Cheapest Insurance in Tennessee 2021

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  • Find cheapest car insurance Tennessee
  • Best insurance companies
  • Minimum coverage
  • Additional coverage
  • Minimum coverage carriers
  • Full coverage
  • Full coverage carriers
  • Cost by age
  • Poor driving record insurance
  • Carriers for poor driving record
  • Young drivers poor driving record insurance
  • Young drivers carriers for poor driving record
  • Discounts
  • Cost by car make
  • Cost by city
  • Lower costs
  • Methodology
Car insurance in Tennessee tends to hover around the national average, though premiums are more than you might expect for a largely rural state. Whether you’re looking for minimum or more complete coverage, it’s worth shopping around with numerous Tennessee providers to find the more affordable rate.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Tennessee. And if you want to learn more about car insurance rates in Tennessee, keep reading.
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Find the cheapest car insurance in Tennessee with Jerry

Insurance rates vary so much because many factors go into setting them. Things like your demographics, where you live, and the car you drive all play a role. Comparing premiums from a few different companies can help ensure that you’re getting the best price for the coverage you need.
Here’s how much Jerry customers were paying for car insurance in Tennessee before they compared quotes and switched plans with Jerry:

Best insurance companies for cheap insurance in Tennessee with Jerry

Insurance Company
Before Jerry
After Jerry
Gainsco
$2,124$1,187
Nationwide$2,382$1,625
Allstate$2,448$1,633
Progressive$2,473$1,645
National General
$2,519$1,711
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Massachusetts.

Cheapest minimum coverage car insurance in Tennessee

The minimum required insurance coverage varies depending on your state laws. In Tennessee, drivers must have the following:
  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Tennessee:
Before Jerry
After Jerry
$2,358$1,214
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Additional coverages you might want to consider when shopping for car insurance in Tennessee

Risk factorCoverage to consider
Inland floodingTennessee is prone to certain severe weather events, like flooding. Comprehensive insurance covers physical damage to your car as a result of weather, vandalism, or other non-collision-related events.
Uninsured driversUninsured motorist protection covers you in the event of an accident with a driver who doesn’t have even the minimum required car insurance.
Lots of road to coverTennessee has over 14,000 miles of state-maintained roadways. Roadside assistance can provide towing service, battery boosts, locksmith service, tire changes, and more.
Tennessee makes bodily injury and property damage liability insurance mandatory, but securing additional coverage is a good idea if you can afford it.

Best carriers for minimum coverage car insurance in Tennessee

Hitting the Tennessee roads without the mandatory minimum insurance isn’t a good idea. If you’re caught, you could face fines, license and registration suspension, and even jail time. Your insurer will also have to file an SR-22 form on your behalf (which means higher insurance rates).
Thankfully, premiums in Tennessee are fairly reasonable, so there’s no need to go without insurance.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Tennessee:
Insurance Company
Before Jerry
After Jerry
Safeco$2,715$921
Allstate$1,676$965
National General
$1,933$1,023
Progressive$2,363$1,211

Cheapest full coverage car insurance in Tennessee

Mandatory minimum insurance doesn’t include comprehensive or collision, so it leaves a pretty big gap: your own vehicle.
Although full coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident—which means it could end up costing less in the long run.
Full coverage car insurance policies generally include:
If you decide that full coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay:
Before Jerry
After Jerry
$2,335$1,693
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Best carriers for full coverage car insurance in Tennessee

Tennessee has a wide range of insurance providers that offer far more than just the mandatory minimum coverage.
Here’s how much Jerry customers pay for full coverage car insurance with various carriers in Tennessee:
Insurance Company
Before Jerry
After Jerry
Nationwide$1,589$1,510
Travelers$2,177$1,612
Progressive$2,257$1,622
Safeco$2,772$1,906
National General
$2,750$1,925
Allstate$4,022$2,710
Though the minimum liability insurance is all you need to drive legally in Tennessee, securing full coverage can provide you with peace of mind and financial protection.

Cost to insure your car in Tennessee by age

Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Young drivers are statistically more likely to engage in dangerous driving behaviors, and the CDC lists Tennessee as having the 12th highest fatality rate in the country for teenage drivers. This added risk is why insurers charge higher premiums.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Age Group
Before Jerry
After Jerry
18-20$2,567$1,625
21-24$2,593$1,665
25-34$2,416$1,530
35-44$2,202$1,428
45-54$2,240$1,418
55-64$2,231$1,229
65+$2,252$1,543
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Cost of insurance for drivers in Tennessee with a bad driving record

Drivers who have gotten into an accident, received a speeding ticket, or have been convicted of a DUI often pay higher car insurance rates.
In Tennessee, points remain on your record for two years. Insurers see you as a higher-risk driver, which impacts policy rates, driving privileges, and even your credit score.
The good news is Jerry can help you find a competitive and cheap car insurance policy even if your driving record isn’t squeaky clean.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,429$1,656
Wrong Way/Wrong Lane$1,998$1,112
Driving on Sus. License$2,380$1,204
Leaving scene of an Accident/Hit and Run$2,496$1,334
Improper Passing$1,794$1,512
Failure to Obey Traffic Sign$2,672$1,606
Defective Equipment$1,952$1,641
Cell Phone$2,400$1,806
Speeding under 15$3,174$2,196
Speeding over 15$4,007$2,666

Best carriers for drivers with infractions in Tennessee

Insurance Company
Before Jerry
After Jerry
Nationwide$2,357$1,607
Allstate$2,631$1,701
National General
$2,593$1,730
Progressive$2,734$1,811
Safeco$2,759$2,008
Travelers$2,774$2,128
State Auto
$3,561$2,998
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Cost of insurance for young drivers in Tennessee with a bad driving record

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Tennessee has a graduated licensing system that aims to teach young drivers safe behaviors. Even so, incident rates are high and insurance companies take on far higher risk when insuring young drivers than other age groups.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,786$1,909
Wrong Way/Wrong Lane$1,998$1,112
Driving on Sus. License$2,710$1,507
Failure to Obey Traffic Sign$2,801$1,695
Improper Passing$2,800$2,568
Speeding under 15$3,581$2,603
Speeding over 15$4,341$3,103
Illegal Turn$3,792$3,540
Careless Driving$4,260$3,550
Other$3,929$2,903
If you’re looking for the most affordable insurance for a young driver with a not-so-great driving record in Tennessee, check out these top carriers.

Best carriers for young drivers with infractions in Tennessee

Insurance Company
Before Jerry
After Jerry
Allstate$2,550$1,812
National General
$2,933$2,003
Progressive$3,157$2,121
Nationwide$3,405$2,142
Safeco$3,479$2,661
Travelers$3,513$2,683
State Auto
$4,186$3,589
Young drivers are already deemed higher risk by insurers, and a moving violation only adds to this. Comparing rates from various providers can help find the most affordable premiums.
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Types of discounts that might be available to you in Tennessee

Never underestimate a good discount! If you want to find cheap car insurance quotes, be sure to take advantage of any car insurance discounts that are provided by insurance companies in Tennessee.
Here are some to keep an eye out for:
  • Customer loyalty (e.g., bundling, early renewal)
  • Demographic (e.g., good student, senior)
  • Driver affiliations (e.g., military, affinity)
  • Driving history (e.g., accident-free, safe driver)
  • Driver training (e.g., defensive driver course)
  • Equipment-related (e.g., anti-theft, new car)
  • Payment (e.g., auto-pay, paperless)
Discount typeWho is eligible?
Driver education discountTennessee law requires insurance companies to provide drivers 50 and over a discounted premium if they complete an approved driver education course.
Bundling discountInsuring more than one product with the same company can net you savings—typically up to 12%—on each policy. Popular bundles include auto insurance with home, renter’s condo, or life insurance.
Good student discountFull-time students who maintain an average of at least a B may be eligible for reduced premiums.
Accident-free discountIf your record is free of accidents (typically for the last 3–5 years), you could net savings on your car insurance policy.
If you’re not sure which discounts might apply to you, worry not. Jerry can help you determine which discounts you qualify for, and it will automatically include them in real-time quote comparisons.
Most customers are eligible for some kind of discount on their premium, but you may need to ask your insurance company which ones you qualify for.

How much does it cost to insure my car make in Tennessee?

Tennessee is home to country music and pickup trucks, but the most affordable cars to insure actually tend to be standard cars like the Honda Civic.
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
If you drive fewer miles, you may also pay less for insurance because you’re less likely to get into an accident.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
Make / model
Before Jerry
After Jerry
Audi Q5 Premium$1,992$1,296
Audi A6 Premium Plus$3,720$2,940
BMW I3 Bev$2,400$1,860
Buick Regal GS$2,005$1,584
Buick Encore Preferred$1,440$960
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Cheapest car insurance in Tennessee by city

Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Nearly 20% of drivers in Tennessee hit the road without the required minimum coverage or without insurance at all. This represents a serious risk for insurance companies, which is passed on to insured drivers through increased premiums.
The state is also prone to some severe weather, including inland flooding. Flooding can cause quite a bit of damage to cars, requiring big insurance payouts.
City
Before Jerry
After Jerry
Maryville$2,446$1,543
Murfreesboro$2,731$1,601
Knoxville$2,250$1,678
Nashville$2,749$1,860
Memphis$2,880$1,970
Clarksville$3,154$2,164

Additional ways to lower your car insurance

To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.

Methodology

Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.
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Frequently asked questions

Jerry's services are 100% free of charge. There are no hidden fees and no surprise add-ons at the last minute.
Jerry currently shops for car, home, renters, and umbrella insurance.
Jerry shops with up to 45 insurance companies. These include Progressive, Nationwide, Travelers, Mapfre, National General, Mercury, AAA and others. If you want Jerry to shop at any specific companies, just let him know. You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).
No. Jerry does not mark up the price. The quotes we send to you are the same as those you’d get if you’d shopped yourself.
Absolutely not. Jerry takes your privacy very seriously. Jerry doesn’t even ask you for your email until you’re ready to switch your insurance to a new company. Jerry does not sell or share your contact information with any external companies. You will not be getting any phone calls or emails. All the communication happens through the mobile app. If you need help, you can request a call from one of our in-house licensed agents, but we don’t call to sell you insurance.
No, you don’t need to wait until you receive a renewal notice from your current provider. You can switch insurance policies anytime. By law, insurance companies must return any unused premium you have already paid for your policy. A few insurance companies may charge a small cancellation fee if you cancel before the end of the policy. Jerry will let you know the cancellation fee before you decide to switch the policy.
Yes, Jerry Insurance Agency (license number 0M34848) is a licensed insurance broker, registered in the state of California. Jerry carries a $1m professional liability policy for your peace of mind.
1. Jerry provides quotes from up to 45 insurance companies. Most online price comparison sites (and your local agent) will only provide quotes from a few insurance companies (usually the top 5 or 6 companies, and a handful of smaller brands) with whom they have contracts. You’re more likely to save money with Jerry because we work with top insurance companies.
2. Jerry’s mobile app makes managing your insurance policy a breeze. You can ask questions, upload documents, request changes, and much more. No more phone calls or emails back and forth.
3. With Jerry, you never have to think about insurance shopping again. Jerry will automatically shop you before your renewal date and send you quotes through the mobile app.
Absolutely not. Jerry will not make any changes to either your existing or your new policy without your approval. Jerry will shop for you before your policy renewal date and show you all your options in the app — it’s up to you to decide if you want to change your policy or not. If you ask Jerry to move forward with a quote you like, only then Jerry will do the paperwork to switch your policy.
No. Frequent shopping for car insurance quotes does not have an impact on your credit score or the cost of your insurance. In the state of California, a credit check is not required for getting quotes. In other states, insurance companies may run a credit check but it’s a “soft pull,” or fact check, of your credit, as opposed to a “hard pull,” which typically occurs when you apply for credit. Soft pulls, which are used for comparing car insurance rates, do not affect your credit score or rating, no matter how many quotes are obtained.
You can email the member service team at hi@getjerry.com or call 1-833-445-3779 (M-F 8am-5pm PT).

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