Cheapest Insurance in Tennessee 2021

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  • 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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Here’s how much real Jerry customers saved in Tennessee when they compared and switched.
Quote DateMake/modelcityAgeCarrierCoverage Type
Before Jerry
After Jerry
July 7, 2021Toyota Camry LENashville30SafecoCustom$287/mo.$104/mo.
July 21, 2021Chevrolet Cobalt LTMaryville22Bristol WestCustom$274/mo.$106/mo.
July 2, 2021Hyundai Accent GLSKnoxville36National GeneralCurrent$160/mo.$126/mo.
July 28, 2021Honda Accord EXLNashville26AllstateCurrent$238/mo.$133/mo.
August 29, 2021Volkswagen Gti SMurfreesboro20TravelersCurrent$300/mo.$198/mo.
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
$2,375$1,207
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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$2,217$940
National General$2,110$1,071
Progressive$2,335$1,224

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
$2,266$1,656
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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
Progressive$2,302$1,604
Travelers$2,297$1,644
National General$1,853$1,662
Allstate$2,400$2,268
Safeco$3,605$2,443
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$2,690$1,708
21-24$2,567$1,643
25-34$2,450$1,552
35-44$2,107$1,392
45-54$2,368$1,537
55-64$2,240$1,224
65+$2,312$1,596
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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$2,388$1,643
Leaving scene of an Accident/Hit and Run$2,496$1,334
Driving on Sus. License$3,412$1,394
Improper Passing$1,794$1,512
Failure to Obey Traffic Sign$2,656$1,595
Defective Equipment$1,952$1,641
Cell Phone$2,400$1,806
DUI$2,820$1,996
Speeding under 15$3,145$2,180
Passing School Bus$3,864$2,561

Best carriers for drivers with infractions in Tennessee

Insurance Company
Before Jerry
After Jerry
Allstate$2,395$1,566
Nationwide$2,537$1,725
Progressive$2,607$1,747
National General$2,590$1,769
Safeco$2,452$1,775
Travelers$2,747$2,029
State Auto$2,747$2,231
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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$2,768$1,897
Failure to Obey Traffic Sign$2,801$1,695
Driving on Sus. License$3,600$1,962
Improper Passing$2,800$2,568
Speeding under 15$3,482$2,584
Speeding over 15$3,847$3,019
Illegal Turn$3,792$3,540
Careless Driving$4,260$3,984
Other$3,376$2,419
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$2,284$1,591
Nationwide$1,950$1,836
National General$2,933$2,003
Safeco$2,738$2,031
Progressive$2,964$2,038
Travelers$3,335$2,480
State Auto$2,964$2,552
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
Buick Encore Preferred Ii$1,356$948
Buick Enclave$3,240$1,896
Buick Regal GS$2,005$1,584
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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
Nashville$2,702$1,804
Memphis$2,833$1,932
Knoxville$2,150$1,591
Clarksville$2,941$2,005
Murfreesboro$2,607$1,661
Chattanooga
$2,124$1,456
Antioch
$2,862$1,928
Johnson City
$1,721$1,343
Cleveland
$2,119$1,697
Franklin
$2,130$1,491

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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