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Searching for car insurance in Tennessee? Our team has done all of the research on the best car insurance companies so you don’t have to. Read our guide in order to choose the right provider for your needs in Tennessee.

If you live in the Volunteer State, it is required for you to have auto insurance coverage to drive safely. Our research team has evaluated the pros and cons of each provider as well as the state’s minimum requirements.

We recommend getting multiple car insurance quotes in order to make the best decision. You can simply enter your zip code in the tool below to start comparing free quotes. 

 

In this article:

 

Cheapest Car Insurance Companies In Tennessee

According to our cost estimates for Tennessee, USAA, State Farm, and Progressive are among the cheapest full-coverage providers.

Car Insurance Provider Average Annual Cost Estimate
USAA $755
State Farm $835
Progressive $1055
Nationwide $1220
Travelers $1451

 

Cost Of Car Insurance In Tennessee

In Tennessee, the average annual auto insurance expenditure was $856 in 2018, according to the National Association of Insurance Commissioners (NAIC). The national average was $1,056.

Here’s a closer look at what drivers typically spent on Tennessee auto insurance:

Type Of Coverage Average Annual Expenditure
Liability coverage $477
Collision coverage $355
Comprehensive coverage $164
Total Cost $856

*Most drivers carry liability coverage but not necessarily other types of auto insurance. Total average annual expenditure measures what Tennessee drivers actually spent on auto insurance in 2017.

 

Annual Tennessee Car Insurance Estimates By Age

24-year-olds can pay up to $392 more for car insurance than 35-year-olds in Tennessee.

Age Tennessee Annual Car Insurance
24 $1629
35 $1237
 

Annual Tennessee Car Insurance Estimates By Gender

According to our rate estimates, insurance premiums in Tennessee aren't greatly affected by gender.

Gender Tennessee Annual Car Insurance
Female $1226
Male $1247
 

Annual Tennessee Car Insurance Estimates For Drivers With Bad Credit

Drivers with poor credit can pay up to $1,259 more than drivers with good credit.

Credit Rating Tennessee Annual Car Insurance
Good $1237
Fair $1559
Poor $2496
 

Annual Tennessee Car Insurance Estimates For Bad Drivers

Car insurance costs can rise significantly due to speeding tickets, accidents, and DUIs.

Driving Record Tennessee Annual Car Insurance
Clean $1237
Speeding Ticket $1468
At-Fault Accident $1783
DUI $1894
 

Factors That Affect Car Insurance Quotes: Tennessee

The average car insurance rates depend on a great deal of personal and vehicle information. Car insurance quotes in Tennessee are determined by: 

  • Your age
  • Marital status
  • Gender
  • Vehicle year, make, and model
  • Your credit score
  • Your ZIP code
  • Driving record

 


 

 

Our Top Picks For Car Insurance In Tennessee

We’ve done our homework on the best providers available in Tennessee and ranked them below for your convenience.

Best Tennessee Auto Insurance  Motor1 Rating Average Cost
1. State Farm Car Insurance 4.5 $835
2. Geico Car Insurance 4.5 N/A
3. Erie Car Insurance 4.0 N/A
4. USAA Car Insurance 5.0 N/A
 

*Not all companies were included in our rate estimates for each state. You may also notice that some car insurance companies are listed above those with higher star ratings. This is because our ratings take into account nationwide factors, while our ranking looks specifically at what insurance providers are best for auto insurance in Tennessee.

 


 

State Farm Insurance logo

#1 State Farm Insurance: Best For Students

Overall, our top recommendation for Tennessee auto insurance is State Farm because of its easy online quotes process, affordability, and usage-based coverage options. 

State Farm offers six types of auto insurance and also has a few additional coverage options:

  • Rental car coverage: State Farm covers a rental car while your car is being repaired after a covered claim (up to the limits you choose).
  • Travel expense coverage: State Farm pays for meals, lodging, and transportation (up to $500) if you get in an accident more than 50 miles from home and can’t get home. It also covers a return trip to pick up your car.
  • Rideshare coverage: If you work for a rideshare company such as Uber or Lyft, you should add this to your Tennessee auto insurance policy because a standard policy doesn’t cover the commercial use of your vehicle.
  • Roadside assistance: Emergency road service includes one hour of labor at the breakdown site, towing to the nearest repair shop, fluid delivery, jump-starts, spare tire installation, and lockout services.

State Farm car insurance has an A+ rating from the Better Business Bureau (BBB), a 4.7-star rating on Google Play, and 4.8-star rating on the App Store. Its BBB page has some negative reviews, but almost all have responses from State Farm to resolve issues.

Overall, State Farm is most reviewed for its affordability. Its Drive Safe & Save™ program can save you up to 30 percent if you are a safe driver, and the Steer ClearⓇ program is highly suited for students and young drivers. Both of these plans have simple mobile applications that are also highly rated on the App Store.

Pros  Cons
Comprehensive coverage offerings Reported errors with autopay
Largest auto insurer in the country, available in 48 states Not taking new customers in Massachusetts or Rhode Island
Many discounts for teens and students Higher rates than some competitors
Easy online quotes process and positive customer reviews  
Superior financial strength rating and A+ rating from the BBB  
 

To learn more about State Farm, read our full State Farm auto insurance review.

 


 

Geico Insurance logo

#2 Geico Insurance: Best Overall Nationwide

Geico is our second recommendation for Tennessee auto insurance because of its affordability and easy claims process. It offers standard coverage as well as roadside assistance and rental reimbursement.

Geico is highly rated for its outstanding customer service. It has an A+ rating from the BBB. Geico’s claims process is made simple with its mobile app that lets you submit claims with your accident information. The app has a 4.8-star rating on both Google Play and the App Store.

Geico’s BBB page has some negative reviews about issues with how claims were settled, however this is common in the insurance industry. We recommend reading both positive and negative reviews before making your decision on car insurance.

Pros  Cons
Superior financial strength rating and A+ rating from the BBB Average quotes experience
Many choices for coverage Usage-based app not available in all states
High level of customer satisfaction  
Available in 50 states  
 

For more information, check out our full Geico auto insurance review.

 


 

Erie Insurance logo

#3 Erie Insurance

Erie car insurance is only available in a handful of states, including Tennessee. But this Fortune 500 company is worth looking into if you are in one of its qualifying states. It offers customizable coverage options and is highly rated by customers.

In addition to basic Tennessee auto insurance coverage, here are some offerings from Erie:

  • Pet coverage: If your pet is injured during an auto accident in your vehicle, you will be reimbursed for vet costs up to $500 per pet and up to $1,000 total.
  • Personal item coverage: Your personal items such as luggage and belongings are covered up to $350.
  • Auto glass repair: With comprehensive coverage, you can get glass repair with no deductible. You can also upgrade to Full Window Glass, which waives the deductible for repairs and replacements. New wiper blades are included if your windshield is replaced.
  • Roadside and rentals bundle: This covers you during roadside emergencies and when you need a rental car.
  • Locksmith services: With comprehensive coverage, locksmith charges are covered up to $75.

There are several add-on plans available for Tennessee auto insurance policies, including the Erie Auto Plus plan, Erie Rate Lock, auto security, and additional rental car coverage. Erie also offers several discounts including: 

  • Safe driving discount
  • Car safety equipment discount
  • Multi-car discount
  • Reduced usage discount
  • Young drivers discount
  • Annual payment plan

Erie has an A+ rating from the BBB and was also the second highest-scoring insurance company for customer satisfaction in the mid-Atlantic region in J.D. Power’s 2021 U.S. Auto Insurance Study℠. All of the complaints about Erie reported on the BBB have been resolved.

Pros  Cons
A+ rating from the BBB and A+ rating in financial strength from AM Best Mixed customer service reviews during claims process
High customer satisfaction  
Comprehensive coverage options  
Variety of auto insurance discounts  
 

To find out more, check out our complete Erie auto insurance review.

 


 

USAA Insurance logo

#4 USAA Insurance: Best For Military

USAA car insurance is a great choice if you or any of your family members is a current or former member of the military. Through our research, we’ve found that the company is affordable and has top-tier customer service.

Along with basic Tennessee auto insurance coverage, USAA offers a variety of products and services:

  • Roadside assistance: This optional coverage gives you peace of mind if something should malfunction while you are driving. Services include towing, lockout services, jump-starts, flat tire changes, and gas delivery.
  • Rental reimbursement: While your vehicle is in the shop for repairs after an accident, you can receive rental car coverage.
  • Accident forgiveness: Though accident forgiveness insurance requires an additional charge, you receive no increase in premiums after an at-fault accident. If you remain accident-free for five years, this plan is available at no cost.
  • Glass coverage: You don’t have to pay out of pocket for windshield or window repairs.
  • Guaranteed asset protection (GAP): If you finance a vehicle, this protection covers the difference between what the car is worth versus what is owed during a total loss. USAA car insurance doesn’t cover a leased vehicle, as some other companies do.
  • Car replacement assistance (CRA): The biggest difference between this plan and GAP insurance is that CRA pays 20 percent more than the actual cash value of your vehicle. If your loan is more than this, you will be responsible for paying out of pocket. If the vehicle isn’t financed, this additional payment helps you buy a new vehicle.

The 2021 J.D. Power U.S. Insurance Shopping StudySM lists USAA insurance as the top choice in customer satisfaction. Its BBB page has some negative reviews from customers, but each instance tends to have a response from the USAA team. For more information about Tennessee auto insurance from the provider, read our comprehensive USAA auto insurance review

Pros  Cons
Affordable rates and numerous discounts Only available for military and their families
Good choice for military service members  
Superior financial strength rating and A- rating from the BBB  
 

To see how much you would pay for auto insurance in Tennessee, enter your zip code below for free, personalized quotes.

 

 

Tennessee Minimum Coverage Requirements

In Tennessee, the state minimum requirements for your liability auto insurance are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liabilityper accident
  • $15,000 property damage liability per accident

These levels of coverage help guarantee that you are financially protected in an accident with an at-fault driver. You likely want to select more than the minimum on your Tennessee auto insurance policy in order to protect you and your vehicle in a serious accident.

 


 

What To Know About Driving In Tennessee

Tennessee state law requires you to have certain types of auto insurance. If you are caught driving without insurance, you will receive a misdemeanor as well as:

  • Fines up to $2,500
  • Jail time for up to 11 months and 29 days
  • Possible suspension of driving privileges
  • Reinstatement fees for driving privileges

Tennessee is considered a “fault state,” meaning that if you are involved in a car accident you are able to recover damages from the insurance company of the person at fault. In the case of an accident, the harmed driver will proceed by:

  • Filing a claim with their car insurance company to later be reimbursed by the insurance company of the at-fault driver
  • Filing a third-party claim with the car insurance company of the at-fault driver
  • Filing a third-party injury lawsuit in civil court against the at-fault driver

In order to avoid paying these expenses out of pocket, it is important to have at least the minimum liability car insurance. 

Uninsured Motorists

Tennessee has some of the highest rates of uninsured motorists in the country, according to the Insurance Research Council. It estimates 24 percent of drivers in Tenessee were uninsured in 2019, about one in every four drivers.

It also ranked Tennessee as third overall for the greatest amount of uninsured drivers in the country. 

That means drivers in Tennessee may want to consider uninsured/underinsured motorist coverage. Although not listed under the state’s car insurance requirements, this type of policy helps cover damages from an uninsured motorist or when someone has insufficient coverage.

 


 

Final Thoughts On Car Insurance In Tennessee

You have many choices for coverage in the Volunteer State. When choosing a Tennessee auto insurance company, keep in mind the level of coverage you are looking for, the price, and factors like the ease of the claims experience and the company’s reputation.

Tennessee is an at-fault state, and it is crucial to have the minimum liability requirements in order to drive safely. We recommend evaluating all of your options before choosing the best coverage plan for your needs. Fill out the easy form below to get personalized quotes for your vehicle.

 

 

Frequently Asked Questions

Who has the cheapest car insurance in Tennessee?

Our team found that Erie and USAA are great options for cheap car insurance in Tennessee. We recommend State Farm as the top Tennessee auto insurance provider because of its easy quotes process and usage-based insurance options.

What is the average cost of car insurance in Tennessee?

In Tennessee, the average cost of car insurance was $856 in 2018, according to data from the NAIC. The national average that year was $1,056.

Does Tennessee require auto insurance?

Yes, Tennessee requires auto insurance. Penalties for driving without auto insurance in Tennessee include fines, suspension of your driver’s license, and possible jail time.

 


 

Methodology

In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews auto insurance rate estimates generated by Quadrant Information Services for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

 

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