per accident

    Tennessee requires $25,000 in bodily injury liability per person and $50,000 of bodily injury per accident to legally drive. That’s right in line with what most states across the US require for this coverage.

    This means $25,000 is the most your insurer will pay for a single person injured by you in an at-fault accident. And $50,000 is the maximum amount your insurer will pay if there is more than one person injured by you in an at-fault accident. Any costs outside of your bodily injury limit are required to come out of your pocket.

    Property damage liability

    Tennessee property damage liability

    • $15,000 property damage liability

    Tennessee requires drivers to carry $15,000 of property damage liability to legally drive. This required limit is middle of the road compared to what other states require for property damage liability.

    This means $15,000 is the maximum amount your car insurance company will pay towards damages you cause to another person’s car or property, such as repairs to a car, fence or building. You’ll have to pay out of pocket for any costs beyond your property damage liability limit.

    Finder tip: Tennessee state minimum coverage isn’t enough

    These state-mandated requirements are the lowest amount of coverage you need to legally drive in Tennessee, but may fall short if you’re in a major accident. To avoid high out-of-pocket costs after an accident, consider raising your liability limits by balancing coverage, your budget and what you can afford to pay out of pocket for certain damage.

    Most popular Tennessee auto insurance companies list

    CompanyDirect premiums written (billions)Market share
    State Farm$943,14321.8%
    Tennessee Farmers Mutual$710,17416.40%
    Geico$402,8239.30%
    Progressive$372,3748.60%
    Allstate$266,4116.20%
    USAA$236,6935.50%
    Liberty Mutual$220,8335.10%
    Nationwide$142,3163.30%
    Erie$127,0532.90%
    National General$95,6842.20%

    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
    Allstate$2079
    SafeAuto$1881
    Geico$3968
    StateFarm$1397
    USAA$2037

    Car insurance quotes in Nashville

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

    Car insurance quotes in Clarksville

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

    Car insurance quotes in Hendersonville

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

    Car insurance quotes in Brentwood

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

    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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