Cheap Car Insurance in Tennessee

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Finding cheap car insurance in Tennessee

If you're looking for cheap car insurance in Tennessee, it's important to compare prices among companies. We've compiled average premiums so you can see how rates can compare. 

Also, the cheapest companies for you can also change depending on your driving record. We looked at premiums reported by EverQuote users in Tennessee for large insurance companies. The prices below reflect rates for one driver with a clean record who is insuring one vehicle. 

Company
(Click to see reviews)
Average monthly premium
Farm Bureau $93
Geico $118
State Farm $119
Nationwide $124
USAA $125.50
Allstate $130
Liberty Mutual $133
Progressive $135
The General $140
Source: EverQuote. See full methodology below.             

Car insurance rates in Tennessee after a speeding ticket

Tickets, claims and accidents can all lead to a rate increase when you renew your policy. We looked at premiums reported by EverQuote users in Tennessee who had a speeding ticket on their records compared to people who didn't. The average increase was 27%. 

Speeding and phone use while driving can lead to accidents, claims and tickets. Here’s a look at how much Tennessee drivers are speeding and using their phones while driving.


Tennessee car insurance rates by city

We also compiled Tennessee car insurance rates reported by EverQuote users around the state. Drivers in Knoxville reported paying the lowest premiums among the cities we looked at.

City Average monthly premium
Knoxville $110.50
Murfreesboro $112
Nashville $120
Chattanooga $123.50
Clarksville $134
Memphis $149
Source: EverQuote. See full methodology below.

How to get cheap car insurance in Tennessee

  • Comparing rates from multiple companies can potentially save hundreds of dollars a year.
  • Buy your home or renters insurance from the same company as your auto insurance. The "bundling" discount can be one of the bigger discounts. 
  • Ask your insurance agent how much you can save by increasing the deductible on comprehensive and collision coverage, if you buy them.
  • Have good credit. Be aware that drivers with poor credit often pay more for car insurance. 

Methodology for premium comparisons

We averaged premiums reported by EverQuote users, based on policies with bodily injury liability coverage of $100,000 in bodily injury per person and $300,000 in bodily injury per accident (known as 100/300). Rates are based on insuring single vehicles with one driver who has a good driving record and no violations. We used premiums for sedans, coupes and hatchbacks. Premiums are based on expenditures reported between Jan. 1, 2016, and April 1, 2018. Your own rates will be different.

Updated June 1, 2018

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