Tennessee Car Insurance Quotes & Average Rates
Full coverage car insurance in Tennessee is estimated at $1,900 a year, or $158 a month, for a 35-year-old driver with a clean record. A state-minimum liability policy comes in near $575 a year. Tennessee is an at-fault state, and drivers must carry 25/50/25 liability limits. Below you will find estimated rates for 43 Tennessee cities, a breakdown by age and driving record, and the coverage the state actually requires.
Car insurance calculator — Tennessee
Estimated from state average premiums and your rating factors. Not a quote.
We may be paid a referral fee when you request quotes through partner links on this page. It never changes what you pay. Estimates are modelled, not quoted — see our methodology.
Cheapest car insurance companies in Tennessee
| Insurer | Est. annual | Est. monthly | vs. average | Notes |
|---|---|---|---|---|
| USAA | $1,444 | $120 | -24% | Military members and families only |
| Geico | $1,558 | $130 | -18% | Usually cheapest for clean records |
| State Farm | $1,672 | $139 | -12% | Strong for young and student drivers |
| Progressive | $1,805 | $150 | -5% | Competitive after a ticket or accident |
| Travelers | $1,843 | $154 | -3% | Good multi-policy discounts |
| Nationwide | $1,900 | $158 | 0% | Mid-market, wide availability |
| Allstate | $2,166 | $181 | +14% | Higher base rate, heavy discount stacking |
| Farmers | $2,299 | $192 | +21% | Agent-led, priced above market |
Modelled estimates for a 35-year-old with a clean record and full coverage in Tennessee. USAA tends to sit lowest, but the ranking flips constantly by ZIP and driver profile — which is exactly why quoting three carriers is worth the ten minutes.
Tennessee car insurance rates by age
| Driver age | Full coverage / yr | Minimum / yr | Full coverage / mo |
|---|---|---|---|
| 16 years old | $5,133 | $1,554 | $428 |
| 18 years old | $4,330 | $1,311 | $361 |
| 20 years old | $3,585 | $1,085 | $299 |
| 22 years old | $2,978 | $901 | $248 |
| 25 years old | $2,273 | $688 | $189 |
| 30 years old | $1,959 | $593 | $163 |
| 40 years old | $1,842 | $557 | $153 |
| 50 years old | $1,763 | $534 | $147 |
| 60 years old | $1,744 | $528 | $145 |
| 65 years old | $1,822 | $552 | $152 |
| 70 years old | $1,998 | $605 | $167 |
| 75 years old | $2,331 | $706 | $194 |
Estimated premiums by age in Tennessee, clean record, sedan.
How violations change your Tennessee premium
| Driving record | Est. annual | Increase |
|---|---|---|
| Clean record | $1,900 | — |
| 1 speeding ticket | $2,337 | +23% |
| 1 at-fault accident | $2,793 | +47% |
| DUI / DWI | $3,592 | +89% |
What a violation costs a 35-year-old in Tennessee. Surcharges normally stay on the policy for three to five years.
A DUI in Tennessee usually also triggers an SR-22 filing requirement, which most standard carriers will not write.
Tennessee minimum insurance requirements
| Required coverage in Tennessee | Minimum limit |
|---|---|
| Bodily injury liability, per person | $25,000 |
| Bodily injury liability, per accident | $50,000 |
| Property damage liability | $25,000 |
| Insurance system | At-fault (tort) |
Limits are set by statute and change from time to time. Confirm the current figures with the Tennessee Department of Insurance before you buy.
Coverage levels in Tennessee
| Coverage level | Est. annual | Est. monthly |
|---|---|---|
| State minimum liability | $575 | $48 |
| Full coverage (100/300/100 + comp & collision) | $1,900 | $158 |
| Full coverage, high limits + low deductible | $2,261 | $188 |
Coverage level comparison for Tennessee.
Car insurance rates in Tennessee cities
Estimated annual full-coverage premium for a 35-year-old with a clean record, across the 43 Tennessee cities we price.