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Jerry Data & Research
Cheapest Car Insurance in Tennessee (Nov 2024)
Cheapest Car Insurance in Tennessee (Nov 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Tennessee.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance quotes in Tennessee
- Cheapest car insurance companies in Tennessee
- Tennessee Car Insurance Coverage Requirements
- Tennessee Car Insurance Rating Factors
- How Do Different Factors Impact Your Car Insurance Costs in Tennessee?
- Car Insurance for High-Risk Tennessee Drivers
- Car Insurance for Tennessee Drivers With DUI
- Car Insurance for Tennessee Drivers With a Coverage Lapse
- Car Insurance for Tennessee Drivers With a Low Credit Score
- Tennessee Car Insurance Cost by Age
- Cheapest car insurance for popular cars
- Is it cheaper to insure a new car or a used car?
- How to lower car insurance costs in Tennessee
- Why is car insurance so expensive in Tennessee?
- FAQs
- Methodology
- Meet our Experts
Load full table of contents
How to find the cheapest car insurance quotes in Tennessee
While it would certainly make shopping easy, there’s no single car insurance company that offers the cheapest rates for everyone. That’s why it pays for drivers to
shop around
and compare quotes
to find the best cheap auto insurance policy for them. Fortunately, Jerry makes it easy for Tennessee drivers to do just that—and once you find the policy you want at the right rate, our licensed insurance agents can help you cancel your old one.
| Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|
| Nationwide | $123 | Carrie, 36 | Honda Pilot EXL | • State Minimum Liability • Comp / Collision |
| Safeco | $109 | Jared, 37 | Toyota Camry LE | • 50,000/100,000 Liability • Comp / Collision |
| Travelers | $89 | Barry, 41 | Toyota Camry L | • 100,000/300,000 Liability • Comp / Collision |
| AAA | $233 | Jacob, 36 | Acura TLX Tech A | • 30,000/60,000 Liability • Comp / Collision |
Gainsco | $212 | Mabelle, 36 | Hyundai Sonata Sport | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheapest car insurance companies in Tennessee
Here at Jerry, we wanted to find out what car insurance companies offered the cheapest car insurance rates in Tennessee, so we conducted the largest insurance shopping survey in the nation.
Our findings: Policyholders in Tennessee gave Bristol West, GEICO, and Travelers the highest rates for cost, customer service, and claims processing.
After finding new car insurance policies with Jerry, here’s what Tennessee drivers have had to say about working with their providers.
| Insurance company | Date | Cost rating (out of 5) | What our customer said: |
|---|---|---|---|
| Dairyland | November 15, 2024 | 3 | "They was really good up until the end but one person not to blame them all" -Bryan |
| Bristol West | November 10, 2024 | 5 | "Good rates very affordable there when I need them " -Warren |
| Sun Coast General | November 6, 2024 | 5 | "Awesome prices and awesome perks " -Kate |
| Bristol West | November 3, 2024 | 3 | "They are charging me 460$ a month which I think is insane." -Katie |
| Amica | November 2, 2024 | 5 | "They are a great insurance company " -Leona |
Last Updated Nov 15, 2024
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
The bottom line: Using a car insurance comparison app or website like Jerry makes it quick and easy to find the best car insurance company based on your profile and priorities.
With a team of over
100+ licensed insurance agents
, Jerry’s end-to-end service can help you set up your new policy and cancel your old one.Minimum liability and full coverage
Tennessee drivers need to be able to prove financial responsibility before they can legally hit the road—and the easiest way to do that is to purchase car insurance that meets
the state’s minimum requirements
.In many cases, drivers will additionally benefit from full coverage or other optional coverage types.
Cheapest minimum liability coverage in Tennessee
In Tennessee, drivers must satisfy the state’s minimum car insurance requirements, which include the following liability limits:
- Bodily injury liability: $25,000 per person, $50,000 per accident
- Property damage liability: $25,000 per accident
You might see this coverage referred to as 25/50/25.
Mathilda (43 years old)
$176
per month
Cameron (81 years old)
$101
per month
Lily (38 years old)
$106
per month
Do you need more than the minimum liability insurance coverage in Tennessee?
Generally speaking, most drivers would benefit from having more than Tennessee’s required 25/50/25 liability insurance.
The reason why: More severe accidents can easily exceed these limits, and if you were found at fault for an accident, you’d need to find another way to pay for others’ injuries and damages once that limit is reached. And because
Tennessee’s car accident laws
allow drivers to file personal injury lawsuits up to three years after the actual accident, your liability can extend long beyond the original crash. For better financial protection, insurance experts commonly recommend choosing higher liability limits, such as 50/100/50 or 100/300/100.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cheapest full coverage car insurance quotes in Tennessee
Liability coverage won’t cover damage to your own vehicle—you’d need collision and comprehensive coverage for that.
Full coverage car insurance
generally refers to a policy that includes both comprehensive
and collision coverage
. Collision coverage pays to repair or replace your vehicle after an accident, while comprehensive coverage applies to damages caused by a variety of other events, like theft, severe weather, or hitting an animal.If you have a car loan: Lenders will require that you keep full coverage on your car for the duration of your loan.
Check out the rates other Tennessee drivers have found for full coverage car insurance with Jerry’s help.
| Insurance Coverage | Insurance Company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• 50,000/100,000 Liability • Comp / Collision | Progressive | $203 | Madge, 34 | Ford Explorer |
• State Minimum Liability • Comp / Collision | Gainsco | $87 | Margaret, 55 | Saturn VUE |
• 50,000/100,000 Liability • Comp / Collision | National General | $157 | Roger, 62 | Volkswagen Jetta SE |
• 100,000/300,000 Liability • Comp / Collision | State Auto | $105 | Lois, 27 | Chevrolet Camaro LS |
• 100,000/300,000 Liability • Comp / Collision | Clearcover | $71 | Earl, 62 | KIA Soul |
Last Updated Nov 20, 2024Average rates for minimum liability coverage and full coverage car insurance in Tennessee
Jerry’s data shows that the average cost of car insurance in Tennessee is $117 monthly or $1,403 annually for minimum coverage. The average cost for a full coverage policy in Tennessee is $254 per month or $3,049 per year.
Keep in mind: Your own car insurance costs in Tennessee may fall above or below these averages based on rating factors specific to you, such as:
- Where you keep your vehicle
- What type of vehicle you drive
- Your age, gender, and other demographics
- Your driving record
- Your insurance history
- The coverage level you choose
- The car insurance discounts you qualify for
Tennessee car insurance: Additional coverages
In addition to required liability coverage, there are a number of additional coverage options you can add to your car insurance policy in Tennessee, including:
If you have a car loan: Car values can depreciate quickly, especially during the first several years of ownership. If your car ends up stolen or totaled when the value has become less than your loan balance,
gap insurance
can help you cover the difference.If you don’t own a car but routinely borrow someone’s: Consider a
non-owner car insurance policy
, which will set you up with the liability coverage you need. You can also usually add optional coverage types, like medical payments coverage, if you prefer. However, you won’t be able to add vehicle-specific coverage, such as collision or comprehensive insurance, since the owner’s policy would need to have these protections in place.How Do Different Factors Impact Your Car Insurance Costs in Tennessee?
How Do Different Factors Impact Your Car Insurance Costs in Tennessee?
Allowed (with applicable limitations): Gender, age, driving experience, credit history, education, occupation, employment status, marital status, zip code, insurance history
Prohibited (or effectively prohibited): Tennessee currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more abut the car insurance rating factors in Tennessee:
Cheapest Tennessee car Insurance after a driving violation
Your
Tennessee driving record
will predictably have a notable influence on your car insurance rate. Racking up too many violations could send your insurance rate skyrocketing, so it pays to practice safe driving by following the rules of the road.Cheapest car insurance for Tennessee drivers with a speeding ticket
A
Tennessee speeding ticket
usually causes car insurance rates to rise, but the severity will have an impact as well. You’ll likely see a steeper rate increase for driving 25 mph over the speed limit than you would for driving 5 mph over the speed limit. And if your speeding lands you with a Tennessee reckless driving charge
, you’ll likely see an even higher rate. Pro tip: Shopping around for car insurance can still help you keep your car insurance costs affordable. Check out rates Tennessee drivers have found with Jerry, even after a speeding ticket.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
Speeding 1-5 | Progressive | $212 | Lucille, 29 Doyle, TN | • State Minimum Liability • Comp / Collision |
Speeding 6-10 | Travelers | $131 | Troy, 45 Springfield, TN | • 50,000/100,000 Liability • Comp / Collision |
Speeding 11-15 | Safeco | $164 | Dorothy, 45 Michie, TN | • State Minimum Liability • Comp / Collision |
Speeding 16-20 | Nationwide | $157 | Kenneth, 32 | • 50,000/100,000 Liability • Comp / Collision |
Speeding 21+ | Bristol West | $229 | Olivia, 30 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Over 3,500,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Love this company.
Jaylin
Happy with my policy and cost!
Pamela
Nice, reliable, and affordable.
Kobe
Love the name your price tool and the savings you get with snapshot!
Kelley
Cheapest auto insurance in Tennessee after a DUI
Under
Tennessee’s DUI laws
, driving under the influence can send car insurance premiums through the roof.But by gathering quotes from multiple auto insurance companies, you increase the odds of finding an affordable car insurance policy.
Jacob (31 years old)
DUI
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Knoxville, TN$99
per month
Mamie (58 years old)
DUI
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$77
per month
Gainsco
Jeffery (60 years old)
$72
per month
Trexis
Dora (28 years old)
$122
per month
Tennessee SR-22 insurance
DUIs, reckless driving, and other severe violations can leave drivers subject to
Tennessee SR-22 requirements
. This can be challenging, because not all auto insurance companies offer SR-22 policies due to the increased level of risk.At the same time, there are numerous providers that are willing to work with high-risk drivers, and some specialize in doing so. Comparing quotes from these providers can help you find an affordable policy.
Cheapest Tennessee auto insurance after an at-fault accident
At-fault accidents can result in steep rate hikes from your car insurance company.
If you recently had an accident and saw your car insurance rate increase, shopping around for new car insurance quotes might get you a better rate—like it did for these Tennessee policyholders:
| Accident Type | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
At Fault With Injury | Progressive | $100 | Josephine, 36 Memphis, TN | • State Minimum Liability |
At Fault With No Injury | Nationwide | $123 | Sara, 35 | • State Minimum Liability • Comp / Collision |
Not At Fault | Travelers | $112 | Ivan, 31 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $79 | Viola, 30 | • 50,000/100,000 Liability • Comp / Collision |
At Fault With Injury | State Auto | $84 | Marcus, 79 Loudon, TN | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024FAQ
Is Tennessee a no fault state?
No, Tennessee is not a no-fault state, meaning that drivers aren’t required to carry no-fault
personal injury protection (PIP)
coverage. Does Tennessee require car insurance?
Yes. Drivers in Tennessee are required to purchase at least minimum liability car insurance in order to legally operate a vehicle.
Does car insurance follow the car or the driver in Tennessee?
In most cases,
car insurance follows the car
in Tennessee. Basic coverage like liability, collision, and comprehensive insurance follow the insured vehicle—but medical payments or PIP coverage follow the insured driver. Cheapest auto insurance after other violations in Tennessee
As you’d probably expect, driving violations can increase your car insurance rate—but the exact impact will likely depend on how many you have and their severity.
Here’s a look at rates Tennessee drivers have found after various types of violations with help from Jerry:
| Violation | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Careless Driving | Progressive | $199 | Carl, 33 | Ford F250 Super Duty | • State Minimum Liability • Comp / Collision |
Cell Phone | Safeco | $135 | Alberta, 27 | Ford Escape SE | • State Minimum Liability • Comp / Collision |
Defective Equipment | Allstate | $122 | Alma, 32 Bethel Springs, TN | Chevrolet Malibu Limited LT | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Gainsco | $273 | Emily, 28 | Honda Civic SI | • State Minimum Liability • Comp / Collision |
DUI | Bristol West | $65 | Jeff, 37 | Chevrolet Tahoe K1500 | • State Minimum Liability |
Failure to Obey Signal | Nationwide | $473 | Herman, 22 | Honda Civic Sport | • 50,000/100,000 Liability • Comp / Collision |
Illegal Turn | National General | $191 | Roger, 28 | Mazda CX-9 | • State Minimum Liability |
Improper Passing | Bristol West | $284 | Lillian, 39 Munford, TN | KIA Seltos SX | • 100,000/300,000 Liability • Comp / Collision |
Leaving scene of an Accident/Hit and Run | Gainsco | $66 | Josephine, 33 | Chevrolet Trailblazer LS | • State Minimum Liability |
Racing/Drag Racing | State Auto | $245 | Kathryn, 29 | Nissan Altima 2.5 | • State Minimum Liability • Comp / Collision |
Reckless Driving | Gainsco | $231 | Harold, 21 Memphis, TN | Lexus RX 300 | • State Minimum Liability |
Speeding Violation-Major | Safeco | $120 | Lettie, 29 | Chevrolet Camaro LT | • State Minimum Liability • Comp / Collision |
Speeding Violation-Minor | Clearcover | $128 | Isabella, 22 | Mitsubishi Outlander Sport ES | • State Minimum Liability • Comp / Collision |
Suspension | Progressive | $359 | Augusta, 25 | Dodge RAM 1500 SLT | • 100,000/300,000 Liability • Comp / Collision |
Wrong Way/Wrong Lane | National General | $124 | Maud, 22 | Toyota Tacoma Double Cab | • State Minimum Liability |
Other Minor | Allstate | $234 | Juan, 56 Pegram, TN | Ford F150 Supercrew | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheapest Tennessee auto insurance based on insurance history
Car insurance providers prefer to see policyholders hold continuous car insurance over a certain period of time. On the contrary, having
lapses in your insurance coverage
could leave you with a more expensive premium.If you’re shopping for car insurance for the first time: Start out strong by choosing a policy that’s right for your situation and your budget, then maintain consistent coverage to save more in the long run.
Jerry understands that missed payments could result in premature cancellation of your policy. That’s why we can send eligible customers payment reminders and late payment warnings to help you keep your coverage in good standing.
Susie (25 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$79
per month
Isabelle (22 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$473
per month
Cameron (27 years old)
Not Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$197
per month
Clearcover
Chris (61 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
$71
per month
Dale (46 years old)
$63
per month
Cheapest car insurance for drivers with poor credit
Because policyholders with poor credit are statistically more likely to file insurance claims, taking steps to improve your credit score can help you find lower rates on car insurance. In the meantime, shopping around can still help you save if you have poor credit.
Take a look at the
auto insurance quotes
these Tennessee drivers with varying credit scores have found with Jerry.| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $108 | Benjamin, 26 | Honda Civic LX | • State Minimum Liability |
660 - 750 | Travelers | $102 | Polly, 43 | Nissan Rogue S | • 50,000/100,000 Liability • Comp / Collision |
550 - 659 | Safeco | $79 | Flora, 55 | Chevrolet Malibu LS | • State Minimum Liability • Comp / Collision |
< 550 | Allstate | $204 | Christian, 26 | Fiat 500 Abarth | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Cheapest Tennessee car insurance by age
Age isn’t everything, but it has a major impact on what you pay for auto insurance coverage.
Young drivers have the highest average car insurance premiums. Luckily, this is only temporary for safe drivers, as you can generally expect your car insurance rates to gradually decrease over time for most of your adult life.
Cheapest Tennessee car insurance for young drivers
Teen drivers
pay the most for car insurance in Tennessee out of any age group.Considering that teens are statistically far more likely to experience accidents, this doesn’t come as too much of a surprise. To help compensate, some young drivers might qualify for good student discounts or defensive driving course discounts.
That increased risk also makes it worthwhile to consider adding full coverage to a young driver’s policy—especially if they’re driving a vehicle that’s newer or carries a higher value.
Lula (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Newbern, TN$76
per month
Samuel (23 years old)
$97
per month
Sophia (24 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Hurricane Mills, TN$200
per month
Angel (23 years old)
$228
per month
Cheapest Tennessee car insurance for senior drivers
As drivers reach their mid-seventies, they can generally expect their car insurance rates to rise again, thanks to statistics.
The increased likelihood for accidents—and for severe injuries if an accident happens—can make care insurance more expensive for seniors.
Fortunately, there are still plenty of ways to save, including by shopping around for new car insurance quotes. Check out the best rates senior drivers in Tennessee have found with Jerry’s help.
Lily (75 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$82
per month
Jerome (65 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
$136
per month
Lee (76 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Burlison, TN
GMC Yukon Denali$96
per month
Gregory (80 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Loudon, TN$84
per month
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Kala
Cheapest car insurance for popular cars
The kind of car you drive can have a significant impact on auto insurance premiums. The more expensive, large, and rare your vehicle is, the more it will cost to repair—and to insure.
Vehicles that are popular with Tennessee drivers include:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| RAM 1500 Laramie | Progressive | $148 | Dominic, 34 | • 50,000/100,000 Liability • Comp / Collision |
| Honda Civic SI | Safeco | $154 | Mildred, 32 | • State Minimum Liability • Comp / Collision |
| Nissan Altima S | Nationwide | $182 | Mary, 24 | • 50,000/100,000 Liability • Comp / Collision |
| Toyota Camry L | Travelers | $84 | Ronald, 40 | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024Is it cheaper to insure a new car or a used car?
Newer vehicles usually cost more to insure than older ones.
Emma (40 years old)
$101
per month
Lottie (35 years old)
2000 Lincoln LS
Coverage50,000 per person
100,000 per accident bodily injury
Evensville, TN$81
per month
Nell (33 years old)
$122
per month
Chris (43 years old)
2003 Mazda Tribute ES
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Savannah, TN$91
per month
Derek (36 years old)
$99
per month
Tennessee cheapest car insurance by location
Insurers will consider factors like your ZIP code’s:
- Population density
- Accident rates
- Auto theft and other crime rates
- Severe weather risks
Even within the same city, you might see ZIP codes with noticeably different average rates.
Take a look at how car insurance rates can vary across Tennessee.
| City | Customer | Insurance Company | Premium (monthly) | Car | Insurance coverage |
|---|---|---|---|---|---|
| Dickson, TN | Elnora, 32 | Allstate | $190 | Chevrolet Malibu LT | • 50,000/100,000 Liability • Comp / Collision |
| Elizabethton, TN | Eva, 36 | AAA | $233 | Acura TLX Tech A | • 30,000/60,000 Liability • Comp / Collision |
| Gallatin, TN | Pauline, 29 | Travelers | $140 | Nissan Rogue S | • 30,000/60,000 Liability • Comp / Collision |
| Paris, TN | Troy, 34 | National General | $207 | Ford Explorer | • 50,000/100,000 Liability • Comp / Collision |
| Maryville, TN | Lily, 38 | National General | $106 | Chrysler 300 Touring | • State Minimum Liability |
| Lewisburg, TN | Margaret, 55 | Gainsco | $87 | Saturn VUE | • State Minimum Liability • Comp / Collision |
| Nashville, TN | Matilda, 61 | Bristol West | $135 | Ford Fiesta SE | • State Minimum Liability • Comp / Collision |
| Chattanooga, TN | Olive, 23 | Infinity | $339 | Toyota Corolla | • 10,000/20,000 Liability |
| Mcminnville, TN | Myra, 62 | Clearcover | $71 | KIA Soul | • 100,000/300,000 Liability • Comp / Collision |
| Chattanooga, TN | Nina, 65 | Mercury | $106 | Nissan Altima SR | • 30,000/60,000 Liability • Comp / Collision |
| Franklin, TN | Nell, 33 | State Auto | $164 | Hyundai Sonata SE | • 30,000/60,000 Liability • Comp / Collision |
| Spring Hill, TN | Helen, 28 | The General | $231 | Hyundai Sonata SE | • State Minimum Liability • Comp / Collision |
| Sweetwater, TN | Hannah, 56 | First Acceptance | $100 | Ford Explorer XLT | • State Minimum Liability |
| Kingsport, TN | Allie, 55 | Assurance America | $66 | Honda FIT | • 30,000/60,000 Liability • Comp / Collision |
| Kingston, TN | Millie, 32 | Grange | $138 | Chevrolet Camaro SS | • 50,000/100,000 Liability • Comp / Collision |
| Madison, TN | Carlos, 43 | Dairyland | $162 | KIA Forte FE | • 50,000/100,000 Liability • Comp / Collision |
Last Updated Nov 22, 2024How to lower car insurance costs in Tennessee
Here are some tips from Jerry’s team of licensed insurance agents to help you save on car insurance in Tennessee:
- Gather and compare car insurance quotes from multiple providers.
- Bundle your car insurancewith home insurance or renters insurance.
- Find out whatother insurance discountsyou’re eligible for—like safe driver discounts, low mileage discounts, auto-pay discounts, or safety feature discounts.
- Increase your deductiblefor your comprehensive and collision coverage.
- Consider dropping collision and comprehensive coverage on older, low-value cars.
Why is car insurance so expensive in Tennessee?
Because location plays a crucial role in determining your insurance rate, you might pay more for car insurance in Tennessee due to factors like:
- Your city’s population density
- Accident and crime rates
- High number of uninsured drivers
- Rising repair costs
- Healthcare costs
- Severe weather risks
FAQs
What is the cheapest car insurance in Tennessee?
Jerry surveyed over 15,000 car insurance policyholders and found there’s no insurance provider that offers the cheapest rates for everyone. If drivers want to find savings on car insurance in Tennessee, comparing multiple quotes is the best way to do it.
How much is car insurance in Tennessee?
The average cost for full coverage car insurance in Tennessee is $[X] per year. For comparison, the national average is $[X] per year.
That said, your actual insurance costs in Tennessee will depend on a multitude of factors, like the type of car you drive, the city you live in, your driving record, and your demographics. Different auto insurance companies will weigh these factors differently, so you can often find cheaper car insurance by shopping around for car insurance quotes.
What is Tennessee’s minimum car insurance coverage?
Tennessee drivers must have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage and at least $25,000 in property damage liability coverage.
Does the state of Tennessee require car insurance?
Tennessee law requires drivers to be able to prove financial responsibility whenever they’re driving, and the easiest way to do so is with a car insurance policy that meets the state’s minimum liability coverage requirements.
Do you need insurance to register a car in Tennessee?
Proof of insurance isn’t required to register a vehicle in Tennessee, but you’ll still need to be able to provide proof of insurance whenever you’re behind the wheel.
How long can you drive without insurance after buying a car in Tennessee?
It’s illegal to drive without insurance in Tennessee—even if it’s just home from the dealership. Always
purchase car insurance before buying a car
. Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
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about our editorial standards, and our expert review board *Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.