Cheapest Car Insurance in Tennessee (Best Rates in 2025)
Erie has the best cheap car insurance in Tennessee, at $115 per month for full coverage.
Find Cheap Auto Insurance Quotes in Tennessee
Best cheap auto insurance in TN
How we chose the top companies
Best and cheapest car insurance in Tennessee
- Cheapest full coverage: Erie, $115/mo
- Cheapest minimum liability: Erie, $39/mo
- Cheapest for young drivers: Erie, $91/mo
- Cheapest after a ticket: Erie, $125/mo
- Cheapest after an accident: State Farm, $146/mo
- Cheapest for teens after a ticket: State Farm, $64/mo Erie, $107/mo
- Cheapest after a DUI: Erie, $187/mo
- Cheapest for poor credit: Farmers, $243/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Erie is the best choice for most people in Tennessee. It offers a great mix of reliable customer service and cheap rates.
Cheapest car insurance in TN: Erie
Erie has the most affordable full coverage insurance in Tennessee.
At $115 per month, full coverage from Erie is $42 per month less than the TN state average.
USAA offers even cheaper rates to Tennessee drivers with military ties, at $88 per month for full coverage. However, USAA is only available to military members, veterans and some of their family members.
Find Cheap Auto Insurance Quotes in Tennessee
The average cost of auto insurance in Tennessee is $157 per month for a full coverage policy. That's $18 per month cheaper than the U.S. average.
Cheapest full coverage insurance in TN
Company | Monthly rate | |
|---|---|---|
| Erie | $115 |
| State Farm | $126 |
| Geico | $156 |
| Farmers | $173 |
| Progressive | $216 |
*USAA is only available to current and former military members and their families.
Cheap liability car insurance in TN: Erie
Erie has the cheapest liability-only insurance in Tennessee.
At $39 per month, a liability-only policy from Erie costs $15 per month less than the state average.
USAA has even cheaper rates, at just $26 per month. However, only military members, veterans and some of their family members can buy USAA insurance.
Cheapest liability insurance in Tennessee
Company | Monthly rate |
|---|---|
| Erie | $39 |
| State Farm | $42 |
| Farmers | $57 |
| Progressive | $62 |
| Geico | $65 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Tennessee
Cheap car insurance in TN for young drivers: Erie
Erie has the cheapest car insurance quotes in Tennessee for teen drivers.
A liability-only policy from Erie costs $91 per month for an 18-year-old. That's half the Tennessee average for teens. Erie also has the most affordable full coverage for young drivers, at $263 per month.
USAA has even cheaper car insurance quotes for 18-year-old drivers. However, only active-duty military members, veterans and some of their family members (which includes children) can get insurance from USAA.
Cheapest car insurance quotes in TN for teens
Company | Liability only | Full coverage |
|---|---|---|
| Erie | $91 | $263 |
| Geico | $132 | $300 |
| State Farm | $143 | $371 |
| Farmers | $235 | $607 |
| Progressive | $263 | $863 |
*USAA is only available to current and former military members and their families.
In Tennessee, 18-year-olds pay more than three times as much for car insurance as 30-year-olds. That's because teens have less experience behind the wheel and are more likely to cause a crash.
The best way for young drivers in Tennessee to get cheap insurance rates is by sharing a policy with their parents. Good student and driver safety course discounts can also help teens save on car insurance.
Cheap auto insurance quotes in TN after a speeding ticket: Erie
Erie has the best rates for Tennessee drivers with a recent speeding ticket. Full coverage from Erie costs $125 per month, on average. That's $66 per month cheaper than the Tennessee state average.
Cheap Tennessee auto insurance after a speeding ticket
Company | Monthly rate |
|---|---|
| Erie | $125 |
| State Farm | $136 |
| Farmers | $209 |
| Geico | $211 |
| Progressive | $266 |
*USAA is only available to current and former military members and their families.
Tennessee drivers can expect to pay 22% more for auto insurance after a speeding ticket. That's an average increase of $34 per month for full coverage insurance.
Cheap insurance in TN after an accident: State Farm
State Farm has the best cheap Tennessee car insurance for drivers with an accident on their record. A full coverage policy from State Farm costs $146 per month after a crash, which is $75 per month less than the statewide average.
Affordable auto insurance in Tennessee after an accident
Company | Monthly rate |
|---|---|
| State Farm | $146 |
| Erie | $156 |
| Farmers | $211 |
| Geico | $231 |
| Progressive | $286 |
*USAA is only available to current and former military members and their families.
Full coverage quotes in Tennessee increase by 41% after an at-fault accident, on average.
Don't worry about switching insurance companies right after your accident. Your rates won't go up until your current policy renews. But any quotes you get now will factor in your crash, so they'll probably be more expensive than your current rate.
Instead, wait until you get your renewal offer a few weeks to a month before your current policy expires. Then, you should shop around for quotes from multiple companies to find the best price.
Cheapest auto insurance in TN for teens with a ticket or accident: Erie
Erie has the most affordable rates in Tennessee for young drivers with a speeding ticket or accident on their record.
A minimum liability policy from Erie costs $107 per month for an 18-year-old with a speeding ticket. That's half the Tennessee average for teens with a ticket.
Erie also has the cheapest quotes for teens after an accident. At $120 per month, liability-only coverage from Erie costs $113 per month less than the state average.
Best TN car insurance quotes for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Erie | $107 | $120 |
| Geico | $158 | $177 |
| State Farm | $159 | $175 |
| Progressive | $254 | $257 |
| Farmers | $275 | $282 |
*USAA is only available to current and former military members and their families.
Young drivers in Tennessee can expect their rates to go up by 17% after a speeding ticket, and 27% after an at-fault accident. That's a smaller increase than adult drivers usually see, because teens are considered high-risk drivers, even before a ticket or accident so insurance companies have already factored that into the rate.
Cheap auto insurance in TN after a DUI: Erie
Erie has the best rates in Tennessee for drivers with a DUI. A full coverage policy from Erie costs $187 per month. That's $50 per month cheaper than the state average, and $49 per month less than the second-cheapest company, Progressive.
Best Tennessee auto insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| Erie | $187 |
| Progressive | $236 |
| Geico | $245 |
| Farmers | $251 |
| State Farm | $264 |
*USAA is only available to current and former military members and their families.
Driving under the influence in Tennessee will raise your rates by an average of 51%.
In addition, drivers with a DUI may need to get SR-22 insurance in Tennessee. An SR-22 filing can cost an extra $15 to $50.
Low-cost TN auto insurance for drivers with poor credit: Farmers
Farmers has the most affordable full coverage insurance for Tennessee drivers with poor credit, at $243 per month. That's $68 per month cheaper than the $311 per month state average.
Cheapest insurance in TN if you have poor credit
Company | Monthly rate |
|---|---|
| Farmers | $243 |
| Geico | $245 |
| Erie | $264 |
| Progressive | $345 |
| Allstate | $393 |
*USAA is only available to current and former military members and their families.
Drivers with poor credit pay nearly twice as much for car insurance in Tennessee compared to those with good credit. That's because insurance companies believe people with low credit scores tend to file more claims than drivers with good credit.
Best car insurance in TN
Erie has the best auto insurance in Tennessee for most drivers.
Erie has excellent customer service reviews, and is typically one of the cheapest options in Tennessee.
USAA has the top customer service scores in the state. However, you can only get USAA car insurance as an active-duty military member, a veteran or their family member.
Top insurance companies in Tennessee
Company |
Editor's rating
|
J.D. Power
|
AM Best
|
|---|---|---|---|
| USAA | 739 | A++ | |
| Erie | 700 | A+ | |
| State Farm | 657 | A++ | |
| Geico | 637 | A++ | |
| Farmers | 619 | A |
Average cost of auto insurance in Tennessee by city
Memphis, the second-largest city in Tennessee, has the most expensive car insurance in the state.
Full coverage car insurance in Memphis, TN costs an average of $224 per month. This is partially because Memphis has significantly more car thefts than other cities in Tennessee.
Bristol, a city on the Tennessee-Virginia border, has the cheapest rates in the state, at $131 per month.
Tennessee car insurance quotes by city
City | Monthly Rate | % from average |
|---|---|---|
| Adams | $163 | 2% |
| Adamsville | $165 | 4% |
| Afton | $144 | -9% |
| Alamo | $163 | 3% |
| Alcoa | $146 | -8% |
Where you live can impact your car insurance rates as much as your driving habits. Full coverage rates in Tennessee vary by about $93 per month between the most and least expensive cities.
Large cities with more traffic and higher crime rates, like Memphis and Nashville, typically have more expensive car insurance rates. That's because higher accident and auto theft rates tend to lead to more claims.
What is the Tennessee state minimum auto insurance?
In Tennessee, you must have a minimum amount of liability insurance, which is often written as 25/50/25.
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $25,000 per accident
What's the best car insurance coverage for Tennessee drivers?
Most drivers should get full coverage auto insurance rather than the minimum limits.
Full coverage car insurance includes comprehensive and collision coverages in addition to liability coverage.
- Comprehensive coverage pays for damage to your car caused by "acts of God," like theft and weather.
- Collision coverage pays for damage to your car after an accident, regardless of whose fault it is.
If you have a car loan or lease, your lender typically requires you to have full coverage. You should also consider full coverage insurance if your car is worth more than $5,000 or is newer than eight years old.
Minimum liability policies are the cheapest option in Tennessee.
That's because they offer the least coverage you can legally have. Cheap rates might make liability only auto insurance seem like the best option if you're on a budget, but if you're in an accident, you could end up paying more in the long run.
A minimum coverage policy only pays for the other driver's injuries and property damage. It doesn't protect your car or pay for injuries to you and your passengers.
Frequently asked questions
Who has the cheapest car insurance rates in Tennessee??
Erie is the cheapest insurance company for full coverage in Tennessee, with rates averaging $115 per month. It also has the cheapest liability-only coverage, at $39 per month.
How much is car insurance in Tennessee?
A full coverage policy costs $157 per month in Tennessee, on average. Minimum liability coverage costs an average of $54 per month.
How much is car insurance in Chattanooga, TN?
The average cost of full coverage car insurance in Chattanooga is $159 per month. That's just $2 per month more than the state average.
Methodology
To find the best cheap insurance in Tennessee, ValuePenguin collected thousands of rates from ZIP codes across TN for the largest insurance companies in the state. Rates are for a 30-year-old man with a 2015 Honda Civic EX and good credit.
Rates for a full coverage policy that has higher liability limits than the state requirement, along with collision and comprehensive coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from insurance company filings. Use them for comparative purposes only. Your own quotes may differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.