Cheapest Car Insurance in Tennessee (2025)
Best cheap car insurance in Tennessee
Cheapest full-coverage auto insurance in Tennessee: Erie
State Farm has more discounts than Erie, but Erie has some great coverages that State Farm does not. For example, if you bought your car in the last two years and it’s totaled in an accident, Erie will replace it with a new vehicle of the latest model year. Erie also offers gap insurance, while State Farm doesn’t.
USAA has the overall cheapest full-coverage insurance Full-coverage car insurance usually includes liability, collision and comprehensive coverages. Liability covers injuries and damage you cause to others. Collision and comprehensive protect your own vehicle from damage and theft. in Tennessee, but it only sells insurance to military members and their families.
Cheapest companies for full coverage
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | Erie | $1,379 |  |
 | State Farm | $1,506 |  |
 | Geico | $1,867 |  |
 | Farmers | $2,076 |  |
| Progressive | $2,591 | |
 | Allstate | $2,737 | |
 | USAA* | $1,055 | |
Tennessee’s best liability-only auto insurance: Erie
Because Erie and State Farm have similar liability Liability car insurance covers injuries and damage you cause to others. Most states require drivers to buy at least a minimum amount of liability coverage. rates, discounts could make a big difference. Look closely at the discounts offered to you when you compare car insurance quotes.
Cheapest company for minimum coverage
| Company | Annual rate |
|---|---|
| Erie | $468 |
| State Farm | $499 |
| Farmers | $679 |
| Progressive | $744 |
| Geico | $778 |
| Allstate | $1,060 |
| USAA* | $318 |
Best cheap auto insurance for teens in Tennessee: Erie
Teen drivers pay the highest car insurance rates of any age demographic. This is mostly due to their inexperience behind the wheel making them more likely to file a claim. Erie offers both a youthful driver discount for drivers under 21 who live at home, and a driver training discount for drivers under 21 who’ve taken a qualifying drivers education course.
Parents looking for cheap car insurance for a young driver should also consider adding their child to their own auto insurance policy to save money.
Cheapest companies for teen drivers
| Company | Liability only | Full coverage |
|---|---|---|
| Erie | $1,093 | $3,153 |
| Geico | $1,580 | $3,605 |
| State Farm | $1,717 | $4,455 |
| Farmers | $2,823 | $7,288 |
| Progressive | $3,159 | $10,354 |
| Allstate | $4,052 | $10,191 |
| USAA* | $931 | $2,760 |
Cheapest car insurance after a ticket in Tennessee: Erie
After getting a ticket or similar violation in Tennessee, your auto insurance rates can increase around 22%.
Cheapest companies after a ticket
| Company | Annual rate |
|---|---|
| Erie | $1,497 |
| State Farm | $1,631 |
| Farmers | $2,513 |
| Geico | $2,532 |
| Progressive | $3,193 |
| Allstate | $3,445 |
| USAA* | $1,256 |
Best car insurance rates after an accident in Tennessee: State Farm
Your car insurance rates may go up an average of 41% after an accident in Tennessee.
Cheapest companies after an accident
| Company | Annual rate |
|---|---|
| State Farm | $1,756 |
| Erie | $1,873 |
| Farmers | $2,535 |
| Geico | $2,768 |
| Progressive | $3,438 |
| Allstate | $4,696 |
| USAA* | $1,511 |
Best insurance for Tennessee teens with a bad driving record: Erie
Geico comes in second for teen drivers with a ticket ($1,894 a year). State Farm is second after an accident ($2,098 a year).
Cheapest companies for teens with bad driving records
| Company | Ticket | Accident |
|---|---|---|
| Erie | $1,278 | $1,445 |
| Geico | $1,894 | $2,118 |
| State Farm | $1,907 | $2,098 |
| Progressive | $3,050 | $3,081 |
| Farmers | $3,300 | $3,389 |
| Allstate | $5,477 | $6,316 |
| USAA* | $1,034 | $1,123 |
Cheap Tennessee car insurance rates after a DUI: Erie
Most Tennessee drivers see their car insurance rates increase around 51% after a DUI (driving under the influence) conviction.
Cheapest companies after a DUI
| Company | Annual rate |
|---|---|
| Erie | $2,248 |
| Progressive | $2,832 |
| Geico | $2,942 |
| Farmers | $3,006 |
| State Farm | $3,170 |
| Allstate | $3,706 |
| USAA* | $1,995 |
Tennessee’s best cheap car insurance for bad credit: Farmers
Both Farmers and Geico have many discounts, but Geico offers a few that can lower your rate by a lot. You could save 23% if your car has airbags. And if your car has an anti-theft system, you could save another 23%.
Drivers in Tennessee with poor credit pay around 98% more for car insurance than they would with good credit.
You can learn your credit score for free at LendingTree Spring before you shop for insurance.
Cheapest companies for drivers with poor credit
| Company | Annual rate |
|---|---|
| Farmers | $2,918 |
| Geico | $2,944 |
| Erie | $3,167 |
| Progressive | $4,143 |
| Allstate | $4,711 |
| State Farm | $6,345 |
| USAA* | $1,897 |
Best car insurance companies in Tennessee
While Erie doesn’t have State Farm’s financial strength, Erie does have a great customer satisfaction rating that’s 56 points higher than the average rating in J.D. Power’s 2024 U.S. Auto Insurance Study.
Tennessee car insurance company ratings
| Company | J.D. Power** | AM Best | LendingTree |
|---|---|---|---|
| Allstate | 635 | A+ | |
| Erie | 700 | A+ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
*USAA only sells insurance to members of the military and their families.
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Tennessee insurance rates by city
Nashville, Tennessee’s biggest city, pays an average of $2,050 a year for car insurance. Memphis, the second-largest city and the most expensive city for car insurance in the state, is $2,687 a year. Knoxville is the third-largest city and pays $1,866 a year.
Car insurance rates near you
| City | Annual rate | % from average |
|---|---|---|
| Adams | $1,952 | 2% |
| Adamsville | $1,977 | 4% |
| Afton | $1,725 | -9% |
| Alamo | $1,956 | 3% |
| Alcoa | $1,751 | -8% |
| Alexandria | $1,948 | 2% |
| Algood | $1,711 | -10% |
| Allardt | $1,953 | 2% |
| Allons | $1,900 | 0% |
| Allred | $1,962 | 3% |
| Alpine | $1,913 | 0% |
| Altamont | $1,921 | 1% |
| Andersonville | $1,890 | -1% |
| Antioch | $2,208 | 16% |
| Apison | $1,840 | -3% |
| Ardmore | $1,967 | 3% |
| Arlington | $2,184 | 15% |
| Arnold AFB | $1,817 | -5% |
| Arrington | $1,841 | -3% |
| Arthur | $1,831 | -4% |
| Ashland City | $1,959 | 3% |
| Athens | $1,801 | -5% |
| Atoka | $2,117 | 11% |
| Atwood | $1,950 | 2% |
| Auburntown | $1,855 | -3% |
| Bakewell | $1,869 | -2% |
| Banner Hill | $1,629 | -15% |
| Bartlett | $2,330 | 22% |
| Bath Springs | $1,983 | 4% |
| Baxter | $1,761 | -8% |
| Bean Station | $1,767 | -7% |
| Beech Bluff | $1,982 | 4% |
| Beechgrove | $1,834 | -4% |
| Beersheba Springs | $1,915 | 1% |
| Belfast | $1,879 | -1% |
| Bell Buckle | $1,836 | -4% |
| Belle Meade | $1,947 | 2% |
| Bells | $1,978 | 4% |
| Belvidere | $1,815 | -5% |
| Benton | $1,837 | -4% |
| Berry Hill | $2,057 | 8% |
| Bethel Springs | $2,011 | 6% |
| Bethpage | $1,828 | -4% |
| Big Rock | $1,953 | 2% |
| Big Sandy | $1,989 | 4% |
| Birchwood | $1,921 | 1% |
| Blaine | $1,834 | -4% |
| Bloomingdale | $1,648 | -14% |
| Bloomington Springs | $1,898 | 0% |
| Blountville | $1,656 | -13% |
| Bluff City | $1,615 | -15% |
| Bogota | $1,981 | 4% |
| Bolivar | $2,184 | 15% |
| Bon Aqua | $1,928 | 1% |
| Bon Aqua Junction | $1,977 | 4% |
| Braden | $2,227 | 17% |
| Bradford | $1,908 | 0% |
| Bradyville | $1,865 | -2% |
| Brentwood | $1,892 | -1% |
| Briceville | $1,883 | -1% |
| Brighton | $2,180 | 14% |
| Bristol | $1,576 | -17% |
| Brownsville | $1,975 | 4% |
| Bruceton | $1,963 | 3% |
| Brunswick | $2,244 | 18% |
| Brush Creek | $1,901 | 0% |
| Buchanan | $2,022 | 6% |
| Buena Vista | $2,006 | 5% |
| Buffalo Valley | $1,755 | -8% |
| Bulls Gap | $1,672 | -12% |
| Bumpus Mills | $2,008 | 5% |
| Burlison | $2,184 | 15% |
| Burns | $1,936 | 2% |
| Butler | $1,672 | -12% |
| Bybee | $1,911 | 0% |
| Byrdstown | $1,945 | 2% |
| Calhoun | $1,853 | -3% |
| Camden | $1,933 | 1% |
| Campaign | $1,877 | -2% |
| Carthage | $1,935 | 2% |
| Caryville | $1,873 | -2% |
| Castalian Springs | $1,874 | -2% |
| Cedar Grove | $1,990 | 4% |
| Cedar Hill | $1,945 | 2% |
| Celina | $2,055 | 8% |
| Centerville | $1,967 | 3% |
| Central | $1,583 | -17% |
| Chapel Hill | $1,903 | 0% |
| Chapmansboro | $2,010 | 5% |
| Charleston | $1,798 | -6% |
| Charlotte | $1,989 | 4% |
| Chattanooga | $1,913 | 0% |
| Chestnut Mound | $1,893 | -1% |
| Chewalla | $2,012 | 6% |
| Christiana | $1,920 | 1% |
| Chuckey | $1,683 | -12% |
| Church Hill | $1,695 | -11% |
| Clairfield | $1,908 | 0% |
| Clarkrange | $1,982 | 4% |
| Clarksburg | $1,997 | 5% |
| Clarksville | $1,927 | 1% |
| Cleveland | $1,799 | -6% |
| Clifton | $1,914 | 0% |
| Clinton | $1,862 | -2% |
| Coalfield | $1,908 | 0% |
| Coalmont | $1,930 | 1% |
| Coker Creek | $1,860 | -2% |
| College Grove | $1,852 | -3% |
| Collegedale | $1,834 | -4% |
| Collierville | $2,176 | 14% |
| Collinwood | $1,964 | 3% |
| Colonial Heights | $1,618 | -15% |
| Columbia | $1,899 | 0% |
| Como | $1,979 | 4% |
| Conasauga | $1,854 | -3% |
| Cookeville | $1,737 | -9% |
| Coopertown | $1,905 | 0% |
| Copperhill | $1,861 | -2% |
| Cordova | $2,310 | 21% |
| Cornersville | $1,911 | 0% |
| Corryton | $1,817 | -5% |
| Cosby | $1,936 | 2% |
| Cottage Grove | $1,964 | 3% |
| Cottontown | $1,842 | -3% |
| Counce | $1,966 | 3% |
| Covington | $2,146 | 13% |
| Cowan | $1,809 | -5% |
| Crab Orchard | $1,757 | -8% |
| Crawford | $1,888 | -1% |
| Crockett Mills | $2,031 | 7% |
| Cross Plains | $1,884 | -1% |
| Crossville | $1,751 | -8% |
| Crump | $1,977 | 4% |
| Culleoka | $1,928 | 1% |
| Cumberland City | $2,092 | 10% |
| Cumberland Furnace | $2,046 | 7% |
| Cumberland Gap | $1,810 | -5% |
| Cunningham | $1,973 | 4% |
| Cypress Inn | $1,968 | 3% |
| Dandridge | $1,824 | -4% |
| Darden | $2,010 | 6% |
| Dayton | $1,798 | -6% |
| Decatur | $1,885 | -1% |
| Decaturville | $1,969 | 3% |
| Decherd | $1,792 | -6% |
| Deer Lodge | $1,911 | 0% |
| Del Rio | $1,944 | 2% |
| Delano | $1,817 | -5% |
| Dellrose | $1,900 | 0% |
| Denmark | $1,982 | 4% |
| Dickson | $1,927 | 1% |
| Dixon Springs | $1,975 | 4% |
| Dover | $2,032 | 7% |
| Dowelltown | $1,875 | -2% |
| Doyle | $1,668 | -12% |
| Dresden | $1,927 | 1% |
| Drummonds | $2,147 | 13% |
| Duck River | $1,942 | 2% |
| Ducktown | $1,884 | -1% |
| Duff | $1,951 | 2% |
| Dukedom | $1,951 | 2% |
| Dunlap | $1,876 | -2% |
| Dyer | $1,903 | 0% |
| Dyersburg | $1,939 | 2% |
| Eads | $2,255 | 18% |
| Eagan | $1,905 | 0% |
| Eagleton Village | $1,772 | -7% |
| Eagleville | $1,946 | 2% |
| East Cleveland | $1,785 | -6% |
| East Ridge | $1,906 | 0% |
| Eastview | $1,972 | 4% |
| Eaton | $1,917 | 1% |
| Eidson | $1,704 | -11% |
| Elgin | $1,960 | 3% |
| Elizabethton | $1,599 | -16% |
| Elkton | $1,959 | 3% |
| Ellendale | $2,380 | 25% |
| Elmwood | $1,888 | -1% |
| Elora | $1,867 | -2% |
| Englewood | $1,814 | -5% |
| Enville | $1,963 | 3% |
| Erin | $2,101 | 10% |
| Erwin | $1,629 | -15% |
| Estill Springs | $1,773 | -7% |
| Ethridge | $1,928 | 1% |
| Etowah | $1,827 | -4% |
| Eva | $2,006 | 5% |
| Evensville | $1,812 | -5% |
| Fairfield Glade | $1,730 | -9% |
| Fairmount | $1,849 | -3% |
| Fairview | $1,815 | -5% |
| Fall Branch | $1,652 | -13% |
| Falling Water | $1,847 | -3% |
| Farner | $1,864 | -2% |
| Farragut | $1,837 | -4% |
| Fayetteville | $1,862 | -2% |
| Fincastle | $1,919 | 1% |
| Finger | $2,014 | 6% |
| Finley | $1,949 | 2% |
| Five Points | $1,920 | 1% |
| Flag Pond | $1,648 | -14% |
| Flat Top Mountain | $1,814 | -5% |
| Flintville | $1,921 | 1% |
| Forest Hills | $2,042 | 7% |
| Fosterville | $1,865 | -2% |
| Frankewing | $1,903 | 0% |
| Franklin | $1,841 | -3% |
| Friendship | $1,959 | 3% |
| Friendsville | $1,783 | -6% |
| Fruitvale | $1,969 | 3% |
| Gadsden | $1,933 | 1% |
| Gainesboro | $1,913 | 0% |
| Gallatin | $1,861 | -2% |
| Gallaway | $2,235 | 17% |
| Gates | $1,951 | 2% |
| Gatlinburg | $1,849 | -3% |
| Georgetown | $1,864 | -2% |
| Germantown | $2,281 | 20% |
| Gibson | $1,930 | 1% |
| Gladeville | $1,931 | 1% |
| Gleason | $1,919 | 1% |
| Goodlettsville | $2,061 | 8% |
| Goodspring | $1,967 | 3% |
| Gordonsville | $1,910 | 0% |
| Grand Junction | $2,235 | 17% |
| Grandview | $1,810 | -5% |
| Granville | $1,892 | -1% |
| Gray | $1,615 | -15% |
| Graysville | $1,844 | -3% |
| Green Hill | $2,047 | 7% |
| Greenback | $1,788 | -6% |
| Greenbrier | $1,875 | -2% |
| Greeneville | $1,699 | -11% |
| Greenfield | $1,946 | 2% |
| Grimsley | $1,964 | 3% |
| Gruetli-Laager | $1,946 | 2% |
| Guild | $1,926 | 1% |
| Guys | $1,999 | 5% |
| Halls | $1,954 | 3% |
| Hampshire | $1,935 | 2% |
| Hampton | $1,642 | -14% |
| Harriman | $1,904 | 0% |
| Harrison | $1,867 | -2% |
| Harrogate | $1,811 | -5% |
| Hartford | $1,961 | 3% |
| Hartsville | $1,929 | 1% |
| Heiskell | $1,841 | -3% |
| Helenwood | $1,928 | 1% |
| Henderson | $2,004 | 5% |
| Hendersonville | $1,887 | -1% |
| Henning | $2,032 | 7% |
| Henry | $1,949 | 2% |
| Hermitage | $2,118 | 11% |
| Hickman | $1,913 | 0% |
| Hickory Valley | $2,215 | 16% |
| Hilham | $1,932 | 1% |
| Hillsboro | $1,829 | -4% |
| Hixson | $1,860 | -2% |
| Hohenwald | $1,897 | 0% |
| Holladay | $1,974 | 4% |
| Hollow Rock | $1,993 | 5% |
| Hopewell | $1,813 | -5% |
| Hornbeak | $1,910 | 0% |
| Hornsby | $2,067 | 8% |
| Humboldt | $1,884 | -1% |
| Hunter | $1,603 | -16% |
| Huntingdon | $2,000 | 5% |
| Huntland | $1,848 | -3% |
| Huntsville | $1,948 | 2% |
| Huron | $2,064 | 8% |
| Hurricane Mills | $2,019 | 6% |
| Idlewild | $1,957 | 3% |
| Indian Mound | $2,017 | 6% |
| Iron City | $1,973 | 4% |
| Jacks Creek | $1,982 | 4% |
| Jacksboro | $1,893 | -1% |
| Jackson | $1,963 | 3% |
| Jamestown | $1,954 | 3% |
| Jasper | $1,902 | 0% |
| Jefferson City | $1,818 | -5% |
| Jellico | $1,950 | 2% |
| Joelton | $2,002 | 5% |
| Johnson City | $1,589 | -17% |
| Jonesborough | $1,600 | -16% |
| Kelso | $1,877 | -1% |
| Kenton | $1,864 | -2% |
| Kimball | $1,897 | 0% |
| Kingsport | $1,648 | -14% |
| Kingston | $1,879 | -1% |
| Kingston Springs | $1,999 | 5% |
| Knoxville | $1,866 | -2% |
| Kodak | $1,888 | -1% |
| Kyles Ford | $1,833 | -4% |
| La Follette | $1,912 | 0% |
| La Grange | $2,233 | 17% |
| La Vergne | $1,982 | 4% |
| Laconia | $2,234 | 17% |
| Lafayette | $1,918 | 1% |
| Lake City | $1,851 | -3% |
| Lake Tansi | $1,742 | -9% |
| Lakeland | $2,229 | 17% |
| Lakesite | $1,836 | -4% |
| Lakewood | $2,130 | 12% |
| Lakewood Park | $1,838 | -4% |
| Lancaster | $1,910 | 0% |
| Lancing | $1,932 | 1% |
| Lascassas | $1,906 | 0% |
| Laurel Bloomery | $1,653 | -13% |
| Lavinia | $1,960 | 3% |
| Lawrenceburg | $1,905 | 0% |
| Lebanon | $1,886 | -1% |
| Lenoir City | $1,825 | -4% |
| Lenox | $1,969 | 3% |
| Leoma | $1,908 | 0% |
| Lewisburg | $1,863 | -2% |
| Lexington | $1,993 | 5% |
| Liberty | $1,902 | 0% |
| Limestone | $1,668 | -12% |
| Linden | $1,963 | 3% |
| Livingston | $1,908 | 0% |
| Lobelville | $1,963 | 3% |
| Lone Mountain | $1,823 | -4% |
| Lone Oak | $1,875 | -2% |
| Lookout Mountain | $1,885 | -1% |
| Loretto | $1,907 | 0% |
| Loudon | $1,766 | -7% |
| Louisville | $1,790 | -6% |
| Lowland | $1,772 | -7% |
| Lupton City | $1,874 | -2% |
| Luray | $1,981 | 4% |
| Luttrell | $1,851 | -3% |
| Lutts | $1,963 | 3% |
| Lyles | $1,985 | 4% |
| Lynchburg | $1,798 | -6% |
| Lynnville | $1,966 | 3% |
| Macon | $2,242 | 18% |
| Madison | $2,187 | 15% |
| Madisonville | $1,829 | -4% |
| Manchester | $1,818 | -5% |
| Mansfield | $1,964 | 3% |
| Martin | $1,913 | 0% |
| Maryville | $1,756 | -8% |
| Mascot | $1,819 | -5% |
| Mason | $2,176 | 14% |
| Maury City | $1,971 | 3% |
| Maynardville | $1,886 | -1% |
| Mc Donald | $1,791 | -6% |
| Mc Ewen | $2,005 | 5% |
| Mc Lemoresville | $1,991 | 4% |
| McKenzie | $1,948 | 2% |
| McMinnville | $1,851 | -3% |
| Medina | $1,920 | 1% |
| Medon | $2,022 | 6% |
| Memphis | $2,687 | 41% |
| Mercer | $2,040 | 7% |
| Michie | $1,948 | 2% |
| Middle Valley | $1,858 | -3% |
| Middleton | $2,178 | 14% |
| Midtown | $1,896 | 0% |
| Midway | $1,721 | -10% |
| Milan | $1,878 | -1% |
| Milledgeville | $1,988 | 4% |
| Millersville | $2,020 | 6% |
| Milligan College | $1,638 | -14% |
| Millington | $2,253 | 18% |
| Milton | $1,941 | 2% |
| Minor Hill | $1,936 | 2% |
| Mitchellville | $1,871 | -2% |
| Mohawk | $1,699 | -11% |
| Monroe | $1,911 | 0% |
| Monteagle | $1,923 | 1% |
| Monterey | $1,786 | -6% |
| Mooresburg | $1,652 | -13% |
| Morris Chapel | $2,003 | 5% |
| Morrison | $1,871 | -2% |
| Morristown | $1,761 | -8% |
| Moscow | $2,224 | 17% |
| Mosheim | $1,737 | -9% |
| Moss | $1,980 | 4% |
| Mount Carmel | $1,674 | -12% |
| Mount Juliet | $1,965 | 3% |
| Mount Pleasant | $1,933 | 1% |
| Mountain City | $1,693 | -11% |
| Mountain Home | $1,621 | -15% |
| Mowbray Mountain | $1,826 | -4% |
| Mulberry | $1,864 | -2% |
| Munford | $2,147 | 13% |
| Murfreesboro | $1,923 | 1% |
| Nashville | $2,050 | 8% |
| New Hope | $1,894 | -1% |
| New Johnsonville | $1,950 | 2% |
| New Market | $1,825 | -4% |
| New Tazewell | $1,822 | -4% |
| Newbern | $1,928 | 1% |
| Newcomb | $1,987 | 4% |
| Newport | $1,902 | 0% |
| Niota | $1,788 | -6% |
| Nolensville | $1,890 | -1% |
| Norene | $1,924 | 1% |
| Normandy | $1,816 | -5% |
| Norris | $1,859 | -2% |
| Nunnelly | $1,948 | 2% |
| Oak Grove | $1,631 | -14% |
| Oak Hill | $1,988 | 4% |
| Oak Ridge | $1,854 | -3% |
| Oakdale | $1,926 | 1% |
| Oakfield | $1,926 | 1% |
| Oakland | $2,208 | 16% |
| Obion | $1,890 | -1% |
| Ocoee | $1,850 | -3% |
| Old Fort | $1,855 | -3% |
| Old Hickory | $2,087 | 10% |
| Olivehill | $2,026 | 6% |
| Oliver Springs | $1,898 | 0% |
| Oneida | $1,954 | 3% |
| Only | $1,989 | 4% |
| Ooltewah | $1,824 | -4% |
| Orlinda | $1,889 | -1% |
| Pall Mall | $1,934 | 2% |
| Palmer | $1,951 | 2% |
| Palmersville | $1,951 | 2% |
| Palmyra | $1,975 | 4% |
| Paris | $1,939 | 2% |
| Park City | $1,867 | -2% |
| Parrottsville | $1,944 | 2% |
| Parsons | $1,984 | 4% |
| Pegram | $2,028 | 6% |
| Pelham | $1,953 | 2% |
| Petersburg | $1,888 | -1% |
| Petros | $1,922 | 1% |
| Philadelphia | $1,838 | -4% |
| Pickwick Dam | $2,001 | 5% |
| Pigeon Forge | $1,879 | -1% |
| Pikeville | $1,866 | -2% |
| Pine Crest | $1,583 | -17% |
| Piney Flats | $1,647 | -14% |
| Pinson | $1,972 | 3% |
| Pioneer | $1,927 | 1% |
| Piperton | $2,102 | 10% |
| Plainview | $1,862 | -2% |
| Pleasant Hill | $1,796 | -6% |
| Pleasant Shade | $1,939 | 2% |
| Pleasant View | $1,981 | 4% |
| Pocahontas | $2,056 | 8% |
| Portland | $1,823 | -4% |
| Powder Springs | $1,845 | -3% |
| Powell | $1,823 | -4% |
| Powells Crossroads | $1,933 | 1% |
| Primm Springs | $1,903 | 0% |
| Prospect | $1,962 | 3% |
| Pruden | $1,910 | 0% |
| Pulaski | $1,958 | 3% |
| Puryear | $1,980 | 4% |
| Quebeck | $1,706 | -10% |
| Ramer | $2,008 | 5% |
| Readyville | $1,932 | 1% |
| Reagan | $2,009 | 5% |
| Red Bank | $1,852 | -3% |
| Red Boiling Springs | $1,933 | 1% |
| Reliance | $1,842 | -3% |
| Riceville | $1,798 | -6% |
| Rickman | $1,893 | -1% |
| Riddleton | $1,952 | 2% |
| Ridgely | $1,940 | 2% |
| Ridgeside | $2,006 | 5% |
| Ridgetop | $1,878 | -1% |
| Ripley | $2,005 | 5% |
| Rives | $1,911 | 0% |
| Roan Mountain | $1,675 | -12% |
| Robbins | $1,944 | 2% |
| Rock Island | $1,818 | -5% |
| Rockford | $1,814 | -5% |
| Rockvale | $1,946 | 2% |
| Rockwood | $1,842 | -3% |
| Rocky Top | $1,849 | -3% |
| Rogersville | $1,704 | -11% |
| Rossville | $2,151 | 13% |
| Rugby | $1,944 | 2% |
| Rural Hill | $1,963 | 3% |
| Russellville | $1,735 | -9% |
| Rutherford | $1,913 | 0% |
| Rutledge | $1,822 | -4% |
| Sale Creek | $1,817 | -5% |
| Saltillo | $2,002 | 5% |
| Samburg | $1,948 | 2% |
| Santa Fe | $1,903 | 0% |
| Sardis | $1,996 | 5% |
| Saulsbury | $2,272 | 19% |
| Savannah | $1,960 | 3% |
| Scotts Hill | $1,986 | 4% |
| Selmer | $1,967 | 3% |
| Sequatchie | $1,943 | 2% |
| Sevierville | $1,861 | -2% |
| Sewanee | $1,808 | -5% |
| Seymour | $1,784 | -6% |
| Shady Valley | $1,650 | -13% |
| Sharon | $1,923 | 1% |
| Sharps Chapel | $1,851 | -3% |
| Shawanee | $1,842 | -3% |
| Shelbyville | $1,775 | -7% |
| Sherwood | $1,804 | -5% |
| Shiloh | $1,991 | 4% |
| Signal Mountain | $1,848 | -3% |
| Silerton | $2,014 | 6% |
| Silver Point | $1,766 | -7% |
| Slayden | $1,997 | 5% |
| Smartt | $1,856 | -3% |
| Smithville | $1,851 | -3% |
| Smyrna | $1,906 | 0% |
| Sneedville | $1,801 | -6% |
| Soddy-Daisy | $1,845 | -3% |
| Somerville | $2,233 | 17% |
| South Cleveland | $1,780 | -7% |
| South Fulton | $1,862 | -2% |
| South Pittsburg | $1,892 | -1% |
| Southside | $1,970 | 3% |
| Sparta | $1,705 | -11% |
| Speedwell | $1,869 | -2% |
| Spencer | $1,854 | -3% |
| Spring City | $1,808 | -5% |
| Spring Creek | $1,930 | 1% |
| Spring Hill | $1,798 | -6% |
| Springfield | $1,889 | -1% |
| Springville | $1,987 | 4% |
| Spurgeon | $1,611 | -15% |
| St. Joseph | $1,911 | 0% |
| Stanton | $2,047 | 7% |
| Stantonville | $1,994 | 5% |
| Stewart | $2,050 | 8% |
| Strawberry Plains | $1,873 | -2% |
| Sugar Tree | $1,968 | 3% |
| Summertown | $1,907 | 0% |
| Summitville | $1,811 | -5% |
| Sunbright | $1,922 | 1% |
| Surgoinsville | $1,683 | -12% |
| Sweetwater | $1,806 | -5% |
| Taft | $1,919 | 1% |
| Talbott | $1,769 | -7% |
| Tallassee | $1,755 | -8% |
| Tazewell | $1,818 | -5% |
| Telford | $1,611 | -15% |
| Tellico Plains | $1,816 | -5% |
| Tellico Village | $1,768 | -7% |
| Ten Mile | $1,907 | 0% |
| Tennessee Ridge | $2,093 | 10% |
| Thompson's Station | $1,814 | -5% |
| Thompsons Station | $1,819 | -5% |
| Thorn Hill | $1,808 | -5% |
| Tigrett | $1,970 | 3% |
| Tipton | $2,170 | 14% |
| Tiptonville | $1,923 | 1% |
| Toone | $2,095 | 10% |
| Townsend | $1,749 | -8% |
| Tracy City | $1,940 | 2% |
| Trade | $1,703 | -11% |
| Trenton | $1,879 | -1% |
| Trezevant | $1,961 | 3% |
| Trimble | $1,925 | 1% |
| Troy | $1,891 | -1% |
| Tullahoma | $1,790 | -6% |
| Turtletown | $1,874 | -2% |
| Tusculum | $1,679 | -12% |
| Unicoi | $1,618 | -15% |
| Union City | $1,857 | -3% |
| Unionville | $1,875 | -2% |
| Vanleer | $2,086 | 9% |
| Viola | $1,906 | 0% |
| Vonore | $1,760 | -8% |
| Walden | $1,852 | -3% |
| Walland | $1,773 | -7% |
| Walling | $1,724 | -10% |
| Walnut Hill | $1,590 | -17% |
| Wartburg | $1,920 | 1% |
| Wartrace | $1,835 | -4% |
| Washburn | $1,817 | -5% |
| Watauga | $1,605 | -16% |
| Watertown | $1,929 | 1% |
| Waverly | $2,002 | 5% |
| Waynesboro | $1,907 | 0% |
| Westmoreland | $1,851 | -3% |
| Westpoint | $1,924 | 1% |
| Westport | $2,047 | 7% |
| White Bluff | $1,988 | 4% |
| White House | $1,886 | -1% |
| White Pine | $1,815 | -5% |
| Whites Creek | $2,093 | 10% |
| Whitesburg | $1,777 | -7% |
| Whiteside | $1,942 | 2% |
| Whiteville | $2,169 | 14% |
| Whitleyville | $1,945 | 2% |
| Whitwell | $1,927 | 1% |
| Wilder | $1,955 | 3% |
| Wildersville | $2,021 | 6% |
| Wildwood | $1,754 | -8% |
| Wildwood Lake | $1,778 | -7% |
| Williamsport | $1,932 | 1% |
| Williston | $2,229 | 17% |
| Winchester | $1,797 | -6% |
| Winfield | $1,959 | 3% |
| Woodbury | $1,870 | -2% |
| Woodland Mills | $1,861 | -2% |
| Woodlawn | $1,907 | 0% |
| Wynnburg | $1,954 | 3% |
| Yorkville | $1,956 | 3% |
| Yuma | $2,026 | 6% |
Minimum coverage for car insurance in Tennessee
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $25,000 of property damage coverage
These limits may seem high, but if you cause an accident that results in a long court case or hospital stay, you could go over them quickly. You have to pay any claim-related costs that go over your policy limits out of your own pocket. Raising your liability limits can help you avoid that setback.
Car insurance laws in Tennessee
If you drive without auto insurance in Tennessee, penalties for a first offense include a $25 fine if you don’t provide proof within 30 days of receiving your first notice.
If you do not provide proof, other penalties include:
- $100 fine
- Suspension of vehicle registration
Frequently asked questions
The average cost of full-coverage car insurance in Tennessee is $1,887 a year, or $157 a month. Liability-only car insurance costs $649 a year, or $54 a month.
Tennessee is an at-fault state. This means that the driver responsible for causing an accident is also responsible for medical and repair expenses arising from it.