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Among Tennessee's most affordable car insurance providers are Mile Auto, State Farm, and USAA.
Full-coverage car insurance in Tennessee averages $130 per month. The national average sits at $186. What you'll actually pay hinges on a handful of factors, including your age, driving history, and where you are in the state. Getting quotes from several insurers is the best way to see how companies stack up to each other and zero in on the best rates for the coverage you're looking for.
Below, we break down Tennessee's cheapest car insurance options by coverage type, driver profile, and insurer.
Affordable full-coverage car insurance in Tennessee
Tennessee drivers pay an average of $130 monthly for full-coverage insurance, in contrast to $186 nationally. Mile Auto, State Farm, USAA, and Auto-Owners rank among the cheapest car insurance providers in Tennessee.
| Average monthly full coverage cost | |
| Tennessee average | $130 |
| National average | $186 |
| Mile Auto | $74 |
| State Farm | $87 |
| USAA | $103 |
| Auto-Owners | $119 |
Affordable liability-only car insurance in Tennessee
For Tennessee drivers seeking the most affordable liability car insurance providers, Mile Auto, State Farm, and USAA offer competitive options. This time, Progressive does, too.
Liability-only coverage in Tennessee averages $66 per month. For comparison, the nationwide average is $104.
| Average monthly liability-only cost | |
| Tennessee average | $66 |
| National average | $104 |
| Mile Auto | $42 |
| State Farm | $48 |
| USAA | $56 |
| Progressive | $50 |
Cheap car insurance in Tennessee by age
Age plays a major role in determining insurance costs. Car insurance for teens commands the highest premiums, averaging $266 per month in Tennessee, due to the minimal driving experience of teens.
Drivers in their 20s see rates drop to an average of $181 per month. The trend continues for those in their 30s and 40s, averaging $142 and $132 monthly, respectively.
Premiums can climb again for drivers entering their 60s and beyond. Tennessee seniors typically pay $108 per month in their 60s, and $114 in their 70s.
Rates vary by age due to the differing risk profiles of distinct age groups. Older drivers may face higher rates, often due to health concerns and driving patterns. And again, younger drivers tend to pay the most.
| Age group | Average monthly full coverage cost | Average monthly liability-only cost |
| Teens | $266 | $135 |
| 20s | $181 | $92 |
| 30s | $142 | $72 |
| 40s | $132 | $67 |
| 50s | $117 | $59 |
| 60s | $108 | $55 |
| 70s | $114 | $58 |
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Cheap car insurance in Tennessee for high-risk drivers
Drivers with moving violations or accidents typically face steeper insurance premiums. Here are Tennessee's average costs for drivers with an accident, speeding ticket, or DUI, based on car insurance rates for those with a poor driving record.
| Violation | Average monthly full coverage cost | Average monthly liability-only cost |
| Accident | $176 | $89 |
| Speeding ticket | $171 | $86 |
| DUI | $175 | $89 |
Compare low-cost car insurance after an accident
Tennessee drivers with an accident on their record can find cost-effective coverage through State Farm, Mile Auto, and USAA. Full-coverage premiums for drivers with an accident average $176 per month.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| State Farm | $114 | $63 |
| Mile Auto | $100 | $56 |
| USAA | $137 | $75 |
Average rate:
Compare low-cost car insurance after a speeding ticket
Tennessee drivers with a speeding ticket can secure affordable rates from Mile Auto, State Farm, and USAA. Full coverage averages $171 per month for drivers with a speeding ticket.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Mile Auto | $92 | $52 |
| State Farm | $111 | $61 |
| USAA | $133 | $73 |
Compare low-cost car insurance after DUI conviction
Tennessee drivers with a DUI can locate budget-friendly full coverage through Mile Auto, State Farm, and USAA. The average full coverage rate for drivers with a DUI is $175.
| Company | Average monthly full coverage cost | Average monthly liability-only cost |
| Mile Auto | $104 | $58 |
| State Farm | $122 | $67 |
| USAA | $144 | $79 |
Cheap car insurance in Tennessee by credit score
Tennessee drivers with excellent credit pay an average of $112 per month for full coverage. Drivers with poor credit face higher premiums, with their rates averaging $162 monthly.
This rate variation stems from how credit scores influence insurance pricing. Poor credit typically leads to higher premiums because of the perceived risk of nonpayment.
| Credit score | Average monthly cost of full coverage | Average monthly cost of liability-only |
| Excellent | $112 | $57 |
| Good | $127 | $64 |
| Average | $134 | $68 |
| Poor | $162 | $82 |
FAQs
What is the minimum car insurance required in Tennessee?
Tennessee law requires all drivers to carry liability insurance with minimum limits of 25/50/25, meaning $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $25,000 for property damage per accident. All of these averages are standard for many U.S. states. Tennessee increased its property damage liability requirement from $15,000 to $25,000 in 2023.
Tennessee operates as an at-fault state, so the driver responsible for an accident must pay for resulting damages. While these minimums satisfy legal requirements, many Tennessee drivers opt for higher coverage amounts to better protect themselves financially in the event of a serious crash.
How does severe weather in Tennessee affect car insurance costs?
Tennessee experiences an average of 31 tornadoes annually, according to the National Weather Service, along with frequent severe storms that cause significant property damage throughout the state. Without comprehensive coverage, drivers receive no compensation for weather-related damage to their vehicles.
Does Tennessee require uninsured motorist coverage?
Tennessee does not legally require uninsured motorist coverage. If an uninsured driver causes an accident and you don't have this coverage, you could face significant out-of-pocket expenses, since recovering damages through legal action is often unsuccessful.
Bottom line
These companies may be Tennessee's most affordable options, but choosing one of these doesn't guarantee the lowest rates for your specific situation. We always recommend obtaining quotes from at least a few insurers and comparing your options based on price, coverage, and company ratings.
Data throughout provided by Insurify.
Average rate:
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