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Best car insurance in Tennessee for 2022

Updated Dec 02, 2022
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With so many options available, finding the best car insurance in Tennessee can feel overwhelming. Bankrate has done the research to help drivers find the best coverage at an affordable rate by vetting dozens of carriers in the Volunteer State. When comparing rates, consider the average cost of car insurance in Tennessee, which is $1,383 for full coverage and $372 for minimum coverage per year.

Auto Insurance
Key takeaways
  • Tennessee drivers pay, on average, $1,383 for full auto coverage and $372 for minimum coverage annually.
  • Bankrate found Geico, Travelers and State Farm to be among the best car insurance companies in Tennessee.
  • Murfreesboro, Chattanooga and Clarksville are some of the cheapest cities for average car insurance costs in Tennessee.

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How Bankrate chose the best car insurance companies in Tennessee

Bankrate chose the best car insurance companies in Tennessee by evaluating criteria and rating each carrier. Factors used to determine the best auto insurance in Tennessee include average annual quoted premiums, coverage options, available discounts, customer satisfaction scores, third-party rankings, financial strength ratings and mobile and online accessibility. These criteria also help to make up the Bankrate Score, which is a five-point scale rating that shoppers can use to help them decide which company may excel in the categories that matter the most to them.

Best car insurance companies in Tennessee

After analyzing each company, Bankrate found that the top three companies with the best car insurance in Tennessee are Geico, Travelers and State Farm, according to data provided by Quadrant Information Services. Drivers searching for Tennessee car insurance can use the table below to review average annual quoted premiums from the top five carriers, J.D. Power customer satisfaction scores in the Southeast region and Bankrate Scores. For comparison purposes, the average annual cost of car insurance in Tennessee is $372 for minimum coverage and $1,383 for full coverage.

Geico
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power
843
/1,000
Annual full coverage premium
$993
Annual min coverage premium
$208
Travelers
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power
839
/1,000
Annual full coverage premium
$1,126
Annual min coverage premium
$310
State Farm
Rating: 4.7 stars out of 5
4.7
Bankrate Score
Info Hover for more
J.D. Power
855
/1,000
Annual full coverage premium
$845
Annual min coverage premium
$205
Erie
Rating: 4.6 stars out of 5
4.6
Bankrate Score
Info Hover for more
J.D. Power
868
/1,000
Annual full coverage premium
$1,315
Annual min coverage premium
$325
Nationwide
Rating: 4.4 stars out of 5
4.4
Bankrate Score
Info Hover for more
J.D. Power
850
/1,000
Annual full coverage premium
$1,430
Annual min coverage premium
$498
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

Best car insurance company for digital tools

J.D. Power:
843 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 208
Avg annual premium for full coverage:
$ 993
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for customized coverage

J.D. Power:
839 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 310
Avg annual premium for full coverage:
$ 1,126
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for low rates

J.D. Power:
855 /1,000
AM Best:
A ++
Avg. annual premium for minimum coverage:
$ 205
Avg annual premium for full coverage:
$ 845
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for customer satisfaction

J.D. Power:
868 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 325
Avg annual premium for full coverage:
$ 1,315
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Best car insurance company for safe driving programs

J.D. Power:
850 /1,000
AM Best:
A +
Avg. annual premium for minimum coverage:
$ 498
Avg annual premium for full coverage:
$ 1,430
Get a personalized quote

Answer a few questions to see personalized rates from top carriers.

Average car insurance cost in Tennessee

The average annual premium in Tennessee for minimum auto coverage is $372, compared to $1,383 for full coverage. This is well below the national annual averages $545 for minimum coverage and $1,771 for full coverage. This is likely due in part to the state’s lack of heavy traffic, which may reduce the risk of claims. Tennessee drivers pay less on average, than drivers in several neighboring states. For example, Kentucky and Missouri have average full coverage rates of $1,954 and $1,893 per year, respectively.

Average annual premium for minimum coverage in Tennessee Average annual premium for full coverage in Tennessee
$372 $1,383

Auto insurance premiums may differ depending on what state you live in. This is because companies may have their own specific rating factors for different geographic locations. The factors influencing premiums in Tennessee and other states may include the amount of minimum required insurance, the likelihood of being in an accident, how severe accidents tend to be, and the likelihood of non-accident related claims like hail damage, flood or theft.

How to find the best car insurance in Tennessee

The best car insurance in Tennessee will likely differ based on your preferences and unique circumstances. To find the best car insurance in Tennessee, you might start by considering minimum insurance requirements, lender needs (if applicable) and your own needs for coverage.

Consider minimum insurance requirements in Tennessee

Tennessee law requires drivers to obtain at least a minimum amount of liability car insurance. This coverage could provide a minimal level of financial protection if you cause a covered accident. In lieu of liability insurance, the Tennessee Department of Revenue will allow drivers to show proof of financial responsibility, which means making a cash deposit or posting a bond with the Department for $65,000.

Although state minimum liability levels are a legal requirement, they may not be enough to pay for the damages you could cause in an at-fault accident, leaving you with substantial potential out-of-pocket expenses. Most insurance professionals agree that purchasing higher liability limits is advisable, as it may provide more financial protection than minimum coverage.

Consider lender requirements

If you finance or lease your car, lenders often have requirements that are higher than the state minimums. Lenders usually require comprehensive and collision coverage, also known as full coverage, which may pay to repair or replace your car in a covered incident These lender requirements are in place to protect the lender until you pay the loan or lease agreement in full.

Consider your individual needs

Tennessee is vulnerable to natural disasters, such as tornadoes and other severe weather events, including hailstorms and floods, which may make purchasing comprehensive insurance something to consider. Other common endorsements that may fit your needs include gap insurance for vehicles with a loan or lease and rental car reimbursement coverage for those with access to only one car.

According to the Insurance Information Institute, Tennessee had the third-highest percentage of uninsured motorists in the U.S. in 2019, with nearly 24 percent of all drivers estimated to be uninsured. To protect yourself from the financial consequences of being in an accident with an uninsured or underinsured motorist, you may want to consider purchasing uninsured and underinsured motorist coverage.

Car insurance discounts in Tennessee

Although the average rate for car insurance for Tennessee drivers is less than the national average, there could be ways to lower your premium even further by taking advantage of discounts like:

  • Multi-policy: Insuring more than just your car with the same carrier may result in savings. Bundling your auto and home insurance could reduce how much you pay for your auto policy. Some companies also offer bundling discounts for boat, life insurance and other policy types.
  • Safe driver: Many carriers offer potential safe driving discounts for drivers with clean driving records who avoid high-risk driving practices. This discount can often be applied along with other safe driving discounts, like a defensive driving discount. Senior drivers age 55 and older may be able to complete a state-approved defensive driving safety course for additional potential savings.
  • Vehicle safety: Buying a new car with advanced safety features such as forward collision warning, blind spot warning and lane departure warning systems could also help reduce the cost of auto insurance. Although buying a new car is likely not the most affordable way to reduce your premium, if you're already in the market for a new vehicle, safety features could be one factor to consider.
  • Young driver: Teen drivers are typically expensive to insure due to their lack of experience and high accident rates. One way you could lower how much you pay for car insurance for your young driver is to take advantage of discounts. With good grades in high school or college, your teen driver may be eligible for a good student discount with many auto insurers.

Discounts can be extremely helpful in securing a car insurance policy that is both affordable and sufficiently meets the needs of you and your family. It pays to take the time to understand just how you may qualify for discounts.

Since every company has its own range of discounts, a good way to see if you are taking advantage of all possible savings opportunities is to review your auto insurer’s website, talk to your insurance agent or speak directly with your carrier’s customer service representatives.

Frequently asked questions

Written by
Mandy Sleight
Insurance Contributor

Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.

Edited by Insurance Editor
Reviewed by Director of corporate communications, Insurance Information Institute