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Car Insurance in Tennessee: 2026 Rates & Guide

Tennessee is a mid-range state for car insurance. The average driver pays $122/month ($1464/year). Here's how to find the best rate for your situation.

$122

Avg Monthly

$1464

Avg Annual

#25

Cost Rank (1=priciest)

$92

Cheapest Option/mo

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Cheapest Car Insurance Companies in Tennessee (2026)

Rates below are estimates for a 35-year-old driver with a clean record, good credit, and a 2020 Honda Civic.

Top insurers in Tennessee — sorted by average monthly rate

#CompanyEst. MonthlyRating
1
★ BestState Farm
$92/mo4.5Get Quote
2
GEICO
$98/mo4.3Get Quote
3
Tennessee Farm Bureau
$86/mo4.6
4
Progressive
$108/mo4.1Get Quote
5
Allstate
$118/mo4Get Quote

Rates are estimates for a 35-year-old with good credit and a clean record. Your rate will vary.

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Tennessee Car Insurance Requirements

Minimum Coverage: 25/50/15

Tennessee is an at-fault state. The driver who causes an accident is financially responsible.

Tennessee Insurance Facts

Tennessee Farm Bureau offers some of the lowest rates in the state and is exclusively available to TN residents.
Nashville has seen rapid population growth and rising premiums — now among the priciest cities in the state.
Memphis has above-average vehicle theft rates, raising comprehensive premiums in the metro area.

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How to Get Cheaper Car Insurance in Tennessee

1

Compare at least 3–5 quotes

Rates vary by 40–60% between companies for the same driver profile.

2

Raise your deductible

Going from $500 to $1,000 deductible typically saves 10–15% on comprehensive/collision.

3

Bundle home + auto

Multi-policy discounts average 15–25% across major insurers.

4

Try usage-based insurance

Telematics programs like Progressive Snapshot can save up to 30% for safe drivers.

5

Ask about all discounts

Good student, military, professional association, and low-mileage discounts are often unclaimed.

6

Improve your credit score

In most states, a good credit score can lower premiums by 20–50%.

Car Insurance in Tennessee — FAQs

What is the average cost of car insurance in Tennessee?
The average car insurance cost in Tennessee is $122 per month ($1464 per year) for a driver with a clean record and good credit. Your actual rate will vary based on your age, vehicle, and driving history.
What is the minimum car insurance required in Tennessee?
Tennessee requires minimum liability coverage of 25/50/15 (bodily injury per person / bodily injury per accident / property damage). This is a tort (at-fault) state.
Which company has the cheapest car insurance in Tennessee?
Based on our research, State Farm offers the lowest average rate in Tennessee at around $92/month. However, the cheapest insurer for you will depend on your specific profile — we always recommend getting at least 3 quotes.
Is Tennessee a no-fault car insurance state?
No, Tennessee is an at-fault (tort) state. The driver who caused the accident is responsible for covering the other party's damages through their liability insurance.
How can I lower my car insurance in Tennessee?
The most effective ways to lower your car insurance in Tennessee include: (1) comparing quotes from at least 3 insurers, (2) raising your deductible, (3) bundling with home or renters insurance, (4) asking about usage-based/telematics discounts, and (5) improving your credit score where allowed.

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