Average Cost of Car Insurance in Tennessee for 2025

From Graceland to the Great Smoky Mountains, Tennessee has some iconic landmarks and attractions, so it's easy to see why it's one of the fastest growing states.

Tennessee has a relatively low cost of living, which is also reflected in its auto coverage rates. The average cost of full coverage car insurance is $136 per month, compared to the national average of $193.

Continue reading to learn about typical car insurance rates in the Volunteer State and what you can do to save money on your policy.

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Key takeaways

The average cost of car insurance in Tennessee is$136 per month for full coverage policies.
State-minimum coverage averages $66 per month.
On average, teen drivers pay $280 per month for car insurance.

How much does car insurance cost in Tennessee?

Car insurance is typically cheaper in Tennessee than it is in other states. The average cost of full coverage policies — which include collision, comprehensive, and liability insurance — is $136 per month, compared to the national average of $193. State-minimum liability policies in the state average just $66 per month.

Avg. monthly cost for full coverage	Avg. monthly cost for minimum coverage
$136	$66

Avg. monthly full coverage premium for teens	Avg. monthly full coverage premium for seniors (60s)	Avg. monthly full coverage premium for high-risk drivers
$280	$110	$160

Average cost of car insurance in Tennessee by provider

Car insurance is sold by several different companies in Tennessee, ranging from national corporations to smaller insurers.

Provider	Full coverage monthly	Minimum liability coverage monthly
Allstate	$131	$78
GEICO	$99	$66
Nationwide	$174	$104
Progressive	$110	$51
State Farm	$71	$42
USAA	$85	$50
Erie	$105	$62

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How does credit score affect car insurance rates in Tennessee?

Tennessee's laws allow insurers to consider drivers' credit scores when underwriting auto policies. Although other factors are considered, a strong credit score can help you save money on car insurance.

We found that drivers with poor credit — meaning those with scores below 650 — pay hundreds more for car insurance than those with excellent credit.

Credit health	Avg. monthly premium
Poor (550-649)	$170
Average (650-699)	$140
Good (700-749)	$133
Excellent (750+)	$118

Average car insurance rates for high-risk drivers in Tennessee

Driving infractions can significantly affect your premiums.

Violation	Avg. monthly full coverage premium
At-fault accident	$178
DUI	$169
Speeding ticket	$173

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How does age affect car insurance rates in Tennessee?

Young drivers typically pay more for car insurance than other drivers, and that's certainly true in Tennessee. On average, 18-year-olds pay $280 per month for full coverage.

Generally, premiums decline as you age, with drivers in their 60s averaging just $110 per month.

Age	Avg. monthly premium
Teens	$280
20s	$190
30s	$148
40s	$138
60s	$110

Tennessee car insurance rates by city

Cities with high crime rates tend to have higher average premiums since residents are more likely to be involved in accidents or submit vandalism-related claims.

According to NeighborhoodScout, Memphis is one of the most dangerous cities in the country.

City	Avg. monthly full coverage premium
Memphis	$195
Nashville	$154
Franklin	$130
Clarksville	$142
Knoxville	$131

TN's minimum car insurance requirements

In Tennessee, drivers must meet the following insurance minimums:

$25,000 in bodily injury protection for one person
$50,000 in bodily injury protection for two or more people
$25,000 in property damage insurance

However, you should know that Tennessee has a high percentage of uninsured drivers. According to the Insurance Research Council, 23.7% of drivers in the state are uninsured, the third-highest rate in the country.

To adequately protect yourself and your vehicle, it may be a good idea to purchase uninsured or underinsured motorist protection, as well as comprehensive or collision insurance.

How to save money on car insurance in Tennessee

To save money on your car insurance in Tennessee, use these tips:

Sign up for pay-per-mile coverage: Pay-per-mile policies can be significantly cheaper than traditional car insurance because it's based on your mileage and driving habits. Drivers in Tennessee can take advantage of pay-per-mile coverage offered by companies like MileAuto, Progressive, and Nationwide.
Ask about discounts: Contact your agent and ask about available discount programs. Discounts vary by insurer, but you may qualify for a reduction based on your safe driving history, grade point average, or by signing up for paperless billing.
Get quotes from other companies: If you haven't shopped around for car insurance in a while — or if it's your first time purchasing insurance on your own — request multiple quotes from the best car insurance companies. You'll find that rates vary between companies, so you may save by choosing a different insurer.

Methodology

Our analysis was conducted using six different auto insurance marketplaces to determine the average cost of auto insurance in each state. The data we analyzed included coverage premiums from up to 10 different insurance providers. We looked at rates by city, driver profile, and credit score, as well as factored in the impact of driving violations. This data is for comparative purposes only. Your actual quote may be different.