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.

Find Cheap Auto Insurance Quotes in Tennessee

Currently insured?
No spam. No hassle. No hidden costs.
{"buttonText":"TN Quotes","customEventLabel":"","defaultProduct":"auto","defaultZip":"","hideTitle":false,"id":"QuoteWizardQuoteForm--633","isAgeFieldVisible":true,"isDeltyForm":false,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":"true","style":"dropshadow","tier":"VPT1","title":"Find Cheap Auto Insurance Quotes in Tennessee","trackingKey":"_best-cheap-car-insurance-tennessee","trustMessage":"No spam. No hassle. No hidden costs.","vendor":"vp"}

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.

{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#tn-cheapest-companies","linkText":"Cheapest for minimum liability"}
{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#full-coverage","linkText":"Cheapest for full coverage"}
{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/usaa-3","link":"#tn-best-company","linkText":"Best for customer service"}
{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#young","linkText":"Cheapest for young drivers"}
{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#tn-cheapest-companies","linkText":"Cheapest for minimum liability"}

{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#full-coverage","linkText":"Cheapest for full coverage"}

{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/usaa-3","link":"#tn-best-company","linkText":"Best for customer service"}

{"eventCategory":"Visual TOC Item","eventLabel":"","cloudinaryImageName":"referral_logos\/us\/insurance\/statefarm-2","link":"#young","linkText":"Cheapest for young drivers"}

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. 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.

Average minimum coverage premiums from State Farm in Tennessee are $361 annually and $30 monthly. The average cost of minimum coverage insurance in Tennessee is $509 annually, making State Farm's rates 29% cheaper than average.

Chart of the cheapest car insurance companies in Tennessee.

Find Cheap Auto Insurance Quotes in Tennessee

Currently insured?
No spam. No hassle. No hidden costs.
{"buttonText":"TN Quotes","customEventLabel":"","defaultProduct":"auto","defaultZip":"","hideTitle":false,"id":"QuoteWizardQuoteForm--370","isAgeFieldVisible":true,"isDeltyForm":false,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":"true","style":"dropshadow","tier":"VPT1","title":"Find Cheap Auto Insurance Quotes in Tennessee","trackingKey":"_best-cheap-car-insurance-tennessee","trustMessage":"No spam. No hassle. No hidden costs.","vendor":"vp"}

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.

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.

RankCompanyAverage annual rate
1State Farm$361
2Erie$363
3GEICO$445
4Tennessee Farmers Mutual$450
5Progressive$473
6Allstate$673
7Nationwide$947
N/AUSAA$356
*USAA is excluded from rankings because it is only available to current and former military members and their families.

Cheapest company for full coverage: State Farm

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

InsurerAnnual costMonthly 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.

Cheap car insurance for drivers with prior incidents

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. Bearing this in mind, we found the cheapest full coverage auto insurance for Tennessee drivers who have:

Find Cheap Auto Insurance Quotes in Tennessee

Currently insured?
No spam. No hassle. No hidden costs.
{"buttonText":"TN Quotes","customEventLabel":"","defaultProduct":"auto","defaultZip":"","hideTitle":false,"id":"QuoteWizardQuoteForm--362","isAgeFieldVisible":true,"isDeltyForm":false,"isInsuranceTypeFieldVisible":true,"isInsuredStatusFieldVisible":true,"quoteWizardEndpoint":"https:\/\/quotes.valuepenguin.com","showTrustMessage":"true","style":"dropshadow","tier":"VPT1","title":"Find Cheap Auto Insurance Quotes in Tennessee","trackingKey":"_best-cheap-car-insurance-tennessee","trustMessage":"No spam. No hassle. No hidden costs.","vendor":"vp"}

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.

InsurerAnnual costMonthly 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. Tenneesse Farmers Mutual, for instance, does 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

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

InsurerAnnual costMonthly 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

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. State Farm offers the best rates to drivers who have a DUI. Unlike the other insurers in our study, it treats DUIs like speeding tickets, charging our sample driver the same rate for both offenses. That makes State Farm's rates 53% percent cheaper than the Tennessee state average of $3,027 for drivers with a DUI.

InsurerAnnual costMonthly 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

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.

For drivers with poor credit, we found that the average cost of car insurance can be nearly 30% more expensive than average. State Farm offers the best rates for these types of drivers. In fact, the rates State Farm charged our sample profile were the same no matter the driver's credit.

InsurerAnnual costMonthly cost
State Farm$1,294$108
GEICO$1,550$129
Tennessee Farmers Mutual$1,726$144
Tennessee average$1,875$156
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EInsurers 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. Bearing this in mind, we found the cheapest full coverage auto insurance for Tennessee drivers who have:\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodeList--root \"\u003E\n\n \u003Cdiv class=\"ShortcodeList--content ShortcodeList--content-margin\"\u003E\n \u003Cdiv class=\"ShortcodeList--column\"\u003E\n \u003Cul class=\"ListUnordered--root ListUnordered--bullet\"\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Been involved in an at-fault accident: State Farm\" href=\"#accident\"\u003EBeen involved in an at-fault accident: State Farm\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Received one speeding ticket: GEICO\" href=\"#speeding\"\u003EReceived one speeding ticket: GEICO\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"Received one citation for a DUI: Progressive\" href=\"#dui\"\u003EReceived one citation for a DUI: Progressive\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003Cli class=\"ListUnordered--list-item\"\u003E\n \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"A poor credit history: Progressive\" href=\"#credit\"\u003EA poor credit history: Progressive\u003C\/a\u003E\u003C\/span\u003E\n \u003C\/li\u003E\n \u003C\/ul\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n\u003C\/div\u003E\n\n\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ReactComponent--root\"\u003E\n \u003Cdiv class=\"js-react-component-rendered js-react-component-QuoteWizardQuoteForm\" data-component-name=\"QuoteWizardQuoteForm\"\u003E\n \u003Cdiv class=\"QuoteWizardQuoteForm--root QuoteWizardQuoteForm--dropshadow\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--form-container\"\u003E\u003Ch3 class=\"QuoteWizardQuoteForm--title\"\u003EFind Cheap Auto Insurance Quotes in Tennessee\u003C\/h3\u003E\u003Cform id=\"QuoteWizardQuoteForm--362\" class=\"QuoteWizardQuoteForm--form\" method=\"GET\" action=\"https:\/\/quotes.valuepenguin.com\" target=\"_blank\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--hidden\"\u003E\u003Cinput type=\"hidden\" name=\"c\" value=\"C30088\"\/\u003E\u003Cinput type=\"hidden\" name=\"product\" value=\"auto\"\/\u003E\u003Cinput type=\"hidden\" name=\"key\" value=\"_best-cheap-car-insurance-tennessee\"\/\u003E\u003Cinput type=\"hidden\" name=\"v\" value=\"VPT1\"\/\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--fields\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--product\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"Select\" class=\"InputDropdown--select\" name=\"\"\u003E\u003Coption selected=\"\" value=\"auto\"\u003EAutomotive\u003C\/option\u003E\u003Coption value=\"home\"\u003EHomeowners\u003C\/option\u003E\u003Coption value=\"life\"\u003ELife\u003C\/option\u003E\u003Coption value=\"motorcycle\"\u003EMotorcycle\u003C\/option\u003E\u003Coption value=\"renters\"\u003ERenters\u003C\/option\u003E\u003Coption value=\"health\"\u003EHealth\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--zip-code\"\u003E\u003Cdiv class=\"ZipCodeInput--root \"\u003E\u003Cdiv class=\"TextInput--root TextInput--required ZipCodeInput--input\"\u003E\u003Cdiv class=\"TextInput--field TextInput--none TextInput--field-container\"\u003E\u003Cspan class=\"TextInput--symbol\"\u003E\u003C\/span\u003E\u003Cinput type=\"tel\" aria-label=\"zip\" class=\"TextInput--input\" name=\"zip\" placeholder=\"Zip Code\" required=\"\" style=\"width:100%\" tabindex=\"0\" value=\"\"\/\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--age\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"age\" class=\"InputDropdown--select\" name=\"age\"\u003E\u003Coption selected=\"\" value=\"age\"\u003EAge\u003C\/option\u003E\u003Coption value=\"16\"\u003E16-20\u003C\/option\u003E\u003Coption value=\"21\"\u003E21-24\u003C\/option\u003E\u003Coption value=\"25\"\u003E25-34\u003C\/option\u003E\u003Coption value=\"35\"\u003E35-44\u003C\/option\u003E\u003Coption value=\"45\"\u003E45-54\u003C\/option\u003E\u003Coption value=\"55\"\u003E55-65\u003C\/option\u003E\u003Coption value=\"66\"\u003E65+\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status\"\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-title\"\u003ECurrently insured?\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--insured-status-field\"\u003E\u003Cdiv class=\"InputDropdown--root \"\u003E\u003Cdiv class=\"InputDropdown--field\"\u003E\u003Cselect aria-label=\"prior\" class=\"InputDropdown--select\" name=\"prior\"\u003E\u003Coption selected=\"\" value=\"1\"\u003EYes\u003C\/option\u003E\u003Coption value=\"0\"\u003ENo\u003C\/option\u003E\u003C\/select\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--submit\"\u003E\u003Cbutton aria-label=\"TN Quotes\" class=\"Button--root Button--primary \" type=\"submit\" value=\"TN Quotes\"\u003ETN Quotes\u003C\/button\u003E\u003C\/div\u003E\u003C\/div\u003E\u003C\/form\u003E\u003C\/div\u003E\u003Cdiv class=\"QuoteWizardQuoteForm--trust-message-container\"\u003E\u003Cspan class=\"QuoteWizardQuoteForm--trust-icon ValuePenguinIcon--inspolicy\"\u003E\u003C\/span\u003E\u003Cspan class=\"QuoteWizardQuoteForm--trust-message\"\u003ENo spam. No hassle. No hidden costs.\u003C\/span\u003E\u003C\/div\u003E\u003C\/div\u003E\n \u003C\/div\u003E\n\n\n \u003Cdiv class=\"js-react-component\" data-component-name=\"QuoteWizardQuoteForm\"\u003E{\"buttonText\":\"TN Quotes\",\"customEventLabel\":\"\",\"defaultProduct\":\"auto\",\"defaultZip\":\"\",\"hideTitle\":false,\"id\":\"QuoteWizardQuoteForm--362\",\"isAgeFieldVisible\":true,\"isDeltyForm\":false,\"isInsuranceTypeFieldVisible\":true,\"isInsuredStatusFieldVisible\":true,\"quoteWizardEndpoint\":\"https:\\\/\\\/quotes.valuepenguin.com\",\"showTrustMessage\":\"true\",\"style\":\"dropshadow\",\"tier\":\"VPT1\",\"title\":\"Find Cheap Auto Insurance Quotes in Tennessee\",\"trackingKey\":\"_best-cheap-car-insurance-tennessee\",\"trustMessage\":\"No spam. No hassle. No hidden costs.\",\"vendor\":\"vp\"}\u003C\/div\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Ch3 id=\"accident\"\u003ECheapest for drivers with an accident: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EWe recommend \u003Cstrong\u003EState Farm\u003C\/strong\u003E 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 \u2014 just $1,529 annually, or $127 monthly.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,529\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$127\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee Farmers Mutual\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,726\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$144\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,448\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$204\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,601\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$217\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EOur 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. Tenneesse Farmers Mutual, for instance, does 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.\u003C\/p\u003E\n\n\u003Cp\u003EThese 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.\u003C\/p\u003E\n\n\u003Ch3 id=\"speeding\"\u003ECheapest car insurance for people with a speeding ticket: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003ETennessee drivers pay 13% more in annual auto insurance premiums after a speeding ticket, according to our analysis. The best rates came from \u003Cstrong\u003EState Farm\u003C\/strong\u003E: 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.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,412\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$118\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,550\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$129\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee Farmers Mutual\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,726\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$144\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,122\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$177\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Ch3 id=\"dui\"\u003ECheapest car insurance for drivers with a DUI: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EDriving 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. \u003Cstrong\u003EState Farm\u003C\/strong\u003E offers the best rates to drivers who have a DUI. Unlike the other insurers in our study, it treats DUIs like speeding tickets, charging our sample driver the same rate for both offenses. That makes State Farm's rates 53% percent cheaper than the Tennessee state average of $3,027 for drivers with a DUI.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,412\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$118\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,241\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$187\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee Farmers Mutual\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,753\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$229\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$3,027\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$252\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Ch3 id=\"credit\"\u003ECheapest car insurance for drivers with poor credit: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003ETennessee 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.\u003C\/p\u003E\n\n\u003Cp\u003EFor drivers with poor credit, we found that the average cost of car insurance can be nearly 30% more expensive than average. \u003Cstrong\u003EState Farm\u003C\/strong\u003E offers the best rates for these types of drivers. In fact, the rates State Farm charged our sample profile were the same no matter the driver's credit.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,294\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$108\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EGEICO\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,550\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$129\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee Farmers Mutual\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,726\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$144\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,875\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$156\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\n","padding":"double"}

Cheapest car insurance for married drivers: State Farm

Our analysis found that the average auto insurance rate for married drivers in Tennessee is $1,732 annually — $143 less than what single drivers pay. Married drivers statistically get into fewer accidents than single drivers do, reducing their risk and lowering their rates. State Farm offers the best rates to married drivers, with annual premiums that are 25% lower than the state average.

InsurerAnnual costMonthly cost
State Farm$1,294$108
GEICO$1,470$123
Progressive$1,534$128
Tennessee average$1,732$144
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003EOur analysis found that the average auto insurance rate for married drivers in Tennessee is $1,732 annually \u2014 $143 less than what single drivers pay. Married drivers statistically get into fewer accidents than single drivers do, reducing their risk and lowering their rates. \u003Cstrong\u003EState Farm\u003C\/strong\u003E offers the best rates to married drivers, with annual premiums that are 25% lower than the state average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,294\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$108\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,470\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$123\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,534\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$128\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,732\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$144\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\n","padding":"double"}

Cheapest car insurance for young drivers: State Farm

Young Tennessee drivers pay more than triple what adult drivers pay for full coverage auto insurance. Average annual premiums for our sample 18-year-old driver were $6,262 annually, compared to just $1,875 for our sample adult driver.

Accident-prone young drivers pose a particular risk to insurers, and insurers charge rates that reflect that risk. State Farm quoted the most affordable premiums to our teen driver for full coverage, with rates averaging at $4,013 annually, or $334 monthly.

RankInsurerFull coverageMinimum coverage
1State Farm$4,013$1,243
2Erie$4,662$778
3Tennessee Farmers Mutual$4,925$1,507
4GEICO$5,405$1,769
5Nationwide$7,687$4,011
6Progressive$9,248$3,249
7Allstate$11,454$2,188
N/AUSAA$2,703$1,051
N/ATennessee average$6,262$1,975
*USAA is excluded from rankings because it is only available to current and former military members and their families.

Given these high rates, many teen drivers and their families may consider opting for minimum coverage rather than full coverage. However, ValuePenguin urges full coverage for young drivers if at all possible. Full coverage ensures that repairs on the car you drive are covered in the event of an accident, while a minimum liability policy only pays for the other driver's repairs and injuries. Teen drivers are statistically more likely to get into an accident than adult drivers, which means they particularly stand to benefit from having the car they drive fully insured.

Cheapest for young drivers with one accident: State Farm

Young drivers in Tennessee already pay high rates, but an at-fault accident causes them to go up even more — by 17%, according to our research. These young drivers could get their best rates from State Farm. While the average cost of insurance for teen Tennesseans with an at-fault accident on their record is $7,306 annually, a State Farm policy costs 34% less, at $4,821 annually.

InsurerAnnual costMonthly cost
State Farm$4,821$402
GEICO$5,405$450
Tennessee Farmers Mutual$5,409$451
Tennessee average$7,306$609

Cheapest for young drivers with one speeding ticket: State Farm

If you're a young Tennessee driver caught speeding on the roads, your rates may increase by about 10%, or $636 annually. Our analysis shows that young shoppers with a single speeding ticket on their record are most likely to get affordable full coverage car insurance from State Farm, as the company's annual premiums are 36% cheaper than average.

InsurerAnnual costMonthly cost
State Farm$4,417$368
Tennessee Farmers Mutual$4,925$410
GEICO$5,405$450
Tennessee average$6,898$575
{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nYoung Tennessee drivers pay more than triple what adult drivers pay for full coverage auto insurance. Average annual premiums for our sample 18-year-old driver were $6,262 annually, compared to just $1,875 for our sample adult driver.\n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EAccident-prone young drivers pose a particular risk to insurers, and insurers charge rates that reflect that risk. \u003Cstrong\u003EState Farm\u003C\/strong\u003E quoted the most affordable premiums to our teen driver for full coverage, with rates averaging at $4,013 annually, or $334 monthly.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ERank\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EFull coverage\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMinimum coverage\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$4,013\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$1,243\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E2\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EErie\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,662\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$778\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E3\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee Farmers Mutual\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,925\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,507\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E4\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,405\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,769\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E5\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENationwide\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$7,687\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,011\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E6\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$9,248\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$3,249\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E7\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$11,454\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,188\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUSAA\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$2,703\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,051\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$6,262\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$1,975\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E*USAA is excluded from rankings because it is only available to current and former military members and their families.\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Cp\u003EGiven these high rates, many teen drivers and their families may consider opting for minimum coverage rather than full coverage. However, ValuePenguin urges full coverage for young drivers if at all possible. Full coverage ensures that repairs on the car you drive are covered in the event of an accident, while a minimum liability policy only pays for the other driver's repairs and injuries. Teen drivers are statistically more likely to get into an accident than adult drivers, which means they particularly stand to benefit from having the car they drive fully insured.\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one accident: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EYoung drivers in Tennessee already pay high rates, but an at-fault accident causes them to go up even more \u2014 by 17%, according to our research. These young drivers could get their best rates from \u003Cstrong\u003EState Farm\u003C\/strong\u003E. While the average cost of insurance for teen Tennesseans with an at-fault accident on their record is $7,306 annually, a State Farm policy costs 34% less, at $4,821 annually.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$4,821\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$402\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,405\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$450\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee Farmers Mutual\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,409\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$451\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$7,306\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$609\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\u003C\/p\u003E\n\n\u003Ch3\u003ECheapest for young drivers with one speeding ticket: State Farm\u003C\/h3\u003E\n\n\u003Cp\u003EIf you're a young Tennessee driver caught speeding on the roads, your rates may increase by about 10%, or $636 annually. Our analysis shows that young shoppers with a single speeding ticket on their record are most likely to get affordable full coverage car insurance from \u003Cstrong\u003EState Farm\u003C\/strong\u003E, as the company's annual premiums are 36% cheaper than average.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAnnual cost\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EMonthly cost\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003EState Farm\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$4,417\u003C\/strong\u003E\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E\u003Cstrong\u003E$368\u003C\/strong\u003E\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee Farmers Mutual\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$4,925\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$410\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$5,405\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$450\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee average\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$6,898\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E$575\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\n","padding":"double"}

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 solid alternative choices. Policyholders awarded these companies high marks for customer service and claims as well.

Overall rankGroupPercent of respondents overall extremely satisfied with most recent claimPercent of respondents who rated customer service as "excellent"
1USAA78%62%
2Nationwide7853%
3State Farm73%46%
4Allstate72%47%
5Erie67%50%
6Progressive74%34%
7GEICO64%42%
N/ATennessee Farmers MutualN/AN/A
Overall rank takes both claim satisfaction and customer service rankings into account.

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.

InsurerNAIC 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.

{"backgroundColor":"white","content":"\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"ShortcodePullquote--root\"\u003E\n \u003Cp class=\"ShortcodePullquote--text ShortcodePullquote--blue\"\u003E\n \nWe 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. \n\n \u003C\/p\u003E\n\u003C\/div\u003E\u003C\/p\u003E\n\n\u003Cp\u003EThose not eligible for USAA membership should consider Nationwide and State Farm as \u003Cspan\u003E\u003Ca class=\"ShortcodeLink--root ShortcodeLink--black\" title=\"solid alternative choices\" href=\"https:\/\/www.valuepenguin.com\/best-auto-insurance\"\u003Esolid alternative choices\u003C\/a\u003E\u003C\/span\u003E. Policyholders awarded these companies high marks for customer service and claims as well.\u003C\/p\u003E\n\n\u003Cp\u003E\u003Cdiv class=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EOverall rank\u003C\/em\u003E\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGroup\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EPercent of respondents overall extremely satisfied with most recent claim\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EPercent of respondents who rated customer service as \"excellent\"\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUSAA\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E78%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E62%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E2\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENationwide\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E78\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E53%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E3\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E73%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E46%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E4\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E72%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E47%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E5\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EErie\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E67%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E50%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E6\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E74%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E34%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E7\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E64%\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E42%\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee Farmers Mutual\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003Cem\u003EOverall rank takes both claim satisfaction and customer service rankings into account.\u003C\/div\u003E\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=\"row\"\u003E\n \u003Cdiv class=\"js-table-container rel \" \u003E\n \u003Cdiv class=\"table-inner\"\u003E\n \u003Ctable class=\"table auto Table--table \"\u003E\u003Cthead class=\"Table--thead\"\u003E\u003Ctr class=\"Table--tr\"\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EInsurer\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-left Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENAIC Complaint Index (lower is better)\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EJ.D. Power claims satisfaction score (higher is better)\u003C\/th\u003E\u003Cth class=\"Table--th Table--th-align-horizontal-right Table--th-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAM Best Financial Strength Rating\u003C\/th\u003E\u003C\/tr\u003E\u003C\/thead\u003E\u003Ctbody class=\"Table--tbody\"\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EState Farm\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.66\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E881\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ETennessee Farmers Mutual\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.12\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EN\/A\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EProgressive\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.40\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E856\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EAllstate\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.71\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E876\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EErie\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1.10\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E880\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EUSAA\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.68\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E890\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EGEICO\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E1.01\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E871\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA++\u003C\/td\u003E\u003C\/tr\u003E\u003Ctr class=\"Table--tr Table--tr-visible\"\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003ENationwide\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-left Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E0.37\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003E876\u003C\/td\u003E\u003Ctd class=\"Table--td Table--td-align-horizontal-right Table--td-align-vertical-center\" width=\"\" colspan=\"\" rowspan=\"\"\u003EA+\u003C\/td\u003E\u003C\/tr\u003E\u003C\/tbody\u003E\u003C\/table\u003E\n \u003C\/div\u003E\n \u003C\/div\u003E\n \u003Cdiv class=\"table-footnote\"\u003E\u003C\/div\u003E\n\u003C\/div\u003E\n\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.

CityAverage annual costPercent 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%
Mountain Home$1,599-14.7%
Pine Crest$1,604-14.5%
Johnson City$1,604-14.5%
Central$1,604-14.4%
Spurgeon$1,605-14.4%
Watauga$1,607-14.3%
Telford$1,611-14.1%
Elizabethton$1,612-14.0%
Blountville$1,614-13.9%
Jonesborough$1,615-13.9%
Hunter$1,616-13.8%
Bloomingdale$1,618-13.7%
Gray$1,619-13.7%
Unicoi$1,623-13.4%
Kingsport$1,623-13.4%
Oak Grove$1,627-13.2%
Hampton$1,629-13.1%
Erwin$1,635-12.8%
Banner Hill$1,636-12.8%
Flag Pond$1,638-12.7%
Roan Mountain$1,640-12.5%
Milligan College$1,647-12.2%
Butler$1,655-11.7%
Fall Branch$1,658-11.6%
Shady Valley$1,668-11.0%
Mount Carmel$1,673-10.8%
Mountain City$1,675-10.7%
Trade$1,675-10.7%
Laurel Bloomery$1,676-10.6%
Mooresburg$1,679-10.5%
Church Hill$1,683-10.3%
Limestone$1,689-9.9%
Surgoinsville$1,689-9.9%
Rogersville$1,701-9.3%
Bulls Gap$1,704-9.1%
Eidson$1,706-9.0%
Afton$1,708-8.9%
Chuckey$1,716-8.5%
Mohawk$1,735-7.5%
Tusculum$1,740-7.2%
Midway$1,744-7.0%
Athens$1,745-7.0%
Riceville$1,749-6.7%
Englewood$1,751-6.6%
Farner$1,758-6.2%
Etowah$1,758-6.2%
Niota$1,760-6.2%
Conasauga$1,763-6.0%
Greeneville$1,765-5.9%
Mosheim$1,765-5.9%
Reliance$1,767-5.8%
Hopewell$1,768-5.7%
Wildwood Lake$1,769-5.7%
South Cleveland$1,770-5.6%
Old Fort$1,771-5.6%
Russellville$1,771-5.6%
Turtletown$1,772-5.5%
Evensville$1,773-5.4%
Ducktown$1,775-5.4%
Charleston$1,775-5.3%
Lebanon$1,775-5.3%
Whitesburg$1,776-5.3%
Copperhill$1,776-5.3%
Algood$1,776-5.3%
Tellico Village$1,776-5.3%
Cookeville$1,776-5.3%
Rural Hill$1,777-5.2%
Mount Juliet$1,778-5.2%
Loudon$1,778-5.1%
Cleveland$1,779-5.1%
Townsend$1,779-5.1%
Portland$1,779-5.1%
Dayton$1,779-5.1%
Calhoun$1,780-5.1%
Ocoee$1,780-5.1%
Doyle$1,780-5.0%
Benton$1,781-5.0%
Lowland$1,781-5.0%
Watertown$1,782-5.0%
Franklin$1,782-5.0%
Delano$1,782-4.9%
Smartt$1,783-4.9%
Morristown$1,783-4.9%
Moss$1,783-4.9%
Westmoreland$1,783-4.9%
Baxter$1,783-4.9%
Tallassee$1,783-4.9%
Crossville$1,785-4.8%
McDonald$1,785-4.8%
Talbott$1,786-4.8%
Gladeville$1,786-4.8%
Fairfield Glade$1,786-4.8%
Lake Tansi$1,788-4.6%
Monterey$1,789-4.6%
Lafayette$1,789-4.6%
Pleasant Hill$1,789-4.6%
Estill Springs$1,790-4.6%
Red Boiling Springs$1,790-4.5%
East Cleveland$1,790-4.5%
Sweetwater$1,791-4.5%
Buffalo Valley$1,792-4.5%
Spring City$1,794-4.3%
Bethpage$1,795-4.3%
Madisonville$1,795-4.3%
Silver Point$1,795-4.3%
Maryville$1,795-4.2%
Sale Creek$1,796-4.2%
Quebeck$1,796-4.2%
Cottontown$1,797-4.2%
Wildwood$1,798-4.1%
Sewanee$1,798-4.1%
Grandview$1,798-4.1%
Vonore$1,798-4.1%
McMinnville$1,800-4.0%
Philadelphia$1,800-4.0%
Allons$1,800-4.0%
Belvidere$1,800-4.0%
Sparta$1,800-4.0%
Coker Creek$1,800-4.0%
Chestnut Mound$1,801-4.0%
Gallatin$1,802-3.9%
Castalian Springs$1,802-3.9%
Flat Top Mountain$1,802-3.9%
Shelbyville$1,803-3.8%
Greenback$1,804-3.8%
Carthage$1,804-3.8%
Mitchellville$1,805-3.8%
New Market$1,805-3.7%
Sherwood$1,805-3.7%
Winchester$1,805-3.7%
Decherd$1,805-3.7%
Rockford$1,806-3.7%
Lookout Mountain$1,807-3.6%
Hohenwald$1,807-3.6%
Ooltewah$1,807-3.6%
Lewisburg$1,807-3.6%
White Pine$1,807-3.6%
Murfreesboro$1,807-3.6%
Red Bank$1,807-3.6%
Tellico Plains$1,809-3.5%
Mowbray Mountain$1,809-3.5%
Eagleton Village$1,809-3.5%
Riddleton$1,810-3.5%
Apison$1,810-3.5%
Lynchburg$1,810-3.5%
Collegedale$1,810-3.5%
Norene$1,810-3.5%
Fosterville$1,812-3.4%
Tullahoma$1,812-3.4%
Friendsville$1,813-3.3%
Lakesite$1,814-3.2%
Gordonsville$1,814-3.2%
Wartrace$1,815-3.2%
Soddy-Daisy$1,816-3.2%
Hillsboro$1,816-3.2%
Alcoa$1,816-3.1%
Brush Creek$1,816-3.1%
Cowan$1,817-3.1%
Christiana$1,817-3.1%
Walling$1,818-3.1%
Pleasant Shade$1,818-3.0%
Morrison$1,818-3.0%
Dandridge$1,819-3.0%
Huntland$1,819-3.0%
Walland$1,819-3.0%
Thompson's Station$1,819-3.0%
Summertown$1,819-3.0%
Louisville$1,820-2.9%
Milton$1,821-2.9%
Livingston$1,821-2.9%
Hickman$1,821-2.9%
Middle Valley$1,821-2.9%
Dixon Springs$1,821-2.9%
Bakewell$1,822-2.8%
Falling Water$1,822-2.8%
Monroe$1,822-2.8%
Dresden$1,823-2.8%
Gleason$1,823-2.8%
Jefferson City$1,823-2.8%
Smyrna$1,823-2.8%
Unionville$1,823-2.8%
Pikeville$1,823-2.8%
Normandy$1,823-2.8%
South Pittsburg$1,823-2.8%
Bell Buckle$1,824-2.7%
Nolensville$1,824-2.7%
Ethridge$1,824-2.7%
Belfast$1,824-2.7%
New Hope$1,825-2.7%
Lenoir City$1,825-2.7%
Viola$1,825-2.7%
Dunlap$1,825-2.7%
Jasper$1,825-2.6%
Petersburg$1,826-2.6%
Hixson$1,826-2.6%
Kimball$1,826-2.6%
Manchester$1,826-2.6%
Fairview$1,827-2.6%
Mulberry$1,827-2.6%
Signal Mountain$1,827-2.6%
Elmwood$1,827-2.6%
Hartsville$1,828-2.5%
Fairmount$1,828-2.5%
Summitville$1,828-2.5%
Sharon$1,828-2.5%
Celina$1,828-2.5%
Spring Hill$1,828-2.5%
Graysville$1,829-2.5%
Elora$1,829-2.5%
Lupton City$1,829-2.5%
Cornersville$1,829-2.5%
Lynnville$1,829-2.5%
Guild$1,829-2.5%
Hendersonville$1,829-2.5%
Thorn Hill$1,829-2.5%
Nunnelly$1,829-2.4%
Walden$1,829-2.4%
College Grove$1,829-2.4%
Rockvale$1,830-2.4%
Whiteside$1,830-2.4%
Beechgrove$1,831-2.4%
Arnold AFB$1,831-2.4%
Duck River$1,831-2.4%
Kelso$1,831-2.4%
Kenton$1,831-2.4%
Lakewood Park$1,831-2.3%
White House$1,831-2.3%
Readyville$1,831-2.3%
Auburntown$1,831-2.3%
Brentwood$1,831-2.3%
Lascassas$1,832-2.3%
Whitleyville$1,832-2.3%
Lone Oak$1,832-2.3%
Beersheba Springs$1,833-2.2%
Greenfield$1,833-2.2%
Georgetown$1,834-2.2%
Gainesboro$1,834-2.2%
Pulaski$1,834-2.2%
Woodbury$1,834-2.2%
Birchwood$1,835-2.1%
Bloomington Springs$1,836-2.1%
Eagleville$1,837-2.0%
Hilham$1,837-2.0%
Decatur$1,837-2.0%
Arrington$1,837-2.0%
Woodlawn$1,837-2.0%
Whitwell$1,837-2.0%
Sequatchie$1,837-2.0%
Dellrose$1,837-2.0%
Chattanooga$1,838-2.0%
Rock Island$1,839-1.9%
Waverly$1,839-1.9%
Powells Crossroads$1,839-1.9%
Martin$1,840-1.9%
Alpine$1,840-1.9%
Mascot$1,840-1.9%
Granville$1,841-1.8%
Centerville$1,841-1.8%
Campaign$1,841-1.8%
Harrison$1,841-1.8%
Fayetteville$1,841-1.8%
Frankewing$1,842-1.8%
Saint Joseph$1,842-1.8%
Bon Aqua$1,842-1.8%
Columbia$1,842-1.8%
Five Points$1,843-1.7%
New Johnsonville$1,843-1.7%
Park City$1,844-1.7%
Hampshire$1,844-1.7%
Palmersville$1,845-1.6%
Allred$1,845-1.6%
Taft$1,846-1.6%
Leoma$1,846-1.5%
Cross Plains$1,846-1.5%
Palmer$1,846-1.5%
Sneedville$1,846-1.5%
East Ridge$1,847-1.5%
Primm Springs$1,848-1.5%
Monteagle$1,848-1.5%
Goodspring$1,848-1.5%
Lancaster$1,848-1.4%
Dickson$1,849-1.4%
Loretto$1,849-1.4%
Rugby$1,849-1.4%
Lawrenceburg$1,849-1.4%
Williamsport$1,849-1.4%
Milan$1,850-1.4%
Prospect$1,850-1.3%
Westpoint$1,850-1.3%
Culleoka$1,850-1.3%
Minor Hill$1,850-1.3%
Farragut$1,850-1.3%
Obion$1,850-1.3%
Orlinda$1,851-1.3%
Mount Pleasant$1,851-1.3%
Chapel Hill$1,851-1.3%
Altamont$1,851-1.3%
Bradyville$1,853-1.2%
Corryton$1,853-1.2%
Clifton$1,853-1.2%
Springfield$1,853-1.2%
McKenzie$1,854-1.1%
Bon Aqua Junction$1,854-1.1%
Indian Mound$1,855-1.1%
Coalmont$1,855-1.1%
Lyles$1,855-1.1%
Waynesboro$1,855-1.1%
Ten Mile$1,855-1.0%
Alexandria$1,856-1.0%
Flintville$1,856-1.0%
Hurricane Mills$1,857-1.0%
Pelham$1,857-0.9%
Collinwood$1,858-0.9%
Coopertown$1,859-0.9%
Hollow Rock$1,859-0.8%
Bean Station$1,861-0.8%
Rickman$1,861-0.8%
Crab Orchard$1,861-0.7%
Gruetli-Laager$1,862-0.7%
Knoxville$1,862-0.7%
Lancing$1,863-0.6%
Crawford$1,864-0.6%
Henry$1,864-0.6%
Iron City$1,864-0.6%
Rutherford$1,865-0.6%
Huntingdon$1,865-0.5%
Elkton$1,866-0.5%
Bradford$1,866-0.5%
Strawberry Plains$1,866-0.5%
Cypress Inn$1,866-0.5%
Spencer$1,867-0.4%
Powell$1,867-0.4%
Cottage Grove$1,867-0.4%
Lutts$1,868-0.4%
Clarksburg$1,868-0.4%
Cedar Hill$1,869-0.3%
Lobelville$1,869-0.3%
Kyles Ford$1,869-0.3%
Seymour$1,869-0.3%
Union City$1,869-0.3%
Humboldt$1,869-0.3%
Ridgetop$1,870-0.3%
Woodland Mills$1,870-0.3%
Trenton$1,870-0.3%
Deer Lodge$1,870-0.3%
Smithville$1,870-0.2%
Tracy City$1,871-0.2%
Greenbrier$1,871-0.2%
Ardmore$1,871-0.2%
Gatlinburg$1,872-0.2%
Only$1,873-0.1%
Camden$1,873-0.1%
White Bluff$1,874-0.1%
Eaton$1,8750.0%
Santa Fe$1,8760.0%
Paris$1,8760.1%
Mansfield$1,8770.1%
Rives$1,8770.1%
Slayden$1,8780.1%
Bruceton$1,8780.1%
South Fulton$1,8780.1%
Eva$1,8780.2%
Buena Vista$1,8790.2%
Idlewild$1,8790.2%
Big Sandy$1,8790.2%
Como$1,8790.2%
Dyer$1,8790.2%
Savannah$1,8790.2%
Liberty$1,8800.3%
Charlotte$1,8800.3%
Wilder$1,8800.3%
Holladay$1,8810.3%
Ridgeside$1,8820.4%
Adams$1,8830.4%
Burns$1,8830.4%
Trimble$1,8840.5%
Clarksville$1,8840.5%
Cunningham$1,8850.5%
Gadsden$1,8850.5%
Tazewell$1,8850.5%
Vanleer$1,8850.5%
Big Rock$1,8860.6%
Gibson$1,8860.6%
Washburn$1,8870.6%
Heiskell$1,8870.6%
Sunbright$1,8870.7%
Millersville$1,8880.7%
Kingston$1,8880.7%
Palmyra$1,8880.7%
Bybee$1,8880.7%
La Vergne$1,8890.7%
Counce$1,8890.7%
Bumpus Mills$1,8890.8%
Troy$1,8890.8%
Hornbeak$1,8900.8%
Yorkville$1,8900.8%
Stantonville$1,8910.8%
Puryear$1,8910.8%
Rockwood$1,8910.9%
Dukedom$1,8910.9%
Rutledge$1,8920.9%
Trezevant$1,8920.9%
Medina$1,8930.9%
Green Hill$1,8930.9%
Dowelltown$1,8931.0%
Pickwick Dam$1,8951.0%
Michie$1,8951.1%
Powder Springs$1,8951.1%
Adamsville$1,8961.1%
Lenox$1,8961.1%
McLemoresville$1,8961.1%
Linden$1,8971.1%
Crump$1,8981.2%
Buchanan$1,8981.2%
Midtown$1,8991.3%
Selmer$1,8991.3%
Atwood$1,8991.3%
Harriman$1,8991.3%
Eastview$1,9001.3%
Tiptonville$1,9001.3%
Bogota$1,9001.3%
Tigrett$1,9001.3%
Dyersburg$1,9001.3%
Springville$1,9011.4%
Finley$1,9011.4%
Samburg$1,9021.5%
Cumberland Furnace$1,9031.5%
Dover$1,9031.5%
Tennessee Ridge$1,9031.5%
Southside$1,9041.5%
Grimsley$1,9041.5%
Fruitvale$1,9041.5%
Olivehill$1,9051.6%
Clarkrange$1,9051.6%
Blaine$1,9051.6%
Pigeon Forge$1,9051.6%
Newbern$1,9051.6%
Shiloh$1,9061.6%
Alamo$1,9071.7%
Luray$1,9081.7%
Jacks Creek$1,9081.8%
Byrdstown$1,9091.8%
Pall Mall$1,9101.9%
Chapmansboro$1,9101.9%
Lavinia$1,9101.9%
Morris Chapel$1,9111.9%
McEwen$1,9111.9%
Stewart$1,9111.9%
Reagan$1,9111.9%
Oak Ridge$1,9111.9%
Sevierville$1,9122.0%
Maury City$1,9122.0%
Enville$1,9122.0%
Goodlettsville$1,9132.0%
Ridgely$1,9132.0%
Friendship$1,9142.1%
Chewalla$1,9142.1%
Scotts Hill$1,9152.1%
Ashland City$1,9152.1%
Pegram$1,9152.1%
Oakdale$1,9152.1%
Wartburg$1,9152.2%
Coalfield$1,9162.2%
Luttrell$1,9162.2%
Guys$1,9162.2%
Petros$1,9182.3%
Clinton$1,9182.3%
Henderson$1,9192.3%
Sharps Chapel$1,9192.4%
Pleasant View$1,9202.4%
Bells$1,9202.4%
Plainview$1,9212.4%
Wynnburg$1,9212.5%
Yuma$1,9222.5%
Lake City$1,9222.5%
Rocky Top$1,9222.5%
Kingston Springs$1,9222.5%
Westport$1,9222.5%
Lexington$1,9222.5%
Cumberland City$1,9232.6%
Cumberland Gap$1,9242.6%
Jamestown$1,9242.6%
Lone Mountain$1,9242.6%
Cedar Grove$1,9242.6%
Sardis$1,9252.7%
Arthur$1,9262.7%
Kodak$1,9272.7%
Newport$1,9272.8%
Harrogate$1,9282.8%
Erin$1,9282.8%
Allardt$1,9292.9%
Robbins$1,9292.9%
Bath Springs$1,9292.9%
Saltillo$1,9302.9%
Maynardville$1,9323.0%
Halls$1,9323.0%
Shawanee$1,9323.1%
Cosby$1,9343.2%
Norris$1,9343.2%
Milledgeville$1,9353.2%
Belle Meade$1,9363.3%
Darden$1,9363.3%
Andersonville$1,9373.3%
Sugar Tree$1,9373.3%
New Tazewell$1,9383.4%
Finger$1,9403.5%
Hartford$1,9433.6%
Bethel Springs$1,9443.7%
Ramer$1,9463.8%
Huron$1,9494.0%
Decaturville$1,9504.0%
Helenwood$1,9524.1%
Parsons$1,9524.1%
Parrottsville$1,9544.2%
Denmark$1,9554.3%
Pinson$1,9564.3%
Pruden$1,9574.4%
Eagan$1,9574.4%
Speedwell$1,9584.4%
Oakfield$1,9584.4%
Jacksboro$1,9594.5%
Elgin$1,9604.5%
Spring Creek$1,9604.6%
Oliver Springs$1,9614.6%
Wildersville$1,9624.6%
Oak Hill$1,9634.7%
Henning$1,9634.7%
Oneida$1,9654.8%
Brownsville$1,9664.8%
Winfield$1,9664.9%
Huntsville$1,9674.9%
Clairfield$1,9685.0%
Pioneer$1,9725.2%
Jackson$1,9725.2%
Old Hickory$1,9735.2%
Del Rio$1,9735.2%
Crockett Mills$1,9755.3%
Gates$1,9755.3%
Mercer$1,9785.5%
Beech Bluff$1,9805.6%
Briceville$1,9815.6%
Ripley$1,9815.7%
Nashville$1,9835.8%
Medon$1,9865.9%
Stanton$1,9865.9%
Newcomb$1,9875.9%
Berry Hill$1,9926.2%
Forest Hills$2,0006.6%
Caryville$2,0006.7%
Jellico$2,0026.8%
Pocahontas$2,0036.8%
Hornsby$2,0046.9%
Braden$2,0046.9%
Gallaway$2,0056.9%
Duff$2,0056.9%
Lakewood$2,0107.2%
La Grange$2,0107.2%
Laconia$2,0117.3%
Joelton$2,0127.3%
Silerton$2,0137.4%
Somerville$2,0177.6%
LaFollette$2,0187.6%
Whiteville$2,0207.7%
Hermitage$2,0227.9%
Oakland$2,0227.9%
Fincastle$2,0237.9%
Toone$2,0258.0%
Macon$2,0268.1%
Bolivar$2,0278.1%
Middleton$2,0298.2%
Hickory Valley$2,0338.4%
Rossville$2,0459.1%
Antioch$2,0479.1%
Piperton$2,0479.2%
Grand Junction$2,0489.2%
Moscow$2,0499.3%
Whites Creek$2,0519.4%
Williston$2,0519.4%
Madison$2,0559.6%
Mason$2,0609.9%
Saulsbury$2,06210.0%
Covington$2,08711.3%
Munford$2,09311.6%
Collierville$2,09711.8%
Drummonds$2,09912.0%
Arlington$2,11312.7%
Burlison$2,11412.7%
Tipton$2,11913.0%
Eads$2,13213.7%
Atoka$2,13914.1%
Lakeland$2,16115.2%
Brunswick$2,17115.8%
Brighton$2,18316.4%
Germantown$2,18816.7%
Millington$2,20817.8%
Bartlett$2,22718.8%
Cordova$2,24219.6%
Ellendale$2,30422.9%
Memphis$2,39527.7%

Minimum requirements for auto insurance coverage in Tennessee

A minimum liability policy in Tennessee includes the following coverages:

LiabilityMinimum 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.

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

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 typeStudy 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.