Fast, Free Auto Insurance Quotes

Drivers in the Big Bend State can see a wide range of car insurance premiums depending on their location and the provider they choose. EverQuote analyzed reported auto insurance rates to provide Tennessee drivers with info to evaluate their cheapest options. Our study of TN quotes shows that car insurance rates vary significantly. Therefore, we advise readers to compare quotes and shop around to find the best possible deal. Enter your ZIP code above to begin your search immediately, or learn more by reading our complete analysis below.


Cheapest Auto Insurance in Tennessee

We compared the median monthly auto insurance payments reported by EverQuote users in Tennessee To ensure a fair comparison, we considered a benchmark driver profile of a single male insuring one full-size or mid-size vehicle. This table shows the monthly payments for the ten cheapest car insurance carriers ranked from lowest priced to highest.

Rank Car Insurance Carrier Average Yearly Cost Average Monthly Payment
1 Farm Bureau $1,152 $96
2 Farmers $1,182 $99
3 Safeco $1,278 $107
4 USAA $1,356 $113
5 State Farm $1,362 $114
6 Liberty Mutual $1,380 $115
7 Allstate $1,380 $115
State Average $1,392 $116

Fast, Free Auto Insurance Quotes

Averaged across the entire state, Farm Bureau had the cheapest car insurance rates, at $1,152 for the average yearly cost and $96 monthly. Farmers, Safeco and USAA are other affordable alternatives.

Cheapest Car Insurance in Tennessee by City}

Tennessee is a beautiful state divided into three Grand Divisions: East Tennessee, Middle Tennessee and West Tennessee. We looked at reported rates in different cities, so that drivers across the state could see how car insurance rates differ. We found Memphis to be the most expensive city with an average yearly cost of $1,632. The renowned Music City, Nashville, sees average rates of $106 monthly. If you’re looking for the cheapest car insurance in the Tennessee, you’ll find those in Knoxville.

Rank CA City Average Yearly Cost Average Monthly Payment
1 Knoxville $1,200 $100
2 Antioch $1,254 $105
3 Chattanooga $1,272 $106
4 Nashville $1,272 $106
State Average $1,392 $116
5 Murfreesboro $1,488 $124
6 Clarksville $1,524 $127
7 Memphis $1,632 $136

Methodology For This Study

EverQuote collected self-reported monthly premiums from over two million users looking to save money on car insurance. This data, along with those users' current auto insurance company and ZIP code at the time of the survey, allowed us to produce the analysis you see here. EverQuote users do differ from one another in many ways that can influence the price of car insurance. The age of a driver as well as the number of drivers and cars in a household are just a few of factors that can affect the cost of auto insurance. We compared premiums from a subset of users who were similar to be sure we had a fair comparison of our numbers.