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

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.

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

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.

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.

#1 – State Farm: Top Overall Pick

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.

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#2 – Geico: Cheapest for Employee Discounts

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

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

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.

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#5 – Progressive: Cheapest With Flexible Plans

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

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

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.

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#8 – Nationwide: Cheapest With Policy Options

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

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

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.

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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

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.

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.

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

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

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

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

Most Expensive 25 Cities Auto Insurance Monthly Rates in Tennessee

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

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

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

Find the Cheapest Insurance in Your City

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

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

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.

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

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.

• Good driver discount
• Homeowner’s discount
• Military Discount
• Multi-car discount
• Student Discount

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.

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

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

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

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

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

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

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

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.

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.

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.

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

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

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.

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

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.

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

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

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

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.

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

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

Tennessee DUI Penalties

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

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.

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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

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

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

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

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

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

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

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

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

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

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

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

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

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.