What is the best car insurance company in Tennessee?

To find the best car insurance company in Tennessee for your needs, it can be helpful to first consider your priorities. For example, if low cost is most important to you, you may choose a different company than your neighbor who is looking for the best possible customer service or highly-developed digital tools. Taking the time to think about what you're looking for from your policy can be a good first step in finding the coverage that works for you. After that, most insurance experts recommend gathering several quotes from companies that offer the coverage options you need or want to see which offers you the most competitive rate.

How much is car insurance per month in Tennessee?

In Tennessee, the average annual cost of car insurance is $1,991 for a full coverage policy and $504 for a minimum coverage policy. That means on average, you would pay about $166 per month for full coverage and around $42 per month for minimum coverage.

What is the cheapest car insurance company in Tennessee?

The cheapest car insurance company is different for everyone. There are hundreds of car insurance carriers on the market, and each one charges a different rate for coverage. You will likely want to shop around and get a few quotes before choosing a carrier to make sure you are getting the best rate.

Do you need to have car insurance in Tennessee?

Unless you post a $65,000 bond or cash deposit with the state, Tennessee car insurance laws mandate that all drivers must carry insurance. As of January 1, 2023, Tennessee drivers are required to carry minimum liability limits of: $25,000 bodily injury liability per person $50,000 bodily injury liability per accident $25,000 property damage liability per accident If you are caught driving uninsured, you might face fines, be required to carry an SR-22 and have your driver’s license suspended.

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Average cost of car insurance in Tennessee for 2025

Written by

Natalie Todoroff

Edited by

Mariah Posey

Updated Jul 01, 2025

According to Bankate’s analysis of average premiums, a full coverage car insurance policy in Tennessee is $1,991 per year and minimum coverage is $504.

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Insurance disclosure

How much is car insurance in Tennessee?

Drivers in the Volunteer State pay an annual average of $1,991 for full coverage car insurance, which typically includes collision and comprehensive coverage, or $504 for state-mandated minimum liability coverage. These rates are low compared to the national averages of $2,677 per year for full coverage and $807 per year for minimum. However, insurers consider several factors personal to you when calculating your premium, so your costs may differ.

Key takeaways

Drivers in Tennessee who carry full coverage car insurance pay an average of $166 per month for their policies. Minimum coverage costs less at an average of $42 per month.
More populated cities such as Memphis, which tend to have a higher incidence of traffic accidents and car theft, tend to have higher average rates for coverage.
A DUI conviction in Tennessee could raise car insurance rates by 123 percent more compared to drivers with a clean record.
From ages 16 to 25, men generally pay more for car insurance than women do, but the gap tends to narrow from age 30 onward.

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Tennessee car insurance rates by city

Most drivers know that car insurance rates vary by state, but the city you live in may also affect your premium. Car insurance may be more expensive in certain cities based on the number of uninsured drivers, crime rates, weather patterns and more.

The table below highlights the average car insurance rates in 10 of Tennessee's largest cities.

City	Avg. annual full coverage premium	Avg. savings vs. state average
Brentwood	$1,802	-10%
College Grove	$1,846	-8%
Dover	$2,088	+5%
Franklin	$1,807	-10%
Hendersonville	$1,845	-8%
Kingston Springs	$1,986	-0%
Memphis	$2,560	+25%
Mc Kenzie	$2,092	+5%
Martin	$2,040	+2%
Palmersville	$2,044	+3%
Jackson	$2,008	+1%
Bath Springs	$2,085	+5%
Counce	$2,114	+6%
Bristol	$1,647	-19%
Flag Pond	$1,823	-9%
Kingsport	$1,683	-17%
Unicoi	$1,763	-12%
Piney Flats	$1,656	-18%
Gatlinburg	$1,920	-4%
Murfreesboro	$1,827	-9%
Pleasant View	$1,973	-1%
Red Boiling Springs	$2,035	+2%
Shelbyville	$1,892	-5%
Southside	$1,927	-3%
Unionville	$1,962	-1%
Vanleer	$2,088	+5%
Wartrace	$1,933	-3%
Woodbury	$1,965	-1%
Nashville	$1,970	-1%
Beersheba Springs	$2,094	+5%
Conasauga	$1,901	-5%
Huntland	$1,944	-2%
Manchester	$1,911	-4%
Normandy	$1,936	-3%
Sale Creek	$1,893	-5%
Winchester	$1,902	-5%
Chattanooga	$1,906	-4%
Antioch	$2,036	+2%
Castalian Springs	$1,892	-5%
Cedar Hill	$1,918	-4%
Christiana	$1,846	-8%
Lascassas	$1,861	-7%
Lewisburg	$1,951	-2%
Chapmansboro	$1,974	-1%
Charlotte	$2,000	+0%
Fosterville	$1,921	-4%
Greenbrier	$1,854	-7%
Alexandria	$1,977	-1%
Burns	$2,009	+1%
Erin	$2,249	+12%
Lafayette	$1,990	-0%
Lebanon	$1,839	-8%
Clarksville	$1,899	-5%
Cottontown	$1,871	-6%
Gladeville	$1,908	-4%
Bon Aqua	$2,042	+3%
La Vergne	$1,890	-5%
Lobelville	$2,103	+5%
Adams	$1,908	-4%
Big Rock	$2,012	+1%
Cross Plains	$1,924	-3%
Hermitage	$1,977	-1%
Linden	$2,126	+7%
Belvidere	$1,907	-4%
Calhoun	$1,923	-3%
Charleston	$1,882	-6%
Coker Creek	$1,986	-0%
Cleveland	$1,878	-6%
Fayetteville	$2,005	+1%
Guild	$2,056	+3%
Lynchburg	$1,926	-3%
Ooltewah	$1,892	-5%
Pelham	$2,052	+3%
Athens	$1,901	-5%
Sewanee	$1,924	-3%
Signal Mountain	$1,909	-4%
Soddy Daisy	$1,835	-8%
Spring City	$1,965	-1%
Tullahoma	$1,927	-3%
Whitwell	$2,030	+2%
Altamont	$2,056	+3%
Coalmont	$2,072	+4%
Cowan	$1,896	-5%
Decatur	$1,997	+0%
Farner	$1,966	-1%
Flintville	$2,005	+1%
New Johnsonville	$2,093	+5%
Norene	$1,963	-1%
Springfield	$1,876	-6%
Slayden	$2,043	+3%
Spring Hill	$1,859	-7%
Belfast	$1,975	-1%
Bell Buckle	$1,947	-2%
Bethpage	$1,862	-7%
Bumpus Mills	$2,095	+5%
Dowelltown	$1,985	-0%
Goodlettsville	$1,968	-1%
Indian Mound	$2,017	+1%
Dayton	$1,968	-1%
Jasper	$2,010	+1%
Tracy City	$2,042	+3%
Turtletown	$1,935	-3%
Copperhill	$1,984	-0%
Pikeville	$1,993	+0%
South Pittsburg	$2,031	+2%
Summitville	$1,962	-1%
Elora	$1,959	-2%
Smartt	$1,980	-1%
Cottage Grove	$2,075	+4%
Obion	$2,071	+4%
Buena Vista	$2,108	+6%
Eva	$2,043	+3%
Hollow Rock	$2,051	+3%
Idlewild	$2,057	+3%
Dukedom	$2,013	+1%
Hornbeak	$2,114	+6%
Kenton	$2,020	+1%
Troy	$2,103	+5%
Bakewell	$1,888	-5%
Birchwood	$1,925	-3%
Delano	$1,925	-3%
Gruetli Laager	$2,067	+4%
Lupton City	$1,904	-4%
Mc Donald	$1,885	-5%
Riceville	$1,930	-3%
Sequatchie	$2,090	+5%
Mitchellville	$1,924	-3%
Nunnelly	$2,089	+5%
Smyrna	$1,811	-9%
Westmoreland	$1,879	-6%
Pleasant Shade	$2,006	+1%
Tennessee Ridge	$2,243	+12%
Whites Creek	$2,061	+3%
Bells	$2,067	+4%
Braden	$2,156	+8%
Collierville	$2,122	+6%
Hornsby	$2,158	+8%
Laconia	$2,171	+9%
Lenox	$2,083	+5%
Mc Ewen	$2,152	+8%
Mcminnville	$1,905	-4%
Madison	$2,000	+0%
Petersburg	$2,025	+2%
Lowland	$1,904	-4%
Sevierville	$1,924	-3%
Shawanee	$2,036	+2%
Pigeon Forge	$1,945	-2%
Tazewell	$1,950	-2%
Knoxville	$1,896	-5%
Morristown	$1,851	-7%
Newport	$2,004	+1%
New Tazewell	$1,972	-1%
Petros	$2,078	+4%
Sneedville	$1,976	-1%
Walland	$1,864	-7%
Mount Juliet	$1,821	-9%
Old Hickory	$1,903	-4%
Only	$2,113	+6%
Palmyra	$1,931	-3%
Portland	$1,839	-8%
Readyville	$1,917	-4%
Thompsons Station	$1,786	-11%
Arrington	$1,837	-8%
Ashland City	$1,995	+0%
Auburntown	$2,002	+1%
Beechgrove	$1,960	-2%
Chapel Hill	$2,002	+1%
Cunningham	$1,934	-3%
Fairview	$1,869	-6%
Hartsville	$2,034	+2%
Lyles	$2,047	+3%
Bluff City	$1,667	-18%
Butler	$1,819	-9%
Chuckey	$1,807	-10%
Elizabethton	$1,742	-13%
Fall Branch	$1,677	-17%
Corryton	$1,900	-5%
Harrogate	$1,958	-2%
Johnson City	$1,675	-17%
Afton	$1,759	-12%
Mount Carmel	$1,741	-13%
Jonesborough	$1,651	-19%
Bean Station	$1,916	-4%
Bulls Gap	$1,784	-11%
Blountville	$1,679	-17%
Watauga	$1,728	-14%
Blaine	$1,936	-3%
Cumberland Gap	$1,966	-1%
Del Rio	$1,990	-0%
Greenback	$1,920	-4%
Jellico	$2,035	+2%
Lancing	$2,063	+4%
Hampton	$1,763	-12%
Telford	$1,669	-18%
Clairfield	$2,038	+2%
Greeneville	$1,806	-10%
Helenwood	$2,113	+6%
Jacksboro	$1,965	-1%
Lake City	$1,876	-6%
Lenoir City	$1,899	-5%
Midway	$1,797	-10%
Parrottsville	$2,039	+2%
Pioneer	$2,062	+3%
Robbins	$2,102	+5%
Rutledge	$1,958	-2%
Oliver Springs	$2,075	+4%
Ocoee	$1,912	-4%
Sherwood	$1,966	-1%
Viola	$1,940	-3%
Lavinia	$2,134	+7%
Luray	$2,120	+6%
Milan	$2,005	+1%
Selmer	$2,120	+6%
Collinwood	$2,087	+5%
Goodspring	$2,034	+2%
Lynnville	$1,987	-0%
Primm Springs	$1,930	-3%
Bloomington Springs	$1,966	-1%
Crossville	$1,882	-6%
Grimsley	$2,013	+1%
Englewood	$1,897	-5%
Georgetown	$1,922	-4%
Arthur	$2,049	+3%
Bybee	$2,025	+2%
Clinton	$1,879	-6%
Crab Orchard	$1,953	-2%
Friendsville	$1,814	-9%
Harriman	$2,014	+1%
Kyles Ford	$2,031	+2%
Benton	$1,965	-1%
Harrison	$1,873	-6%
Kelso	$1,986	-0%
Morrison	$1,925	-3%
Woodlawn	$1,928	-3%
Andersonville	$1,885	-5%
Deer Lodge	$2,016	+1%
Eagan	$2,023	+2%
Lone Mountain	$2,060	+3%
Maryville	$1,838	-8%
Mascot	$1,929	-3%
Oakdale	$2,092	+5%
Oak Ridge	$1,904	-4%
Oneida	$2,091	+5%
Powell	$1,882	-6%
Seymour	$1,922	-4%
Vonore	$1,934	-3%
Roan Mountain	$1,783	-11%
Dandridge	$1,888	-5%
Huntsville	$2,061	+3%
Trade	$1,840	-8%
Briceville	$1,923	-3%
Eidson	$1,769	-12%
Sunbright	$2,038	+2%
White Pine	$1,894	-5%
Sardis	$2,105	+6%
Ethridge	$2,036	+2%
Erwin	$1,785	-11%
Laurel Bloomery	$1,806	-10%
Mountain City	$1,814	-9%
Shady Valley	$1,819	-9%
Heiskell	$1,944	-2%
Arlington	$2,109	+6%
Whiteville	$2,226	+11%
Millington	$2,228	+11%
Alcoa	$1,835	-8%
Caryville	$2,010	+1%
Hartford	$2,025	+2%
Moss	$2,030	+2%
Germantown	$2,214	+11%
Medina	$2,041	+2%
Pinson	$2,038	+2%
Reagan	$2,082	+4%
Rutherford	$2,061	+3%
Saltillo	$2,151	+8%
Savannah	$2,099	+5%
Scotts Hill	$2,095	+5%
Hampshire	$2,010	+1%
Chestnut Mound	$1,979	-1%
Doyle	$1,934	-3%
Pickwick Dam	$2,118	+6%
Stantonville	$2,099	+5%
Mercer	$2,115	+6%
Cypress Inn	$2,079	+4%
Olivehill	$2,073	+4%
Williamsport	$1,991	-0%
Cookeville	$1,847	-7%
Brush Creek	$1,991	+0%
Clarkrange	$2,041	+2%
Elmwood	$2,037	+2%
Dunlap	$1,982	-0%
Estill Springs	$1,875	-6%
Etowah	$1,915	-4%
Hillsboro	$1,931	-3%
Lookout Mountain	$1,887	-5%
Mulberry	$1,984	-0%
Dyersburg	$2,068	+4%
Gates	$2,136	+7%
Ripley	$2,149	+8%
Somerville	$2,179	+9%
Williston	$2,191	+10%
Bolivar	$2,263	+13%
Cordova	$2,276	+13%
Mosheim	$1,788	-11%
Philadelphia	$1,940	-3%
Rogersville	$1,765	-12%
Sharps Chapel	$1,940	-3%
Townsend	$1,819	-9%
Washburn	$2,024	+2%
Winfield	$2,081	+4%
Parsons	$2,116	+6%
Chewalla	$2,131	+7%
Columbia	$1,922	-4%
Ardmore	$2,009	+1%
Duck River	$2,060	+3%
Frankewing	$2,044	+3%
Lutts	$2,022	+2%
Big Sandy	$2,117	+6%
Adamsville	$2,111	+6%
Bruceton	$2,119	+6%
Decaturville	$2,093	+5%
Enville	$2,070	+4%
Nolensville	$1,822	-9%
Stewart	$2,240	+12%
Watertown	$1,862	-7%
Waverly	$2,135	+7%
Milligan College	$1,758	-12%
Como	$2,077	+4%
Greenfield	$2,093	+5%
South Fulton	$2,052	+3%
Bradford	$2,069	+4%
Gibson	$2,067	+4%
Orlinda	$1,871	-6%
Riddleton	$2,011	+1%
White House	$1,907	-4%
Mohawk	$1,800	-10%
Mooresburg	$1,755	-13%
Tallassee	$1,862	-7%
Livingston	$1,996	+0%
Silver Point	$1,846	-8%
Whitleyville	$2,013	+1%
Lexington	$2,072	+4%
Paris	$2,056	+3%
Beech Bluff	$2,049	+3%
Cedar Grove	$2,093	+5%
Crump	$2,053	+3%
Darden	$2,146	+7%
Eaton	$2,064	+4%
Gadsden	$2,064	+4%
Humboldt	$2,024	+2%
Decherd	$1,909	-4%
Grandview	$1,960	-2%
Graysville	$1,992	+0%
Madisonville	$1,900	-5%
Palmer	$2,048	+3%
Reliance	$1,922	-4%
Tellico Plains	$1,962	-1%
Atwood	$2,099	+5%
Buchanan	$2,105	+6%
Dresden	$2,040	+2%
Henry	$2,045	+3%
Union City	$2,069	+4%
Camden	$2,108	+6%
Fruitvale	$2,121	+6%
Jacks Creek	$2,123	+6%
Rives	$2,056	+3%
Springville	$2,117	+6%
Trimble	$2,015	+1%
Henderson	$2,093	+5%
Holladay	$2,153	+8%
Huntingdon	$2,152	+8%
Mansfield	$2,099	+5%
Samburg	$2,072	+4%
Sharon	$2,033	+2%
Dyer	$2,083	+5%
Guys	$2,076	+4%
Gleason	$2,038	+2%
Puryear	$2,084	+5%
Trezevant	$2,122	+6%
Bethel Springs	$2,163	+8%
Finger	$2,168	+9%
Rickman	$2,004	+1%
Rock Island	$1,933	-3%
Spencer	$1,936	-3%
Walling	$1,923	-3%
Elgin	$2,023	+2%
Rugby	$2,038	+2%
Kingston	$2,038	+2%
Kodak	$1,915	-4%
La Follette	$2,002	+1%
Milton	$1,899	-5%
Pegram	$2,025	+2%
Smithville	$2,004	+1%
Cumberland Furnace	$2,089	+5%
Dixon Springs	$2,007	+1%
Eagleville	$1,886	-5%
Apison	$1,889	-5%
Ducktown	$1,949	-2%
Evensville	$2,008	+1%
Hixson	$1,880	-6%
Monteagle	$2,008	+1%
Old Fort	$1,953	-2%
Arnold Afb	$1,917	-4%
Whiteside	$2,040	+2%
Louisville	$1,830	-8%
Norris	$1,870	-6%
Limestone	$1,736	-14%
Mountain Home	$1,712	-15%
Loudon	$1,881	-6%
Carthage	$1,985	-0%
Centerville	$2,096	+5%
Dickson	$1,987	-0%
Joelton	$1,988	-0%
Rockvale	$1,839	-8%
White Bluff	$1,999	+0%
Ramer	$2,132	+7%
Sugar Tree	$2,119	+6%
Hohenwald	$2,005	+1%
Leoma	$1,995	+0%
Summertown	$2,012	+1%
Byrdstown	$2,056	+3%
Celina	$2,082	+4%
Gordonsville	$1,991	+0%
Hickman	$1,982	-0%
Maynardville	$1,983	-0%
New Market	$1,935	-3%
Rockwood	$2,046	+3%
Strawberry Plains	$1,955	-2%
Thorn Hill	$1,939	-3%
Whitesburg	$1,854	-7%
Church Hill	$1,750	-13%
Cosby	$1,992	+0%
Duff	$2,007	+1%
Jefferson City	$1,904	-4%
Rockford	$1,850	-7%
Russellville	$1,860	-7%
Speedwell	$1,994	+0%
Five Points	$1,997	+0%
Iron City	$2,035	+2%
Westpoint	$2,013	+1%
Jamestown	$2,051	+3%
Mc Lemoresville	$2,122	+6%
Huron	$2,146	+7%
Atoka	$2,165	+8%
Grand Junction	$2,333	+16%
Moscow	$2,233	+11%
Rossville	$2,143	+7%
Pall Mall	$2,056	+3%
Sparta	$1,880	-6%
Quebeck	$1,928	-3%
Newcomb	$2,043	+3%
Niota	$1,884	-6%
Powder Springs	$1,969	-1%
Sweetwater	$1,908	-4%
Talbott	$1,879	-6%
Oakfield	$2,053	+3%
Spring Creek	$2,015	+1%
Dellrose	$2,012	+1%
Taft	$2,051	+3%
Allons	$2,010	+1%
Bogota	$2,130	+7%
Crockett Mills	$2,090	+5%
Hickory Valley	$2,309	+15%
Saulsbury	$2,307	+15%
Tigrett	$2,088	+5%
Wildersville	$2,144	+7%
Culleoka	$1,956	-2%
Elkton	$2,027	+2%
Prospect	$2,052	+3%
Allred	$1,981	-1%
Crawford	$2,007	+1%
Hilham	$1,994	+0%
Monroe	$1,994	+0%
Wilder	$2,015	+1%
Lancaster	$2,032	+2%
Monterey	$1,903	-5%
Shiloh	$2,071	+4%
Yuma	$2,089	+5%
Denmark	$2,055	+3%
Loretto	$2,000	+0%
Alpine	$2,014	+1%
Gainesboro	$1,968	-1%
Friendship	$2,121	+6%
Henning	$2,220	+11%
Pocahontas	$2,207	+10%
Brighton	$2,224	+11%
Brunswick	$2,234	+11%
La Grange	$2,126	+7%
Mason	$2,236	+12%
Tipton	$2,223	+11%
Drummonds	$2,225	+11%
Middleton	$2,273	+13%
Munford	$2,162	+8%
Tiptonville	$2,093	+5%
Ridgely	$2,146	+8%
Covington	$2,203	+10%
Halls	$2,120	+6%
Oakland	$2,134	+7%
Alamo	$2,099	+5%
Finley	$2,099	+5%
Gallaway	$2,198	+10%
Newbern	$2,071	+4%
Wynnburg	$2,147	+8%
Brownsville	$2,149	+8%
Burlison	$2,215	+11%
Eads	$2,169	+9%
Ellendale	$2,338	+16%
Macon	$2,194	+10%
Maury City	$2,071	+4%
Stanton	$2,178	+9%
Michie	$2,117	+6%
Morris Chapel	$2,094	+5%
Yorkville	$2,051	+3%
Lawrenceburg	$1,983	-0%
Mount Pleasant	$1,974	-1%
Saint Joseph	$1,971	-1%
Waynesboro	$2,027	+2%
Allardt	$2,083	+4%
Buffalo Valley	$1,904	-4%
Medon	$2,047	+3%
Silerton	$2,181	+9%
Trenton	$2,028	+2%
Pulaski	$2,003	+1%
Santa Fe	$1,948	-2%
Baxter	$1,871	-6%
Campaign	$2,033	+2%
Bradyville	$1,979	-1%
Cornersville	$2,015	+1%
Cumberland City	$2,204	+10%
Gallatin	$1,841	-8%
Hurricane Mills	$2,136	+7%
Liberty	$2,027	+2%
Milledgeville	$2,074	+4%
Toone	$2,199	+10%
Westport	$2,170	+9%
Clifton	$2,047	+3%
Minor Hill	$2,022	+2%
Granville	$1,995	+0%
Luttrell	$2,021	+1%
Surgoinsville	$1,757	-12%
Ten Mile	$2,008	+1%
Wartburg	$2,078	+4%
Pleasant Hill	$1,895	-5%

Average car insurance costs by age and gender in Tennessee

Some states restrict car insurance companies from using your age and gender to determine your car insurance premium, but not Tennessee. The average car insurance cost in Tennessee is generally higher the younger you are. This is because younger drivers have less experience behind the wheel and are viewed as riskier to insure than older, more experienced drivers.

Age 40

Average annual full coverage premium in TN

$2,009

Average minimum coverage premium in TN

$502

Age 50

Average annual full coverage premium in TN

$1,869

Average minimum coverage premium in TN

$487

Age 60

Average annual full coverage premium in TN

$1,772

Average minimum coverage premium in TN

$473

Age 70

Average annual full coverage premium in TN

$2,069

Average minimum coverage premium in TN

$570


Age 16*	Average annual full coverage premium in TN $5,189	Average minimum coverage premium in TN $1,518
Age 18	Average annual full coverage premium in TN $6,880	Average minimum coverage premium in TN $1,926
Age 20	Average annual full coverage premium in TN $4,708	Average minimum coverage premium in TN $1,254
Age 25	Average annual full coverage premium in TN $2,660	Average minimum coverage premium in TN $663
Age 30	Average annual full coverage premium in TN $2,194	Average minimum coverage premium in TN $535
Age 40	Average annual full coverage premium in TN $2,009	Average minimum coverage premium in TN $502
Age 50	Average annual full coverage premium in TN $1,869	Average minimum coverage premium in TN $487
Age 60	Average annual full coverage premium in TN $1,772	Average minimum coverage premium in TN $473
Age 70	Average annual full coverage premium in TN $2,069	Average minimum coverage premium in TN $570

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age 40

Average annual full coverage premium in TN

$1,973

Average minimum coverage premium in TN

$505

Age 50

Average annual full coverage premium in TN

$1,827

Average minimum coverage premium in TN

$485

Age 60

Average annual full coverage premium in TN

$1,729

Average minimum coverage premium in TN

$470

Age 70

Average annual full coverage premium in TN

$2,039

Average minimum coverage premium in TN

$571


Age 16*	Average annual full coverage premium in TN $4,577	Average minimum coverage premium in TN $1,363
Age 18	Average annual full coverage premium in TN $5,934	Average minimum coverage premium in TN $1,701
Age 20	Average annual full coverage premium in TN $4,102	Average minimum coverage premium in TN $1,130
Age 25	Average annual full coverage premium in TN $2,511	Average minimum coverage premium in TN $651
Age 30	Average annual full coverage premium in TN $2,139	Average minimum coverage premium in TN $538
Age 40	Average annual full coverage premium in TN $1,973	Average minimum coverage premium in TN $505
Age 50	Average annual full coverage premium in TN $1,827	Average minimum coverage premium in TN $485
Age 60	Average annual full coverage premium in TN $1,729	Average minimum coverage premium in TN $470
Age 70	Average annual full coverage premium in TN $2,039	Average minimum coverage premium in TN $571

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Bankrate’s take: Men face higher average car insurance rates than women because, statistically, men are more likely to not wear seatbelts, drive under the influence, exceed the speed limit and engage in other dangerous driving behaviors. To account for the added risk of insuring male drivers, insurers generally charge men higher insurance rates — but not indefinitely. In Tennessee, the gap between male and female car insurance rates appears to narrow from age 30 onward.

Cost considerations for young drivers in Tennessee

Teens and young drivers pay some of the highest car insurance premiums, partly due to their tendency to exhibit risky driving behaviors. One strategy parents might employ to help bring these premiums down is to list their young driver on their policy. However, your car insurance company may require that your young adult child lives in your household for this to be an option. You may want to reach out to your insurance agent to discuss if this tactic could be right for you and your family.


Age 16*	Avg. annual premium for drivers in TN $4,883
Age 17	Avg. annual premium for drivers in TN $4,545
Age 18	Avg. annual premium for drivers in TN $4,054
Age 19	Avg. annual premium for drivers in TN $3,511
Age 20	Avg. annual premium for drivers in TN $3,260

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied


Age 18	Avg. annual premium for drivers in TN $6,407
Age 19	Avg. annual premium for drivers in TN $4,945
Age 20	Avg. annual premium for drivers in TN $4,405

*16-year-old calculated on parents' policy with discounts applied; 18- and 20-year-old are renters on their own policies with no discounts applied

Age	Avg. annual premium difference for drivers on their own policy
Age 18	58 percent more
Age 19	41 percent more
Age 20	35 percent more

*18- and 20-year-old are renters on their own policies with no discounts applied

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How does driving record impact the cost of car insurance in Tennessee?

One of the biggest factors that will impact how much car insurance is in Tennessee is your driving record. Even a single speeding ticket or a minor accident might cause a major increase in your car insurance premium. While speeding, at-fault accidents and DUIs can all raise your rates, a DUI is perhaps the most serious offense. Drivers with a DUI conviction on their records will likely not only pay more for insurance, but may also struggle to find coverage, as not all insurers write policies for such drivers. Those who fit this profile may need a company that specializes in high-risk auto insurance and can file an SR-22 certificate on their behalf.

See how certain traffic violations could impact your car insurance rate in Tennessee in the table below.


Clean driving record	Avg. annual premium* in TN $1,991	Percentage increase from TN avg. annual premium* 0%
Speeding ticket conviction	Avg. annual premium* in TN $2,504	Percentage increase from TN avg. annual premium* 26%
At-fault accident	Avg. annual premium* in TN $2,878	Percentage increase from TN avg. annual premium* 45%
DUI conviction	Avg. annual premium* in TN $4,447	Percentage increase from TN avg. annual premium* 123%

*The rates reflected are for full coverage policies.

Car insurance rates in Tennessee by credit score

In Tennessee, car insurance companies may use your credit-based insurance score as a rating factor when calculating your rates. Those with poor and average credit usually pay more for insurance than drivers with good and excellent credit.


Poor	Avg. annual premium* in TN $4,342	Percentage change from TN average annual premium* 118%
Average	Avg. annual premium* in TN $2,291	Percentage change from TN average annual premium* 15%
Good	Avg. annual premium* in TN $1,991	Percentage change from TN average annual premium* 0%
Excellent	Avg. annual premium* in TN $1,604	Percentage change from TN average annual premium* -19%

*Rates reflect full coverage policies.

Tennessee car insurance rates by vehicle type

Your vehicle’s make and model may also impact your car insurance rates. Most of the time, luxury vehicles, sports cars and large trucks cost more to insure. There are, however, exceptions to this rule. For instance, some standard economy sedans may have relatively high rates because they are stolen more often, simply because there are more of them on the road. For this reason, if you're considering a new vehicle, it may be a good idea to request quotes for each type of vehicle you’re thinking about to find the cheapest car insurance.


Toyota Camry	Avg. annual premium* in TN $1,991
Ford F-150	Avg. annual premium* in TN $1,939
Honda Odyssey	Avg. annual premium* in TN $1,844
BMW 330i	Avg. annual premium* in TN $2,571
Toyota Prius	Avg. annual premium* in TN $2,038

*Rates reflect full coverage policies.

Estimate your car insurance cost in Tennessee

There’s a lot that goes into car insurance costs — so much so that it can feel impossible to determine what you’ll pay for coverage. Bankrate can help. After you enter some basic information in the calculator tool below, we’ll give you an estimate of your car insurance rate based on factors insurers consider that are unique to your situation. It’s not an exact quote, but our estimate can give you better insight into your car insurance costs to help with budgeting.

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How to save on car insurance in Tennessee

Under Tennessee law, drivers are required to carry certain amounts of insurance coverage. There are a number of ways you may be able to save money on car insurance in Tennessee, though. Here are some strategies you might consider:

Get multiple quotes: Before you settle on an insurance company, get a few quotes from different providers and compare them to see which carrier can offer the lowest rate for the type and amount of coverage you need.
Look for discounts: When you are comparing insurance companies, look for providers that offer multiple discounts you can take advantage of. The more discounts you qualify for, the more money you might save.
Pay in full: Most insurance companies will lower your car insurance rate if you pay the annual premium up front and in full, rather than in 12 or six monthly installments.
Maintain a clean driving record: As demonstrated by the tables above, a clean driving record may be one of the best strategies for keeping your rates low. Avoiding tickets and accidents could help keep your rates steady.
Raise your deductible: Your insurance provider could lower your rate if you agree to pay a higher deductible. But, be careful to not raise it too high. Make sure that if you do agree to a higher deductible, the amount is still something you can reasonably afford to pay at a moment’s notice in the case of a claim.
Consider liability-only coverage: It may not be for everyone, but if you’re someone who wants to pay the least per month, you might want to choose a liability-only policy. The average cost of liability insurance in Tennessee is over $1,000 less per year than full coverage and could help with your monthly expenses. However, if you find yourself needing to file a claim, you could face higher out-of-pocket costs.

Frequently asked questions

To find the best car insurance company in Tennessee for your needs, it can be helpful to first consider your priorities. For example, if low cost is most important to you, you may choose a different company than your neighbor who is looking for the best possible customer service or highly-developed digital tools. Taking the time to think about what you're looking for from your policy can be a good first step in finding the coverage that works for you. After that, most insurance experts recommend gathering several quotes from companies that offer the coverage options you need or want to see which offers you the most competitive rate.
In Tennessee, the average annual cost of car insurance is $1,991 for a full coverage policy and $504 for a minimum coverage policy. That means on average, you would pay about $166 per month for full coverage and around $42 per month for minimum coverage.
The cheapest car insurance company is different for everyone. There are hundreds of car insurance carriers on the market, and each one charges a different rate for coverage. You will likely want to shop around and get a few quotes before choosing a carrier to make sure you are getting the best rate.
Unless you post a $65,000 bond or cash deposit with the state, Tennessee car insurance laws mandate that all drivers must carry insurance. As of January 1, 2023, Tennessee drivers are required to carry minimum liability limits of:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
If you are caught driving uninsured, you might face fines, be required to carry an SR-22 and have your driver’s license suspended.

Premium

A premium is the amount the policyholder pays to the insurance company, typically on a monthly, semi-annual or annual basis, to maintain an active insurance policy.

Full coverage car insurance

Full coverage car insurance provides physical damage coverage for your own vehicle. It typically includes comprehensive and collision coverage in addition to state-mandated liability coverage.

Deductible

A deductible is the amount the policyholder agrees to pay out-of-pocket before the insurance company begins to cover expenses related to a claim.

Methodology

Bankrate utilizes Quadrant Information Services to analyze July 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.

Written by

Natalie Todoroff

Writer II, Insurance

Average cost of car insurance in Tennessee for 2025

How much is car insurance in Tennessee?

Key takeaways

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Tennessee car insurance rates by city

Average car insurance costs by age and gender in Tennessee

Cost considerations for young drivers in Tennessee

Compare auto insurance rates

How does driving record impact the cost of car insurance in Tennessee?

Car insurance rates in Tennessee by credit score

Tennessee car insurance rates by vehicle type

Estimate your car insurance cost in Tennessee

Calculate your monthly car insurance payment

How to save on car insurance in Tennessee

Frequently asked questions

What is the best car insurance company in Tennessee?

How much is car insurance per month in Tennessee?

What is the cheapest car insurance company in Tennessee?

Do you need to have car insurance in Tennessee?

Key terms in this article

Methodology

Rates

Other profiles

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Incidents:

Mileage:

Model:

Age:

Gender:

Status: