How Much Is Car Insurance In Tennessee? 2025 Rates

When it comes to owning a car in Tennessee, one of the key costs to consider is car insurance. Whether you’re a first-time driver or a seasoned motorist, understanding how much car insurance will cost you in the Volunteer State is essential for managing your budget and staying compliant with the law.

In Tennessee, the average annual cost for full-coverage car insurance is $2,022, which is lower than the national average of $2,388. However, the cost for minimum coverage is $672 per year, slightly above the national average of $664.

In this article, we’ll look at the various types of car insurance coverage available in Tennessee, as well as the factors that influence how much you’ll pay. With over 12 years of experience as a licensed insurance agent, I’ll help you make an informed decision about your coverage.

Your insurance rates are influenced by more than just the state you live in. Factors like your age, credit score, driving record, gender, and marital status all play a role in determining your premium.

Other elements, such as your ZIP code, traffic patterns, and local crime rates, can also affect your insurance costs. To save money, it’s a good idea to shop around and compare quotes from different providers.

Cost Of Car Insurance In Tennessee – By Age

Car insurance companies usually charge higher rates for younger drivers and offer discounts to older drivers. This is because young drivers are considered less experienced and are seen as having a higher risk of being involved in accidents.

Here is a table displaying the average car insurance costs by age:

Average Tennessee Auto Insurance Rates – By Insurance Company

Car insurance rates can differ between companies, even within the same state. In Tennessee, Travelers provides the lowest full-coverage premium at $837 annually, while Progressive has the highest average rate at $1,451 per year.

When looking for the most affordable car insurance in Tennessee, it’s important to compare quotes from different providers.

Here is a table displaying average auto insurance rates by six national carriers in Tennessee:

Average Tennessee Car Insurance Premiums – By Credit Score

Your credit history can have a big impact on your car insurance rates. Insurance companies often use your credit report to create a credit-based insurance score, which helps them set your premium. Studies show that there is a connection between your credit score and the chance of making an insurance claim.

If you have good credit, you might pay lower premiums, while poor credit can lead to higher rates. Although not all states allow insurers to use credit history in setting premiums, Tennessee is one of the states that does.

Here is a table displaying average car insurance premiums based on different credit score categories in Tennessee:

Average Car Insurance Costs In Tennessee – By Gender

In some states, car insurance companies are not allowed to use your age and gender to set your premium, but Tennessee does not have this restriction. Younger male drivers tend to have higher rates of serious accidents and are more likely to be involved in incidents like DUIs, which results in higher insurance costs for them.

Here is a table displaying average car insurance costs by gender in Tennessee:

Cost Of Tennessee Car Insurance – By Driver Record

The cost of car insurance in Tennessee is heavily influenced by your driving record. Drivers with a clean record typically pay lower premiums, around $1,211 per year for full coverage.

However, an at-fault accident can increase rates by 20-30%, while traffic violations like speeding tickets can raise premiums by 10-20%. Drivers with multiple accidents or violations may face even higher premiums. Maintaining a clean driving record is key to keeping insurance costs lower in Tennessee.

Here is a table displaying average car insurance costs based on different driving records in Tennessee:

Average Tennessee Auto Insurance Costs – By Marital Status

Being married can help reduce your car insurance rates. Insurance companies view married drivers as more stable and less likely to take risks on the road, which can lead to lower premiums.

Here is a table displaying average car insurance costs by marital status in Tennessee:

Cost Of Car Insurance In Tennessee – By Coverage Type

The cost of car insurance in Tennessee also depends on the type of coverage you choose. While full coverage typically costs more, it provides better financial protection. Adding comprehensive and collision coverage to your policy will raise your premium, but choosing higher deductibles can help lower some of these extra costs.

Here is a table displaying average car insurance costs by coverage type in Tennessee:

Average Tennessee Car Insurance Rates – By City

Most drivers are aware that car insurance rates differ from state to state, but your city can also play a role in determining how much you pay for coverage. Insurance premiums may be higher in certain cities due to factors like the number of uninsured drivers, higher crime rates, and frequent severe weather.

Areas with more traffic, a higher risk of accidents, or increased theft also tend to see higher rates. Understanding how your city impacts your car insurance can help you make informed decisions when shopping for coverage.

In the following table, we explore the average car insurance costs in ten different Tennessee cities to illustrate these differences.

Average Tennessee Car Insurance Rates – By ZIP Code

Car insurance rates in Tennessee can vary depending on your ZIP code. This is because factors such as traffic density, crime rates, accident statistics, and even weather patterns can influence how much you’ll pay.

Typically, urban areas or locations with higher crime rates and more traffic will have higher premiums compared to rural areas with fewer accidents and lower crime rates.

For example, in cities like Memphis or Nashville, where traffic congestion and theft rates are higher, car insurance premiums may be more expensive. On the other hand, in smaller towns or rural areas, where there are fewer cars on the road and lower crime rates, you can expect to pay less.

In the following table, we look at average car insurance costs for ten diverse zip codes across Tennessee, highlighting these localized variations.

Tennessee Car Insurance Prices Compared To Other U.S. States

Comparing car insurance rates in Tennessee to those in other states is crucial for drivers who want to understand how Tennessee fares in terms of affordability and what factors affect these price differences.

Car insurance costs can vary significantly across the U.S. due to state-specific laws, population density, and local weather conditions, all of which influence insurance premiums in different regions.

In the following table, we provide you with a comprehensive comparison of average car insurance rates across all U.S. states, providing a clearer picture of how Tennessee fares on the national stage.