Cheapest Car Insurance in Tennessee (Best Rates in 2026)
Travelers has the cheapest rates for full coverage car insurance in Tennessee, at $140 per month. Auto-Owners and Erie have the best... Read More
Car Insurance Near Me
Finding car insurance near you makes it easier to compare rates and coverage options in your area. Comparing quotes from car insurance companies near you can help you find the best policy because prices and availability vary depending on where you live.
Find Cheap Car Insurance Quotes in Your Area
Your location is one of the biggest factors affecting car insurance rates. Your rates are largely influenced by where you live within a state and city, local driving patterns and your state's insurance requirements. Plus, where you live determines what insurance companies are available to you. Comparing quotes from multiple companies in your area is the fastest way to find the best rate.
Best car insurance near me
Travelers is the best car insurance company in 12 states, the most of any company we reviewed.
That's because Travelers has affordable rates and good service. And since it's a national company, many people are able to buy insurance from Travelers.
However, the best car insurance near you may be different. For example, Erie and Farm Bureau also offer excellent customer service and affordable rates in the states where they sell insurance.
Best car insurance companies by state
Find Cheap Car Insurance Quotes in Your Area
- The best car insurance near you also depends on factors like your driving history and age, since these factors affect how much you'll pay for insurance.
- Local factors like the cost of car repairs, the rate of car crashes and thefts in the area, and weather patterns also affect your rates.
- It's important to compare quotes from at least three companies in your area to find the best company for you.
Best car insurance companies by state
USAA has the best customer service in many states, along with very affordable rates. But only military members, veterans and some of their family members can get car insurance from USAA.
Car insurance rates near me
Where you live can have a big impact on your car insurance rates. Among other things, insurance companies look at how expensive it is to fix cars in your area and how often crashes happen when they come up with the rate for your policy.
For example, drivers in Wyoming pay $131 per month for full coverage auto insurance, on average. People living in Michigan pay twice as much for the same coverage, at an average of $260 per month.
It's important to compare rates from a handful of companies near you to find the best price for car insurance.
Cheap monthly car insurance rates near me
Compare rates in your state
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Frequently asked questions
Who normally has the cheapest car insurance?
Travelers usually has the cheapest rates among national car insurance companies. However, it might not be the cheapest option near you, especially if you have access to smaller regional companies like Erie, Farm Bureau or Auto-Owners.
Is it better to use a local insurance agent?
This depends on how you prefer to connect with your insurance company. If you like speaking with someone in person or on the phone, then a local agent is the best choice for you. However, if you would rather manage your insurance with an app and prefer virtual chat to phone calls, you may not need a local agent.
Should I pick a small or big insurance company?
As you shop for insurance, get quotes from national companies and regional companies that are available in your area. It's a good idea to get quotes from at least three companies. That lets you compare rates, coverage and customer service to find the best option for you.
Methodology
To find rates by state, ValuePenguin compared quotes from the top insurance companies in each state. Rates are for a 30-year-old man with good credit and a clean driving record who owns a 2018 Honda Civic EX.
Minimum coverage rates are for only each state's required limits and coverages. Full coverage limits are greater than the state minimum requirement and also include comprehensive coverage, collision coverage and uninsured/underinsured motorist bodily injury coverage.
- Bodily injury liability: $50,000 per person and $100,000 per accident
- Property damage liability: $25,000 per accident
- Uninsured/underinsured motorist bodily injury liability: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
- Personal injury protection: Minimum when required by state
The best car insurance companies offered quotes in at least five states. ValuePenguin editors rated insurance companies based on J.D. Power customer satisfaction survey scores, data from the National Association of Insurance Commissioners (NAIC) complaint index, coverage availability and the overall value provided to customers.
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.
About the Author
Cate Deventer
Senior Writer
Licensed Insurance Agent
Cate Deventer is a Senior Writer who specializes in health insurance, Medicare, auto and home insurance. She's been a licensed insurance agent since 2011.
She started her insurance career working as a customer service agent for State Farm. She later moved to an independent agency, where she worked with several insurance companies and hundreds of clients. She quoted policies, filed claims and answered insurance questions. In 2021, she pivoted her career and began writing about insurance for Bankrate. She moved to ValuePenguin in 2023 and began writing about health insurance and Medicare.
Cate has a passion for helping readers choose insurance to fit their needs. She enjoys knowing that her research and knowledge help people choose insurance products that make a positive difference in their lives.
How insurance helped Cate
Cate used her health insurance knowledge to navigate a surgery in 2023. Understanding how her policy worked let her focus on recovery instead of worrying about bills.
Expertise
- Health insurance
- Medicare & Medicaid
- Auto insurance
- Home insurance
- Life insurance
Credentials
- Licensed Life, Accident & Health Insurance Agent
- Licensed Property & Casualty Insurance Agent
Referenced by
- CBS
- NBC
- Wall Street Journal
Education
- BA, Theatre, Purdue University
- BA, English, Indiana University
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