Best Cheap Car Insurance In Tennessee 2023 (2024)

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Finding Cheap Car Insurance in Tennessee

Finding a good price for Tennessee car insurance shouldn’t be a lot of leg work. We evaluated 13 car insurance companies in Tennessee to help you find the best rates.

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Cheap Tennessee car insurance for good drivers

One way to save on car insurance is to drive safely and not get tickets or cause accidents. Good drivers enjoy the lowest car insurance rates.

State Farm has the cheapest rates for good drivers in Tennessee, among the companies we analyzed. USAA and Geico, two of the best car insurance companies, also charge good drivers in Tennessee under $1,000 on average among companies evaluated. Those are all options if you’re a good driver and looking for cheap car insurance, but USAA only accepts veterans, military members and their families.

Cheapest companiesAverage annual cost in Tennessee
State Farm$825
State Average$1,323

Cheap car insurance in Tennessee for drivers with a speeding ticket

A good driver who gets a speeding ticket will likely pay higher car insurance rates at renewal time. Tennessee drivers with a recent speeding ticket pay an average of 22% more for car insurance than good drivers.

Even with a speeding ticket on your record, you can potentially save money by shopping around for the cheapest rates.

State Farm is the only Tennessee car insurer with average rates of less than $1,000 for drivers with a recent speeding ticket, based on companies in our analysis. USAA is another low-cost option, but the USAA offers auto insurance only to veterans, military members and their families.

Cheapest companiesAverage annual cost in Tennessee
State Farm$950
State Average$1,618

Cheap Tennessee car insurance for drivers who caused an accident with injury

Tennessee drivers who cause an accident with an injury pay nearly $600 more on average than good drivers, or 45% more annually. But insurance companies don’t hike rates by the same amount, so you can still save by shopping around for coverage.

State Farm has the cheapest car insurance rates in Tennessee for drivers who have caused a car accident. among the companies we analyzed.

Cheapest companiesAverage annual cost in Tennessee
State Farm$1,025
Tennessee Farmers$1,354
Grange Mutual$1,535
State Average$1,914

Cheap Tennessee car insurance for drivers with a DUI

A DUI doesn’t just cost you in terms of fines, court fees and potential license suspension and possible jail time. It can also cause your Tennessee car insurance rates to skyrocket. A DUI increases rates by nearly $900 on average for the state’s drivers.

State Farm comes out as the cheapest option for Tennessee drivers with a DUI, in our analysis.

Cheapest companiesAverage annual cost in Tennessee
State Farm$950
State Average$2,205

Cheap Tennessee car insurance for drivers with poor credit

Tennessee drivers with poor credit fork over double what other drivers pay in the Volunteer State. Car insurance companies correlate poor credit with a higher risk of claims, so they charge higher car insurance rates in Tennessee.

Geico, Tennessee Farmers, Grange Mutual and Nationwide are all potentially lower-cost options if you have poor credit.

Cheapest companiesAverage cost per year in Tennessee
Tennessee Farmers$1,564
Grange Mutual$1,592
State Average$2,645

Cheap Tennessee car insurance for adding a teen driver

Safe driving is a great way to keep your rates low, but you can’t avoid a major rate hike if you add a teen to your Tennessee auto insurance.

In Tennessee, the average parents’ rate skyrockets by over $1,800 simply by adding a teen, which is an average 147% premium increase. All of the insurance companies we analyzed more than double the average parents’ rates when they add a teen, except for Nationwide, so that’s a good place to start looking for the best cheap car insurance for teens, if you’re putting a teen on your policy.

Cheapest companiesParents onlyParents plus teen driverAverage % increase for adding teen in Tennessee
Tennessee Farmers$808$2,175169%
State Average$1,246$3,086147%

Cheap Tennessee car insurance for young drivers ages 18 to 25

Young drivers will pay more for car insurance than their parents (assuming the parents have a good driving record), largely due to the difference in driving experience. Inexperienced drivers are more likely to get into accidents, so car insurance companies charge them higher rates.

Geico has the best rates for young drivers in Tennessee in our analysis, followed by USAA and State Farm. Those are good places to start if you’re a young driver, but remember that USAA provides auto insurance only to veterans, military members and their families.

Cheapest companiesAverage annual cost in Tennessee
State Farm$1,585
Grange Mutual$2,090
State Average$2,298

Cheap Tennessee car insurance for senior drivers age 65+

Senior drivers may find car insurance taking up a bigger portion of their budget as they age. State Farm has the cheapest car insurance for senior drivers in Tennessee. USAA (if you qualify) and Geico are also likely among the more affordable options and also two of the best car insurance companies for seniors.

If you don’t drive much and are willing to have your driving monitored, you might consider usage-based car insurance. It’s an option offered by some insurance companies that can earn you a discount if you score well by using safe driving habits.

Cheapest companiesAverage cost per year in Tennessee
State Farm$905
Tennessee Farmers$1,223
State Average$1,407

Required Tennessee Car Insurance Discounts

Tennessee car insurance companies must offer these two types of car insurance discounts at a minimum.

Older adult discount

Insurance companies must have a discount for drivers age 55 and over who complete an approved accident prevention course that includes eight hours of classroom instruction. The discount is good for three years and is renewable.

Motorcycle discount

Tennessee insurers must provide a 10% discount for motorcycle liability insurance for riders who complete a state-approved rider training course. The motorcycle insurance discount is good for three years.

Least Expensive Vehicles for Insurance in Tennessee

Your vehicle is factored into your auto insurance costs. In Tennessee, the Honda CR-V LX, Jeep Wrangler JL Sport and Subaru Forester 2.5i are among the most affordable options for insurance, based on average rates for 50 top-selling 2021 models. The 20 least expensive are below.

The most expensive cars for insurance in Tennessee among popular models are the Tesla Model S Performance ($3,260 per year) and Tesla Model 3 Standard Plus ($1,776 per year).

VehicleAverage annual premium in Tennessee
Honda CR-V LX$1,102
Jeep Wrangler JL Sport$1,108
Subaru Forester 2.5i$1,122
Subaru Crosstrek$1,126
Ford Escape S$1,155
Ford F-150 XL$1,162
Volkswagen Tiguan SE$1,168
Hyundai Tucson SE$1,168
Dodge Grand Caravan SE$1,171
Chevrolet Equinox L$1,174
Jeep Compass Latitude$1,177
Ford Edge SE$1,196
Chevrolet Trax LS$1,200
Mazda CX-5 Grand Touring$1,202
Subaru Outback 2.4i Limited XT$1,202
Kia Sportage EX$1,202
Toyota Tacoma SR$1,208
Toyota RAV4 LE$1,209
Honda Pilot SE$1,211
Chevrolet Traverse LS$1,221

Required Minimum Tennessee Car Insurance

Tennessee requires car owners to buy liability car insurance. This core coverage type pays for injuries and damages you cause to othersin a car accident. It also pays for a legal defense if you’re sued. But it does not pay for your own vehicle damage or your injuries.

You must buy liability insurance coverage with at least:

  • $25,000 for bodily injury to one person
  • $50,000 for bodily injury to multiple people in one accident
  • $15,000 for damage to property in one accident

This is written as 25/50/15.

Tennessee’s minimum requirements can be insufficient. If you have assets, like a house or savings, the state minimum won’t be enough. If you cause an accident with injuries and property damage, the bills could quickly exhaust your insurance coverage and you could be responsible for the rest.

What Other Types of Car Insurance Should I Have in Tennessee?

Collision and comprehensive insurance.Liability insurance covers a lot of problems, but it doesn’t cover damage to your own car. If someone crashes into you, you could sue them for damages, or use your own collision insurance to cover car repair. Collision is also good for your own mishaps, like backing into a pole or hitting a guardrail.

Comprehensive insurance covers problems like car theft, vandalism, floods, hail, fire, falling objects, riots and colliding with animals, like birds and deer.

If you have a loan or lease, you are typically required to carry collision and comprehensive coverage.

Uninsured & underinsured motorist coverage. What happens if you get into an accident with someone who doesn’t have car insurance to cover your medical expenses? Uninsured and underinsured motorist coverage(UM and UIM)kick in.

Insurance companies in Tennessee must offer you UM and UIM, but you can reject it. But generally, these are good coverages to have. Uninsured motorist(UM) pays medical bills when someone without insurance crashes into you and underinsured motorist(UIM) pays when the driver has some insurance but it runs out.

So UM and UIM pay medical bills. What about your car damage? You can also purchase uninsured motorist property damage (UMPD), or reject it in writing. UMPD pays for property damage when an uninsured driver crashes into your car or property (like your fence or garage).

Medical payments (MedPay).This coverage pays for medical expenses for car accidents, no matter who is at fault. It typically covers expenses like hospital bills, copays and deductibles for you and your passengers. But it’s usually in low amounts such as $1,000 or $5,000.

Summary: Required Car Insurance in Tennessee

Coverage typeRequired minimum in Tennessee

Liability insurance

• $25,000 per person for bodily injury liability

• $50,000 per accident for bodily injury liability

• $15,000 for property damage

Medical Payments

Not required

Uninsured & underinsured motorist coverage

• $25,000 per person

• $50,000 per accident

Collision coverage

Not required

Comprehensive coverage

Not required

Can I Show My Insurance ID Card from My Phone in Tennessee?

You can use your phone to show an auto insurance ID card in Tennessee. Check to see if your auto insurance company has a mobile app that gives you easy access to an electronic ID card.

Factors Allowed in Tennessee Car Insurance Rates

Car insurance companies will often use your driving record, past claims, vehicle model and more when setting a rate. In Tennessee, insurers can also use these factors.

FactorAllowed in Tennessee?





Education & occupation




Marital status


ZIP code


Source: American Property Casualty Insurance Association. Other factors will be used to calculate your rates, including driving record and the amount of coverage you want.

How Many Uninsured Drivers are in Tennessee?

About 24% of Tennessee drivers have no insurance, according to the Insurance Research Council. That puts Tennessee near the top of the list for uninsured drivers, behind Florida, Mississippi, New Mexico and Michigan.

Penalties for Driving Without Auto Insurance in Tennessee

If you’re caught driving without insurance in Tennessee, you can be fined, have your driving privileges revoked and have your vehicle registration suspended.

When Can a Vehicle Be Totaled in Tennessee?

In Tennessee, an insurance company can decide a car is “totaled” when the damage exceeds 75% of its fair market value.

Solving Insurance Problems in Tennessee

The Tennessee Department of Commerce & Insurance is in charge of monitoring insurance companies in the state and approving their rates. If you have an unresolved problem, the department staff may be able to help, or you can file a complaint.


To find the cheapest auto insurance companies in Tennessee, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a female driver with a clean record insuring a Toyota RAV4 with $100,000 in bodily injury liability coverage per person, $300,000 per accident and $100,000 in property damage liability, uninsured motorist coverage and any other coverage required in the state. The rate also includes collision and comprehensive with a $500 deductible.

The companies evaluated for Tennessee were Allstate, Auto-Owners, Erie, Farmers, Geico, Grange Mutual, Nationwide, Progressive, State Farm, Tennessee Farmers, Travelers, USAA and Westfield.

Best Cheap Car Insurance In Tennessee 2023 (2024)


What car insurance company is usually the cheapest? ›

The 10 cheapest car insurance companies
  • State Farm and Geico are the cheapest major car insurance companies in the country.
  • Auto-Owners and Erie have the cheapest car insurance quotes among local companies, with rates less than $40 per month.
Feb 17, 2023

What are 10 easy ways to get cheap car insurance? ›

How to get cheap car insurance
  • Compare car insurance quotes. ...
  • Bundle your policies. ...
  • Raise your deductible. ...
  • Make sure you get all of the available discounts. ...
  • Compare insurance rates when you're car shopping. ...
  • Avoid tickets and accidents. ...
  • Drop coverage you don't need.
Feb 1, 2023

Which type of car insurance is best? ›

Comprehensive Car Insurance Policy

This type of insurance policy provides complete protection. It covers both third-party liabilities as well as damages to your vehicle. Also, with a comprehensive cover, you can get compensation if the accident results in your death; the family members will receive the benefit.

How do I get cheap car insurance quotes? ›

How to get a car insurance quote
  1. Set a budget. The first thing most customers look at when comparing quotes is price. ...
  2. Consider your coverage. Knowing what coverage you need ahead of time can help you in your search for car insurance. ...
  3. Research insurer reputation. ...
  4. Choose how to get your quotes.
4 days ago

Which is cheaper Geico or Progressive? ›

Is Progressive Cheaper Than Geico? Both Geico and Progressive offer cheap car insurance to drivers across the country. Geico's rates are typically lower overall, but Progressive tends to offer better prices to those with a recent DUI, at-fault accident or speeding ticket on their driving record.

Who is cheaper Geico or Liberty Mutual? ›

A policy from Liberty Mutual costs 30% more than one from Geico, on average. In fact, Liberty Mutual is more expensive than many major insurers — a minimum-coverage policy costs 20% more than the national average.

What are two things that can lower your car insurance? ›

Here are some ways to save on car insurance1
  • Increase your deductible.
  • Check for discounts you qualify for.
  • Compare auto insurance quotes.
  • Maintain a good driving record.
  • Participate in a safe driving program.
  • Take a defensive driving course.
  • Explore payment options.
  • Improve your credit score.

What are 3 Factors that lower your cost for car insurance? ›

Some factors that may affect your auto insurance premiums are your car, your driving habits, demographic factors and the coverages, limits and deductibles you choose. These factors may include things such as your age, anti-theft features in your car and your driving record.

Does credit score affect car insurance? ›

A higher credit score decreases your car insurance rate, often significantly, with almost every insurance company and in most states. Getting a quote, however, does not affect your credit.

What is the most basic car insurance called? ›

Basic car insurance is often known as liability insurance. Requirements vary by state, but basic auto insurance can be broken down into two main types of liability insurance: personal injury and property damage.

What are 3 types of insurances you should buy when owning a car? ›

Types of Car Insurance Coverages
  • Liability coverage. Protects you if you cause damage to others and/or their stuff. ...
  • Collision coverage. Covers your car if you hit another car, person or non-moving object (like those darn ornamental rocks cousin Todd has at the end of his driveway). # ...
  • Comprehensive coverage.

What is the most common car insurance? ›

A Third-party car insurance is one of the most common types of car insurance; in which only damages & losses caused to a third-party person, vehicle or property are covered.

Is Geico really the cheapest? ›

Geico has the cheapest car insurance for most drivers in California. The company charges $31 per month on average for a minimum liability policy.

What is the cheapest insurance group? ›

What are car insurance groups? Every car belongs to one of 50 car insurance groups, which are used by insurers to help set the premium you pay. Cars in group one are the cheapest to insure, while those in group 50 are the most expensive – and the more powerful and luxurious your car, the higher the group it will be in.

Why is Geico so cheap? ›

Geico is so cheap because it sells insurance directly to consumers and offers a lot of discounts. Direct-to-consumer insurance sales eliminate the cost of middlemen and allow Geico to have significantly fewer local offices and agents than companies like State Farm and Allstate.

Who is cheaper than State Farm? ›

Geico and Progressive are better than State Farm, based on factors like average premiums, number of discounts available, and customer service record. Geico is also one of five top-10 car insurance companies that are cheaper on average than State Farm, along with Travelers, USAA and Progressive.

Is Allstate cheaper than Geico? ›

On average, GEICO offers more affordable rates than Allstate for drivers with credit scores of less than 580. Drivers with outstanding credit — a score of 800 or better — should consider GEICO, which typically beats Allstate by $679 per year. View common insurance rates by credit level for Allstate and GEICO below.

What is cheaper then Progressive? ›

Compared to Progressive, Geico is the more affordable insurer for most types of drivers. For those seeking minimum coverage car insurance, the costs are nearly the same.

Which is best Progressive or Geico? ›

Geico beats Progressive in terms of cost and discounts offered, though the two companies are fairly evenly matched when it comes to the types of insurance available and customer reviews. The average cost of a Geico policy in California is $66 per month, while the average cost of a Progressive policy is $86 per month.

Is Geico hard to deal with? ›

This insurer also generally has very professional adjusters, many of which are easy to like. But here is the truth: GEICO is a very difficult insurer to deal with in accident claims, particularly before a lawsuit is filed.
GEICO Settlement Offers and Maximizing Your Accident Payoff.
First OfferAmount of Medical Bills
26 more rows

What insurance is better than Liberty Mutual? ›

State Farm, Geico, and Progressive are better than Liberty Mutual, based on factors like average premiums, number of discounts available, and customer service record. Geico is also one of four top-10 car insurance companies that are cheaper than Liberty Mutual, on average, along with Travelers, USAA and Progressive.

How can I save more on my car insurance? ›

  1. Shop around for your car insurance.
  2. Compare insurance costs before you buy a car.
  3. Raise your deductible.
  4. Reduce optional insurance on your older car.
  5. Bundle your insurance and/or stick with the same company.
  6. Maintain a good credit history.
  7. Take advantage of low mileage discounts.
  8. Ask about group insurance.

How can I spend less money on insurance? ›

Listed below are other things you can do to lower your insurance costs.
  1. Shop around. ...
  2. Before you buy a car, compare insurance costs. ...
  3. Ask for higher deductibles. ...
  4. Reduce coverage on older cars. ...
  5. Buy your homeowners and auto coverage from the same insurer. ...
  6. Maintain a good credit record. ...
  7. Take advantage of low mileage discounts.

What is the simplest way to lower your auto insurance premium? ›

Set higher deductibles on your auto insurance.

The higher your deductible — the amount of money you will pay out of pocket in the event of a claim — the lower your premium generally is. Typically, deductibles range from $0 to $1,500.

What makes a car more expensive to insure? ›

The car you drive – The cost of your car is a major factor in the cost to insure it. Other variables include the likelihood of theft, the cost of repairs, its engine size and the overall safety record of the car. Automobiles with high quality safety equipment might qualify for premium discounts.

What is the least amount of car insurance coverage? ›

Here are the minimum liability insurance requirements (per California Insurance Code §11580.1b): $15,000 for injury/death to one person. $30,000 for injury/death to more than one person. $5,000 for damage to property.

What is a good credit score? ›

Although ranges vary depending on the credit scoring model, generally credit scores from 580 to 669 are considered fair; 670 to 739 are considered good; 740 to 799 are considered very good; and 800 and up are considered excellent.

Do insurance companies check your credit? ›

It is true that insurance companies check your credit score when giving you a quote. However, what they're doing is called a 'soft pull' — a type of inquiry that won't affect your credit score. You'll be able to see these inquiries on your personal credit reports, but that's it.

Does Progressive run your credit? ›

Do Progressive representatives see my credit report? No. Our software systems automatically request your credit report, so your Progressive representative does not see your credit report or know your insurance score.

What are the 4 types of insurance that everyone should have? ›

There are, however, four types of insurance that most financial experts recommend we all have: life, health, auto, and long-term disability."

What are the three 3 main types of insurance? ›

  • Health insurance. It allows the insured to cover up medical expenses while visiting a doctor and other major costs usually involved during surgeries. ...
  • Life insurance. ...
  • Rental or property insurance.
Jan 28, 2014

What are the 2 main types of car insurance? ›

The six most common types of car insurance are auto liability coverage, uninsured and underinsured motorist coverage, comprehensive coverage, collision coverage, medical payments, and personal injury protection.

Which insurance company has the highest customer satisfaction? ›

Geico is the insurance company with the highest customer satisfaction, according to WalletHub's analysis of factors such as J.D. Power customer satisfaction ratings and the NAIC complaint index.

What is the most important insurance for car owners? ›

The most important coverage has to be your state's minimum liability and property damage coverage. More than anything else, you need to maintain car insurance to keep yourself legal to drive. You risk losing your driver's license and fines driving without it.

What is the birthday rule? ›

The "Birthday Rule" places primary responsibility for children based on whom, you or your spouse, was born earliest in the year. For instance, if you were born in February, and your spouse was born in April, plan expenses for you and your eligible dependent children would be submitted to your plan first.

Who is the number 1 auto insurer in the US? ›

However, claims satisfaction ratings and coverage options are average. Progressive is the largest car insurance company in the country and was established in 1937.

What is full cover insurance? ›

Full coverage auto insurance is a term simply used to describe a policy that covers all the main parts of car insurance. This is typically a combination of comprehensive insurance, collision insurance, and liability insurance.

What are the 5 main types of car insurance? ›

5 Types of Car Insurance Coverage Explained
  • Liability Insurance.
  • Collision Coverage.
  • Comprehensive Coverage.
  • Personal Injury Protection.
  • Uninsured /Underinsured Motorist Protection.

Why is my GEICO quote so high? ›

Common causes of overly expensive insurance rates include your age, driving record, credit history, coverage options, what car you drive and where you live. Anything that insurers can link to an increased likelihood that you will be in an accident and file a claim will result in higher car insurance premiums.

Why is GEICO every 6 months? ›

Why Do Insurers Offer Six-Month Car Insurance? Most insurers prefer a six-month car insurance policy to have the flexibility to recalculate your rates based on your driving record in the previous term.

Are older cars cheaper to insure? ›

Are older cars cheaper to insure? Yes, most older cars are cheaper to insure, especially in terms of comprehensive and collision insurance. Cars lose value as they age, so the potential insurance payouts after an accident drop as well. This is not the case with many classic or collector cars.

Are cheaper cars cheaper to insure? ›

Lower-spec cars tend to be in the lower insurance groups and so cheaper to insure. Models can appear in different groups, depending on their specifications — so it's always worth getting an insurance quote before you commit.

What insurance group should a first car be? ›

Cars in group 1 are a great option for younger drivers as they're usually the cheapest to insure and are among the cheapest to buy and repair. They tend to have less powerful engines, and score highly in other categories, such as having good safety and security features.

What is cheaper GEICO or Progressive? ›

Progressive: Which Is Cheaper? Geico's average nationwide rates are cheaper than Progressive's for nearly every type of driver. Geico has cheaper car insurance for good drivers as well as those with a speeding ticket or accident. Geico is also the cheaper car insurance company for both young drivers and senior drivers.

Who is cheaper GEICO or Liberty Mutual? ›

A policy from Liberty Mutual costs 30% more than one from Geico, on average. In fact, Liberty Mutual is more expensive than many major insurers — a minimum-coverage policy costs 20% more than the national average.

Can you negotiate with GEICO? ›

You must bear in mind that GEICO claims adjusters are skilled at negotiating. Their job is to keep money in the pockets of GEICO. On the other hand, the GEICO claims that should be settled probably will be settled. Each side might need to give a little to reach an agreement, but that is the nature of negotiating.

Is Geico cheaper than other insurance? ›

The national average insurance rate is $1,321. According to study data, Geico is the second-cheapest insurer among insurance providers after USAA, at $1,100 per year.
USAA Is Cheaper for Good Drivers.
CompanyAverage Annual Rate
National Average$1,321
Aug 26, 2022

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