Home Car insurance Average car insurance cost Car insurance rates by state Average car insurance cost in Tennessee Average car insurance cost in Tennessee The average premium for car insurance in Tennessee is $1,677 per year or $140 per month. View Carriers Please enter valid zip Compare top carriers in your area Written by Prachi Singh Prachi Singh Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. Updated on: September 9, 2024 Why you can trust Insure.com Quality Verified At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry. If you want to secure auto insurance coverage in Tennessee, know the associated costs. On average, premiums for car insurance in Tennessee cost $1,677 per year or $140 monthly. While the national average is $1,682, highlighting a difference of $218.Various factors influence car insurance rates, including age, gender, driving history, credit score, and location. This guide covers the average cost of full coverage in the state, the factors impacting auto insurance rates, identifies companies providing affordable monthly premiums for car insurance, outlines average car insurance rates across cities in Tennessee, and breaks down car insurance rates by age group.Shop around and compare quotes to save money on your auto insurance. Continue reading the guide to ensure your insurance policy meets your needs within your budget.Summary of average car insurance cost in TennesseeAverage annual cost $1,677Average per month cost $140Average cost for state minimum coverage $442 / YearCheapest car insurance company Farm Bureau Insurance of Tennessee($1,355 / Year)Average cost for young drivers $2,715 / YearAverage cost for Senior drivers $1,670 / Year Key Takeaways Based on Insure.com’s analysis, car insurance in Tennessee costs $1,677 per year.Car insurance in Tennessee costs $140 per month.Farm Bureau Insurance of Tennessee has the cheapest car insurance rates in Tennessee, at an average annual rate of $1,355 a year. Average car insurance cost in Tennessee per monthIn Tennessee, car insurance costs around $140 per month on average.It’s a common occurrence for the cost of the same coverage to vary among companies, which is true of every auto insurance company. Thus, when seeking car insurance rates in Tennessee, it’s wise to obtain quotes from multiple firms.Cheapest car insurance companies in TennesseeThe table below lists the other available car insurance companies which offer car insurance in Tennessee, along with their average cost per month and average annual cost.Company nameAverage per month costAverage annual costFarm Bureau Insurance of Tennessee$113$1,355Travelers$116$1,395Progressive$129$1,550Geico$130$1,565Erie Insurance$133$1,598Nationwide$136$1,632State Farm$140$1,677Farmers$148$1,770Allstate$253$3,032USAA$99$1,194Read our guide to cheap car insurance companies Tennessee car insurance calculator Select Year Select Year202320222021202020192018201720162015201420132012201120102009200820072006 Vehicle Make Select MakeAcuraAlfa-RomeoAudiBMWBuickCadillacChevroletChryslerDodgeFordGenesisGMCHondaHyundaiInfinitiJaguarJeepKiaLand RoverLexusLincolnMaseratiMazdaMercedesMiniMitsubishiNissanPolestarPorscheRamSubaruTeslaToyotaVolkswagenVolvo Vehicle Model Select ModelIntegraIntegra A-SpecIntegra A-Spec TechMDXMDX SHMDX SH A-SpecMDX SH AdvanceMDX SH TechMDX SH Type SMDX SH Type S Advance PackageMDX TechRDXRDX A-SpecRDX A-Spec AdvanceRDX SHRDX SH A-SpecRDX SH AdvanceRDX SH TechRDX TechTLX 2.0TTLX 2.0T A-SpecTLX 2.0T SH A-SpecTLX 2.0T SH AdvanceTLX 2.0T TechTLX 3.0T Type S State Select StateAlaskaAlabamaArizonaArkansasCaliforniaColoradoConnecticutWashington D.C.DelawareFloridaGeorgiaHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew MexicoNew YorkNew JerseyNorth CarolinaNorth DakotaOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVermontVirginiaWashingtonWest VirginiaWisconsinWyomingNationwide Reset Vehicle already present. 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Year 2023 Cylinders 4 Make & Model Acura - Integra State Tennessee Style 2WD 4 Door Hatchback Turbo CVT Vehicle Type Luxury Car State Minimum Coverage NA* Liability Coverage NA* Full Coverage $2,327/Year OR $194/month Tennessee Get Quote Get Quote Let's start saving! To save more, tell us about yourself: What is Your Zip Code? What is Your Age? 16 - 20 21 - 24 25 - 34 35 - 44 45 - 54 55 - 64 65+ SEE IF YOU QUALIFY FOR MAJOR DISCOUNTS: I am a homeowner I am currently insured I am a good driver A good driver means: Have no accidents or violations in the last 3 years. Don't have a DUI. Don't need an SR22. Number of vehicles - + *It is recommended that you should get full coverage car insurance for vehicles 2020 or newer. Methodology Insure.com commissioned Quadrant Information Services to calculate average auto insurance rates for vehicles from 2006 to 2023. Our hypothetical driver is a 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/50 ($100,000 for injury liability for one person, $300,000 for all injuries and $50,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. Rates for vehicles up until 2023 includes uninsured motorist coverage (since some states require it, we do it for all) and PIP or Medical Payments, if it is required by state law. This hypothetical driver has a clean record and good credit. For liability 100/300 is rates the same hypothetical driver but with liability limits of 100/300/50, uninsured/underinsured motorist in matching amounts and PIP or MedPay, if required by state. We recommend limits this high, even if you have only liability coverage. A state-minimum policy includes only the basic state liability limits and any other state-required coverages, such as uninsured motorist or PIP. Averages were calculated using data from six large carriers, such as Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. Rates were averaged across multiple ZIP codes and insurance companies. Average rates are for comparative purposes; your rate will depend on your personal factors. Average cost of car insurance by coverage levels in TennesseeThe extent of coverage you select determines car insurance costs in Tennessee. Your liability limits and whether you opt for comprehensive, or collision coverage determine your premiums.Liability-only insurance protects against third-party property damage and personal injuries in accidents. However, in the event of a collision, having liability coverage alone would not extend to your injuries or personal property damage since you are responsible for the accident. For instance, with a 50/100/50 liability-only coverage limit, the average annual cost in Tennessee amounts to $547.Expanding your policy to include more coverage results in a higher insurance premium. This is because the insurance provider is liable to compensate you for accidents or other damage. Consequently, the average annual cost of full coverage car insurance in Tennessee stands at $1,677.Non-owner state minimum liability coverage is the most appropriate choice for individuals who do not own a vehicle but regularly rent one. Like liability-only coverage, it protects property damage and bodily injury inflicted upon another driver. In Tennessee, the average annual cost for non-owner state minimum liability coverage stands at $363.Meanwhile, for those who wish to save money on car insurance premiums, selecting only the state minimum liability coverage enables legal driving within the state. The annual cost for state minimum liability coverage alone amounts to $442 in Tennessee.Coverage limitsAverage annual costState Minimum BI/PD$442Liability Only – 50/100/50 BI/PD$547Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll$1,677Non-Owners$363Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.Car insurance rates in Tennessee by cityChattanoogaClarksvilleKnoxvilleMemphisMurfreesboroAverage car insurance cost in Tennessee by cityYour car insurance premium is impacted by numerous factors, including your state, city, and even ZIP code. The incidents of accidents and the probability of vehicle theft or vandalism can significantly sway the overall cost within a city or ZIP code.The table below depicts the top popular cities in Tennessee:CityAverage annual costChattanooga$1,605Clarksville$1,620Franklin$1,513Hendersonville$1,569Jackson$1,666Johnson City$1,386Knoxville$1,580Memphis$2,161Murfreesboro$1,600Nashville$1,708Average car insurance cost in Tennessee by age of the driverAge plays a significant role in determining auto insurance premiums. Teenagers have a higher likelihood of being involved in car accidents compared to other age groups. The average annual rate for young drivers in Tennessee is $2,715, whereas for seniors, it’s $1,670. The rate for young drivers surpasses that of senior drivers by $1,045.Based on statistical data, young drivers are at a higher risk of being involved in vehicle accidents compared to more seasoned drivers. Consequently, they are categorized as high-risk drivers, leading to higher insurance costs. Factors such as speeding and limited road experience contribute to this high-risk classification. However, premiums begin to increase again around age 70, as certain age-related factors can impact driving capabilities.Average car insurance cost in Tennessee for young driversFor female young drivers in Tennessee, the average annual car insurance cost is $2,530, and $211 per month. Conversely, male young drivers face an average annual rate of $2,901, and $242 per month.The average annual rates for young male and female drivers are listed in the table below:Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers20$3,872$3,23721$3,055$2,61622$2,749$2,41723$2,519$2,25824$2,311$2,121Average car insurance cost in Tennessee for senior driversFor senior female drivers in Tennessee, the annual cost of car insurance is $1,623, or $135 per month. Similarly, male senior drivers face an annual insurance rate of $1,716, or $143 per month.Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,580$1,51670$1,686$1,59775$1,884$1,757Read more about senior car insuranceMinimum car insurance requirements in TennesseeEvery state establishes laws regarding the minimum car insurance coverage drivers must possess to lawfully drive a vehicle. As outlined by the Tennessee Department of Insurance, the following are the mandatory coverages and minimum coverage limits mandated in Tennessee:Bodily injury per person: $25,000Bodily injury per accident: $50,000Personal property coverage per person: $25,000Cheapest cars to insure in TennesseeThe Mazda CX-30 has the most affordable average annual insurance premium, standing at $1,854. The Hyundai Venue is followed closely at $1,900 per year. The difference in the cost of insuring these two models is $46 annually.MakeModelAverage annual premiumMazdaCX-30$1,854HyundaiVenue$1,900HondaHR-V$1,901ChevroletTrailBlazer$1,911ToyotaCorolla Cross$1,920HondaCR-V$1,923SubaruOutback$1,935KiaSeltos$1,941SubaruCrosstrek$1,943SubaruForester$1,951Most expensive cars to insure in TennesseeTopping the list as the most expensive car to insure is the Audi R8 Performance, at an average annual premium of $7,374. Notably, the annual difference between the least and most expensive cars to insure amounts to $5,520.MakeModelAverage annual premiumAudiR8 Performance$7,374MaseratiQuattroporte Trofeo$7,048MaseratiQuattroporte$6,963MaseratiGhibli Trofeo$6,860PorscheTaycan Turbo$6,085MaseratiGhibli$5,925BMWM8$5,875AudiR8$5,665MaseratiLevante Trofeo$5,478AudiRS E-tron GT$5,476MethodologyThe Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 56,838,240 insurance quotes from 136 insurance companies across 34,523 ZIP codes.The insurance rates are based on a sample profile of a 40-year-old male driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:The quoted insurance rates are for comparison purposes, and your individual rates may vary.How much is car insurance in other statesAlaska$1,676/YearAlabama$1,860/YearArkansas$1,957/YearArizona$1,812/YearCalifornia$2,416/YearColorado$2,337/YearConnecticut$1,725/YearDelaware$2,063/YearFlorida$2,694/YearGeorgia$1,970/YearHawaii$1,517/YearIowa$1,630/YearIdaho$1,428/YearIllinois$1,532/YearIndiana$1,515/YearKansas$1,900/YearKentucky$2,228/YearLouisiana$2,883/YearMassachusetts$1,726/YearMaryland$1,746/YearMaine$1,175/YearMichigan$2,352/YearMinnesota$1,911/YearMissouri$1,982/YearMississippi$2,008/YearMontana$2,193/YearNorth Carolina$1,741/YearNorth Dakota$1,665/YearNebraska$1,902/YearNew Hampshire$1,265/YearNew Jersey$1,902/YearNew Mexico$2,049/YearNevada$2,060/YearNew York$1,870/YearOhio$1,417/YearOklahoma$2,138/YearOregon$1,678/YearPennsylvania$1,872/YearRhode Island$2,061/YearSouth Carolina$2,009/YearSouth Dakota$2,280/YearTexas$2,043/YearUtah$1,825/YearVirginia$1,469/YearVermont$1,319/YearWashington$1,608/YearWisconsin$1,664/YearWest Virginia$2,005/YearWyoming$1,758/YearShow more Explore other insurance options in Tennessee Non-owner auto insurance in Tennessee Average renters insurance cost in Tennessee Average homeowners insurance cost in Tennessee Prachi SinghContributing Researcher . .Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry. In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? How much does car insurance cost for seniors in 2024? A complete guide to adding a teenager to your car insurance policy in 2024 What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? 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Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 On this page Average car insurance cost in Tennessee per monthCheapest car insurance companies in TennesseeAverage cost of car insurance by coverage levels in TennesseeAverage car insurance cost in Tennessee by cityAverage car insurance cost in Tennessee by age of the driverMinimum car insurance requirements in TennesseeCheapest cars to insure in TennesseeMost expensive cars to insure in TennesseeMethodology ZIP Code Please enter valid ZIP See rates