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Car Insurance in Tennessee

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Tennessee Car Insurance Quotes

The national average for car insurance is $189 per month. At $132, the monthly average for Tennessee residents is well below that. Apart from Nashville and Memphis, Tennessee is largely rural and suburban, meaning there are fewer accidents and congestion than in other states.

The rates in Tennessee, similar to other states, can vary widely by specific cities and zip codes as accident rates, car-related crime, and even weather can have significant influence over a driver's risk profile. Of course, a driver's profile also impacts the total cost of coverage, with age, driving history, and even credit score being some of the major factors evaluated by insurance providers. 

Read on to learn more about properly insuring your car in Tennessee. 

If you're ready for personalized recommendations, submit your ZIP code above and compare options instantly - absolutely free. 

Tennessee Car Insurance Laws

Tennessee's Financial Responsibility Law requires all motor vehicle owners to obtain liability insurance unless the vehicle is exempt. Potential exemptions include non-operable and stored vehicles. The state uses web-based software to verify the insurance coverage of all licensed drivers. 

Tennessee’s car insurance minimums are:

  • $25,000 for the death or injury of one person
  • $50,000 for the death or injury of two or more people
  • $25,000 for property damage

Liability coverage only pays for injuries or property damage to others involved in a wreck. It does not cover you or your vehicle. If you purchase a vehicle using a loan or lease, your lender may require you to obtain additional coverage, including collision and comprehensive insurance.

Cheapest Insurance in Tennessee

When EverQuote determines the premium costs of auto insurance, we look at a number of variables that influence the price, such as driver age and record, car model, coverage types, and discounts available.  

We partner with insurance experts to analyze millions of data points and get you the best car insurance in Tennessee. 

Rank Insurance company Average monthly premium
1 USAA $94
2 Progressive $99
3 Travelers $103
4 Farm Bureau $104
5 Nationwide $119
Avg. monthly premiums are weighted by zip code population sizes

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Proof of Insurance

“ Tennessee does not have a new car insurance grace period. All drivers must have liability coverage before operating a vehicle. ” 

In Tennessee, there are strict penalties for individuals caught driving without insurance. Violators may receive a fine of up to $100, and their driver's license and registration will be suspended. Violators must also show proof of financial responsibility for three years, pass the driver's license examination, and pay an additional $100 restoration fee before the DMV will reinstate their vehicle registration.

Tennessee does not have a new car insurance grace period. All drivers must have liability coverage before operating a vehicle on Tennessee roads and highways.

Frequently Asked Questions

What is the quickest way to reduce my insurance premium in Tennessee?
The quickest and easiest way to reduce your insurance premium is to take advantage of discounts related to your account setup. Depending on the insurance provider, setting up Electronic Funds Transfer (EFT), signing up for Paperless billing, and paying your policy in-full can reduce your cost by 4% to 9% instantly.
What is the most common insurance discount in Tennessee?
The most common insurance discount is signing up for Paperless billing. We have seen discounts range from 3% up to 11% depending on the policy. It is important to note that not all carriers offer this discount and those that do might have rules of when it can be applied (usually around the start of your policy term).
How much will I save switching insurance providers in Tennessee?
How much you can save by switching carriers can vary widely by location, time of year, and your driving record. While some carriers offer a median discount of 6 - 7% for policy renewals, recent research suggests that you can save anywhere between 10 - 20% by switching to a new carrier. The best way to secure the highest savings on your policy is by shopping often and connecting with a licensed agent.

🔍 Auto Insurance Methodology - Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Rates are based a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We assume no unique benefits or discounts are applied for these rates. Your own rates may be different.