Let’s talk about the best car insurance in Tennessee and every other information that you need to know about car insurance in Tennessee.
Work & Visa experts used data from Quadrant Information Services to find out how much people in Tennessee typically pay for car insurance.
They found that the average person pays around $459 for the minimum coverage required by the state, and about $1,807 for full coverage, which includes things like collision and comprehensive coverage.
But just because a company has low or high rates doesn’t necessarily mean they’re the best choice for insurance.
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To figure out the best car insurance companies in Tennessee, we looked at more than just rates. We also checked out scores from the 2023 J.D.
Power Auto Insurance Study, and ratings from AM Best to see how financially strong each company is, what kinds of coverage options they offer, what discounts they have available, and how good their digital tools are. All of these things together helped us decide which companies are the best picks for car insurance in Tennessee.
Buying auto insurance is a big deal, but finding affordable car insurance in Tennessee can be tricky. The best way to get a good deal is to compare prices from different insurance companies.
The cheapest car insurance company in Tennessee is Penn National. On average, they charge around $1,275 per year, or about $106 per month, for full coverage. But the typical cost for full coverage car insurance in Tennessee is higher, averaging around $1,958 per year, or roughly $163 per month.
If you’re looking for the minimum coverage required in Tennessee, the average cost is about $467 per year. However, you can probably find a cheaper option. For example, Progressive offers the lowest rates in Tennessee, with an average cost of around $274 per year for minimum coverage. This is based on a 35-year-old driver with a clean driving record.
How To Choose The Best and Cheap Car Insurance
Here’s how we found the cheapest insurance companies in Tennessee:
Our team at NerdWallet looked at rates from 21 different auto insurance companies in the state. We focused on finding the five cheapest options for drivers of different ages and with different driving histories. We based our analysis on someone driving a 2020 Toyota Camry L.
For minimum coverage, we checked rates that meet the minimum requirements set by Tennessee law. For full coverage, we used specific coverage limits:
- $100,000 coverage for injuries per person
- $300,000 coverage for injuries per accident
- $50,000 coverage for property damage per accident
- $100,000 coverage for uninsured motorists per person
- $300,000 coverage for uninsured motorists per accident
- Collision coverage with a $1,000 deductible
- Comprehensive coverage with a $1,000 deductible
Best Car Insurance In Tennessee For a 20Year Old Driver
If you’re in your 20s and looking for cheap car insurance in Tennessee, be prepared to do some shopping around. Prices can be pretty high for younger drivers, but they usually start to drop as you gain more experience on the road.
However, some companies consistently offer better rates for young drivers, so it’s worth comparing quotes to find them.
Here are some of the cheapest options for full coverage car insurance in Tennessee for 20-year-olds with clean driving records:
- Penn National: Around $2,643 per year, or about $220 per month.
- Erie: Approximately $2,703 per year, or about $225 per month.
- Progressive: About $2,765 per year, or around $230 per month.
- Auto-Owners: Roughly $2,892 per year, or about $241 per month.
- Tennessee Farm Bureau: About $2,894 per year, or around $241 per month.
Here are the cheapest auto insurance options in Tennessee for 20-year-old drivers, even after a DUI:
- Geico: Around $1,189 per year, or about $99 per month.
- Progressive: Approximately $574 per year, or about $48 per month.
- Travellers: About $1,063 per year, or around $89 per month.
- Erie: Roughly $1,118 per year, or about $93 per month.
- Tennessee Farm Bureau: Around $1,275 per year, or about $106 per month.
- American National: Approximately $1,380 per year, or around $115 per month.
For 20-year-olds in Tennessee with poor credit, here are the insurance companies offering the cheapest rates for minimum coverage:
- Progressive: Around $797 per year, or about $66 per month.
- Tennessee Farm Bureau: Approximately $927 per year, or around $77 per month.
- Travellers: About $1,099 per year, or roughly $92 per month.
- Allstate: Around $1,150 per year, or about $96 per month.
- American National: Approximately $1,314 per year, or around $110 per month.
Here are the cheapest auto insurance options in Tennessee for 20-year-old drivers with one speeding ticket, based on minimum coverage:
- Progressive: Around $599 per year, or about $50 per month.
- Tennessee Farm Bureau: Approximately $802 per year, or around $67 per month.
- Erie: About $803 per year, or roughly $67 per month.
- Travelers: Around $905 per year, or about $75 per month.
- Geico: Approximately $922 per year, or around $77 per month.
Here are the most affordable auto insurance options in Tennessee for 20-year-old drivers with one at-fault crash, based on minimum coverage:
- Progressive: Around $612 per year, or about $51 per month.
- Tennessee Farm Bureau: Approximately $890 per year, or around $74 per month.
- Travelers: About $953 per year, or roughly $79 per month.
- Erie: Around $982 per year, or about $82 per month.
- Geico: Approximately $1,189 per year, or around $99 per month.
Cheapest Car Insurance For Military
If you’re in the military or a veteran, or if you have an immediate family member who is, you’ll likely find affordable car insurance with USAA. They offer relatively cheap rates, but it’s important to note that USAA is only available to military members and their families, not the general public.
Because of this limitation, USAA isn’t included in the rankings with other insurance companies. However, in our analysis of 70 different driver profiles, USAA was among the top five cheapest options for 64 of them.
Minimum Required Car Insurance In Tennessee
In Tennessee, every driver must have liability car insurance. This insurance covers the costs if you cause an accident, like paying for others’ injuries and property damage, up to a certain amount.
The minimum required coverage in Tennessee is:
- $25,000 for each person’s injuries
- $50,000 total for injuries in an accident
- $15,000 for property damage in an accident
But in a serious accident, these minimums might not be enough to cover all the costs. To avoid hg to pay extra out of your pocket, it’s a good idea to consider getting more coverage than the minimum. You might also want to add on extra types of insurance, like collision, comprehensive, and uninsured motorist coverage.