Note from the editor: Perhaps you are looking for car insurance for your first time, or want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be […]
Note from the editor: Perhaps you are looking for car insurance for your first time, or want to shop for insurance to lower your monthly premium. This article is a good starting point to your research on car insurance. There are many factors that affect the cost of car insurance. While you might not be able to see exact premiums, they will give you an idea about the best rates available in your area.
There are many places to drive in Tennessee, from Graceland to Great Smoky Mountains.
Is your ride covered with the right coverage? Read on if you want to lower your premium. We have calculated the average insurance rates for Tennessee drivers with differing needs and profiles.
Except where noted, our calculations were based on a driver profile that has not had any accidents, claims, or tickets. (See our complete methodology). Rates may vary depending on factors such as driving record, age, vehicle type and mileage.
Continue reading to find out about Tennessee’s average car-insurance rates. We also have some recommendations for the best deals.
Car insurance costs in Tennessee
The monthly premiums for Tennessee car insurance vary from just over $40 to just below $100 depending on the type of coverage you choose and your driver profile.
Monthly average auto insurance premiums in Tennessee
Driver and coverage |
Avg. Monthly cost |
|---|---|
| Tennessee’s minimum state-minimum auto insurance | $43.25 |
| Poor credit drivers in Tennessee | $78.21 |
| Multiple claims drivers in Tennessee | $95.01 |
| Young drivers inTennessee | $73.25 |
Based upon our standard driver profile, minimum coverage, unless noted
Top 5 Cheapest Car Insurance Companies in Tennessee
Auto-Owners Insurance was the most affordable for basic coverage, while Tennessee Farmers had the lowest rates. We used a Tennessee driver profile to evaluate insurers and get an idea of the average cost for each Tennessee driver. This means that your rates may differ.
Except where noted, the Tennessee driver has a credit score of 680 to 719, is between 36 and 45 years old, and drives a car valued at $20,000 to $3,000.
We also calculate the most affordable insurance for drivers of different ages, driving records, coverage options, and credit outlooks.
1. Auto-Owners insurance
Independent agents can offer Auto-Owners car insurance. They could provide minimum coverage for as low as $24.29 per monthly for our Tennessee driver. You have the option to choose from a range of standard coverage options. Additionally, you can get additional benefits such as at-fault accident forgiveness and common loss deductible. Rental coverage is also available. Collision coverage advantage waives your deductible in case you are involved in an accident with another covered vehicle by Auto-Owners.
See reviews about Auto-Owners Insurance.
2. Tennessee Farmers
Tennessee Farmers could provide basic coverage for as little as $25.50 per monthly to our driver profile. Tennessee Farmers is a subsidiary Farm Bureau Insurance. You don’t have to be a farmer to sign up for coverage from Tennessee Farmers, which offers comprehensive, collision and liability coverages, plus medical payments coverage, uninsured/underinsured motorist coverage, emergency road service and rental reimbursement. The First Mile program offers discounts for drivers aged 16-17 years old.
3. Westfield
Westfield might offer minimum coverage to our Tennessee driver profile by offering a $26.67 monthly policy. Independent agents can insure cars, trucks and boats as well as RVs, boats, SUVs, motorhomes and motorcycles. Drivers can choose from all of the standard coverage options as well as some extras, including roadside assistance, loan/lease gap coverage and uninsured/underinsured motorist insurance.
4. Penn National
Penn National could provide basic coverage starting at $28.17 per mo for a Tennessee driver profile. Drivers may also be eligible for car insurance discounts such as bundling policies or multiple vehicles, paying their premium fully, having certain safety features, like seatbelts, antilock brakes, and maintaining high grades.
5. USAA
Our Tennessee driver profile could also choose minimum coverage from USAA starting at $29.21 per monthly. USAA offers insurance and other benefits for military personnel and their families. Drivers can choose collision, comprehensive, liability and uninsured/underinsured motorist coverage. USAA offers several discounts and the SafePilot usage-based program.
Review USAA auto insurance.
The cheapest state-minimum car coverage in Tennessee
Tennessee requires drivers to have a minimum level of insurance. This is also known as state-minimum insurance. It is the cheapest type of insurance that you can choose.
These insurers provide the lowest car insurance rates for Tennessee drivers who are looking for minimum coverage.
The cheapest car insurance providers in Tennessee that offer state-minimum coverage
1 |
Auto-Owners Insurance | $24.29/month |
2 |
Tennessee Farmers | $25.50/month |
3 |
Westfield | $26.67/month |
4 |
Penn National | $28.17/month |
5 |
USAA | $29.21/month |
Based upon our standard driver profile, seeking minimum coverage for Tennessee
Best car insurance for people with good credit in Tennessee
Insurers consider credit when calculating your rate. If you have excellent credit, your car insurance will likely cost less.
These are the companies with the lowest rates for basic auto insurance for drivers with good credit.
The cheapest car insurance in Tennessee for people with good credit
1 |
Auto-Owners Insurance | $18.68/month |
2 |
Penn National | $20.67/month |
3 |
Westfield | $21.71/month |
4 |
State Farm | $24.13/month |
5 |
Tennessee Farmers | $24.72/month |
Based upon our standard driver profile, adjusted for Tennessee drivers with a credit score greater than 720
Lowest car insurance in Tennessee for people with poor credit
A lower credit score often means a higher monthly premium for car insurance. There are some things you can do to reduce your insurance costs, such as driving safely and avoiding gaps.
You may be a Tennessee driver with bad credit and not able to pay the minimum rate for basic coverage.
The cheapest car insurance in Tennessee for people with bad credit
1 |
Tennessee Farmers | $29.17/month |
2 |
Nationwide | $39.23/month |
3 |
Geico | $43.30/month |
4 |
Westfield | $47.15/month |
5 |
Safe Auto | $51.17/month |
Based upon our standard driver profile, adjusted for Tennessee drivers with a lower credit score than 580
Lowest car insurance for drivers who have multiple claims in Tennessee
When determining the cost for your car insurance, another piece of the puzzle is your claims history. If you have a history of claims or accidents, your insurance premiums may be higher.
These are the lowest-priced car insurance companies that provide minimum coverage for drivers who have multiple claims in Tennessee.
5 Best Car Insurance Companies in Tennessee for Multiple Claims
1 |
Tennessee Farmers | $38.33/month |
2 |
Auto-Owners Insurance | $44.88/month |
3 |
Penn National | $50.00/month |
4 |
State Farm | $52.88/month |
5 |
Nationwide | $62.67/month |
Based upon our standard driver profile, adjusted for display rates for a Tennessee driver who has two claims and not zero
Cheapest car Insurance for Young Drivers in Tennessee
Your age can also impact how much insurance you pay. Drivers younger than 25 years old typically pay more for insurance.
These are the five companies which may offer the best basic coverage for Tennessee drivers aged 18-21.
Top 5 Best Car Insurance Companies in Tennessee for Young Drivers
1 |
Westfield | $38.13/month |
2 |
Auto-Owners Insurance | $44.63/month |
3 |
Geico | $48.13/month |
4 |
Tennessee Farmers | $48.17/month |
5 |
State Farm | $52.58/month |
Based upon our standard driver profile, adjusted for Tennessee drivers aged 18-21 instead 36-45
Tennessee auto insurance requirements
Tennessee law requires that drivers have minimum auto insurance. The policy must provide coverage for at least $25,000 per injury or death, $50,000 per total injury or death, and $25,000 per accident property damage. If you are a borrower or leaser of a vehicle, you may need additional coverage for collision and comprehensive.
Tennessee offers usage-based insurance.
A type of vehicle insurance that is driven-based, usage-based insurance allows customers to pay premiums according to their driving habits. Tennessee drivers can take advantage of UBI programs offered by their insurers to monitor their driving habits and reduce their monthly payments.
FAQs regarding the lowest car insurance rates in Tennessee
Who has the cheapest car insuring?
Our research shows that most Tennessee drivers will be able to find the lowest car insurance rates with Auto-Owners or Tennessee Farmers.
What is Tennessee’s minimum car insurance?
Tennessee law requires that drivers carry minimum liability coverage. Minimum liability coverage for drivers in Tennessee is $25,000 per driver, $50,000 per accident of bodily injuries insurance and $25,000 property damage coverage. Your lender might have additional requirements if you lease your vehicle.
How can I lower my Tennessee car insurance?
There are many options to reduce your car insurance costs. You can bundle multiple policies with one insurer, or lower the amount of coverage, especially for older vehicles. Participating in a usage-based program could help you save even more money.
Methodology
Based on a profile of a Tennessee driver between 36 and 45, the rates shown in this article are the lowest basic coverage. The rates shown assume that there is only one driver on the policy, with no driving tickets and no coverage lapses. This estimate assumes that the vehicle is worth between $20,000 to $30,000 with an annual mileage of 12,000-15,000 and has an annual value between $20,000 and $30,000 Rates for insurance for good credit are based on scores of 720 and higher. Rates for insurance for people with poor credit range from 350 to 579. The estimated rates for young drivers are those aged 18-21. Rates for multiple claims are based on two claims.
Quadrant Information Services provides rates every six months. Quadrant Information Services does not include all insurance companies in the rate data. These rates are estimates and are not intended to be used as a comparison or frame of reference. Rates can vary depending on many factors such as vehicle driving habits, age, and past history.
The average monthly premium for full-coverage car insurance covers bodily injury, property damages, personal injury protection, collision, and comprehensive coverages. The average monthly premium for minimum-cost car insurance is a
Tennessee-mandated 25/50/25 policy