Cheapest Car Insurance In Tennessee For 2025
USAA offers the cheapest car insurance in Tennessee, with average annual rates of $420 for minimum coverage.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re searching for the cheapest car insurance in Tennessee, USAA stands out as the most affordable option for minimum coverage, at an average of $420 per year, which is lower than the national average of $637.
Drivers in Tennessee looking for full coverage car insurance can find the lowest rates with Travelers, averaging $1,380 per year. This is significantly lower than the national average of $2,401.
Key Takeaways
USAA & Tennessee Farm Bureau provide the cheapest car insurance policies in Tennessee, on average.
The average cost of car insurance in Tennessee ranges between $135-$190 per month.
Discounts are a good way to reduce your car insurance premium.
Cheapest Car Insurance Companies In Tennessee, 2025
Cheapest Car Insurance In Tennessee For Minimum Coverage – USAA
Minimum coverage in car insurance represents the most fundamental level of protection, aligning with the legal mandates set by the state of Tennessee.
USAA offers the cheapest minimum coverage car insurance in Tennessee, with average monthly premiums of $35.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $41 | $492 |
| Erie Insurance | $39 | $468 |
| Progressive | $43 | $516 |
| Tennessee Farm Bureau | $37 | $444 |
| USAA | $35 | $420 |
Cheapest Car Insurance In Tennessee For Full Coverage – Travelers
Full coverage car insurance encompasses a more extensive range of protection compared to minimum coverage, making it a comprehensive choice for many drivers. This type of policy typically integrates both comprehensive and collision insurance, creating a robust safety net.
Travelers has the cheapest full coverage car insurance in Tennessee. You can get coverage for around $115 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie Insurance | $117 | $1,404 |
| Farm Bureau of Tennessee | $123 | $1,476 |
| Progressive | $129 | $1,548 |
| Travelers | $115 | $1,380 |
| USAA | $119 | $1,428 |
Cheapest Car Insurance In Tennessee For Drivers With Poor Credit – Auto-Owners
Credit score plays a pivotal role in the calculation of car insurance rates, serving as a key indicator for insurers in assessing the risk profile of a driver. The underlying premise is that individuals with lower credit scores are statistically more likely to file insurance claims.
If you have poor credit, you can find the cheapest car insurance with Auto-Owners. Premiums are around $148 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance | $148 | $1,776 |
| Erie Insurance | $152 | $1,824 |
| Geico | $157 | $1,884 |
| Tennessee Farm Bureau | $165 | $1,980 |
| Travelers | $154 | $1,848 |
Cheapest Car Insurance In Tennessee For Seniors – Farm Bureau
Car insurance for seniors in Tennessee can be found at an affordable rate of $109 per month with Farm Bureau.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $112 | $1,344 |
| Farm Bureau | $109 | $1,308 |
| GEICO | $134 | $1,608 |
| Nationwide | $126 | $1,512 |
| Travelers | $123 | $1,476 |
Seniors in Tennessee have the potential to secure competitive rates for their car insurance, thanks to the various factors that work in their favor. Age can indeed be a significant factor in determining insurance premiums, with the assumption being that as drivers age, their reflexes and driving abilities might decline. However, this is not a hard and fast rule, and many seniors maintain excellent driving records well into their later years.
Cheapest Car Insurance In Tennessee For Teenagers – Tennessee Farmers Mutual
Teenage car insurance rates in Tennessee are typically the highest out of any age group, this is because teenagers have a high rate of accidents, which translates into high premiums
Tennessee Farmers Mutual has the cheapest rates for teens, with an average monthly premium of $186.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie Insurance | $189 | $2,268 |
| Progressive | $194 | $2,328 |
| State Farm | $198 | $2,376 |
| Tennessee Farm Bureau | $202 | $2,424 |
| Tennessee Farmers Mutual | $186 | $2,232 |
Cheapest Car Insurance In Tennessee For Good Drivers – Auto-Owners
Good drivers, characterized by their clean driving records, are typically rewarded with lower car insurance rates. Insurance companies assess risk based on a driver’s history, and those without any violations or accidents naturally fall into the low-risk category.
Auto-Owners provides the cheapest auto insurance policy in Tennessee for drivers with a clean record, at an average annual rate of $1,056.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance | $88 | $1,056 |
| Tennessee Farmers Mutual | $90 | $1,080 |
| GEICO | $92 | $1,104 |
| State Farm | $94 | $1,128 |
| Travelers | $89 | $1,068 |
Cheapest Car Insurance In Tennessee For Drivers With A Speeding Ticket – Tennessee Farmers Mutual
Tennessee Farmers Mutual has average premiums of $149, making it the cheapest option for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $159 | $1,908 |
| Farmers Insurance | $154 | $1,848 |
| GEICO | $163 | $1,956 |
| Progressive | $167 | $2,004 |
| Tennessee Farmers Mutual | $149 | $1,788 |
Cheapest Car Insurance In Tennessee For Drivers With An At-Fault Accident – Auto-Owners
Auto-Owners has average premiums of $164, making it the cheapest option for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners Insurance | $164 | $1,968 |
| Farm Bureau Insurance | $168 | $2,016 |
| GEICO | $172 | $2,064 |
| Progressive | $176 | $2,112 |
| State Farm | $180 | $2,160 |
Cheapest Car Insurance In Tennessee For Drivers After A DUI – Tennessee Farm Bureau
Tennessee Farm Bureau has average premiums of $89, making it the cheapest option for drivers with a DUI on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie Insurance | $141 | $1,692 |
| Farmers | $168 | $2,016 |
| State Farm | $94 | $1,128 |
| Tennessee Farm Bureau | $89 | $1,068 |
| Travelers | $123 | $1,476 |
Average Cost Of Car Insurance In Tennessee – By Age
An 18-year-old driver in Tennessee can expect to pay around $4,080 per year for their insurance, while a 35-year-old driver will only pay around $2,280.
Your age plays a significant role in determining your car insurance rate. Young drivers typically pay the highest premiums, with rates dropping as you get older.
| Age | Average Monthly Cost | Average Annual Cost |
| 16 | $385 | $4,620 |
| 17 | $365 | $4,380 |
| 18 | $340 | $4,080 |
| 19 | $315 | $3,780 |
| 21 | $275 | $3,300 |
| 25 | $230 | $2,760 |
| 35 | $190 | $2,280 |
| 45 | $180 | $2,160 |
| 55 | $175 | $2,100 |
| 65 | $185 | $2,220 |
| 75 | $220 | $2,640 |
Average Cost Of Car Insurance In Tennessee – By City
Drivers in Memphis typically pay around $1,824 per year, while drivers in Columbia may find rates around $1,584.
The city that your home is in greatly affects your car insurance premiums. Cities usually have higher risks of theft and accidents.
| City | Average Monthly Rate | Average Annual Cost |
| Bartlett | $136 | $1,632 |
| Columbia | $132 | $1,584 |
| Jackson | $138 | $1,656 |
| Memphis | $152 | $1,824 |
| Nashville | $148 | $1,776 |
Minimum Car Insurance Requirements In Tennessee
Tennessee drivers must have minimum car insurance with liability coverage set at 25/50/25. The minimum amount of coverage required by law is as follows:
- $25,000 for bodily injury per person
- $50,000 in bodily injury per accident
- $25,000 for property damage per accident
Car Insurance Discounts In Tennessee
While searching for car insurance, it’s wise to explore providers that present the most beneficial discounts tailored to your circumstances. Additionally, consulting with your insurance agent can reveal potential discounts that you might not be currently utilizing.
Below is further insight into the common types of discounts provided by top car insurance companies:
- Multi-policy: Bundle two or more insurance policies with the same company.
- Multi-vehicle: Insuring multiple cars under the same policy or combining auto insurance policies earns you this discount.
- Military: This generally applies to both veterans and active-duty military members.
- Senior: This often applies to policyholders who are 55 or older.
- Homeowners: If you own a home, you may qualify for this discount.
- Good student: This discount is usually for college and high school students under 25 who maintain a B average in their courses.
- Good driver: You can save money by maintaining a clean driving record (with no at-fault accidents, DUI, or traffic tickets in the last three years).
- Defensive driving: Those who take a qualifying defensive driving course get a discount.
- Driver training: Get a discount by taking a driver education training course.
- New car: Drivers who purchase new cars, typically no more than three model years old, get a discount.
- Safe car: This applies if your vehicle has safety features like anti-theft technology.
- Paperless: Receive a discount by opting to receive your documents through email.
- Pay-in-full: Save on your car insurance premium by paying in full up front.
Compare Rates To Other U.S. States
| State | Average Annual Premium |
| Alabama | $1,777 |
| Alaska | $1,576 |
| Arizona | $1,873 |
| Arkansas | $1,923 |
| California | $2,462 |
| Colorado | $2,139 |
| Connecticut | $1,834 |
| Delaware | $2,076 |
| Florida | $2,576 |
| Georgia | $1,974 |
| Hawaii | $1,546 |
| Idaho | $1,362 |
| Illinois | $1,672 |
| Indiana | $1,502 |
| Iowa | $1,488 |
| Kansas | $1,704 |
| Kentucky | $2,095 |
| Louisiana | $3,019 |
| Maine | $1,413 |
| Maryland | $1,991 |
| Massachusetts | $1,664 |
| Michigan | $2,199 |
| Minnesota | $1,702 |
| Mississippi | $1,892 |
| Missouri | $1,944 |
| Montana | $1,873 |
| Nebraska | $1,653 |
| Nevada | $2,211 |
| New Hampshire | $1,314 |
| New Jersey | $1,984 |
| New Mexico | $1,799 |
| New York | $2,281 |
| North Carolina | $1,432 |
| North Dakota | $1,623 |
| Ohio | $1,487 |
| Oklahoma | $2,062 |
| Oregon | $1,659 |
| Pennsylvania | $1,879 |
| Rhode Island | $2,174 |
| South Carolina | $1,944 |
| South Dakota | $2,376 |
| Tennessee | $1,615 |
| Texas | $1,983 |
| Utah | $1,784 |
| Vermont | $1,253 |
| Virginia | $1,531 |
| Washington | $1,703 |
| West Virginia | $1,726 |
| Wisconsin | $1,536 |
| Wyoming | $1,646 |
FAQs
How much is car insurance a month in Tennessee?
The monthly cost of car insurance in Tennessee varies widely but typically ranges from $135 to $190. Factors influencing the price include your driving record, type of coverage, and the make and model of your vehicle.
Which car insurance is better in Tennessee?
The “best” insurance in Tennessee depends on individual needs. USAA & Tennessee Farm Bureau are both popular for their affordability and customer service,
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Tennessee.
This is an informed perspective, honed by over 15 years of personal involvement in the industry as a licensed casualty insurance agent in Tennessee, countless interactions with representatives from various companies, and insights gleaned from firsthand experience buying car insurance in Tennessee.
Quotes Assessed
Hours Of Research
Years Of Industry Expertise
Brands Reviews
