Cheap Car Insurance in Tennessee 2019

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Tennessee cheapest auto insurance companies

Average Tennessee insurance premiums by company

Company
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Average annual premium in Tennessee

Shelter Insurance

$1,304

Farm Bureau

$1,313

Travelers Insurance

$1,394

Farmers Insurance

$1,463

Erie Insurance

$1,469

Geico

$1,542

AAA Insurance/Auto Club

$1,544

State Farm

$1,577

Safeco

$1,586

Nationwide Insurance

$1,596

Auto-Owners Insurance

$1,630

USAA (must have a military affiliation to apply)

$1,640

Allstate

$1,664

Liberty Mutual

$1,666

Esurance

$1,700

Progressive Insurance

$1,714

The General

$1,788


Tennessee average auto insurance premiums

Insurance increases in Tennessee after a speeding ticket

Tennessee drivers who get a speeding ticket pay an average insurance increase of 25%, about the same as the nationwide average increase.

State Clean driving record Speeding ticket % increase
Tennessee $1,590/year $1,985/year 25%
Nationwide average 26%

Insurance increases in Tennessee after an accident

Tennessee drivers who cause an accident get an average insurance increase of 41%, higher than the national average increase.

State Clean driving record Chargeable accident, no injury % increase
Tennessee $1,590/year $2,240/year 37%
Nationwide average 36%

Average premiums in Tennessee cities

Drivers in Memphis pay the most for auto insurance among the Tennessee cities we examined.

City

Average annual premium

Chattanooga

$1,593

Clarksville

$1,637

Cordova

$1,600

Jackson

$1,596

Johnson City

$1,493

Kingsport

$1,458

Knoxville

$1,505

Memphis

$1,847

Murfreesboro

$1,562

Nashville

$1,578

Minimum car insurance requirements in Tennessee

Compared to many other states, Tennessee does not require a lot of car insurance. Only liability insurance is mandated. But liability insurance won't cover damage to your own car.


Tennessee required auto insurance

More insurance options in Tennessee

Medical payments (MedPay) coverage:

MedPay is not required in Tennessee, and if you have good health insurance you may not need it. MedPay covers medical bills and funeral expenses for anyone driving or riding in your car, no matter who caused the accident.

Comprehensive and collision coverage:

These are not required by Tennessee. However, if you have a car loan or lease you are likely required to have them by the loan or leasing company. These cover: the theft of your vehicle, damage caused by hitting another car or an animal, and damage from hail, flood, fire, vandalism, falling objects and explosions.

Rental reimbursement coverage:

This pays for a rental if your vehicle is being repaired due to an accident. It usually has limits for a daily maximum and also a total limit. If you rent a more expensive car you'll need to pay the difference.

You must show an insurance ID card (or other proof of financial responsibility) in Tennessee when:

  • Law enforcement requests it.

Penalties for not having car insurance in Tennessee

  • Class C misdemeanor, up to a $300 fine.
  • Class A misdemeanor if you're not in compliance with Tennessee financial responsibility laws and involved in accident resulting in bodily injury or death you were at fault for the accident.

Source: Property Casualty Insurers Association of America

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated Sept. 3, 2019

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