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Best Cheap Car Insurance in Tennessee for 2021

July 12, 2021
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Because prices for auto coverage rise and fall depending on where you look, comparing quotes from several companies is the best way to find cheap car insurance in Tennessee.

 

To help you snag a competitive deal, NerdWallet sampled rates from 26 insurers in Tennessee and found the cheapest options for several driver types.

Cheapest car insurance in Tennessee for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find 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. Grange: $1,789 per year.
  2. Geico: $1,904 per year.
  3. Travelers: $2,042 per year.
  4. Tennessee Farm Bureau: $2,105 per year.
  5. State Farm: $2,492 per year.

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: $478 per year.
  2. Geico: $510 per year.
  3. Travelers: $613 per year.
  4. Tennessee Farm Bureau: $634 per year.
  5. Erie: $778 per year.

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: $650 per year.
  2. Tennessee Farm Bureau: $732 per year.
  3. Travelers: $960 per year.
  4. Geico: $1,099 per year.
  5. Allstate: $1,152 per year.

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: $562 per year.
  2. Geico: $594 per year.
  3. Tennessee Farm Bureau: $703 per year.
  4. Travelers: $797 per year.
  5. State Farm: $985 per year.

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. Grange: $823 per year.
  2. Travelers: $906 per year.
  3. Erie: $907 per year.
  4. Progressive: $940 per year.
  5. Tennessee Farm Bureau: $1,006 per year.

Cheapest car insurance in Tennessee 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. Geico: $857 per year.
  2. Grange: $905 per year.
  3. Tennessee Farm Bureau: $1,037 per year.
  4. State Farm: $1,206 per year.
  5. Travelers: $1,229 per year.

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: $182 per year.
  2. Geico: $205 per year.
  3. Tennessee Farm Bureau: $285 per year.
  4. State Farm: $345 per year.
  5. Travelers: $385 per year.

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. Tennessee Farm Bureau: $1,199 per year.
  2. Grange: $1,201 per year.
  3. Geico: $1,584 per year.
  4. Nationwide: $1,826 per year.
  5. Travelers: $2,222 per year.

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. Tennessee Farm Bureau: $1,037 per year.
  2. Grange: $1,169 per year.
  3. State Farm: $1,470 per year.
  4. Travelers: $1,620 per year.
  5. Geico: $1,777 per year.

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. Erie: $1,547 per year.
  2. Progressive: $1,552 per year.
  3. Grange: $1,594 per year.
  4. Tennessee Farm Bureau: $1,651 per year.
  5. State Farm: $1,698 per year.

Cheapest car insurance in Tennessee 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. Geico: $857 per year.
  2. Grange: $892 per year.
  3. Tennessee Farm Bureau: $936 per year.
  4. Travelers: $1,096 per year.
  5. State Farm: $1,179 per year.

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: $186 per year.
  2. Geico: $205 per year.
  3. Tennessee Farm Bureau: $263 per year.
  4. State Farm: $348 per year.
  5. Travelers: $355 per year.

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: $1,081 per year.
  2. Grange: $1,170 per year.
  3. Geico: $1,584 per year.
  4. Nationwide: $1,781 per year.
  5. Travelers: $1,985 per year.

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: $936 per year.
  2. Grange: $1,198 per year.
  3. State Farm: $1,438 per year.
  4. Travelers: $1,530 per year.
  5. Geico: $1,777 per year.

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: $1,393 per year.
  2. Progressive: $1,406 per year.
  3. Tennessee Farm Bureau: $1,488 per year.
  4. Grange: $1,570 per year.
  5. State Farm: $1,661 per year.

Cheapest car insurance in Tennessee 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 the best 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: $769 per year.
  2. Grange: $838 per year.
  3. Tennessee Farm Bureau: $850 per year.
  4. Travelers: $1,076 per year.
  5. Progressive: $1,127 per year.

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. Grange: $177 per year.
  2. Geico: $180 per year.
  3. Tennessee Farm Bureau: $245 per year.
  4. Safe Auto: $333 per year.
  5. State Farm: $345 per year.

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: $982 per year.
  2. Grange: $1,083 per year.
  3. Geico: $1,423 per year.
  4. Nationwide: $1,658 per year.
  5. Progressive: $1,836 per year.

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: $850 per year.
  2. Grange: $1,166 per year.
  3. State Farm: $1,407 per year.
  4. Travelers: $1,502 per year.
  5. Geico: $1,658 per year.

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. Progressive: $1,283 per year.
  2. Tennessee Farm Bureau: $1,351 per year.
  3. Erie: $1,364 per year.
  4. Grange: $1,469 per year.
  5. State Farm: $1,627 per year.

Cheapest car insurance in Tennessee for 65-year-old drivers

Although 65-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 mid-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 65-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. Tennessee Farm Bureau: $814 per year.
  2. Grange: $820 per year.
  3. Geico: $941 per year.
  4. Travelers: $1,052 per year.
  5. State Farm: $1,079 per year.

Cheapest minimum coverage car insurance in Tennessee for 65-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: $180 per year.
  2. Geico: $223 per year.
  3. Tennessee Farm Bureau: $250 per year.
  4. Chubb: $321 per year.
  5. State Farm: $327 per year.

Cheapest auto insurance in Tennessee for 65-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: $940 per year.
  2. Grange: $1,047 per year.
  3. Geico: $1,494 per year.
  4. Nationwide: $1,609 per year.
  5. Progressive: $1,807 per year.

Cheapest auto insurance in Tennessee for 65-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: $814 per year.
  2. Grange: $1,192 per year.
  3. State Farm: $1,321 per year.
  4. Travelers: $1,566 per year.
  5. Erie: $1,786 per year.

Cheapest auto insurance in Tennessee for 65-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. Tennessee Farm Bureau: $1,294 per year.
  2. Erie: $1,351 per year.
  3. Progressive: $1,360 per year.
  4. Grange: $1,441 per year.
  5. State Farm: $1,530 per year.

Cheapest car insurance for military families in Tennessee

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 23 of the 40 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required car insurance in Tennessee

Tennessee law requires liability 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 from an average of 14 insurers in each state and Washington, D.C., 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 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles driven.
  • We analyzed rates for drivers 20 to 80 years old in five-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 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.

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

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