We analyzed quotes from the largest insurers in Tennessee to determine which insurance companies have the cheapest car insurance rates. Our research also evaluated customer feedback to determine the best auto insurance companies in the state.
The cost of car insurance in Tennessee varies widely from city to city, and even between different insurers in the same region. For example, the priciest insurer was $2,328 more expensive than the cheapest insurer in Memphis. That’s why it’s always important for consumers to compare multiple quotes when shopping for car insurance coverage. Read more about our study below, or enter your zip code above to compare auto insurance rates among top U.S. insurers near you.
- Cheapest Car Insurance in Tennessee
- Best Auto Insurance Companies in TN
- Minimum Car Insurance Requirements
- Cheapest Car Insurance in TN: by City
- Average Cost of Car Insurance in TN: by City
Cheap Car Insurance in Tennessee
To find the companies with the lowest auto insurance rates, we reviewed and ranked the average annual quotes for a single 30 year-old man driving a Toyota Camry across 44 cities in Tennessee. Here are the five companies who had the cheapest quotes, with a comparison of their average annual premiums to the statewide mean.
Find the Cheapest Auto Insurance Quotes in Your Area
The cheapest car insurance companies in Tennessee were: Utica National, The Cincinnati, GEICO, Nationwide, and Westfield. Overall, the five cheapest companies had an average premium of $883 a year, which is 26% cheaper than the Tennessee average. Just keep in mind that each driver’s rates will differ depending on their driving record, liability protection amounts, and where they live, etc. - exactly why consumers should compare quotes from local insurers to get the lowest rates.
The table below has the top 10 Tennessee insurance companies in terms of price. The companies are ranked in the order of lowest insurance costs per year to highest. Or, enter your zip code above to find the cheapest Tennessee auto insurance quotes near you.
|Rank||Auto Insurance Company||Average Annual Rate|
|6||Tennessee Farmers Mutual||$983|
Best Car Insurance in Tennessee
We found that State Farm, GEICO, and Tennessee Farmers Mutual were the best auto insurance companies in Tennessee. We arrived at these by measuring customer satisfaction among the major auto insurance companies operating in Tennessee. The metric we chose was a complaint index, which consists of a company’s share of complaints versus its share of direct premiums underwritten in Tennessee. This takes into account how a company performs relative to its competitors. A lower index number indicates fewer complaints, which indicates more satisfied policyholders, in our view. We also limited our review to the ten largest auto insurance companies in Tennessee, which combined insured 80% of drivers in the state, to be relevant to most drivers. This ruled out smaller insurers such as Direct General, Erie, or The Hartford.
|Auto Insurance Company||Direct Premiums Written||Complaint Index|
Auto Insurance in Tennessee: Minimum Coverage Requirements
Tennessee requires that car insurance policies include, at minimum, the following limits of coverage:
- Bodily Injury (BI) Liability: $25,000 per person / $50,000 per accident
- Property Damage (PD) Liability: $15,000 per accident
- Uninsured Motorist Bodily Injury (UMBI): $25,000 per person / $50,000 per accident
- Uninsured Motorist Property Damage (UMPD): $15,000 per accident
While these limits represent the least amount of insurance coverage you can have, you should consider adding more, as damages above these limits could require that you pay out-of-pocket. The amount of liability insurance you should have typically depends upon the amount of assets you have at risk in the case of a lawsuit. If you own a house in an expensive neighborhood and have sizable savings, we'd recommend you increase your liability limits and consider adding umbrella insurance as well.
Cheap Car Insurance in Tennessee By City
Location helps to determine how much drivers pay for their car insurance. The 5 most expensive cities had an average annual rate of $1,464 while the 5 cheapest areas had yearly premiums around $1,019--30% cheaper than the priciest towns around Tennessee. Generally speaking, lower population density (i.e., less people per square mile) and lower crime rates (especially auto theft rates) tend to translate into cheaper quotes. As you'll see, the 5 costliest cities in Tennessee were all in the Memphis metro-area, which as you may have guessed, has the highest crime rates in all of Tennessee and is the most populated!
The table below provides the three cheapest auto insurance companies by city, along with the average annual rates for a single male. Generally speaking, Utica National was the cheapest insurer that we found. Below you can see the three cheapest insurers per city. Then you can see an in-depth look into Tennessee's largest cities.
|City||Top Three Car Insurance Companies||Yearly Car Insurance Rate|
|Tennessee Farmers Mutual||$804|
|Tennessee Farmers Mutual||$888|
|Tennessee Farmers Mutual||$888|
|East Ridge||Utica National||$744|
|Johnson City||Utica National||$588|
|Tennessee Farmers Mutual||$804|
|La Vergne||Utica National||$648|
|Tennessee Farmers Mutual||$912|
|Mount Juliet||Utica National||$648|
|Oak Ridge||Utica National||$684|
|Red Bank||Utica National||$744|
|Tennessee Farmers Mutual||$924|
Memphis has been commemorated in more than 1,000 songs and titles. Known as the Bluff City, it is home to great barbecue and Elvis Presley’s Graceland Mansion. The city also ranks on many lists as one of the top 10 most crime ridden cities in the US, it should come as no surprise that downtown Memphis has the highest auto insurance prices in all of Tennessee.
Rates in Memphis average $1,600 per year, which is 33% higher than the average city in the state. Cheap car insurance in Memphis can be had though, despite costs being a third higher than the state average. We found the cheapest auto insurance quotes in Memphis at GEICO, The Cincinnati and Westfield. Insuring your vehicle with these three could save you 32% off what the average company charges in this city.
The city of Nashville and music are closely intertwined, and its nickname, “Music City”, reflects that. The Country Music Hall of Fame is located here, and a plethora of famous songs and records were recorded here and on Music Row. President Andrew Jackson’s house even has a guitar-shaped driveway.
On average, drivers from the "Music City" can pay about $1,209 a year to provide liability protection for their vehicles in Nashville – this ranks Tennessee’s capital as the 11th costliest. Based on our comparison analysis, for a single 30 year old male, Utica National, The Cincinnati and Westfield provided the cheapest options. The average cost between the three was 47% lower than the Music City average.
Measuring 104 square miles, Knoxville is located at the junction of three interstate highways: the I-75, I-40, and the I-81. This is where the main campus of the University of Tennessee is located, where the first electric street car was operated, and where the Great Smoky Mountains National Park can be driven to.
How much does auto insurance cost in Tennessee’s third largest city? That’d be about $1,226 for our sample driver in Tennessee's third largest city, making it the 9th most expensive for automobile insurance. Motorists cruising in the city will be glad to know that cheap auto insurance in Knoxville can be had with a bit of comparison shopping. We found that the three cheapest automobile insurers in Knoxville were Utica National, The Cincinnati and GEICO for civilians. The average quote at these three companies was 32% cheaper than the city average.
The fourth largest city in the Volunteer State, Chattanooga offers a wealth of natural beauty and southern charm. Residents looking for a break from city life can drive just six miles away to the Ruby Falls at Lookout Mountain – just don’t pass through Walnut Street Bridge, one of the world’s longest pedestrian-only bridges.
The city ranks as the 23rd most expensive for car insurance in Tennessee. At $1,172 a year, it’s just a few dollars shy of the state’s average – 2% less. For affordable car insurance in Chattanooga, we recommend starting with quotes from Utica National, GEICO and Westfield. The average rates at these companies were 30% less than the Chattanooga average. In comparison, the three most expensive companies in Chattanooga (Encompass, Safe Auto, and State Auto) cost about $990 more than the three cheapest on average.
The city’s train depot and famed Roxy Theater have been featured in music videos, from the Monkees’ “Last Train to Clarksville”, and Sheryl Crow’s “All I Wanna Do”. Noted guitarist Jimi Hendrix was stationed near Clarksville with the 101st Airborne Division at Fort Campbell as well.
As for car insurance costs, Clarksville is roughly on par with the Tennessee average. We found that single 30 year old men pay about $1,207 to cover their vehicles for the year. If they’re looking to save more, the top three cheapest results were Utica National, The Cincinnati and GEICO, where rates were about 31% less than the state average. That translates to $514 more in the bank.
Murfreesboro is the geographic center of Tennessee, but its auto insurance costs tilt towards the cheaper end in the state being the 18th least expensive city in Tennessee for car insurance. It's also the seat of Rutherford County, and is home to the Middle Tennessee State University and 114,000 residents. The area has been ranked as the 84th best city to live in the United States, and also turns up as the 9th cheapest city in our study for auto insurance.
Insuring a car in Murfreesboro costs about $1,159 per year for our sample driver. Just by living here, motorists pay about 4% less than the state average. For even more affordable auto insurance in Murfreesboro, consider quotes at Utica National, GEICO and Westfield. The average price for those companies was $768. This figure is $391 less than the city average.
The city of Jackson is home to Rusty’s TV & Movie Car Museum, which celebrates the role automobiles have played in entertainment history. Among the TV cars are the Scooby Doo Mystery Machine van and the blue AMC Pacer 2-door compact from Wayne’s World. From movies, you have the Batsmobile, the Gran Torino from Starsky & Hutch, the Cadillac Miller-Meteor ambulance from Ghostbusters, and even the De Lorean from Back to the Future.While our cars weren’t featured on films, they’re at least cheaper to insure than any of the specialty automobiles above! It costs $1,250 on average to insure your car in Jackson for our sample driver.
Overall Jackson is 4% higher than the average city in Tennessee. For low-cost auto insurance in Jackson, we recommend starting with quotes from GEICO, Nationwide, and the Cincinnati. Their average annual premium represents a $324 discount from the citywide average.
Had Tennessee kept its precursor name, it would have been known as the State of Franklin, making this city Franklin, Franklin. This city of 69,000 was actually named after Benjamin Franklin, however. Today, the city hosts a number of colorful festivals and events, such as the Main Street Festival, the Wine Down Main Street, Pumpkinfest, and Dickens of a Christmas.
Who has the cheapest car insurance in Franklin? That’d be Utica National, Westfield and GEICO according to our comparison shopping numbers. These companies charged an average of $790, or 31% cheaper than the state average for our sample driver. Overall, Franklin was the 9th most affordable city for car insurance in Tennessee.
Johnson City, TN
Along with Bristol and Kingsport, Johnson City is the third member of the "Tri-Cities" on the northeastern border of Tennessee and home to 65,000+ citizens. Tennessee’s 9th most populous spot, Johnson City ranked as the 4th cheapest in our survey of 44 cities in the state. It is home to the East Tennessee State University Buccaneers. The city also has a number of routes known as the “Southern Dozen”, which take motorcycle riders and drivers through winding paths and twisting roads across Tennessee to witness the natural beauty and cultural history the state has to offer.
With so much pavement to cover, and so many destinations to road trip to, motorists in Johnson City will be glad to know that costs here are almost 10% lower than the state average, making it the third cheapest in Tennessee. It can cost $1,078 a year to protect your car with liability coverage, or $756 a year if you go with one of the cheaper insurers. For affordable auto insurance in Johnson City, start with Utica National, Nationwide and GEICO. Their rates are about $322 or 25% lower than the citywide average.
The City of Bartlett sits 13 miles to the northeast of downtown Memphis. Bartlett's slogan is "A Great Place to Live, Work, Raise a Family and Retire". The city of Bartlett originated as a way station and a farming community and is today home to 55,000 residents with access to more than 25 parks with tennis courts and trails, as well as the 18-hole Quail Ridge golf course to practice your golf game.
Drivers in Bartlett pay an average $1,505 per year or $125 per month. While it is 6% cheaper than Memphis it is still 26% higher than the state average making it the 2nd most expensive city in Tennessee. We found low-cost auto insurance quotes in Bartlett at GEICO, Nationwide, and the Cincinnati. At these three companies, motorists shell out on average $1,068 a year for standard insurance policies. That’s about 29% lower than the Bartlett average, and 12% lower than the Tennessee average annual premium.
Located in the middle of Tennessee, Brentwood is a suburb of Nashville. Auto insurance rates average $1,126 per year--about 6% lower than the rest of TN. Consumers who want lower rates should consider getting quotes from Utica National, Westfield and GEICO. With average annual premiums of $773 among the three, Brentwood drivers would be saving about $352 compared to the rest of the city.
The 'Birthplace of Country Music' and also home to a hugely popular NASCAR event at the Bristol Motor Speedway, Bristol is a town of 27,000 residents located in northeast Tennessee. Bristol's car insurance rates, perhaps ironically, the cheapest in all of Tennessee with an average annual rate of $1,067. This is 45% cheaper than the most expensive city in TN and 11% cheaper than the state average. We found the cheapest quotes in Bristol at Utica National, GEICO, and Tennessee Farmers Bureau. The mean annual premium at Utica National, GEICO, and Tennessee Farmers Bureau was $762, or 28% cheaper than the average insurer in Bristol.
The second (and larger) half of the Kingsport-Bristol metro area, Kingsport was only a few dollars more expensive than its next door neighbor, Bristol. Residents in town can expect a monthly payment of $1,071 annually. At this rate, Kingsport drivers pay 11% less than the average Tennessean, and 45% less than commuters in Memphis. In our comparison analysis, Utica National, Tennessee Farmers Mutual and The Cincinnati had the lowest rates at $732 on average.
Another suburb of Nashville, Gallatin is the employment epicenter for Sumner County with large employers like GAP and ServPro Industries topping the list. Beyond a comfortable and convenient lifestyle, residents of Gallatin should be happy to know that their auto insurance costs are the 6th lowest in the state.
The annual average is $1,132 or $94 a month. If that’s not low enough, frugal drivers should include quotes from Utica National, Westfield and the Cincinnati in their comparison shopping. The average rate for those companies was $788 for our sample driver, a $279 from the city average.
Home to 40,123 Tennesseans, Germantown is located in southeast Shelby County and has the highest per capita income of all municipalities in the County of $49,857.
Germantown is the third most expensive spot for auto insurance in Tennessee with annual rates of $1,471 for our sample driver, or 23% more expensive than the state average. For inexpensive auto insurance in Germantown, check out GEICO, Nationwide and the Cincinnati. Out of the companies we surveyed, these three had rates that were about 28% cheaper than the average insurer in the city at $1,058 on average.
Bordering our 4th place finisher (Germantown) to the east, and the state of Mississippi to the north, Collierville is also a suburb of Memphis with high auto insurance rates relative to the Tennessee state average. Citizens of Collierville are looking at a city average of $1,449, which is 21% higher than the state average. The top results we saw in Collierville were at GEICO, Nationwide and The Cincinnati. Among these three, the mean annual premium was $1019 – 29% less what the typical driver in Collierville would pay.
Eighty miles northeast of downtown Memphis, Dyersburg presents itself as "The Gateway to Everywhere" and as the regional retail, medical, employment, and cultural center for the 300,000 people living in the tri-state. A small town of just over 17,000 people, Dyersburg had the 5th highest car insurance premiums in Tennessee at an annual average of $1,294. Drivers here pay 8% more than the average Tennessean, but 20% less than the average Memphis dweller. Cheaper auto insurance alternatives in Dyersburg can be had at Nationwide, The Cincinnati and Westfield for an average of $956 per year. This figure represents savings of $338 compared to the city average.
Cost of Car Insurance in Tennessee in All Cities
Our study looked at 44 Tennessee cities in total, so if you didn't see your town in the Top or Bottom 5 there's a good chance you can see where your city stacks up in the chart below. The average cost of car insurance in Tennessee across the entire state was $1,199 per year – that’s based on rates we saw for a single 30 year old male driving a Toyota Camry. Here are the cities in order of cheapest to costliest.
About Our Study
Our sample quotes assume a thirty year old male driver who is single. In this case, he drives a 2011 Toyota Camry that he bought and mainly uses to commute to and from his place of employment. Coverage is slightly above the state minimum (see table below). The driver has had no at-fault accidents or violations in the last 5 years. ValuePenguin looked at insurance quotes from 14 top auto insurers that operate throughout Tennessee. We then averaged rates across the auto insurers to come up with a final number for each city. Complaint data and direct premiums underwritten were sourced from the NAIC and the Tennessee Department of Commerce & Insurance.
|Liability Type||Tennessee Minimum||Assumptions|
|Bodily Liability (per person / accident)||$25,000 / $50,000||$50,000 / $100,000|
|Uninsured Motorist||$50,000 / $100,000|
|Collision / Comprehensive deductible||$500|