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Cheap Auto Insurance in Tennessee for 2025 (10 Best TN Companies for Savings)

State Farm, Geico, and Farmers provide cheap auto insurance in Tennessee, with rates starting at $22 monthly. Tennessee requires 25/50/15 liability coverage, making reliable affordable coverage essential given the state's concerning 20% uninsured driver rate that leaves responsible drivers vulnerable to financial risk.

Free Auto Insurance Comparison

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Laura Gunn

Insurance and Finance Writer

Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare.  Her experience in various industries has helped develop both her ...

Insurance and Finance Writer

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...

Licensed Insurance Agent

UPDATED: May 19, 2025

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Cheapest in TN: State Farm
4.3

Company Facts

Min. Coverage in Tennessee

$22/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Competitive rates for good drivers
  • Large network of agents
  • Strong customer service
  • Many discounts
  • Good bundling options
  • Higher rates for high-risk drivers
  • Fewer online tools
  • Limited specialty coverage
2nd Cheapest in Tennessee: Geico
4.1

Company Facts

Min. Coverage in Tennessee

$24/mo

A.M. Best Rating

A++

Complaint Level

Low

Pros & Cons

  • Low rates for most drivers
  • Many discounts available
  • Easy online & mobile tools
  • Strong customer service
  • Nationwide availability
  • Limited local agents
  • Higher rates for high-risk drivers
  • Fewer coverage options
3rd Cheapest in Tennessee: Farmers
4.2

Company Facts

Min. Coverage in Tennessee

$27/mo

A.M. Best Rating

A

Complaint Level

High

Pros & Cons

  • Extensive Coverage
  • Discount Options
  • High Customer Service Ratings
  • UBI Discount
  • High Premiums
  • Limited Discounts
  • Slow Claims

State Farm, Geico, and Farmers are the top picks for cheap auto insurance in Tennessee, with rates as low as $22 per month. State Farm takes the top spot with massive discounts through its Drive Safe & Save program.

Cheap Auto Insurance in Tennessee: State Farm, Geico, Farmers

It is followed by Geico, which is a great option for tech-friendly Tennessee motorists with its popular app and military discount.

Farmers complete the top three with $27 monthly premiums and exclusive features such as accident forgiveness and rideshare coverage.

Our Top 10 Company Picks: Cheap Auto Insurance in Tennessee

CompanyRankA.M. BestMonthly
Rates
Best ForJump to Pros/Cons
State Farm: Cheap Auto Insurance in Tennessee#1A++$22Reliable ServiceState Farm
Geico: Cheap Auto Insurance in Tennessee#2A++$24Employee DiscountsGeico
Farmers: Cheap Auto Insurance in Tennessee#3A$27Family PlansFarmers
Travelers: Cheap Auto Insurance in Tennessee#4A++$28Industry ExperienceTravelers
Progressive: Cheap Auto Insurance in Tennessee#5A+$29Roadside AssistanceProgressive
American Family: Cheap Auto Insurance in Tennessee#6A$32Student DriversAmerican Family
Liberty Mutual: Cheap Auto Insurance in Tennessee#7A$33New VehiclesLiberty Mutual
Nationwide: Cheap Auto Insurance in Tennessee#8A+$37Policy OptionsNationwide
Allstate: Cheap Auto Insurance in Tennessee#9A+$45New DriversAllstate
Erie: Cheap Auto Insurance in Tennessee#10A+$46Superior ClaimsErie

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Tennessee requires at least 25/50/15 liability limits to drive, with a 20% uninsured motorist rate (5th highest in the country).

Car insurance rates vary by location, with Memphis having the highest and Central City having the lowest.

Can't-Miss Facts

  • Location impacts rates. Memphis pays more than the lowest-cost areas
  • Insurers with 50-100% loss ratios indicate financial stability
  • Policy bundling offers substantial discounts from major carriers

Enter your ZIP code online to start your search for cheap car insurance in Tennessee and compare personalized quotes to find a policy that fits your budget and driving needs.

Table of Contents

#1 State Farm: Top Overall Pick

State Farm- cheap auto insurance in Tennessee

Pros

  • Outstanding Customer Service: State Farm is renowned for its robust local agent network and personalized attention. Read more in our full review of State Farm’s auto insurance.
  • Competitive Rates: State Farm offers some of the lowest prices for auto insurance in Tennessee, making it an ideal choice for budget-conscious drivers seeking affordable coverage.
  • Safe Driver Discounts: Tennessee motorists can save a lot of money with programs such as Drive Safe & Save, which gives customers lower premiums for good driving.

Cons

  • Restricted Discounts: State Farm offers fewer discount options than its rivals, limiting additional savings opportunities.
  • Average Digital Tools: Both the website and mobile apps could be more advanced for a smoother experience.

Enter your ZIP code below to compare auto insurance rates.

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#2 Geico: Cheapest for Employee Discounts

Geico- cheap auto insurance in Tennessee

Pros

  • Low Rates: Geico is renowned for offering some of the lowest rates in the market. Learn more about Geico’s rates in our Geico auto insurance company review.
  • Strong Web Presence: Geico has a user-friendly website and mobile app that is easy for Tennessee drivers to use to administer cheap auto insurance policies.
  • Discounts: Geico offers various discounts, including multi-policy, military, and good driver discounts, which help Tennessee drivers lower their insurance costs.

Cons

  • Restricted Agent Network: Geico relies heavily on digital tools, which might limit the personalized service for Tennessee drivers who prefer in-person assistance.
  • Higher Rates for High-Risk Drivers: In Tennessee, drivers with a history of accidents or poor credit may face significantly higher premiums.

#3 Farmers: Cheapest for Discounts Variety

Farmers- cheap auto insurance in Tennessee

Pros

  • Outstanding Customer Service: Farmers offers excellent customer service, providing personalized support from local agents and 24/7 claims assistance.
  • Plenty of Coverage: Farmers offers a range of coverage choices for Tennessee drivers, including unique add-ons such as rideshare and new car replacement insurance.
  • Accident Forgiveness: Farmers’ accident forgiveness program helps drivers avoid premium increases after their first accident, a great benefit for Tennessee drivers.

Cons

  • Higher Premiums: Farmers’ premiums can be more expensive than those of other providers, which might impact your ability to find the cheapest rates in Tennessee.
  • Limited Discounts: Fewer discount opportunities may limit savings for budget-conscious drivers. Take a look at our Farmers Insurance company review to learn more.

#4 Travelers: Cheapest With Custom Policies

Travelers- cheap auto insurance in Tennessee

Pros

  • Competitive Prices: Travelers provide affordable rates, especially for Tennessee drivers with clean driving records.
  • Coverage Choices:Travelers offer a wide range of coverage options, including collision and comprehensive coverage, enabling Tennessee drivers to tailor their policies for affordable protection.
  • Homeowner Discounts: Attractive bundling options allow TN homeowners to combine policies and save. For more information, read our Travelers company review.

Cons

  • Claims Satisfaction Below Average: Some policyholders report dissatisfaction with the claims process.
  • Limited Support for Local Agents: Primarily relies on digital tools, which may lack a personal touch.

Enter your ZIP code below to compare auto insurance rates.

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#5 Progressive: Cheapest With Flexible Plans

Progressive- cheap auto insurance in Tennessee

Pros

  • Reasonably priced rates: Progressive is recognized for offering competitive rates. Learn more about its monthly rates in our Progressive auto insurance company review.
  • Snapshot Program: Progressive’s usage-based program rewards safe driving practices with potential discounts, helping drivers secure cheap auto insurance in Tennessee.
  • Multi-Policy Discounts: Tennessee residents can enjoy substantial savings when bundling auto, renters, and home insurance.

Cons

  • Claims Satisfaction: Some customers in Tennessee have expressed dissatisfaction with the claims process, noting delays or challenges.
  • High Rates for Low-Risk Drivers: Low-risk drivers might not qualify for Progressive’s lowest rates, which could affect its affordability.

#6 American Family: Cheapest for Student Drivers

American family- cheap auto insurance in Tennessee

Pros

  • Personalized Service: Well-known for providing excellent customer service via a network of local agents, American Family offers personalized attention to its customers.
  • Flexible Coverage: State Farm offers a variety of insurance options tailored to fit different drivers’ needs, making it easier to secure cheap auto insurance in Tennessee.
  • Safe Driving Program: Encourages safe driving practices with potential savings through initiatives that reward responsible drivers in Tennessee. Bundling

Cons

  • Restricted Availability: The coverage may not be available in all states, limiting access for some Tennessee drivers. Find out more in our American Family review.
  • Average Claims Process: Some customers report delays or issues in the claims processing, which can impact their satisfaction.

#7 Liberty Mutual: Cheapest for New Vehicles

Liberty Mutual- cheap auto insurance in Tennessee

Pros

  • Customized Coverage: Liberty Mutual offers adaptable plans that can be tailored to meet specific needs, providing options such as new car replacement and accident forgiveness.
  • Many Discounts: Liberty Mutual offers various discounts, including savings for students, military personnel, and multi-policyholders, making it a good option for Tennessee drivers.
  • Robust Digital Tools: Their user-friendly app enables easy policy management and claims submission, helping Tennessee drivers stay informed about their insurance.

Cons

  • Higher Rates: Some Tennessee drivers report that Liberty Mutual’s rates may be higher than those of other providers. Learn more about this in our Liberty Mutual company review.
  • Conflicting Claims Reviews: A few policyholders have expressed dissatisfaction with the claims process, mentioning delays or issues.

Enter your ZIP code below to compare auto insurance rates.

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#8 Nationwide: Cheapest With Policy Options

Nationwide- cheap auto insurance in Tennessee

Pros 

  • Variety of Coverage: State Farm offers a wide range of coverage options, including vanishing deductibles and accident forgiveness, enabling Tennessee drivers to tailor their policies.
  • On Your Side Review: Offers yearly policy evaluations to ensure Tennessee drivers get the best rates for cheap auto insurance.
  • Fantastic Bundling Discounts: Tennessee residents can save significantly by bundling auto and home insurance policies.

Cons

  • Average Rates: Nationwide offers reasonable rates, but they may not always be the most competitive for Tennessee drivers.
  • Claims Processing: A few Tennessee clients reported slower-than-expected claims processing times. You can learn more in our Nationwide auto insurance review.

#9 Allstate: Cheapest for New Drivers

Allstate- cheap auto insurance in Tennessee

Pros

  • Large Discounts: Allstate provides several discounts, including safe driver and excellent student discounts, helping Tennessee drivers save on premiums.
  • Local Agents: Tennessee drivers benefit from tailored support through a vast network of agents that offer personalized service.
  • Accident Forgiveness: Helps Tennessee drivers avoid rate increases after their first accident, a valuable feature for keeping premiums low.

Cons

  • Average Customer Satisfaction: Some customers have mixed feelings about the handling of claims. Read more about this provider in our Allstate auto insurance review.
  • Limited Digital Tools: The online and mobile platforms could be more user-friendly for easier policy management.

# 10 Erie: Cheapest With Superior Claims

Erie- cheap auto insurance in Tennessee

Pros

  • Affordable: Erie offers some of the most affordable auto insurance quotes, particularly for Tennessee drivers seeking budget-friendly options.
  • Comprehensive Coverage: Erie offers a wide range of coverage options, including rental car and roadside assistance, making it an attractive choice for cheap auto insurance in Tennessee.
  • Additional Benefits: It offers unique perks, such as rate lock and first-accident forgiveness, which is ideal for Tennessee drivers seeking extra value.

Cons

  • Limited Availability: Erie is only available in 12 states, including Tennessee, which may limit accessibility for residents in other areas.
  • Policy Customization: Fewer customization options compared to larger insurers. Dive into our in-depth Erie auto insurance review to find the best policy for your needs.

Enter your ZIP code below to compare auto insurance rates.

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Auto Insurance Costs in Tennessee

Tennessee auto insurance rates vary big time between minimum liability and full coverage. Here’s a table of monthly rates from the top insurers to show you what you can expect to pay for basic state-required coverage vs full coverage.

Tennessee Auto Insurance Monthly Rates by Coverage Level

Insurance CompanyMinimum CoverageFull Coverage
Allstate: Cheap Auto Insurance in Tennessee$45$144
American Family: Cheap Auto Insurance in Tennessee$32$102
Erie: Cheap Auto Insurance in Tennessee$46$105
Farmers: Cheap Auto Insurance in Tennessee$27$86
Geico: Cheap Auto Insurance in Tennessee$24$78
Liberty Mutual: Cheap Auto Insurance in Tennessee$33$184
Nationwide: Cheap Auto Insurance in Tennessee$37$118
Progressive: Cheap Auto Insurance in Tennessee$29$92
State Farm: Cheap Auto Insurance in Tennessee$22$72
Travelers: Cheap Auto Insurance in Tennessee$28$88

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State Farm is the cheapest for both minimum ($22) and full coverage ($72) in Tennessee. Minimum coverage options meets the legal requirement but full coverage covers collision, comprehensive claims and uninsured drivers. With 20% of Tennessee drivers being uninsured, full coverage can save you from big out of pocket expenses after an accident.

Tennessee’s Premiums as a Percentage of Income

Your annual per capita income—post-tax earnings—affects the average car insurance cost in Tennessee. Your car insurance premium is the annual cost you pay for your policy. In 2014, Tennessee’s per capita income was $36,909. The average full coverage car insurance cost was $855.

Living in larger cities like Memphis affects car insurance rates, but comparing the best car insurance companies can help you find cheap auto insurance in Tennessee.

Chris Abrams Licensed Insurance Agent

Tennesseans pay an average of 2.32% of their annual disposable income on car insurance, which is $71 per month for full coverage. Rates may vary with smaller policies.

Percentage of Income Definition Crad: cheap auto insurance in Tennessee

Americans pay an average of $98 monthly for full coverage car insurance, with an average salary of $40,859. Kentucky’s average insurance premium is $91 per month, Alabama’s is $83, and Georgia’s is $99 for full coverage.

How Location Affects Auto Insurance in Tennessee

Where you live also has a significant impact on car insurance rates. Find your ZIP code in the tables below.

Tennessee 25 Cheapest Full Coverage Auto Insurance by ZIP Codes

ZIPCityMonthly
Rates
Cheapest
Company
Cheapest
Rate
2nd Cheapest Company2nd Cheapest Rate
37601Johnson$264State Farm$193Travelers$199
37614Johnson$265State Farm$199Travelers$202
37620Bristol$265State Farm$180Travelers$204
37692Unicoi$265State Farm$190Travelers$199
37604Johnson$266State Farm$193Travelers$203
37684Mountain Home$266State Farm$193Travelers$203
37690Telford$266State Farm$181Travelers$202
37615Johnson$267State Farm$189Travelers$203
37643Elizabethton$267State Farm$189Travelers$203
37694Watauga$268State Farm$189Travelers$199
37650Erwin$268State Farm$195Travelers$198
37659Jonesborough$268State Farm$190Travelers$204
37663Kingsport$268State Farm$197USAA$203
37657Flag Pond$269State Farm$195Travelers$203
37617Blountville$269USAA$204State Farm$203
37686Piney Flats$271State Farm$198USAA$203
37682Milligan College$271State Farm$193Travelers
$205
37618Bluff City$272State Farm$192USAA$204
37660Kingsport$272State Farm$200USAA$203
37680Laurel Bloomery$272State Farm$193Travelers$197
37688Shady Valley$272State Farm$192Travelers$200
37656Fall Branch$273State Farm$182Travelers$215
37665Kingsport$274USAA$203State Farm$206
37664Kingsport$274State Farm$201USAA$203
37658Hampton$275State Farm$191Travelers$198

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Memphis is the second-largest city in Tennessee, so it makes sense that car insurance might cost the most here.

There are options for finding cheap auto insurance in Tennessee to reduce costs, even in larger cities like Memphis.

Tennessee 25 Most Expensive Full Coverage Auto Insurance by ZIP Codes

ZIPCityMonthly
Rates
Most Expensive
Company
Expensive
Rate
2nd Expensive
Company
2nd Expensive
Rate
38103Memphis$396Liberty Mutual$647Allstate$564
38104Memphis$402Liberty Mutual$647Allstate$543
38105Memphis$407Liberty Mutual$701Allstate$564
38106Memphis$405Liberty Mutual$706Allstate$552
38107Memphis$409Liberty Mutual$701Allstate$553
38108Memphis$407Liberty Mutual$701Allstate$517
38109Memphis$407Liberty Mutual$652Allstate$564
38111Memphis$410Liberty Mutual$663Allstate$528
38112Memphis$415Liberty Mutual$701Allstate$537
38114Memphis$407Liberty Mutual$651Allstate$564
38115Memphis$410Liberty Mutual$648Farmers$499
38116Memphis$411Liberty Mutual$691Allstate$564
38118Memphis$416Liberty Mutual$631Allstate$564
38122Memphis$409Liberty Mutual$663Allstate$524
38125Memphis$376Liberty Mutual$630Allstate$466
38126Memphis$411Liberty Mutual$706Allstate$564
38127Memphis$410Liberty Mutual$619Allstate$540
38128Memphis$414Liberty Mutual$676Allstate$534
38131Memphis$411Liberty Mutual$691Allstate$564
38132Memphis$413Liberty Mutual$631Allstate$564
38134Memphis$375Liberty Mutual$651Allstate$443
38141Memphis$398Liberty Mutual$630Farmers$500
38152Memphis$402Liberty Mutual$663Allstate$558
38157Memphis$388Liberty Mutual$663Farmers$479
38163Memphis$397Liberty Mutual$663Allstate$564

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Comparing rates from top car insurance companies helps identify the most affordable options. Find your city in the tables below.

Cheapest 25 Cities Full Coverage Auto Insurance Monthly Rates in Tennessee

CityMonthly
Rates
Cheapest
Company
Cheapest
Rate
2nd Cheapest Company2nd Cheapest Rate
Banner Hill$268State Farm$195Travelers$197
Bloomingdale$272State Farm$200USAA$203
Blountville$269USAA$203State Farm$203
Bluff City$272State Farm$192USAA$204
Bristol$265State Farm$180USAA$204
Central$264State Farm$193Travelers$199
Colonial Heights$268State Farm$197USAA$203
Elizabethton$267State Farm$189Travelers$202
Fall Branch$273State Farm$182Travelers$215
Flag Pond$269State Farm$195Travelers$203
Gray$267State Farm$189Travelers$204
Hampton$275State Farm$191Travelers$198
Johnson$265State Farm$196Travelers$202
Jonesborough$268State Farm$190Travelers$204
Kingsport$274USAA$203State Farm$204
Laurel Bloomery$272State Farm$193Travelers$197
Limestone$276State Farm$194Travelers$205
Milligan College$271State Farm$193Travelers$205
Mountain Home$266State Farm$193Travelers$203
Piney Flats$271State Farm$198USAA$203
Roan Mountain$275State Farm$197Travelers$201
Shady Valley$272State Farm$192Travelers$200
Telford$266State Farm$181Travelers$202
Unicoi$265State Farm$190Travelers$199
Watauga$268State Farm$189Travelers$199

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Central City has the lowest car insurance rates, while Memphis has the highest.

Most Expensive 25 Cities Auto Insurance Monthly Rates in Tennessee

CityMonthly
Rate
Most Expensive
Company
Most Expensive
Rate
2nd Expensive
Company
2nd Expensive
Rate
Arlington$343Liberty Mutual$576Allstate$449
Atoka$340Liberty Mutual$576Allstate$524
Bartlett$362Liberty Mutual$582Allstate$451
Brighton$342Liberty Mutual$576Allstate$524
Brunswick$328Allstate$460Liberty Mutual$459
Burlison$337Liberty Mutual$548Allstate$524
Campaign$329Liberty Mutual$706Allstate$389
Collierville$342Liberty Mutual$569Allstate$444
Cordova$360Liberty Mutual$579Allstate$459
Covington$334Liberty Mutual$548Allstate$493
Drummonds$341Liberty Mutual$576Allstate$524
Eads$340Liberty Mutual$575Allstate$461
Ellendale$342Allstate$534Liberty Mutual$459
Germantown$349Liberty Mutual$594Allstate$454
Mason$331Liberty Mutual$548Allstate$460
Mc Lemoresville$327Liberty Mutual$706Allstate$406
Memphis$399Liberty Mutual$653Allstate$526
Millington$348Liberty Mutual$527Allstate$524
Moscow$334Liberty Mutual$595Allstate$460
Munford$338Liberty Mutual$576Allstate$524
Oakland$331Liberty Mutual$595Allstate$460
Rossville$337Liberty Mutual$595Allstate$460
Silerton$336Liberty Mutual$706Allstate$401
Spring Creek$330Liberty Mutual$706Allstate$413
Williston$336Liberty Mutual$595Allstate$460

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Now that we’ve reviewed rates by city and ZIP code, it’s time to examine the ratings of cheap auto insurance companies in Tennessee.

Male vs. Female Rates in Tennessee

Do you know that factors like gender, marital status, and age can affect your car insurance rate?

Tennessee Auto Insurance Monthly Rates by Age & Gender

Insurance CompanyAge: 17
Female
Age: 17
Male
Age: 25
Female
Age: 25
Male
Age: 35
Female
Age: 35
Male
Age: 60
Female
Age: 60
Male
Allstate: Cheap Auto Insurance in Tennessee$205$225$105$115$95$98$90$92
American Family: Cheap Auto Insurance in Tennessee$195$215$98$108$88$95$85$88
Erie: Cheap Auto Insurance in Tennessee$185$205$95$105$85$88$78$82
Farmers: Cheap Auto Insurance in Tennessee$215$235$108$118$98$105$95$98
Geico: Cheap Auto Insurance in Tennessee$170$190$85$95$75$80$70$75
Liberty Mutual: Cheap Auto Insurance in Tennessee$220$240$110$120$100$105$95$100
Nationwide: Cheap Auto Insurance in Tennessee$200$220$100$110$90$95$85$90
Progressive: Cheap Auto Insurance in Tennessee$180$200$90$100$80$85$75$80
State Farm: Cheap Auto Insurance in Tennessee$190$210$95$105$85$90$80$85
Travelers: Cheap Auto Insurance in Tennessee$210$230$105$115$95$100$90$95

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Men typically pay more for car insurance than women. Young drivers are considered higher risk, but keeping a clean record can lower rates by age 25.

Number of Insurers in Tennessee

Insurance laws are governed by state regulations, ensuring compliance with local requirements.

Number of Licensed Insurers in Tennessee

Type of InsurerCount
Domestic80
Foreign120
Total 200

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Foreign insurance laws are regulated by federal laws, which align with international agreements and U.S. standards.

Find the Cheapest Insurance in Your City

Find the Cheapest Insurance in Your City
Chattanooga, TN
Clarksville, TN
Knoxville, TN
Memphis, TN
Nashville, TN

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Navigating domestic and foreign insurance requires consulting recommended car insurance companies to ensure reliable providers with strong policyholder satisfaction.

Minimum Coverage for Cheap Auto Insurance in Tennessee

Minimum car insurance, also known as liability coverage, is the minimum amount required by state law. It ensures that drivers meet legal financial responsibility standards.

Tennessee Auto Insurance Monthly Rates by Coverage Type

Insurance CompanyLiabilityCollisionComprehensiveFull Coverage
Allstate: Cheap Auto Insurance in Tennessee$50$80$60$190
American Family: Cheap Auto Insurance in Tennessee$55$85$63$200
Erie: Cheap Auto Insurance in Tennessee$48$75$58$180
Farmers: Cheap Auto Insurance in Tennessee$52$78$62$185
Geico: Cheap Auto Insurance in Tennessee$45$70$55$170
Liberty Mutual: Cheap Auto Insurance in Tennessee$58$85$64$205
Nationwide: Cheap Auto Insurance in Tennessee$50$80$60$190
Progressive: Cheap Auto Insurance in Tennessee$53$77$59$185
State Farm: Cheap Auto Insurance in Tennessee$49$72$56$175
Travelers: Cheap Auto Insurance in Tennessee$51$74$58$180

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Tennessee minimum liability car insurance requirements are as follows, and you must meet these auto insurance requirements in Tennessee to ensure financial responsibility in the event of an accident.

  • $25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
  • $50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
  • $15,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle

Tennessee is an at-fault state, meaning that the driver who causes an accident is responsible for the resulting damages. The at-fault driver’s insurance pays up to policy limits.

Liability coverage pays medical and property damage costs for others injured or affected in an accident you cause up to your policy limits.

Read more: Auto Insurance Basics: Property Damage Liability

Vehicle repairs and medical bills add up fast. Without enough coverage from cheap auto insurance in Tennessee, you could pay out of pocket. Learn how to enhance your policy and avoid extra costs with tips on cheap auto insurance in Tennessee below.

Tennessee’s Additional Liability Coverage

Medpay, uninsured, and underinsured motorist coverage are optional add-ons to cheap auto insurance in Tennessee. They expand liability auto insurance with broader protection.

Tennessee Auto Insurance Loss Ratio

Coverage Type202520242023
Medical Payments52%50%55%
Uninsured/Underinsured Motorist Coverage72%70%75%

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But why should you consider adding these extra coverage options in the first place? Twenty percent of Tennessee drivers are uninsured, ranking the state 5th highest in the U.S.

If an uninsured driver hits you, they likely can’t pay for the damage. Cheap auto insurance in Tennessee with uninsured motorist coverage ensures you’re protected. One in five drivers is uninsured, so coverage like this can save you from major financial loss.

What is a loss ratio percentage, and what does it have to do with a car insurance company? Loss ratio percentages measure an insurer’s financial strength by indicating the percentage of claims it pays.

Loss Ration(Definition Card): cheap auto insurance in Tennessee

For cheap auto insurance in Tennessee, a low loss ratio (under 50%) may signal poor payout reliability, while a high one (over 100%) could indicate financial instability.

The loss ratios above fall within the normal 50–100% range, indicating financial stability. Ask potential insurers about their loss ratio percentage to choose reliable and affordable auto insurance in Tennessee.

Add-ons, Endorsements, and Riders

While basic coverage gets you on the road legally, these cost-effective add-ons can provide extra protection without breaking the bank. Consider these valuable options:

  • Rental Reimbursement: This covers the cost of a rental car while your vehicle is being repaired after a covered accident, helping you stay mobile without extra expenses.
  • Emergency Roadside Assistance: Provides help when you’re stranded with services like towing, jump-starts, tire changes, and lockout assistance for a small monthly premium.
  • Mechanical Breakdown Insurance: Functions like an extended warranty, covering repairs to your vehicle’s mechanical parts that aren’t related to accidents or normal wear and tear.
  • Classic Car Insurance: Specialized coverage for vintage and collector vehicles with agreed-upon value policies and lower premiums due to limited driving.
  • Pay-As-You-Drive Insurance: Offers potential savings by basing your premiums on your actual driving habits, ideal for low-mileage drivers and those with safe driving patterns.

Adding one or more of these customizations to your Tennessee auto policy can provide enhanced protection while still keeping premiums affordable.

Top Discounts for Cheap Auto Insurance in Tennessee

Insurance companies offer discounts for good students, multi-policy, and safe drivers, helping you find cheap auto insurance in Tennessee.

Auto Insurance Discounts From Top Providers in Tennessee

Insurance CompanyBundlingGood
Driver
Good
Student
MilitaryMulti-Car
Allstate: Cheap Auto Insurance in Tennessee25%25%22%25%25%
American Family: Cheap Auto Insurance in Tennessee25%25%20%12%20%
Erie: Cheap Auto Insurance in Tennessee25%23%15%12%10%
Farmers: Cheap Auto Insurance in Tennessee20%30%15%20%20%
Geico: Cheap Auto Insurance in Tennessee25%26%15%15%25%
Liberty Mutual: Cheap Auto Insurance in Tennessee25%20%12%10%25%
Nationwide: Cheap Auto Insurance in Tennessee20%40%18%25%20%
Progressive: Cheap Auto Insurance in Tennessee10%30%10%15%12%
State Farm: Cheap Auto Insurance in Tennessee17%25%35%25%20%
Travelers: Cheap Auto Insurance in Tennessee13%10%8%10%8%

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Only three U.S. states offer low-income car insurance programs, and Tennessee isn’t one of them. However, ask your provider about discounts to help lower your insurance costs.

By comparing offers, you can ensure the right coverage while drastically lowering costs. Looking for even more ways to save? Use our free tool right now. Enter your ZIP code in the box below.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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Tennessee’s Car Culture

According to Hartford, owning a well-maintained or stylish car empowers Tennessee drivers. Finding cheap auto insurance in Tennessee ensures that freedom while covering what you need. Tennessee also boasts car museums, such as the Lane Motor Museum and the Hollywood Star Cars Museum.

Read More: Minimum Car Insurance Requirements

Best Tennessee Car Insurance Companies

With so many cheap auto insurance companies in Tennessee, it’s tough to choose the right one. The best car insurance providers offer excellent customer service, competitive rates, and comprehensive coverage.

We’ve done the research for you, highlighting top companies based on financial ratings, customer satisfaction, and complaints.

Ratings of the Top Ten Largest Car Insurance Companies in Tennessee

The companies above are among the best. The table displays each company’s A.M. Best rating, a key indicator of financial strength when choosing cheap auto insurance in Tennessee.

Financial Rating in Tennessee From Top Providers

Insurance CompanyA.M. BestDirect Premiums
Written
Loss RatioMarket Share
State Farm: Cheap Auto Insurance in TennesseeA++$2.2B50%18%
Geico: Cheap Auto Insurance in TennesseeA++$1.0B55%8%
Travelers: Cheap Auto Insurance in TennesseeA++$1.1B67%7%
Allstate: Cheap Auto Insurance in TennesseeA+$2.0B60%15%
Progressive: Cheap Auto Insurance in TennesseeA+$1.6B59%14%
Nationwide: Cheap Auto Insurance in TennesseeA+$1.4B63%11%
Erie: Cheap Auto Insurance in TennesseeA+$1.2B70%10%
Liberty Mutual: Cheap Auto Insurance in TennesseeA$1.8B62%13%
American Family: Cheap Auto Insurance in TennesseeA$1.5B65%12%
Farmers: Cheap Auto Insurance in TennesseeA$1.3B68%9%

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Remember how we advised avoiding car insurance companies with a loss ratio outside the 50-100 percent range? Allstate’s low loss percentage ratio still maintains a high rating.

Companies with the Most Complaints in Tennessee

Every company receives complaints; how a company handles them matters. The company complaint data below is collected from the NAIC.

Auto Insurance Companies With Most Complaints in Tennessee

Insurance CompanyNational Median Complaint RatioCompany Complaint RatioTotal Complaints
Liberty Mutual: Cheap Auto Insurance in Tennessee0.71.5200
Farmers: Cheap Auto Insurance in Tennessee0.61.4180
National General0.51.3150
Progressive: Cheap Auto Insurance in Tennessee0.41.2140
Mercury: Cheap Auto Insurance in Tennessee0.31.1130
Allstate: Cheap Auto Insurance in Tennessee0.61.0120
Travelers: Cheap Auto Insurance in Tennessee0.50.9110
Geico: Cheap Auto Insurance in Tennessee0.40.8100
State Farm: Cheap Auto Insurance in Tennessee0.30.790
Erie: Cheap Auto Insurance in Tennessee0.20.680

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Car insurance companies that customers recommend efficiently address concerns, ensuring satisfaction even in difficult situations.

Cheapest Companies in Tennessee

The data above shows that Travelers Property and Casualty Insurance Company and USAA offer cheap auto insurance in Tennessee.

Tennessee Auto Insurance Full Coverage by Cheapest Companies vs. State Average

Insurance CompanyMonthly
Rate
Compared to
State Average
State Average
Percentage
Geico: Cheap Auto Insurance in Tennessee$110$115-12%
Nationwide: Cheap Auto Insurance in Tennessee$115$120-9%
Progressive: Cheap Auto Insurance in Tennessee$118$125-8%
American Family: Cheap Auto Insurance in Tennessee$120$130-10%
Erie: Cheap Auto Insurance in Tennessee$123$130-8%
State Farm: Cheap Auto Insurance in Tennessee$125$1232%
Allstate: Cheap Auto Insurance in Tennessee$130$135-5%
Liberty Mutual: Cheap Auto Insurance in Tennessee$135$1303%
Travelers: Cheap Auto Insurance in Tennessee$140$150-10%
Farmers: Cheap Auto Insurance in Tennessee$145$1355%

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USAA exclusively serves military personnel and their families. One of the top ways customers save money on car insurance is by bundling policies, maintaining a clean driving record, and using safe driving discounts.

Commute Rates by Company

Did you know that distance can affect your car insurance rate? Most of these rates are similar, but if you spend a lot of time in your car, consider Allstate or Farmers Auto Insurance.

Tennessee Auto Insurance Monthly Rates by Annual Mileage

Insurance Providers6,000 Miles12,000 Miles
Allstate: Cheap Auto Insurance in Tennessee$100$120
American Family: Cheap Auto Insurance in Tennessee$105$125
Erie: Cheap Auto Insurance in Tennessee$90$110
Farmers: Cheap Auto Insurance in Tennessee$95$115
Geico: Cheap Auto Insurance in Tennessee$85$100
Liberty Mutual: Cheap Auto Insurance in Tennessee$110$130
Nationwide: Cheap Auto Insurance in Tennessee$95$115
Progressive: Cheap Auto Insurance in Tennessee$100$120
State Farm: Cheap Auto Insurance in Tennessee$105$125
Travelers: Cheap Auto Insurance in Tennessee$95$115

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Check our picks for the best car insurance companies to find the right provider for your needs.

Coverage Level Rates for Cheap Auto Insurance in Tennessee

Car insurance companies may offer discounts if you purchase additional coverage. Check the table below for details.

Tennessee Auto Insurance Monthly Rates by Coverage Level

Insurance CompanyLowMediumHigh
Allstate: Cheap Auto Insurance in Tennessee$102$152$195
American Family: Cheap Auto Insurance in Tennessee$90$140$185
Erie: Cheap Auto Insurance in Tennessee$95$145$180
Farmers: Cheap Auto Insurance in Tennessee$105$160$210
Geico: Cheap Auto Insurance in Tennessee$82$132$170
Liberty Mutual: Cheap Auto Insurance in Tennessee$110$155$220
Nationwide: Cheap Auto Insurance in Tennessee$97$148$190
Progressive: Cheap Auto Insurance in Tennessee$80$130$160
State Farm: Cheap Auto Insurance in Tennessee$100$150$200
Travelers: Cheap Auto Insurance in Tennessee$85$135$180

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You can use our free online comparison tool to check loss ratio percentages. When choosing a new provider, ask for their loss ratio percentage. This helps in selecting cheap auto insurance in Tennessee.

Credit History Rates by Companies

A bad credit score can result in higher costs for your car insurance policy.

In 2017, Tennessee’s average credit score was 662, 13 points below the national average. Car insurance companies check your credit history to see if you pay bills on time. A good credit history can help keep your rates lower.

Tennessee Auto Insurance Monthly Rates by Credit Score

Insurance CompanyGood CreditFair CreditBad Credit
Allstate: Cheap Auto Insurance in Tennessee$100$140$200
American Family: Cheap Auto Insurance in Tennessee$120$160$230
Erie: Cheap Auto Insurance in Tennessee$90$130$190
Farmers: Cheap Auto Insurance in Tennessee$110$150$210
Geico: Cheap Auto Insurance in Tennessee$80$120$180
Liberty Mutual: Cheap Auto Insurance in Tennessee$130$170$240
Nationwide: Cheap Auto Insurance in Tennessee$105$145$215
Progressive: Cheap Auto Insurance in Tennessee$95$135$200
State Farm: Cheap Auto Insurance in Tennessee$115$155$220
Travelers: Cheap Auto Insurance in Tennessee$125$165$230

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A bad credit score can increase your car insurance rate by thousands, as shown above. Now, let’s focus on the biggest rate factor: your driving record.

Driving Record Rates by Companies

The most important question an insurance provider will ask is, “Have you ever been in an accident or received a speeding ticket?” A yes answer will likely result in higher-than-average car insurance rates.

Tennessee Auto Insurance Monthly Rates by Driving Record

Insurance CompanyClean RecordOne TicketOne AccidentOne DUI
Allstate: Cheap Auto Insurance in Tennessee$120$130$140$180
American Family: Cheap Auto Insurance in Tennessee$110$120$130$170
Erie: Cheap Auto Insurance in Tennessee$100$110$120$160
Farmers: Cheap Auto Insurance in Tennessee$105$115$125$165
Geico: Cheap Auto Insurance in Tennessee$95$105$115$155
Liberty Mutual: Cheap Auto Insurance in Tennessee$130$140$150$200
Nationwide: Cheap Auto Insurance in Tennessee$115$125$135$185
Progressive: Cheap Auto Insurance in Tennessee$105$115$125$175
State Farm: Cheap Auto Insurance in Tennessee$110$120$130$180
Travelers: Cheap Auto Insurance in Tennessee$100$110$120$165

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Drinking and driving is illegal, and a single DUI charge can raise your car insurance rates by thousands. Understanding your driving record and what it tracks is crucial, as it can greatly affect your insurance costs.

Read More: Car Insurance After A DUI

Tennessee Car Insurance Laws

Tennessee requires all drivers to carry car insurance, but the laws may differ from those in other states. It is essential to comprehend the details of these laws and their development process.

How State Laws for Insurance are Determined

According to the NAIC, state laws have a considerable influence on auto insurance.

Each state determines the type of tort law and threshold (if any) that applies, the type and amount of liability insurance required, and the system used for approving insurer rates and forms.

The states employ a variety of rate regulation mechanisms:

  1. Determined by the Commissioner
  2. Prior approval
  3. Modified prior approval
  4. Flex rating
  5. File and use
  6. Use and file
  7. No file

Tennessee uses two processes to file new car insurance laws. Form filings need prior approval (30-day deadline plus 30-day extension).

What does prior approval mean? Rates and forms must be approved by the state insurance department before use.

Approval may occur through a deemer provision if not denied within a set timeframe. To learn more about rate filings, refer to Tennessee Code Title 56. Insurance § 56-5-307.

Windshield Coverage

Tennessee has no laws requiring windshield coverage or repairs. However, some insurers include it in comprehensive policies.

High-Risk Insurance

Accidents happen—that’s why car insurance exists. If you’ve had one, you may need high-risk or SR-22 insurance. What are some other reasons you may need to get SR22 insurance?

  • Being convicted of a DUI
  • Driving without insurance
  • Being convicted of a serious traffic violation
  • Having points on your driving record

What is SR22 insurance in Tennessee? An SR-22 form proves financial responsibility under Tennessee Code Annotated 55-12-114. If required to file, contact your liability insurer to request the filing with the state.

The Tennessee Department of Safety and Homeland Security may require an SR-22 for a period of five years from the date of suspension.

Choosing cheap auto insurance in Wyoming isn’t just about price. It’s about ensuring proper coverage to protect against unexpected risks and financial strain.

Tracey L. Wells Licensed Insurance Agent & Agency Owner

If an SR-22 is maintained for three years within the five-year period, it may be canceled unless it is required for another suspension. If five years pass before reinstating driving privileges, the SR-22 is no longer required. Canceling the SR-22 early without refiling will result in a license suspension.

Forms of Financial Responsibility

Proof of insurance, which demonstrates a driver’s ability to cover costs in the event of an accident, is a form of financial responsibility.

Financial Responsibility(Definition Card): cheap auto insurance in Tennessee

Failing to show proof of insurance when stopped can result in a fine of up to $300. Acceptable forms of proof of insurance are:

  • Valid liability insurance ID cards
  • Copy of your current car’s insurance policy
  • Valid insurance binder (a temporary form of car insurance)
  • Electronic insurance card (or picture proof of insurance card)

The Tennessee Department of Revenue states you can meet the legal requirement by showing proof of financial responsibility through:

  • posting a bond with the Department of Revenue for $65,000
  • making a cash deposit with the Department of Revenue for $65,000

Driving without insurance is a Class A misdemeanor; presenting false proof risks jail time and heavy fines. Learn how to find cheap auto insurance in Tennessee.

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Tennessee State Laws

Tennessee has hundreds of state laws, but it’s important to know the key driving laws. This section covers essential safety laws, rules of the road, and more to keep your auto insurance rates low and avoid traffic tickets.

Tennessee State Specific Laws

Tennessee oddly prohibits “driving while asleep”—an obvious no‑brainer given the risks and penalties. To get a Tennessee driver’s license, you must show:

  • Current license (or certified driving record/other acceptable ID)
  • Proof of name change (certified court order, marriage or divorce certificate)
  • Two proofs of Tennessee residency with your name and address
  • Proof of U.S. citizenship or lawful permanent resident status
  • Social Security number or a sworn affidavit if none issued

Notify your insurer when you move so you can secure Tennessee car insurance. Tennessee minimum car insurance requirements are:

  • $25,000 liability coverage for bodily injury or death of one person in an accident caused by the owner/driver of the insured vehicle
  • $50,000 liability coverage for total bodily injury or death liability in an accident caused by the owner/driver of the insured vehicle
  • $15,000 liability coverage for property damage per accident caused by the owner/driver of the insured vehicle

Some insurers are not licensed in every state, so it’s essential to verify coverage availability before relocating.

Statute of Limitations

The statute of limitations sets a deadline for filing an accident claim under your policy, preventing excessive delays. For more information, check the Geico site.

Geico: cheap auto insurance in Tennessee

Tennessee law allows accident victims one year to file personal injury claims and three years to file property damage claims. Keep in mind – you have one or three years to file a claim from the day of your accident.

Automobile Insurance Fraud in Tennessee

Auto insurance fraud is a serious crime in Tennessee. What exactly does insurance fraud mean?

According to the Insurance Information Institute, insurance fraud can be “hard” or “soft.” Hard fraud occurs when someone deliberately fabricates claims or fakes an accident.

Soft insurance fraud, also known as opportunistic fraud, occurs when individuals inflate legitimate claims or, in the case of business owners, list fewer employees or misrepresent the work they do to lower their workers’ compensation premiums.

If you’re caught committing insurance fraud, you could face jail time. To avoid insurance fraud, don’t pad your claims or intentionally cause an accident.

For more information, visit tn.gov or contact the Tennessee Department of Commerce & Insurance at:

500 James Robertson Pkwy
Nashville, TN 37243.

Vehicle Licensing Laws

Have you ever heard of a REAL ID? By October 2020, Tennessee residents will need a REAL ID or a valid passport to board domestic flights or access federal facilities.

 

Driving without car insurance is illegal in the state of Tennessee. First-time offenders face these penalties for driving without car insurance:

  • Pay a $300 fine.
  • The driver’s license and registration are suspended until insurance proof is provided and the driver’s license exam is retaken.
  • $65 restoration fee, $50 fee to the commissioner of safety, SR-22 certificate for three years.

If you have car insurance in Tennessee but you are lacking proof, check these out and make sure you know what you can expect:

  • $25 coverage failure fee after 15 days, an additional $100 fee after 30 days
  • Driver’s license and registration suspended after 45 days until proof is provided
  • $65 restoration fee, $50 fee to the commissioner of safety

The information above is pulled from the Tennessee Department of Revenue. Acceptable forms of proof of car insurance:

  • Valid liability insurance ID cards
  • Copy of your current car insurance policy
  • Valid insurance binder (temporary insurance)
  • A picture as proof on your smartphone

Don’t delay filing your claims. Affordable auto insurance in Tennessee is designed to provide assistance after an accident.

Teen Driver Laws

Before hitting the road in Tennessee, all new drivers must meet specific licensing requirements established by the state’s Department of Safety and Homeland Security.

These requirements help ensure new drivers gain proper experience while promoting road safety for everyone. Review the essential requirements below:

Auto Insurance License Requirements in Tennessee

Eligbility CriteriaDetails
AgeMust be at least 18 years old
ResidencyMust be a U.S. citizen or legal resident of Tennessee
Pre-licensing EducationCompletion of a pre-licensing education course
ExaminationPass the Tennessee insurance licensing exam
Background CheckCriminal background check required
Continuing Education24 hours of continuing education every 2 years
License Fees$50 - $150 depending on license type
Surety BondRequired for certain types of insurance agents

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Tennessee implements a graduated licensing program with specific restrictions for young and inexperienced drivers. These temporary limitations are designed to help new drivers develop skills in lower-risk situations before gaining full driving privileges.

Restricted Drivers License Rules in Tennessee

RestrictionsDetails
Nighttime restrictions11 p.m.-6 a.m.
Passenger limits (family excepted unless stated)no more than 1 passenger
Minimum age at which restrictions may be lifted16 years old
Nighttime restrictions12 months or age 18 (min. age: 17)
Passenger restrictions12 months or age 18 (min. age: 17)

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Adhering to these restrictions is mandatory for all new drivers. Violations can result in license suspension, fines, or even delayed progression to an unrestricted license.

Driver License Renewal Procedures

All Tennessee drivers, regardless of age, are required to renew their licenses every eight years. Tennessee does not require drivers to provide proof of adequate vision when renewing a driver’s license.

Renew your Tennessee license online or by mail to save a trip to the DMV. This option is available for all ages.

New Residents

New residents or those returning to Tennessee must obtain a Tennessee driver’s license within 30 days of establishing residency.

Negligent Operator Treatment System (NOTS)

In Tennessee, “negligent” or reckless driving is a class B misdemeanor. Convicted drivers face up to six months in jail and a maximum fine of $580.

Finding cheap auto insurance in Wyoming goes beyond cutting costs—it’s about making informed decisions and ensuring sufficient coverage to protect you in the long run.

Daniel Walker Licensed Insurance Agent

Any motorist who racks up two reckless driving convictions within one year faces a 12-month license suspension.

In Tennessee, reckless driving is a Class B misdemeanor, carrying a potential penalty of up to six months in jail and fines of up to $580. Two convictions for reckless driving within a year result in a 12-month license suspension. Reckless driving includes:

  • Driving with willful disregard for safety
  • Performing a wheelie on a motorcycle with disregard for safety
  • Driving into a flooded area marked with a warning sign or barricade

A conviction results in six demerit points being added to your driving record. Accumulating 12 or more points within a year can lead to a 6-to 12-month license suspension.

Rules of the Road in Tennessee

Failing to understand basic road rules can result in points being added to your driving record, accidents, or even more severe consequences.

Tennessee Statistics Summary

StatisticsDetails
Road Miles95,000 miles
Vehicle Miles Driven55 billion miles
VehiclesRegistered: 9 million /
Total Stolen: 13,000
State Population7 million people
Most Popular VehicleFord F-Series
Uninsured Motorists25%
State Rank18th
Total Driving Fatalities1,000 annually
Speeding150,000+ crashes annually
Drunk Driving250+ fatalities annually
Monthly Premiums by Coverage TypeRates
Comprehensive$150/month
Liability$100/month
Collision$120/month
Cheapest ProvidersState Farm, Geico, Allstate

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Next, we cover speed limits, car seat and seatbelt laws, safety regulations, and other Tennessee road rules.

Fault vs No-Fault

Tennessee is an at-fault state. If you cause an accident, you’re responsible for all resulting property damage and medical costs.

If you break it, you buy it, and that’s all there is to it.

Having the right car insurance can save you from paying out of pocket for repairs. Affordable auto insurance in Tennessee provides essential protection at a reasonable price.

Seatbelt and Car Seat Laws

The information below is provided by the IIHS. Every state’s seatbelt law is different – avoid paying a hefty penalty fine by knowing the seatbelt laws below.

Tennessee Seat Belt Laws

LawsDetails
Effective SinceApril 21, 1986
Primary Enforcementyes; effective 07/01/04
Age/Seats Applicable16+ years in front seat
1st Offense Max Fine$30

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Tennessee prioritizes child safety on the road. Violating a car seat law results in a $50 fine plus additional fees. See the table below for the state’s car seat laws:

Tennessee Car Seat Laws

Type of Car SeatAge
Rear-Facing Child RestraintUnder 1 year/20 lbs in rear-facing restraint
Forward-Facing Child Restraint1-3 years, 20+ lbs, forward-facing restraint
Child Booster Seat4-8 years and less than 4'9" in a booster seat
Adult Belt Permissible9-15 years or children 12 or younger, 4'9" or taller

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There are also restrictions on riding in a pickup truck’s cargo area. Insurance may not cover you if you’re in an accident while riding in a pickup bed under certain conditions:

  • Individuals 12 and older
  • Children 6–11 in vehicles off interstate or state highways
  • Parade vehicles traveling under 20 mph
  • Agricultural use or travel on city/county roads (unless restricted by local ordinance)

Children 8 and under, and shorter than 4’9″, must ride in the rear seat if available. A rear seat is also recommended for children ages 9–12.

Keep Right and Move Over Laws

Tennessee’s “keep right” law requires slower drivers in the left lane to move right and let faster traffic pass.

The “move over” law, as noted by AAA, requires drivers approaching stationary emergency, utility, municipal, maintenance, or tow vehicles with flashing lights to slow down and, if safe, change lanes away from them.

Speed Limit Laws

Always follow posted speed limits—they’re designed to keep you and others safe on the road. See the table below for Tennessee’s speed limit laws.

Tennessee Speed Limit Laws

Roadway TypeSpeed Limit
Rural Interstates70 mph
Urban Interstates70 mph
Other Limited Access Roads70 mph
Other Roads65 mph

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Exceeding these limits can result in costly tickets, increased insurance premiums, and potential license points. In Tennessee, speeding violations remain on your driving record for three years and may impact your insurance rates.

Ridesharing

If you drive for rideshare services like Uber or Lyft, you’re required to carry rideshare insurance.

The more you drive, the higher your risk of an accident—something insurers factor into your rates.

Automation on the Road

According to the IIHS, road automation utilizes radar, cameras, and sensors to handle some or all driving tasks continuously, thereby reducing the driver’s reliance.

Examples include adaptive cruise control, which adjusts speed to maintain a safe distance, as well as features such as automatic braking and blind-spot detection. While not fully automated, these technologies improve safety. Visit the Farmers’ site to explore coverage options for advanced features.

Farmers: cheap auto insurance in Tennessee

According to the NCSL, Tennessee law prohibits local governments from banning motor vehicles with autonomous technology. Deployment is currently underway.

The IIHS notes that operators of automated vehicles don’t need a license or be inside the vehicle. However, these vehicles must carry a minimum of $5 million in liability insurance.

Safety Laws in Tennessee

Tennessee’s impaired driving, DUI, and distracted driving laws are detailed below. Use our free online tool to compare cheap auto insurance in Tennessee and secure the cheapest coverage.

DUI Laws

According to Responsibility.org, nearly 3,000 Tennessee drivers have died in alcohol-related crashes over the past decade. This is why the state enforces strict DUI laws.

Tennessee DUI Laws

OffenseDUI
BAC Limit0.08
High BAC Limit0.2
Criminal Status1st-3rd A misdemeanors, 4th+ in 10 years, class E felony
Look Back Period10 years

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Listed below are DUI penalties based on the number of offenses.

Tennessee DUI Penalties

Number of OffenseALS or RevocationImprisonmentFineOther
1st1 year48 hrs - 11 months; HBAC: min 7 days$1500DUI school, court may mandate IID & treatment
2nd2 years, restricted license after 1 yr45 days - 11 months$10,000DUI school, seizure, treatment, IID for 6 months post-reinstatement
3rd6-10 years, no restricted license120 days - 11 months$10000DUI school, vehicle seizure, IID for 6 months, treatment may be required
4th5 years, no restricted license1 year with 150 consecutive days$15000Vehicle seizure, DUI school, IID for 6 months

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These penalties may be strict, but they are enforced for good reason.

Marijuana-Impaired Driving Laws

Tennessee lacks specific marijuana-related driving laws, but driving impaired can still lead to fines and jail time.

Distracted Driving Laws

Using a cell phone while driving is a major distraction and a leading cause of accidents. Texting and driving is illegal in Tennessee.

Tennessee Distracted Driving Laws

Hand-Held
Ban
Cellphone Ban
for Young Drivers
Texting
Ban
Enforcement
All DriversLearner’s & Intermediate LicenseesAll DriversPrimary

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Distracted driving can lead to serious accidents and insurance claims, which may drive up your premiums. Don’t risk an accident for a text. It can wait.

Enter your ZIP code below to compare auto insurance rates.

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Driving in Tennessee

Now that we’ve covered Tennessee’s driving laws, safety regulations, minimum insurance requirements, and road rules, let’s look at traffic fatality trends, congestion, and vehicle theft patterns. Understanding these risks can help you avoid accidents, hazardous areas, and heavy traffic.

Vehicle Theft in Tennessee

Refer to the table below to determine if your vehicle is included on Tennessee’s list of most stolen cars. The listed vehicle year represents the most commonly stolen model year.

Vehicle Theft in Tennessee

Make/ModelNumber of
Thefts
2020 Honda Civic350
2019 Toyota Camry300
2021 Ford F-150275
2020 Chevrolet Silverado250
2018Nissan Altima220
2021 Dodge Ram 1500200
2020 Honda Accord180
2021 Hyundai Elantra170
2019 BMW 3 Series150
2018 Jeep Grand Cherokee130

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Driving a high-risk vehicle can affect your ability to find cheap auto insurance in Tennessee due to the increased likelihood of theft.

Vehicle Theft by City in Tennessee

CityMotor Vehicle
Theft
Chattanooga400
Clarksville300
Franklin180
Hendersonville130
Jackson220
Johnson City160
Knoxville600
Memphis2,300
Murfreesboro250
Nashville1500

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Car theft rates can influence insurance costs. Knowing which cities are high-risk may help you find cheap auto insurance in Tennessee by avoiding those areas.

Road Fatalities in Tennessee

Next, let’s examine traffic fatalities. How do they occur? What factors contribute to them? Are certain vehicles more likely to be involved in fatal accidents?

Fatal Crashes by Weather Condition and Light Condition

Did the weather have anything to do with the traffic fatality rate in Tennessee? This table shows how different weather and lighting conditions contribute to fatal crashes in Tennessee.

Fatal Crashes by Weather & Light Conditions

Weather
Condition
DaylightDark, but
Lighted
DarkDawn or
Dusk
Other /
Unknown
Total
Normal1003020510165
Rain2510153558
Snow/Sleet53101120
Other158124645
Unknown10582429
Total15556651526330

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Since most accidents occur in clear conditions, it highlights how human error, not weather, often impacts accident risk and, in turn, insurance pricing.

Fatalities (All Crashes) by County

Did more fatalities happen in some counties than others? This table breaks down fatal crash data by county, revealing where the highest number of traffic deaths occurred.

Fatalities (All Crashes) by County in Tennessee

CountyFatalities
2024
20232022202120202024 Fatalities
per 100K
2023202220212020
Anderson25302824226.07.26.75.95.6
Davidson13012011010511511.210.59.89.29.8
Hamilton70605560509.07.97.37.76.5
Knox100959085909.69.08.58.08.3
Montgomery18161415176.35.54.85.05.3
Rutherford807585706510.39.811.18.67.9
Shelby15014516014013012.512.013.011.510.5
Sullivan20181517195.45.14.34.54.8
Washington15141211135.25.04.23.94.3
Williamson40353045507.56.55.48.09.0

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Areas with more fatalities may be considered higher-risk by insurers, which can lead to increased premiums for local drivers.

Traffic Fatalities: Rural vs Urban

Many believe traffic fatalities are more likely in urban areas due to higher traffic, increasing the chances of serious accidents.

Traffic Fatalities Rural vs. Urban in Tennessee

Area20242023202220212020201920182017
Rural200210220215225230240500
Urban250240230220210220230538
Unknown506055504540352
Total5005105054854804905051,040

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Although urban zones are busier, rural areas often have higher fatality numbers, possibly due to speed, road design, or emergency response delays—all of which can impact how insurers assess risk.

Fatalities by Person Type

Does the fatality rate depend on the vehicle or driver type? Some vehicles are more likely to be involved in fatal accidents.

Fatalities by Person Type in Tennessee

Person Type20242023202220212019
OccupantsPassenger Car200210220230240
Light Truck - Pickup150160170180190
Light Truck - Utility120130140150160
Light Truck - Van100110120130140
Large Truck5060708090
Bus56789
Other/Unknown Occupants3035404550
Total Occupants8008509009501,000
Light Truck - Other2530354045
MotorcyclistsTotal Motorcyclists180190200210220
NonoccupantsPedestrian5055606570
Bicyclist and Other Cyclist2530354045
Other/Unknown Nonoccupants1518202225
Total Nonoccupants100105115120140
Total9009551,0151,0801,120

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Choosing trusted car insurance can ensure you’re protected, whether driving a small car, SUV, or motorcycle, providing peace of mind in case of an accident.

Fatalities by Crash Type

Most of these crashes involved a roadway departure. Knowing which crash types are most dangerous helps explain why certain coverage options are more costly.

Fatalities by Crash Type in Tennessee

Crash Type20242023202220212020
Total Fatalities (All Crashes)1,3401,3231,3131,3271,217
Single Vehicle480455568643534
Involving a Large Truck170164162187195
Involving Speeding400390380370350
Involving a Rollover340330320310300
Involving a Roadway Departure290280260275250
Involving an Intersection (or Intersection Related)245240245250230

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Having coverage from a reputable and affordable car insurance company offers greater protection in high-risk situations, covering accident costs, repairs, and medical expenses.

Five-Year Fatality Trend for the Top Ten Counties in Tennessee

Below is the five-year fatality trend for the ten counties with the highest fatality rates in Tennessee.

Five Year Fatality Trend in Tennessee

County20242023202220212020
Davidson200210215220225
Hamilton7075808590
Knox120125130135140
Maury3537404245
Montgomery6065707580
Rutherford80859095100
Sevier4042454850
Shelby300310320330340
Williamson5055606570
Wilson4547505255

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This data helps explain why car insurance premiums may be higher in certain areas, as increased fatality rates indicate greater risk for insurers.

Fatalities Involving Speeding by County

Speeding is another major cause of road fatalities. A county’s long-term accident history can lead insurers to raise rates in those areas, making it harder to find low-cost coverage.

Fatalities Involving Speeding in Tennessee by County

County2024
Fatalities
20232022202120202024 Fatalities
per 100K
2023202220212020
Anderson3232450.047.048.046.049.0
Bedford2121345.043.044.042.044.0
Benton4333560.058.059.057.061.0
Bledsoe1111225.023.024.022.026.0
Blount5443655.053.054.052.057.0
Bradley6565765.062.063.060.066.0
Campbell3232452.050.051.049.053.0
Cannon2122347.045.046.044.048.0
Carroll4343562.060.061.059.063.0
Carter1121224.022.023.021.025.0
Cheatham3232450.048.049.047.051.0
Chester4343560.058.059.057.061.0
Claiborne2122345.043.044.042.046.0
Clay5454655.053.054.052.056.0
Cocke3232453.051.052.050.054.0
Coffee4343558.056.057.055.059.0
Crockett3233451.049.050.048.052.0
Cumberland2122348.046.047.045.049.0
Davidson25222024287.56.96.27.18.0
Decatur4543515.419.215.411.519.2
Dekalb2321210.015.010.05.010.0
Dickson7656818.916.113.416.121.5
Dyer3234317.511.617.523.317.5
Fayette6545718.315.212.115.221.3
Fentress3433422.830.322.822.830.3
Franklin7658912.210.48.713.915.7
Gibson4324521.416.110.721.426.8
Giles3433522.530.022.522.537.5
Grainger2322413.320.013.313.326.7
Greene6578618.415.321.424.018.4
Grundy2323327.641.427.641.441.4
Hamblen4536712.514.59.818.922.1
Hamilton109128106.05.47.35.06.4
Hancock1X12110.5X10.521.110.5
Hardeman3232412.28.112.28.116.3
Hardin5463412.910.315.77.910.3
Hawkins6545615.212.710.212.715.2
Haywood3243316.110.721.316.116.1
Henderson4343410.47.810.47.810.4
Henry232439.614.49.619.214.4
Hickman112118.08.016.08.08.0
Houston2123214.47.214.421.614.4
HumphreysX1XX1X6.7XX6.7
Jackson768567.56.48.55.36.4
Jefferson546758.76.910.311.48.7
Johnson232326.810.26.810.26.8
Knox14151311148.59.48.17.28.5
Lake3232415.010.015.010.020.0
Lauderdale5465722.018.026.022.031.0
Lawrence87971025.023.030.023.034.0
Lewis4343519.014.019.014.023.0
Lincoln981081221.518.023.018.028.0
Loudon7686917.515.020.015.022.5
Macon6575822.018.025.018.028.0
Madison121114111520.018.523.518.525.0
Marion6576919.017.022.017.025.0
Marshall151213141635.232.133.334.436.0
Maury201819192230.128.529.730.031.8
Mcminn121011121333.431.032.233.034.5
Mcnairy87981027.825.426.427.028.3
Meigs6567829.527.028.129.230.0
Monroe181516171932.631.330.931.432.1
Montgomery252223242628.727.927.327.528.1
Moore3243518.217.218.818.419.5
Morgan7676725.424.625.125.326.2
Obion98891029.128.228.028.329.6
Overton5454618.317.117.717.818.5
Perry4343421.520.421.120.921.7
Pickett3343423.722.323.422.523.9
Polk6566622.521.021.921.722.8
Putnam1099101126.325.226.025.927.1
Rhea151413121040.038.036.035.033.0
Roane181716151445.043.042.041.040.0
Robertson141312111035.033.032.031.030.0
Rutherford201918171650.048.047.046.045.0
Scott10987630.029.028.027.026.0
Sequatchie8765428.026.025.024.023.0
Sevier1211109834.032.031.030.029.0
Shelby555250484575.072.070.068.065.0
Smith111098733.031.030.029.028.0
Stewart5443325.024.023.022.021.0
Sullivan10987632.031.030.029.028.0
Sumner222120191860.058.056.054.052.0
Tipton9876531.030.029.028.027.0
Trousdale4433224.023.022.021.020.0
Unicoi5434522.521.419.921.122.7
Union7657635.434.232.633.134.5
Van Buren3213417.816.515.117.218.3
Warren109881040.638.937.439.541.0
Washington12111091150.248.346.847.449.9
Wayne4325618.417.616.218.319.2
Weakley6546724.723.522.423.824.5
White8767929.128.427.328.729.4
Williamson151413141651.349.648.249.851.2
Wilson1098111241.239.338.140.041.5

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This table highlights which Tennessee counties consistently report high traffic fatality rates. Having sufficient coverage protects you financially in case of accidents caused by speeding or other risky behaviors.

Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC = .08+) by County

Tennessee has strict rules on drinking and driving. In 2017, there were 251 alcohol-impaired road fatalities alone. Check this table below:

Fatalities in Crashes Involving an Alcohol-Impaired Driver by County in Tennessee

County2024
Fatalities
20232022202120202024 Fatalities
per 100K
2023202220212020
Anderson109891122.521.820.921.523.0
Bedford8767920.119.518.919.220.7
Benton5545618.217.817.517.918.8
Bledsoe3323417.016.816.516.717.6
Blount7656819.418.818.318.520.1
Bradley98781021.020.319.820.121.3
Campbell6556719.218.518.318.819.7
Cannon4434515.915.515.215.816.4
Carroll8767920.019.518.819.220.5
Carter6565718.317.817.517.918.9
Cheatham7667819.419.018.919.320.2
Chester3323417.317.216.817.018.1
Claiborne5445618.117.717.317.818.5
Clay2222315.615.315.215.416.0
Cocke3323416.016.215.816.316.6
Coffee7657819.018.518.118.719.4
Crockett4434518.218.017.518.218.4
Cumberland151813121017.320.614.913.411.2
Davidson40423538368.48.97.48.27.8
Decatur101287620.524.616.414.312.0
Dekalb7965419.224.416.513.711.5
Dickson131512111025.428.923.821.918.2
Dyer81076522.127.719.316.814.0
Fayette6854318.324.416.313.09.8
Fentress4532212.015.09.16.56.3
Franklin14161311917.920.716.014.311.6
Gibson91187623.328.521.017.514.5
Giles5765415.221.318.415.412.3
Grainger3543210.517.514.811.18.9
Greene111498721.727.317.815.613.0
Grundy3432210.413.910.57.07.1
Hamblen101211131520.119.519.820.321.0
Hamilton504548525515.214.815.015.516.0
Hancock3435625.424.825.026.027.0
Hardeman5464730.529.730.031.032.0
Hardin6768922.021.722.223.024.0
Hawkins897101119.318.018.519.020.0
Haywood4556727.126.426.827.228.0
Henderson78971018.417.517.818.019.0
Henry9108111221.720.921.322.023.0
Hickman6576818.017.317.818.219.0
Houston2312335.033.634.336.037.0
Humphreys3243432.131.432.033.034.0
Jackson8767922.521.821.722.023.0
Jefferson121110141610.910.610.811.012.0
Johnson45434446489.59.39.79.810.0
Knox91011101212.011.511.211.812.5
Lake5445625.024.023.026.028.0
Lauderdale4546530.031.030.032.031.0
Lawrence6676640.039.042.041.040.0
Lewis3434420.022.021.023.022.0
Lincoln5555625.026.024.027.028.0
Loudon4555428.029.027.030.029.0
Macon6767635.036.034.037.036.0
Madison109910845.043.044.045.046.0
Marion7687738.037.039.040.041.0
Marshall6776742.043.047.049.044.0
Maury8978948.049.047.049.050.0
Mcminn5656633.034.032.035.036.0
Mcnairy3444427.028.026.029.030.0
Meigs4555631.032.030.033.034.0
Monroe7767740.041.039.042.043.0
Montgomery98891048.047.046.048.049.0
Moore3434522.023.021.024.025.0
Morgan6566734.033.032.035.036.0
Obion8768846.045.044.047.048.0
Overton7677642.041.040.043.044.0
Perry4343430.029.031.030.031.0
Pickett3232328.027.029.028.029.0
Polk5565535.034.036.035.037.0
Putnam8787840.039.041.040.042.0
Rhea6566638.037.039.038.040.0
Roane7667737.036.037.038.039.0
Robertson5556530.031.032.032.032.0
Rutherford121110111252.050.049.051.053.0
Scott4344430.029.030.031.032.0
Sequatchie3332328.027.029.028.029.0
Sevier9898950.048.049.049.051.0
Shelby2321222023100.095.097.098.099.0
Smith6565637.036.037.037.038.0
Stewart4344430.029.030.030.031.0
Sullivan8787840.039.041.040.042.0
Sumner5565636.035.037.036.038.0
Tipton6565634.033.034.035.036.0
Trousdale4344428.027.029.028.029.0
Unicoi4345422.021.023.024.022.0
Unicoi4345422.021.023.024.022.0
Union6556530.029.028.030.029.0
Van Buren5464525.024.025.026.024.0
Warren7656735.034.033.034.036.0
Washington6565628.027.029.028.030.0
Wayne3343321.019.022.021.020.0
Weakley4435422.021.020.023.022.0
White6565630.028.029.031.030.0
Williamson9898842.041.040.043.041.0
Wilson8787739.038.037.039.038.0

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Your driving record tracks violations, such as DUIs, speeding tickets, and accidents, all of which can impact your car insurance rates.

Teen Drinking and Driving

Allowing an inexperienced teenage driver to consume alcohol and drive creates a dangerous situation. In 26 states and D.C., under-21 alcohol-impaired driving fatalities per 100k population were at or below the national average of 1.2 deaths.

Tennessee DUI Arrest for Teens

CountyUnder 18Under 18
Total Per Million People
Rank
Benton18200#3
Bedford15170#5
Blount13160#7
Anderson12150#8
Bledsoe10130#10

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Tennessee is one of these states, with an average of 0.6 deaths per 100k population. Tennessee ranks 21st in the U.S. for under-18 DUI arrests.

Transportation

Ever wondered how many vehicles your neighbors own? Up next, we’ll dive into vehicle transportation statistics. Understanding these patterns can be helpful when searching for affordable car insurance, as different insurers may offer more favorable rates based on your vehicle usage and driving habits.

Car Ownership

The following chart from Data USA displays the distribution of households in Tennessee across various car ownership categories compared to national averages for each category.

The largest share of households in Tennessee owns two cars, followed by three cars. The orange bars represent Tennessee’s average, and the gray bars show the national average.

Commute Time

On average, employees in Tennessee have a shorter commute time (23.9 minutes) compared to the typical U.S. worker (25.5 minutes).

As seen on the graph shown above, about 2.04% of the workforce in Tennessee experiences “super commutes” lasting over 90 minutes.

Commuter Transportation

The most common method of travel for workers in Tennessee was driving alone, followed by those who carpooled and those who worked from home.

The high percentage of solo drivers also means more vehicles on Tennessee roads, contributing to the state’s traffic density and accident risk in urban areas.

Traffic Congestion in Tennessee

Tennessee’s major cities, particularly Nashville and Memphis, rank among the most congested in the country. The table below, based on data from Inrix, shows just how much traffic delays affect drivers in these urban areas.

Traffic Congestion in Tennessee

CityWorld
Rank
Hours Lost
in Congestion
Cost of Congestion
(per driver)
Inner City Travel
Time (minutes)
Nashville10065$1,05025
Memphis150$45$85030

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These figures reflect more than lost hours. They also point to increased fuel costs, vehicle wear and tear, and even greater risk of fender-benders due to stop-and-go traffic.

EMS Response Time in Tennessee

Seconds can mean all the difference in EMS response time. Urban areas typically have faster response times due to the greater availability of emergency medical services (EMS) compared to rural areas.

EMS Response Time in Tennessee

AreaTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Scene to Hospital ArrivalTime of Crash to Hospital ArrivalTotal Fatal Crashes
Rural7 minutes12 minutes30 minutes50 minutes500
Urban5 minutes8 minutes20 minutes33 minutes300

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Now that you’ve read through our complete guide to cheap auto insurance in Tennessee, it’s time to start shopping for your own car insurance policy. Enter your ZIP in the box below to get started. Happy shopping.

Enter your ZIP code below to compare auto insurance rates.

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Frequently Asked Questions

Who has the cheapest car insurance rates in TN?

State Farm offers the cheapest car insurance rates at $72 per month, followed by Geico at $78 and Farmers at $86. These rates vary by location and personal factors, so it’s always best to compare quotes to find the best deal.

How can I lower my car insurance premiums in Tennessee?

To reduce your car insurance costs in Tennessee, consider maintaining a clean driving record, improving your credit score, bundling multiple policies, and comparing quotes from various insurers.

What is the minimum car insurance in TN?

In Tennessee, the minimum car insurance requirements are 25/50/15 liability coverage. This includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage. Drivers must maintain at least these coverage levels to comply with state law.

Are there discounts available for teen drivers in Tennessee?

Yes, many providers in Tennessee, such as State Farm, Geico, and Farmers, offer discounts that can lower your monthly premiums. These savings make it easier to find cheap auto insurance in Tennessee without compromising coverage.

How much is auto insurance a month in Tennessee?

In Tennessee, the top three auto insurance providers offer monthly rates of $72 with State Farm, $78 with Geico, and $86 with Farmers.

Is Geico a good option for cheap auto insurance in Tennessee?

Yes, Geico is a solid option for cheap auto insurance in Tennessee, offering rates starting at $78 per month. Geico also offers discounts for good driving habits and multi-vehicle policies.

What factors affect car insurance rates in Tennessee?

Factors that affect the cost of auto insurance in Tennessee include your driving history, location, vehicle type, and credit score. Providers like State Farm and Geico offer lower rates, but it’s important to compare individual quotes based on your factors.

Can I get discounts on auto insurance in Tennessee?

Yes, many providers, such as State Farm, Geico, and Farmers, offer various discounts. You can save on affordable auto insurance in Tennessee with discounts for safe driving, bundling multiple policies, or having specific safety features in your vehicle.

How does a DUI affect auto insurance rates in Tennessee?

A DUI conviction can significantly increase your auto insurance premiums in Tennessee. However, some insurers, such as Progressive, State Farm, and The General, offer policies tailored for high-risk drivers; although rates will still be higher compared to those for drivers with clean records. ​

How does Liberty Mutual compare to cheap auto insurance in Tennessee?

Liberty Mutual’s rates are higher, starting at $184 per month, making it a less affordable option compared to providers like State Farm and Geico. Get the cheapest auto insurance rates possible by entering your ZIP code into our free comparison tool today.

Free Auto Insurance Comparison

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<h3>Car Ownership</h3>
<h3> Commute time </h3>
<h3>Commuter Transportation</h3>
<h3>Car Ownership</h3>
<h3> Commute time </h3>
<h3>Commuter Transportation</h3>