Who Has the Cheapest Car Insurance Quotes in Tennessee? (2021)

Who Has the Cheapest Car Insurance Quotes in Tennessee? (2021)

We compared rates for different driver profiles and found that State Farm consistently offered the best rates in Tennessee. A minimum coverage policy from State Farm costs $361 annually, or $30 monthly, on average.

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Cheapest Car Insurance in Tennessee for Minimum Liability
State Farm$361 per yearEditor's rating
Cheapest for Full Coverage
State Farm$1,294 per yearEditor's rating
Cheapest after an Accident
State Farm$1,529 per yearEditor's rating
Best for Customer Service
USAA$356 per yearEditor's rating

*USAA is only available to current and former military members and their families.

We recommend comparing rates from at least three companies to make sure you're getting the best deal. Enter your ZIP code into the box above to get quotes from the top providers near you, or keep reading to learn which companies offer the lowest premiums in your state.

Cheapest auto insurance in Tennessee: State Farm

Our rate analysis showed that State Farm offers the most affordable rates for minimum liability coverage in Tennessee.

Average minimum coverage premiums from State Farm in Tennessee are $361 annually and $30 monthly. This is 29% cheaper than the state average.

The average cost of car insurance in Tennessee is $509 per year, or $42 per month, for a minimum liability policy.

Chart of the cheapest car insurance companies in Tennessee.

Find Cheap Auto Insurance Quotes in Tennessee

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However, Tennesseans who have served in the armed forces or belong to a military family can get insurance that's even cheaper from USAA. Our analysis found that minimum coverage policies from USAA cost $356 annually, making them 30% cheaper than the state average.

Insurer
Annual Cost
State Farm logo
State Farm$361
Geico logo
Erie$363
Geico logo
Geico$445
Geico logo
Tennessee Farmers Mutual$450
Progressive logo
Progressive$473
Show All Rows

*USAA is only available to current and former military members and their families.

Minimum liability policies provide the lowest amount of insurance coverage you can legally carry in the state, which makes it the cheapest form of insurance. Cheap premiums might make minimum coverage auto insurance seem like the best option, but if you're in an expensive accident, you could be left with a significant financial burden.

Your insurance company will only cover you up to the limits of your policy, so if you are at-fault in an accident where damages exceed those limits, you will be responsible for the remainder.

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This is 29% cheaper than the state average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nThe average cost of car insurance in Tennessee is $509 per year, or $42 per month, for a minimum liability policy.\n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeImageResponsive--root\"\u003E\n \u003Cfigure class=\"ShortcodeImage--root\"\u003E\n \u003Cpicture class=\"ShortcodeImage--picture\"\u003E\n \u003Csource\n media=\"(max-width: 607.5px)\"\n data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_1600\/v1\/TN2021Mobile_ndyoeu 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_1600\/v1\/TN2021Mobile_ndyoeu 2x\"\n\/\u003E\n \u003Cimg alt=\"Chart of the cheapest car insurance companies in Tennessee.\" class=\"lazyload\" 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No hidden costs.\",\"vendor\":\"vp\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EHowever, Tennesseans who have served in the armed forces or belong to a military family can get insurance that's even cheaper from \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"USAA\" href=\"https:\/\/www.valuepenguin.com\/usaa-insurance-review\"\u003E\u003Cstrong\u003EUSAA\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E. Our analysis found that minimum coverage policies from USAA cost $356 annually, making them 30% cheaper than the state average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeCtaBanner--root ShortcodeCtaBanner--padding\"\u003E\n \n \u003Cdiv class=\"ShortcodeCtaBanner--alternate-container ShortcodeCtaBanner--alternate-container-flex-column\"\u003E\n\n \u003Cdiv class=\"ShortcodeCtaBanner--content\"\u003E\n \u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"25%\" 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href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003E\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"State Farm logo\" class=\"ShortcodeImage--image lazyload\" style=\"width: 100px;\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/statefarm-2\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\/v1\/referral_logos\/us\/insurance\/statefarm-2\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/statefarm-2 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/statefarm-2 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"40%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003EState Farm\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$361\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Erie Insurance\" href=\"https:\/\/www.valuepenguin.com\/erie-insurance-review\"\u003E\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"Geico logo\" class=\"ShortcodeImage--image lazyload\" style=\"width: 100px;\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/erie-1\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\/v1\/referral_logos\/us\/insurance\/erie-1\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/erie-1 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/erie-1 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"40%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Erie Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/erie-insurance-review\"\u003EErie\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$363\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Geico review\" href=\"https:\/\/www.valuepenguin.com\/geico-insurance-review\"\u003E\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"Geico logo\" class=\"ShortcodeImage--image lazyload\" style=\"width: 100px;\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/geico-5\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\/v1\/referral_logos\/us\/insurance\/geico-5\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/geico-5 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/geico-5 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"40%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Geico Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/geico-insurance-review\"\u003EGeico\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$445\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"Geico logo\" class=\"ShortcodeImage--image lazyload\" style=\"width: 100px;\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/farmers-mutual-tn\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\/v1\/referral_logos\/us\/insurance\/farmers-mutual-tn\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/farmers-mutual-tn 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/farmers-mutual-tn 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"40%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ETennessee Farmers Mutual\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$450\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"25%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Progressive review\" href=\"https:\/\/www.valuepenguin.com\/progressive-insurance-review\"\u003E\u003Cdiv class=\"ShortcodeImageBare--root \" \u003E\n \u003Cdiv class=\"ShortcodeImageBare--image-container \"\u003E\n \u003Cimg alt=\"Progressive logo\" class=\"ShortcodeImage--image lazyload\" style=\"width: 100px;\" data-src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/progressive-2\" src=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\/v1\/referral_logos\/us\/insurance\/progressive-2\" data-srcset=\"http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/progressive-2 1x, http:\/\/res.cloudinary.com\/value-penguin\/image\/upload\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\/v1\/referral_logos\/us\/insurance\/progressive-2 2x\"\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"40%\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Progressive Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/progressive-insurance-review\"\u003EProgressive\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"35%\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$473\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv role=\"button\" class=\"StyledExpander-sc-1gnrutu ckEygv\"\u003EShow All Rows\u003C\/div\u003E\u003Cp class=\"SortableTable--footnote\"\u003E*USAA is only available to current and former military members and their families.\u003C\/p\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[\"25%\",\"40%\",\"35%\"],\"data\":[[\"Insurer\",\"\",\"Annual Cost\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"State Farm review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/state-farm-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"State Farm logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/statefarm-2\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/statefarm-2\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/statefarm-2 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/statefarm-2 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"State Farm Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/state-farm-insurance-review\\\"\\u003EState Farm\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cstrong\\u003E$361\\u003C\\\/strong\\u003E\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Erie Insurance\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/erie-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"Geico logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/erie-1\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/erie-1\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/erie-1 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/erie-1 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Erie Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/erie-insurance-review\\\"\\u003EErie\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$363\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Geico review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/geico-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"Geico logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/geico-5\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/geico-5\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/geico-5 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/geico-5 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Geico Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/geico-insurance-review\\\"\\u003EGeico\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$445\"],[\"\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"Geico logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/farmers-mutual-tn\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/farmers-mutual-tn\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/farmers-mutual-tn 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/farmers-mutual-tn 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\",\"Tennessee Farmers Mutual\",\"$450\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Progressive review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/progressive-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"Progressive logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/progressive-2\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/progressive-2\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/progressive-2 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/progressive-2 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Progressive Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/progressive-insurance-review\\\"\\u003EProgressive\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$473\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Allstate review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/allstate-auto-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"Allstate logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/allstate-3\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/allstate-3\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/allstate-3 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/allstate-3 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Allstate Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/allstate-auto-insurance-review\\\"\\u003EAllstate\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$673\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Nationwide review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/nationwide-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"Nationwide logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/nationwide-4\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/nationwide-4\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/nationwide-4 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/nationwide-4 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Nationwide Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/nationwide-insurance-review\\\"\\u003ENationwide\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$947\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"USAA review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/usaa-insurance-review\\\"\\u003E\\u003Cdiv class=\\\"ShortcodeImageBare--root \\\" \\u003E\\n \\u003Cdiv class=\\\"ShortcodeImageBare--image-container \\\"\\u003E\\n \\u003Cimg alt=\\\"USAA logo\\\" class=\\\"ShortcodeImage--image lazyload\\\" style=\\\"width: 100px;\\\" data-src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/usaa-3\\\" src=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,e_blur:1000,f_auto,h_1600,q_1,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/usaa-3\\\" data-srcset=\\\"http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_1.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/usaa-3 1x, http:\\\/\\\/res.cloudinary.com\\\/value-penguin\\\/image\\\/upload\\\/c_limit,dpr_2.0,f_auto,h_1600,q_auto,w_100\\\/v1\\\/referral_logos\\\/us\\\/insurance\\\/usaa-3 2x\\\"\\u003E\\n \\u003C\\\/div\\u003E\\n\\u003C\\\/div\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"USAA Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/usaa-insurance-review\\\"\\u003EUSAA\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$356\"]],\"footnote\":\"*USAA is only available to current and former military members and their families.\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\",\"maxDefaultRows\":5}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\n \u003C\/div\u003E\n\n\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EMinimum liability policies provide the lowest amount of insurance coverage you can legally carry in the state, which makes it the cheapest form of insurance. Cheap premiums might make \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Liability only car insurance\" href=\"https:\/\/www.valuepenguin.com\/cheap-liability-only-car-insurance\"\u003Eminimum coverage auto insurance\u003C\/a\u003E\u003C\/span\u003E seem like the best option, but if you're in an expensive accident, you could be left with a significant financial burden.\u003C\/p\u003E\n\n\u003Cp\u003EYour insurance company will only cover you up to the limits of your policy, so if you are at-fault in an accident where damages exceed those limits, you will be responsible for the remainder.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Cheapest company for full coverage: State Farm

Tennessee drivers could find affordable full coverage insurance from State Farm. At $1,294 annually, or $108 monthly, State Farm's rates are 31% cheaper than average.

Full coverage auto insurance costs $1,875 annually, or $156 monthly, on average, in Tennessee.

Insurer
Annual cost
Monthly cost
State Farm$1,294$108
Geico$1,550$129
Tennessee Farmers Mutual$1,726$144
Tennessee average$1,875$156

Full coverage insurance guarantees that your own car is protected in case of an accident. Liability coverage pays for damages to the other driver's car, but collision and comprehensive coverage — the additional parts of a full coverage policy — ensure that your own car is protected in both on- and off-road incidents.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeCtaBanner--root ShortcodeCtaBanner--butter ShortcodeCtaBanner--padding\"\u003E\n \n \u003Cdiv class=\"ShortcodeCtaBanner--alternate-container ShortcodeCtaBanner--alternate-container-flex-column\"\u003E\n\n \u003Cdiv class=\"ShortcodeCtaBanner--content\"\u003E\n Tennessee drivers could find affordable full coverage insurance from \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E. At $1,294 annually, or $108 monthly, State Farm's rates are 31% cheaper than average.\n \u003C\/div\u003E\n\n\n \u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EFull coverage auto insurance costs $1,875 annually, or $156 monthly, on average, in Tennessee.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAnnual cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EMonthly cost\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"State Farm Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/state-farm-insurance-review\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$1,294\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E\u003Cstrong\u003E$108\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Geico Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/geico-insurance-review\"\u003EGeico\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,550\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$129\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E\u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"TN Farmers Insurance Review\" href=\"https:\/\/www.valuepenguin.com\/farm-bureau-insurance-review\"\u003ETennessee Farmers Mutual\u003C\/a\u003E\u003C\/span\u003E\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,726\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$144\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ETennessee average\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$1,875\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$156\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"Annual cost\",\"Monthly cost\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"State Farm Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/state-farm-insurance-review\\\"\\u003E\\u003Cstrong\\u003EState Farm\\u003C\\\/strong\\u003E\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"\\u003Cstrong\\u003E$1,294\\u003C\\\/strong\\u003E\",\"\\u003Cstrong\\u003E$108\\u003C\\\/strong\\u003E\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"Geico Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/geico-insurance-review\\\"\\u003EGeico\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$1,550\",\"$129\"],[\"\\u003Cspan\\u003E\\u003Ca class=\\\"ShortcodeLink--root ShortcodeLink--black\\\" title=\\\"TN Farmers Insurance Review\\\" href=\\\"https:\\\/\\\/www.valuepenguin.com\\\/farm-bureau-insurance-review\\\"\\u003ETennessee Farmers Mutual\\u003C\\\/a\\u003E\\u003C\\\/span\\u003E\",\"$1,726\",\"$144\"],[\"Tennessee average\",\"$1,875\",\"$156\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cstrong\u003EFull coverage\u003C\/strong\u003E insurance guarantees that your own car is protected in case of an accident. Liability coverage pays for damages to the other driver's car, but collision and comprehensive coverage \u2014 the additional parts of a \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Full coverage car insurance\" href=\"https:\/\/www.valuepenguin.com\/best-cheap-full-coverage-auto-insurance\"\u003Efull coverage policy\u003C\/a\u003E\u003C\/span\u003E \u2014 ensure that your own car is protected in both on- and off-road incidents.\u003C\/p\u003E\n\n\u003Cp\u003E","padding":"double"}

Cheap car insurance for drivers with prior incidents

State Farm typically has the cheapest auto insurance for Tennessee drivers without a perfect driving record.

Insurers base car insurance rates on the risk you pose, and incidents such as an at-fault accident, a speeding ticket or a driving-under-the-influence (DUI) citation make them see you as a higher risk.

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Find Cheap Auto Insurance Quotes in Tennessee

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Cheapest for drivers with an accident: State Farm

We recommend State Farm to Tennessee drivers with an at-fault accident on their record.

While the average rate for drivers with an at-fault accident is $2,601 annually, or $217 monthly, State Farm policyholders pay 41% less — just $1,529 annually, or $127 monthly.

Insurer
Annual cost
Monthly cost
State Farm$1,529$127
Tennessee Farmers Mutual$1,726$144
Geico$2,448$204
Tennessee average$2,601$217

Our analysis found that average rates increase by 39% after an at-fault accident. However, shoppers should be aware that insurance companies take different approaches to an at-fault accident.

Tenneessee Farmers Mutual, for instance, might not raise rates at all: our sample driver was quoted the same annual rate of $1,726 both before and after an at-fault accident. Geico, by contrast, raised rates by 58% after an at-fault accident, from $1,550 a year to $2,923.

These huge differences underscore the importance of shopping around to get your best rates, particularly after your driving record has changed. You could snag a better deal with a different insurer.

Cheapest car insurance for people with a speeding ticket: State Farm

The best rates came from State Farm: annual premiums for a driver with a speeding ticket on his record were $1,412, which is more than $700 cheaper than the state average of $2,122.

Tennessee drivers pay 13% more in annual auto insurance premiums after a speeding ticket, according to our analysis.

Insurer
Annual cost
Monthly cost
State Farm$1,412$118
Geico$1,550$129
Tennessee Farmers Mutual$1,726$144
Tennessee average$2,122$177


Cheapest car insurance for drivers with a DUI: State Farm

State Farm offers the best rates to drivers who have a DUI. State Farm's rates were 53% cheaper than the Tennessee state average of $3,027 for drivers with a DUI.

Unlike the other insurers in our study, State Farm treats DUIs like speeding tickets, charging our sample driver the same rate for both offenses.

Driving under the influence in Tennessee can raise your rates more than any other offense. Our analysis found that average rates go up by 61% after a DUI, compared to 13% after a speeding ticket and 39% after an at-fault accident.

Insurer
Annual cost
Monthly cost
State Farm$1,412$118
Progressive$2,241$187
Tennessee Farmers Mutual$2,753$229
Tennessee average$3,027$252


Cheapest car insurance for drivers with poor credit: State Farm

State Farm offers the best rates for drivers with poor credit. In fact, the rates State Farm charged our sample profile were the same no matter the driver's credit.

For drivers with poor credit, we found that the average cost of car insurance can be nearly 30% more expensive than average. Tennessee auto insurers may use your credit score as a means of assessing your risk profile, charging drivers with poor credit scores higher rates than drivers with average credit scores.

Insurer
Annual cost
Monthly cost
State Farm$1,294$108
Geico$1,550$129
Tennessee Farmers Mutual$1,726$144
Tennessee average$1,875$156

Best auto insurance companies in Tennessee

We surveyed current policyholders across several major auto insurers, asking about satisfaction with customer service and claims, and found that USAA is the best insurer in Tennessee.

Those not eligible for USAA membership should consider Nationwide and State Farm as some of the best auto insurance companies. Policyholders awarded these companies high marks for customer service and claims as well.

Overall rank*
Group
Claim satisfaction rating
Customer service rating
1USAA78%62%
2Nationwide7853%
3State Farm73%46%
4Allstate72%47%
5Erie67%50%
6Progressive74%34%
7Geico64%42%
N/ATennessee Farmers MutualN/AN/A

*The overall rank takes both claim satisfaction and customer service ratings into account. We explain these ratings in the Methodology section.

If excellent customer service is your top priority, you'll want to consider Tennessee Farmers Mutual. A small insurer serving only the state of Tennessee, Tennessee Farmers Mutual had a Complaint Index of 0.12 from the National Association of Insurance Commissioners. That means the insurer received just 12% as many complaints as would be expected for a company of its size.

Insurer
NAIC Complaint Index (lower is better)
J.D. Power claims satisfaction score (higher is better)
AM Best Financial Strength Rating
State Farm0.66881A++
Tennessee Farmers Mutual0.12N/AA+
Progressive0.40856A+
Allstate0.71876A+
Erie1.10880A+
USAA0.68890A++
Geico1.01871A++
Nationwide0.37876A+

AM Best gave all these Tennessee insurance companies a Financial Strength Rating of A+, indicating a "Superior" ability to pay out claims.

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frAYUA\"\u003E78%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E62%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E78\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E53%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E73%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E46%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E72%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E47%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EErie\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E67%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E50%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E6\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E74%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E34%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003E7\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E64%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E42%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ETennessee Farmers Mutual\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EN\/A\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"left\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Overall rank*\",\"Group\",\"Claim satisfaction rating\",\"Customer service rating\"],[\"1\",\"USAA\",\"78%\",\"62%\"],[\"2\",\"Nationwide\",\"78\",\"53%\"],[\"3\",\"State Farm\",\"73%\",\"46%\"],[\"4\",\"Allstate\",\"72%\",\"47%\"],[\"5\",\"Erie\",\"67%\",\"50%\"],[\"6\",\"Progressive\",\"74%\",\"34%\"],[\"7\",\"Geico\",\"64%\",\"42%\"],[\"N\\\/A\",\"Tennessee Farmers Mutual\",\"N\\\/A\",\"N\\\/A\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeDisclaimer--root ShortcodeDisclaimer--root \"\u003E\n \u003Cdiv class=\"ContextualDisclaimer--root\"\u003E\n \u003Cp class=\"ContextualDisclaimer--copy\"\u003E\n \u003Cp\u003E*The overall rank takes both claim satisfaction and customer service ratings into account. We explain these ratings in the \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Methodology\" href=\"#methodology\"\u003EMethodology\u003C\/a\u003E\u003C\/span\u003E section.\u003C\/p\u003E\n\n \n \u003C\/p\u003E\n\u003C\/div\u003E\n\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EIf excellent customer service is your top priority, you'll want to consider Tennessee Farmers Mutual. A small insurer serving only the state of Tennessee, Tennessee Farmers Mutual had a Complaint Index of 0.12 from the National Association of Insurance Commissioners. That means the insurer received just 12% as many complaints as would be expected for a company of its size.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ENAIC Complaint Index (lower is better)\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EJ.D. Power claims satisfaction score (higher is better)\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EAM Best Financial Strength Rating\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.66\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E881\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ETennessee Farmers Mutual\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.12\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EN\/A\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.40\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E856\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.71\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E876\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EErie\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.10\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E880\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.68\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E890\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.01\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E871\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.37\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E876\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" data-component-name=\"SortableTable\"\u003E{\"alignsHorizontal\":[\"left\",\"right\",\"right\",\"right\",\"right\"],\"alignsVertical\":[],\"columnWidths\":[],\"data\":[[\"Insurer\",\"NAIC Complaint Index (lower is better)\",\"J.D. Power claims satisfaction score (higher is better)\",\"AM Best Financial Strength Rating\"],[\"State Farm\",\"0.66\",\"881\",\"A++\"],[\"Tennessee Farmers Mutual\",\"0.12\",\"N\\\/A\",\"A+\"],[\"Progressive\",\"0.40\",\"856\",\"A+\"],[\"Allstate\",\"0.71\",\"876\",\"A+\"],[\"Erie\",\"1.10\",\"880\",\"A+\"],[\"USAA\",\"0.68\",\"890\",\"A++\"],[\"Geico\",\"1.01\",\"871\",\"A++\"],[\"Nationwide\",\"0.37\",\"876\",\"A+\"]],\"footnote\":\"\",\"hideHeaderRow\":false,\"hasMarginBottom\":true,\"isExpandable\":true,\"isSortable\":false,\"maxWidth\":\"1215\",\"minWidth\":\"100%\",\"showSearch\":false,\"sortColumnIndex\":0,\"sortDirection\":\"asc\"}\u003C\/script\u003E\n\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EAM Best gave all these Tennessee insurance companies a Financial Strength Rating of A+, indicating a \"Superior\" ability to pay out claims. \n","padding":"double"}

Average car insurance cost in Tennessee by city

Tennessee insurers factor your location into your rates, as well as your credit score and driving history. Memphis had the highest average car insurance rates, with residents paying $2,395 annually, while Bristol had the lowest, with residents paying $1,577 a year. As a general rule, insurance costs more in large, densely populated urban areas where auto theft and accidents tend to happen more often.

City
Average annual cost
Percent from average
Bristol$1,577-15.9%
Walnut Hill$1,586-15.4%
Bluff City$1,595-15.0%
Piney Flats$1,597-14.9%
Colonial Heights$1,597-14.8%
Show All Rows

Tennessee rate changes by company

In Tennessee, auto insurance providers decreased their premiums by 2.5% in 2020, continuing the trend of lower premium rates observed in the past year. State Farm shows the most significant decrease in premiums, with rates down by 9.6% compared to 2019. Several other insurance providers in Tennessee opted to decrease their premiums, as well, such as Progressive and Erie, who decreased their rates by 2.3% and 3.9%, respectively.

Insurer
Premiums written (millions) 2019
Rate change 2019
Rate change 2020
State Farm$908.0-7.5%-9.6%
Tennessee Farmers$729.30.9%0.0%
Geico$448.2-0.7%2.9%
Progressive$442.8-0.6%-2.3%
Allstate$282.20.3%-0.2%
USAA$250.54.3%0.0%
Liberty Mutual$211.41.6%0.2%
Erie$135.14.9%-3.9%
Nationwide$126.00.2%2.0%
National General$96.10.3%2.6%
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Several other insurance providers in Tennessee opted to decrease their premiums, as well, such as Progressive and Erie, who decreased their rates by 2.3% and 3.9%, respectively.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-SortableTable\" data-component-name=\"SortableTable\"\u003E\n \u003Cdiv class=\"StyledRootWrapper-sc-3qeib4 jYHfZo\"\u003E\u003Cdiv class=\"StyledTableWrapper-sc-5nmmx9 fesmOM\"\u003E\u003Cdiv class=\"StyledTableOverflowWrapper-sc-hixhp9 gVbnK\"\u003E\u003Ctable class=\"StyledTable-sc-ujzn9t jVpJxq\"\u003E\u003Cthead class=\"StyledHeaderRow-sc-1m1b8dn hCELBb\"\u003E\u003Ctr\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r gPTwhA\"\u003E\u003Cspan\u003EInsurer\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003EPremiums written (millions) 2019\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ERate change 2019\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003Cth colSpan=\"1\" width=\"\" class=\"StyledHeaderCell-sc-nsptsd frWuiR\"\u003E\u003Cdiv class=\"StyledColumnHeaderWrapper-sc-12xyb2r glLrYA\"\u003E\u003Cspan\u003ERate change 2020\u003C\/span\u003E\u003C\/div\u003E\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"StyledBody-sc-14y8oc0 dcdMVT\"\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EState Farm\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$908.0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-7.5%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-9.6%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ETennessee Farmers\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$729.3\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.9%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EGeico\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$448.2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-0.7%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E2.9%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EProgressive\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$442.8\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-0.6%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-2.3%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EAllstate\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$282.2\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.3%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-0.2%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EUSAA\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$250.5\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4.3%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.0%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ELiberty Mutual\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$211.4\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E1.6%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.2%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003EErie\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$135.1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E4.9%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E-3.9%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENationwide\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$126.0\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.2%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E2.0%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee XfhRD\"\u003ENational General\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E$96.1\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E0.3%\u003C\/td\u003E\u003Ctd colSpan=\"1\" rowspan=\"1\" width=\"\" class=\"StyledBodyCell-sc-5cu9ee frAYUA\"\u003E2.6%\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n \u003Cscript type=\"application\/json\" class=\"js-react-component\" 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Minimum requirements for auto insurance coverage in Tennessee

A minimum liability policy in Tennessee includes the following state-mandated coverages:

Liability
Minimum coverage
Bodily injury (BI)$25,000 per person and $50,000 per accident
Property damage (PD)$15,000 per accident

Bodily injury liability coverage pays for any injuries the other driver sustains in an accident where you are at-fault, while property damage liability coverage pays for repairs to their car and/or other property. Because minimum coverage doesn't help repair your own car, ValuePenguin recommends purchasing full coverage, if possible.

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Recap of the cheapest auto insurance in Tennessee

  • Minimum coverage: State Farm
  • Full coverage: State Farm
  • After an at-fault accident: State Farm
  • After a speeding ticket: State Farm
  • After a DUI: State Farm
  • Poor credit history: State Farm
  • Very good credit history: State Farm
  • Married couples: State Farm
  • Young drivers: State Farm
  • Young drivers with one accident: State Farm
  • Young drivers with one speeding ticket: State Farm

Frequently asked questions

What is the cheapest car insurance company in Tennessee?

State Farm is the cheapest insurance company for most drivers in Tennessee, starting at $361 per year for a state minimum policy.

How much does insurance cost in Tennessee?

The average price of insurance for a state minimum policy is $509 per year, or $42 per month.

How much car insurance do I need in Tennessee?

You need bodily injury coverage of at least $25,000 per person and $50,000 per accident, plus at least $15,000 of property damage liability coverage.

Methodology

We collected thousands of rates from ZIP codes across Tennessee for the largest 10 insurers. We used a sample driver with the following profile:

  • 30-year-old man
  • Drives a 2015 Honda Civic EX
  • Average credit

The base policy for the study was a full-coverage policy with the following limits:

Coverage type
Study limits
Bodily liability$50,000 per person/$100,000 per accident
Personal injury protection$10,000
Property damage$25,000 per accident
Uninsured/underinsured motorist bodily injury$50,000 per person/$100,000 per accident
Comprehensive and collision$500 deductible

For our minimum-coverage policy, we quoted a policy with the minimum required limits in Tennessee, above.

For other rates analyses (age, credit score, accident history and marriage status) the base policy listed above was alternated to reflect the new driver.

ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes may be different.

ValuePenguin commissioned a survey and asked current policyholders across major car insurance companies about their satisfaction with claims and the customer service of their insurer. In our table, the Claim Satisfaction Rating represents the percentage of respondents who were extremely satisfied with their most recent claim experience. The Customer Service Rating represents the percentage of respondents who rated the customer service of their insurance company as "excellent."