Cheap Car Insurance in Tennessee 2019

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Finding cheap Tennessee auto insurance

On the hunt for cheap auto insurance in Tennessee? Here are good ways to lower your insurance bill:

  • Keep a good driving record. Accidents and tickets for moving violations can lead to a rate increase at renewal time.
  • Adding a young driver to your insurance policy? We have tips for getting cheap car insurance for teen drivers.
  • If you have a college student, find out if you're eligible for auto insurance discounts for college students.
  • Buy homeowners insurance from your auto insurance company so you can snag a "bundling" discount.
  • Ask your insurance agent to review the possible insurance discounts so you can make sure you're getting all possible savings.
  • Raise the deductible amount on collision and comprehensive insurance, if you buy them.
  • Shop around and compare several auto insurance quotes. Rates can vary by hundreds of dollars among insurers for the same kind of coverage, so shopping around can pay off.

We analyzed average insurance premiums reported by EverQuote users in Tennessee so you can see how prices compare.

Sections:

Tennessee insurance vs. the U.S. average
Average Tennessee insurance premiums by company
Insurance increases after a speeding ticket
Insurance increases after an accident
Average premiums for Tennessee cities

Tennessee insurance vs. the U.S. average

Tennessee car owners with good driving records pay less than the national average.

  • $1,590/year Tennessee average.
  • $1,684/year national average.

Average Tennessee insurance premiums by company

Company
Click to see reviews

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

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 Annual premium with clean driving record Annual premium with speeding ticket % increase
Tennessee $1,590 $1,985 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 Annual premium with clean driving record Annual premium with a chargeable accident, no injury % increase
Tennessee $1,590 $2,240 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

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 March 7, 2019

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