Home Car insurance Car insurance rates by state Average car insurance cost in Tennessee Average car insurance cost in Tennessee View Carriers Please enter valid zip Compare top carriers in your area By Insure.com's Editor | Updated on December 13, 2023 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. The average premium for car insurance in Tennessee is $1,373 per year or $114 per month. At the same time, the national average is $1,682. There is a difference of $309 less between the national average and the state average. Many factors affect car insurance rates, such as age group, gender, driving history, credit score, and where you live. Read on to learn more about the average rate of full coverage, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Tennessee, and car insurance rates by age group. Summary of average car insurance cost in TennesseeAverage annual cost$1,373Average per month cost$114Average cost for state minimum coverage$368 / YearCheapest car insurance companyUSAA($966/ Year)Average cost for young drivers$2,256 / YearAverage cost for senior drivers$1,316 / Year Key TakeawaysThe average car insurance cost in Tennessee is $1,373 per year, based on Insure.com’s analysis.In Tennessee, the average premium for car insurance is $114 per month.USAA has the cheapest car insurance rates in Tennessee, at an average annual rate of $966 a year. Average car insurance cost in Tennessee per month In Tennessee, the average premium for car insurance is $114 per month. The price for the same coverage may differ between companies. When looking for car insurance rates in Tennessee, get quotes from many insurers. As per the rate analysis conducted by Insure.com, the company that offers the cheapest car insurance premiums in Tennessee is USAA. The average annual cost is $966, while the average monthly cost is $81. The second-best option available is Geico, offering insurance at an average per month cost of $82. The table below lists the other available car insurance companies that offer car insurance in Tennessee, along with their average cost per month and average annual cost. Company nameAverage per month costAverage annual costUSAA$81$966Geico$82$982Auto-Owners$90$1,077Nationwide$90$1,082State Farm$99$1,187Travelers$103$1,232Erie Insurance$112$1,349Farmers Insurance$136$1,637Allstate$161$1,928Progressive$169$2,025 Read our guide to the best car insurance companies. Average cost of car insurance by coverage levels in Tennessee The amount of coverage you purchase impacts how much car insurance costs in Tennessee. Your premium is determined by your liability limits and whether you want comprehensive and collision coverage. Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average annual cost in Tennessee is $445. When you add more coverage to your policy, your insurance premium increases. The insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Tennessee is $1,373 per year. Non-owner state minimum liability coverage is best suited for someone who does not own the car but frequently rents a car. It is like liability-only coverage and covers property damage and bodily injury caused to another driver. In Tennessee, the average annual cost for non-owner state minimum liability only is $300. Those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage to be able to drive in the state legally. The state minimum liability only coverage costs $368 per year in Tennessee. Coverage limitsAverage annual cost50/100/50 Liability Only$445100/300/100 Liability with $500 Comp/Coll Deductible$1,373Non-Owner State Minimum Liability Only$300State Minimum Liability Only$368 Average car insurance cost in Tennessee by city Your car insurance premium is determined by various factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code. The table below depicts the top popular cities in Tennessee: CityAverage annual costMemphis$1,725Knoxville$1,302Chattanooga$1,283Clarksville$1,315Murfreesboro$1,292Franklin$1,246Jackson$1,401Johnson City$1,132Bartlett$1,508Hendersonville$1,253 Auto 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 age Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Tennessee is $2,256 while for seniors is $1,316. Here, the rate for young drivers is $940 more than for senior drivers. Statistics show that young drivers are more likely to be in a vehicle accident than experienced drivers. As a result, they are deemed high-risk and costly to insure. However, premiums start to rise again at about age 70 when some aspects of aging start affecting driving abilities. Average car insurance cost in Tennessee for young drivers The average car insurance cost for female young drivers in Tennessee is $2,096 per year or $175 per month and rate for a male young driver is $2,417 per year or $201 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 drivers18$5,366$4,61219$3,577$3,03420$3,234$2,72821$2,573$2,19622$2,261$1,96923$2,103$1,85324$1,913$1,73325$1,725$1,609 Average car insurance cost in Tennessee for senior drivers In Tennessee, the cost of car insurance for senior female driver is $1,296 per year or $108 per month and cost of car insurance for male senior driver is $1,336 per year or $111 per month. Age of driverAverage annual cost for Male driversAverage annual cost for Female drivers65$1,278$1,24570$1,383$1,34575$1,528$1,454 Read more about senior car insurance Minimum car insurance requirements in Tennessee Each state sets its own regulations regarding the minimum amount of car insurance coverage drivers must carry to operate a vehicle legally on the roads. According to information provided by the Tennessee Department of Insurance, the following are the required coverages and minimum coverage limits in Tennessee: Bodily injury per person: $25,000 Bodily injury per accident: $50,000 Personal property coverage per person: $15,000 Cheapest cars to insure in Tennessee The Ford Transit Connect Titanium has the lowest average annual insurance premium at $1,119, followed closely by the Toyota C-HR Limited at $1,125. The difference in the cost of insuring these two models is $6 annually. MakeModelAverage annual premiumFordTransit Connect Titanium$1,119ToyotaC-HR Limited$1,125ChryslerVoyager LX$1,140MazdaCX-30 S$1,148SubaruForester 2.5I$1,148MazdaCX-5 S$1,153KiaSeltos EX$1,157HyundaiVenue SE$1,158SubaruOutback 2.5I$1,165SubaruCrosstrek 2.5I Limited$1,165 Most expensive cars to insure in Tennessee The most expensive car to insure on the list is the Maserati Quattroporte, which has an average annual premium of $4,647. However, the difference between the cheapest and most expensive cars to insure is $3,528 annually. MakeModelAverage annual premiumMaseratiQuattroporte$4,647MaseratiLevante Trofeo$4,093MaseratiGhibli Modena$4,036MaseratiGhibli GT$3,908TeslaModel S Plaid$3,847PorscheTaycan Turbo S$3,517MaseratiGhibli Trofeo$3,393Porsche911 Turbo$3,294BMWM8 Competition XDrive$3,260BMWM5$3,250 Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible. Methodology 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: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $100,000 property damage liability $500 collision/comprehensive deductible The quoted insurance rates are for comparison purposes, and your individual rates may vary. Explore other insurance options in Tennessee Non-owner auto insurance in Tennessee Average renters insurance cost in Tennessee Average homeowners insurance cost in Tennessee How much is car insurance in other statesAlaska$1,359/YearAlabama$1,542/YearArkansas$1,597/YearArizona$1,617/YearCalifornia$2,115/YearColorado$1,940/YearConnecticut$1,750/YearDelaware$2,137/YearFlorida$2,560/YearGeorgia$1,647/YearHawaii$1,306/YearIowa$1,321/YearIdaho$1,121/YearIllinois$1,578/YearIndiana$1,256/YearKansas$1,594/YearKentucky$2,105/YearLouisiana$2,546/YearMassachusetts$1,538/YearMaryland$1,640/YearMaine$1,116/YearMichigan$2,133/YearMinnesota$1,493/YearMissouri$2,104/YearMississippi$1,606/YearMontana$1,692/YearNorth Carolina$1,368/YearNorth Dakota$1,419/YearNebraska$2,018/YearNew Hampshire$1,307/YearNew Jersey$1,901/YearNew Mexico$1,505/YearNevada$2,023/YearNew York$2,020/YearOhio$1,023/YearOklahoma$1,797/YearOregon$1,244/YearPennsylvania$1,445/YearRhode Island$1,845/YearSouth Carolina$1,894/YearSouth Dakota$1,581/YearTexas$1,875/YearUtah$1,469/YearVirginia$1,321/YearVermont$1,158/YearWashington$1,371/YearWisconsin$1,499/YearWest Virginia$1,610/YearWyoming$1,736/YearShow more In case you missed it Best Car Insurance Companies of 2024 Car insurance rates by state in 2024 What is full coverage car insurance? 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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 monthAverage cost of car insurance by coverage levels in TennesseeAverage car insurance cost in Tennessee by cityAverage car insurance cost in Tennessee by ageMinimum car insurance requirements in TennesseeCheapest cars to insure in TennesseeMost expensive cars to insure in TennesseeMethodology Get instant quotes now ! Please enter valid zip Get Quotes