The Cheapest Car Insurance in Tennessee for 2022

NerdWallet analyzed auto insurance rates to find you the cheapest car insurance in Tennessee for a variety of ages and driving histories.
Dec 10, 2021

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Auto insurance is an important purchase, but finding cheap car insurance in Tennessee isn’t always easy. That’s why it’s important to compare rates from multiple insurers.

The average cost of full coverage car insurance in Tennessee is $1,439 per year, or about $120 per month, according to NerdWallet’s analysis. Minimum coverage in Tennessee is $407 per year on average, but we found you can likely get a cheaper policy. For example, Grange offers the cheapest rates in Tennessee at $190 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

Why you can trust NerdWallet: Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in the country where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

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Cheapest car insurance company overall in Tennessee

$68/month

5.0

NerdWallet rating 

Cheapest for minimum coverage

Grange

$16/month

Not yet rated.

Cheapest for young drivers

$143/month

5.0

NerdWallet rating 

Cheapest for drivers with poor credit

Tennessee Farm Bureau

$68/month

Not yet rated.

If you're looking for cheap car insurance in your town, check out NerdWallet's analysis of the cheapest auto insurance in Tennessee's largest cities, including:

How we chose the cheapest companies in Tennessee

NerdWallet’s editorial team analyzed car insurance rates from 15 auto insurers in Tennessee and found the five cheapest options for drivers in several age brackets and with different histories, all driving a 2019 Toyota Camry L. For minimum coverage, we looked at rates that reflect the minimum requirements in Tennessee. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Tennessee for 20-year-olds

Drivers in Tennessee with clean driving records may want to consider the following companies, which had the lowest average rates:

  1. State Farm: $1,711 per year, or about $143 per month.

  2. Grange: $1,791 per year, or about $149 per month.

  3. Geico: $1,957 per year, or about $163 per month.

  4. Travelers: $2,059 per year, or about $172 per month.

  5. Tennessee Farm Bureau: $2,142 per year, or about $178 per month.

Cheapest minimum coverage car insurance in Tennessee for 20-year-olds

Drivers in Tennessee who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

  1. Grange: $498 per year, or about $42 per month.

  2. State Farm: $501 per year, or about $42 per month.

  3. Geico: $510 per year, or about $42 per month.

  4. Travelers: $581 per year, or about $48 per month.

  5. Erie: $612 per year, or about $51 per month.

Cheapest auto insurance in Tennessee for 20-year-olds with poor credit

Drivers with poor credit in Tennessee should look at the following insurers with the lowest average rates for minimum coverage:

  1. Grange: $676 per year, or about $56 per month.

  2. Tennessee Farm Bureau: $732 per year, or about $61 per month.

  3. Travelers: $886 per year, or about $74 per month.

  4. Geico: $1,099 per year, or about $92 per month.

  5. Allstate: $1,127 per year, or about $94 per month.

Cheapest auto insurance in Tennessee for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Tennessee, here are the companies with the lowest average rates for minimum coverage:

  1. Grange: $585 per year, or about $49 per month.

  2. Geico: $594 per year, or about $50 per month.

  3. State Farm: $620 per year, or about $52 per month.

  4. Tennessee Farm Bureau: $703 per year, or about $59 per month.

  5. Travelers: $746 per year, or about $62 per month.

Cheapest auto insurance in Tennessee for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

  1. Erie: $695 per year, or about $58 per month.

  2. State Farm: $735 per year, or about $61 per month.

  3. Travelers: $828 per year, or about $69 per month.

  4. Grange: $859 per year, or about $72 per month.

  5. Allstate: $989 per year, or about $82 per month.

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Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Tennessee for 30-year-olds

Drivers in Tennessee with clean driving records may get the lowest rates from these companies:

  1. State Farm: $838 per year, or about $70 per month.

  2. Geico: $889 per year, or about $74 per month.

  3. Grange: $899 per year, or about $75 per month.

  4. Tennessee Farm Bureau: $1,056 per year, or about $88 per month.

  5. Nationwide: $1,159 per year, or about $97 per month.

Cheapest minimum coverage car insurance in Tennessee for 30-year-olds

Drivers in Tennessee who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Grange: $189 per year, or about $16 per month.

  2. Geico: $205 per year, or about $17 per month.

  3. State Farm: $217 per year, or about $18 per month.

  4. Tennessee Farm Bureau: $285 per year, or about $24 per month.

  5. Erie: $317 per year, or about $26 per month.

Cheapest auto insurance in Tennessee for 30-year-olds with poor credit

Drivers with poor credit in Tennessee should consider the following companies with the lowest average rates for full coverage:

  1. Grange: $1,193 per year, or about $99 per month.

  2. Tennessee Farm Bureau: $1,221 per year, or about $102 per month.

  3. Nationwide: $1,630 per year, or about $136 per month.

  4. Geico: $1,643 per year, or about $137 per month.

  5. Travelers: $2,217 per year, or about $185 per month.

Cheapest auto insurance in Tennessee for 30-year-old drivers with one at-fault crash

For drivers in Tennessee with a recent accident, here are the lowest average rate options for full coverage:

  1. State Farm: $1,016 per year, or about $85 per month.

  2. Tennessee Farm Bureau: $1,056 per year, or about $88 per month.

  3. Grange: $1,162 per year, or about $97 per month.

  4. Erie: $1,505 per year, or about $125 per month.

  5. Travelers: $1,630 per year, or about $136 per month.

Cheapest auto insurance in Tennessee for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. State Farm: $1,166 per year, or about $97 per month.

  2. Erie: $1,177 per year, or about $98 per month.

  3. Grange: $1,587 per year, or about $132 per month.

  4. Tennessee Farm Bureau: $1,681 per year, or about $140 per month.

  5. Travelers: $1,762 per year, or about $147 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Tennessee for 40-year-olds

Drivers in Tennessee with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. State Farm: $817 per year, or about $68 per month.

  2. Grange: $887 per year, or about $74 per month.

  3. Geico: $889 per year, or about $74 per month.

  4. Tennessee Farm Bureau: $952 per year, or about $79 per month.

  5. Erie: $1,048 per year, or about $87 per month.

Cheapest minimum coverage car insurance in Tennessee for 40-year-olds

Drivers in Tennessee who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Grange: $193 per year, or about $16 per month.

  2. Geico: $205 per year, or about $17 per month.

  3. State Farm: $219 per year, or about $18 per month.

  4. Tennessee Farm Bureau: $263 per year, or about $22 per month.

  5. Erie: $285 per year, or about $24 per month.

Cheapest auto insurance in Tennessee for 40-year-olds with poor credit

Drivers with poor credit in Tennessee can check out the following insurers with the lowest average rates for full coverage:

  1. Tennessee Farm Bureau: $1,100 per year, or about $92 per month.

  2. Grange: $1,163 per year, or about $97 per month.

  3. Nationwide: $1,594 per year, or about $133 per month.

  4. Geico: $1,643 per year, or about $137 per month.

  5. Travelers: $1,975 per year, or about $165 per month.

Cheapest auto insurance in Tennessee for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Tennessee, here are the companies with the lowest average rates for full coverage:

  1. Tennessee Farm Bureau: $952 per year, or about $79 per month.

  2. State Farm: $992 per year, or about $83 per month.

  3. Grange: $1,191 per year, or about $99 per month.

  4. Erie: $1,358 per year, or about $113 per month.

  5. Travelers: $1,535 per year, or about $128 per month.

Cheapest auto insurance in Tennessee for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Erie: $1,061 per year, or about $88 per month.

  2. State Farm: $1,137 per year, or about $95 per month.

  3. Tennessee Farm Bureau: $1,514 per year, or about $126 per month.

  4. Grange: $1,564 per year, or about $130 per month.

  5. Progressive: $1,647 per year, or about $137 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap car insurance companies is a good place to start.

Cheapest full coverage car insurance in Tennessee for 50-year-olds

Drivers in Tennessee with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Geico: $798 per year, or about $66 per month.

  2. State Farm: $798 per year, or about $66 per month.

  3. Grange: $831 per year, or about $69 per month.

  4. Tennessee Farm Bureau: $865 per year, or about $72 per month.

  5. Erie: $1,026 per year, or about $86 per month.

Cheapest minimum coverage car insurance in Tennessee for 50-year-olds

Drivers in Tennessee who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Geico: $180 per year, or about $15 per month.

  2. Grange: $184 per year, or about $15 per month.

  3. State Farm: $218 per year, or about $18 per month.

  4. Tennessee Farm Bureau: $245 per year, or about $20 per month.

  5. Erie: $278 per year, or about $23 per month.

Cheapest auto insurance in Tennessee for 50-year-olds with poor credit

Drivers with poor credit in Tennessee can check with the following companies, which showed the lowest average rates for full coverage:

  1. Tennessee Farm Bureau: $999 per year, or about $83 per month.

  2. Grange: $1,075 per year, or about $90 per month.

  3. Geico: $1,476 per year, or about $123 per month.

  4. Nationwide: $1,489 per year, or about $124 per month.

  5. Travelers: $1,934 per year, or about $161 per month.

Cheapest auto insurance in Tennessee for 50-year-old drivers with one at-fault crash

For drivers living in Tennessee with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Tennessee Farm Bureau: $865 per year, or about $72 per month.

  2. State Farm: $971 per year, or about $81 per month.

  3. Grange: $1,158 per year, or about $96 per month.

  4. Erie: $1,330 per year, or about $111 per month.

  5. Travelers: $1,507 per year, or about $126 per month.

Cheapest auto insurance in Tennessee for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Erie: $1,038 per year, or about $86 per month.

  2. State Farm: $1,114 per year, or about $93 per month.

  3. Tennessee Farm Bureau: $1,375 per year, or about $115 per month.

  4. Grange: $1,463 per year, or about $122 per month.

  5. Progressive: $1,502 per year, or about $125 per month.

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Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap auto insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Tennessee for 60-year-olds

Drivers in Tennessee with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. State Farm: $753 per year, or about $63 per month.

  2. Grange: $772 per year, or about $64 per month.

  3. Geico: $798 per year, or about $66 per month.

  4. Tennessee Farm Bureau: $799 per year, or about $67 per month.

  5. Nationwide: $990 per year, or about $82 per month.

Cheapest minimum coverage car insurance in Tennessee for 60-year-olds

Drivers in Tennessee who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Grange: $172 per year, or about $14 per month.

  2. Geico: $180 per year, or about $15 per month.

  3. State Farm: $206 per year, or about $17 per month.

  4. Tennessee Farm Bureau: $239 per year, or about $20 per month.

  5. Erie: $270 per year, or about $22 per month.

Cheapest auto insurance in Tennessee for 60-year-olds with poor credit

Drivers with poor credit in Tennessee can look at the following companies with the lowest average rates for full coverage:

  1. Tennessee Farm Bureau: $923 per year, or about $77 per month.

  2. Grange: $993 per year, or about $83 per month.

  3. Nationwide: $1,384 per year, or about $115 per month.

  4. Geico: $1,476 per year, or about $123 per month.

  5. Travelers: $1,769 per year, or about $147 per month.

Cheapest auto insurance in Tennessee for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Tennessee, here are the companies with the lowest average rates for full coverage:

  1. Tennessee Farm Bureau: $799 per year, or about $67 per month.

  2. State Farm: $916 per year, or about $76 per month.

  3. Grange: $1,096 per year, or about $91 per month.

  4. Erie: $1,307 per year, or about $109 per month.

  5. Travelers: $1,449 per year, or about $121 per month.

Cheapest auto insurance in Tennessee for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Erie: $1,012 per year, or about $84 per month.

  2. State Farm: $1,053 per year, or about $88 per month.

  3. Tennessee Farm Bureau: $1,270 per year, or about $106 per month.

  4. Grange: $1,356 per year, or about $113 per month.

  5. Progressive: $1,445 per year, or about $120 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 36 of the 48 driver profiles we examined.

Minimum required car insurance in Tennessee

Tennessee law requires liability car insurance for all drivers living in the Volunteer State. If you cause a crash, this coverage kicks in to pay others’ injury treatment and property damage, up to your limit.

The state’s minimum liability limits are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $15,000 property damage liability per accident.

A serious crash could easily result in damages that surpass these limits. To avoid paying out-of-pocket costs, consider selecting more than the bare minimum. You might also benefit from adding optional coverages such as collision, comprehensive and uninsured motorist insurance.

Check out NerdWallet’s guide to car insurance requirements by state for more detail on common coverage options in Tennessee and how they work.

Alternative Tennessee car insurance

If you’re denied car insurance on the voluntary market due to past violations, crashes, poor credit or other reasons, you can apply for coverage via the Tennessee Automobile Insurance Plan.

For more help finding cheap car insurance in Tennessee, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2019 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 60 years old in ten-year increments.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different.

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