USAA provides the cheapest full coverage car insurance in Tennessee at about $966 a year. (USAA offers car insurance only to members of the military, veterans and their immediate families.) Your specific rates may vary, but the average full coverage car insurance premium in Tennessee is $114 per month, according to Insure.com’s 2022 rate analysis.

Car insurance is a legal requirement in most states, and Tennessee is no exception. Tennessee drivers are required to carry at least the minimum amount of liability coverage—$15,000 of personal property coverage per person, $25,000 for bodily injury per person and $50,000 for bodily injury per accident.

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However, many drivers choose to purchase full coverage car insurance, which provides additional protection in the event of an accident.

What is full coverage car insurance in Tennessee?

Full coverage car insurance includes bodily injury and property damage liability coverage, as well as comprehensive and collision coverage, according to the Insurance Information Institute (III). Collision insurance covers your vehicle if it’s damaged or destroyed in an accident, while comprehensive insurance provides protection against damage that is caused by something other than collisions such as weather or theft.

If you lease or finance your car in Tennessee, your lender may ask you to purchase collision and comprehensive insurance beyond the state-mandated liability coverage. Every state except New Hampshire and Virginia requires drivers to get liability coverage, while comprehensive and collision coverage are optional. However, in Virginia, you have to pay an uninsured motorist fee of $500.

Average full coverage car insurance cost in Tennessee

Full coverage insurance costs more than minimum liability insurance, but the extra cost is worth it for most drivers. Average cost of full coverage car insurance in Tennessee is 18% less than the national average cost of full coverage insurance in the U.S.

There are different full coverage limits that a driver can purchase. However, Insure.com editors recommend that every driver should carry 100/300/100 coverage limits.

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Cheapest full coverage car insurance rate in Tennessee by company

USAA offers the cheapest full coverage car insurance in Tennessee an average of $966 per year. It’s 30% less expensive than the average full coverage car insurance cost in Tennessee. The rates will vary based on factors such as your driving history, age, ZIP Code and the make and model of your car.

When shopping for auto insurance, compare rates from multiple companies to make sure you’re getting the best deal.

Below are the annual rates for car insurance from major insurance companies.

 

Company Full coverage insurance cost
USAA $966
Geico $982
Auto-Owners $1,077
Nationwide $1,082
State Farm $1,187
Travelers $1,232
Erie Insurance $1,349
Farmers Insurance $1,637
Allstate $1,928
Progressive $2,025

 

Full coverage car insurance cost in Tennessee by ZIP code

Full coverage car insurance premiums vary significantly by ZIP code. Insurance companies consider factors such as the crime rate in an area, the number of claims filed, types of claims filed to determine annual premiums. Below are the least and most expensive ZIP codes for full coverage car insurance.

Most expensive ZIP codes for car insurance in Tennessee

Drivers living in the ZIP code 38127 pay the highest premiums at about $1,848 a year. ZIP codes with a higher number of car thefts or vandalism also tend to have higher car insurance rates.

Find below the most expensive ZIP codes for car insurance in Tennessee.

 

ZIP code Full coverage insurance cost
38127 $1,848
38118 $1,832
38116 $1,828
38112 $1,825
38109 $1,821
38132 $1,815
38126 $1,814
38108 $1,810
38131 $1,809
38122 $1,801

 

Least expensive ZIP codes for car insurance in Tennessee

37604 ZIP code in Tennessee has the cheapest full coverage auto insurance cost at an average price of $1,123 annually. Know the least expensive ZIP codes for car insurance in Tennessee below.

 

ZIP code Full coverage insurance cost
37604 $1,123
37601 $1,128
37615 $1,135
37614 $1,143
37659 $1,145
37620 $1,148
37663 $1,148
37690 $1,148
37618 $1,154
37686 $1,158

 

Tennessee full coverage car insurance rate by age

Young drivers in Tennessee tend to pay higher insurance rates than adult drivers because they are more likely to get into accidents and file claims on their insurance policy. A 16-year-old driver pays 434% more than a 40-year-old mature driver in Tennessee, based on Insure.com’s analysis.

The table below shows full coverage car insurance rates for drivers of different ages:

 

Age group Full coverage annual premiums
Teen drivers (age 16-19) $5,611
Young drivers (age 20-24) $2,417
Adult drivers (age 25-64) $1,418
Senior drivers (age 65+) $1,358

 

Read our Guide to car insurance for teens for more information

Car insurance rates in Tennessee by driver history

Your driving history is one of the main factors insurers look at when considering insurance rates. If you are responsible for a car accident or get convicted of a driving infraction, your auto insurance premiums will likely go up. However, if you have a clean driving record, insurance companies see you as a low-risk driver and you are likely to get cheap full coverage car insurance.

Cheapest full coverage car insurance after a speeding ticket in Tennessee

Getting a speeding ticket is never any fun. Not only will you have to pay a fine, but your insurance rates may go up. A single speeding ticket can increase your rates by 31% or $415 in Tennessee, based on Insure.com data.

But if you’re looking for affordable coverage, below are some insurers that offer cheap full-coverage car insurance after a speeding ticket.

 

Company Average annual premium New rate after incident % Increase $ Increase
USAA $925 $1,100 19% $175
State Farm $1,108 $1,208 9% $100
Nationwide $1,074 $1,264 18% $190
Erie $1,457 $1,503 3% $46
Geico $1,023 $1,674 64% $650
Auto-Owners $1,101 $1,763 60% $662
Travelers $1,276 $1,853 45% $577
Allstate $1,903 $2,146 13% $243
Farmers $1,575 $2,221 41% $645
Progressive $1,941 $2,570 32% $629

 

Cheapest full coverage car insurance after an accident in Tennessee

No one plans on getting into a car accident, but unfortunately, they happen. If you are in an accident and are at fault, you will probably see your car insurance premiums increase. However, this does not mean you can’t shop around to find the best rates.

State Farm offers the cheapest car insurance rates to drivers after an at-fault accident, at about $1308 a year. (USAA offers car insurance only to members of the military, veterans and their immediate families.) Below, you’ll see which companies have cheap car insurance for drivers with one accident on their record.

 

Company Average annual premium New rate after incident % Increase $ Increase
State Farm $1,108 $1,308 18% $200
USAA $925 $1,390 50% $465
Nationwide $1,074 $1,658 54% $584
Travelers $1,276 $1,818 42% $542
Erie $1,457 $1,854 27% $397
Geico $1,023 $1,867 82% $844
Auto-Owners $1,101 $2,550 132% $1,449
Farmers $1,575 $2,564 63% $988
Allstate $1,903 $2,758 45% $855
Progressive $1,941 $3,221 66% $1,280

 

Cheapest full coverage car insurance after a DUI conviction in Tennessee

If you’ve recently been convicted of a DUI, you may wonder how it will affect your car insurance rates. Most insurers will view you as a high-risk driver and will charge you higher rates.

The table below shows the insurance companies offering cheap car insurance rates to drivers after a DUI conviction.

 

Company Average annual premium New rate after incident % Increase $ Increase
State Farm $1,108 $1,208 9% $100
USAA $925 $1,766 91% $841
Geico $1,023 $1,864 82% $840
Travelers $1,276 $1,976 55% $700
Nationwide $1,074 $2,040 90% $966
Progressive $1,941 $2,180 12% $239
Erie $1,457 $2,202 51% $745
Allstate $1,903 $2,645 39% $742
Farmers $1,575 $3,323 111% $1,748
Auto-Owners $1,101 $3,604 227% $2,503

 

When it comes to car insurance, everyone is always looking for ways to save. However, skimping on coverage to save a few dollars now could end up costing you dearly down the road.

Make sure you’re adequately protected and take into account your specific needs before buying an auto insurance policy.

Source:

  • Insurance Information Institute. “What is auto insurance.” Accessed August 2022.

Methodology

Insure.com gathered the quotes with the help of Quadrant Information Institute. We collected full coverage car insurance rates from major insurance companies for multiple ZIP codes across Tennessee.

The full coverage rates are based on a sample driver profile of a 40-year-old man with a driving record and good credit score.