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If you are looking for auto insurance in Tennessee, knowing how much it will cost is a promising idea. The average premium for car insurance in Tennessee is $1,373 per year or $114 per month. While the national average is $1,682. There is a difference of $309 less between the national average and the state average.
If you live here, you know that already. But do you know why? There are a range of factors that affect car insurance rates. A few of them are –age group, gender, driving history, credit score, and location where you live.
Apart from the factors which affect auto insurance rates, this guide also talks about the average rate of full coverage in state, companies offering cheap monthly premiums for car insurance, average car insurance rates by cities in Tennessee, and car insurance rates by age group.
Shop around and compare quotes to save money on your auto insurance. Keep reading the guide to make sure the insurance policy does not cost you more than your requirements.
| Summary of average car insurance cost in Tennessee | ||
|---|---|---|
| Average annual cost $1,373 | Average per month cost $114 | Average cost for state minimum coverage $368 / Year |
| Cheapest car insurance company USAA ($966/ Year) | Average cost for young drivers $2,256 / Year | Average cost for Senior drivers $1,316 / Year |
KEY TAKEAWAYS
- The average car insurance cost in Tennessee is $1,373 per year, based on Insure.com’s analysis.
- In Tennessee, the average premium for car insurance is $114 per month.
- USAA has the cheapest car insurance rates in Tennessee, at an average annual rate of $966 a year.
Average car insurance cost in Tennessee per month
In Tennessee, the average premium for car insurance is $114 per month.
The price for the same coverage may differ between companies, which is true of every auto insurance company. When looking for car insurance rates in Tennessee, it is a promising idea to get quotes from many firms.
As per the rate analysis conducted by Insure.com, the company which offers cheapest car insurance premiums in Tennessee is USAA. The average annual cost is $966 while the average cost per month is $81. The second-best option available is, Geico, offering insurance at an average per month cost of $82.
The table below lists the other available car insurance companies which offer car insurance in Tennessee, along with their average cost per month and average annual cost.
| Company name | Average per month cost | Average annual cost |
|---|---|---|
| USAA | $81 | $966 |
| Geico | $82 | $982 |
| Auto-Owners | $90 | $1,077 |
| Nationwide | $90 | $1,082 |
| State Farm | $99 | $1,187 |
| Travelers | $103 | $1,232 |
| Erie Insurance | $112 | $1,349 |
| Farmers Insurance | $136 | $1,637 |
| Allstate | $161 | $1,928 |
| Progressive | $169 | $2,025 |
Read our guide to best car insurance companies of 2022
Average cost of car insurance by coverage levels in Tennessee
The amount of coverage you purchase has an impact on how much car insurance costs in Tennessee. Your premium is determined by your liability limits, as well as whether you want comprehensive and collision coverage.
Liability only insurance protects a third party’s property damage and personal injuries in the event of an accident. In the case of a collision, having only liability coverage on your auto insurance would not cover your injuries or personal property damage since you are the driver responsible for the accident. If your coverage limit is 50/100/50 Liability only, the average cost per year in Tennessee is $445.
When you add more coverage to your policy, your insurance premium increases. As the insurance provider will have to compensate you if you are in an accident or suffer damage in any other manner. Hence, the average cost of full coverage car insurance in Tennessee is $1,373 per year.
For someone who does not own the car, but frequently rents a car, non-owner state minimum liability coverage is best suited. It is like liability-only coverage and covers for property damage and bodily injury caused to another driver. In Tennessee, the average annual cost for non-owner state minimum liability only is $300.
And for those who wish to save money on car insurance premiums can opt to have only the state minimum liability coverage, to be able to legally drive in the state. The state minimum liability only coverage costs $368 per year in Tennessee.
| Coverage limits | Average annual cost |
|---|---|
| 50/100/50 Liability Only | $445 |
| 100/300/100 Liability with $500 Comp/Coll Deductible | $1,373 |
| Non-Owner State Minimum Liability Only | $300 |
| State Minimum Liability Only | $368 |
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Average car insurance cost in Tennessee by City
Your car insurance premium is determined by a variety of factors, including your state, city, and even ZIP code. The incidence of accidents and the likeliness of vehicle theft or vandalism can influence the overall cost of a city or ZIP code.
The table below depicts the top popular cities in Tennessee:
| City | Average annual cost |
|---|---|
| Memphis | $1,725 |
| Knoxville | $1,302 |
| Chattanooga | $1,283 |
| Clarksville | $1,315 |
| Murfreesboro | $1,292 |
| Franklin | $1,246 |
| Jackson | $1,401 |
| Johnson City | $1,132 |
| Bartlett | $1,508 |
| Hendersonville | $1,253 |
Auto insurance premiums vary significantly from city to city, so drivers need to be sure they’re getting the best deal. Insure.com has done the research for you. Get more information on auto insurance rates by city below.
Car insurance rates in Tennessee by city
Average car insurance cost in Tennessee by age of the driver
Age is also a consideration when it comes to auto insurance rates. Teens are more likely to be in automobile accidents than any other generation. For example, the average annual rate for young drivers in Tennessee is $2,256 while for seniors is $1,316. Here, the rate for young drivers is $940 more than the rate for senior drivers.
According to statistics, young drivers are more likely to be in a vehicle accident than more experienced drivers. As a result, they are deemed high-risk and costly to insure. They are considered a high-risk driver because of over-speeding and less driving experience on road. Although, premiums start to rise again about age 70 when some aspects of aging start affecting driving abilities.
Average car insurance cost in Tennessee for young drivers
The average car insurance cost for female young drivers in Tennessee is $2,096 per year or $175 per month and rate for a male young driver is $2,417 per year or $201 per month.
The average annual rates for young male and female drivers are listed in the table below:
| Age of driver | Average annual cost for Male drivers | Average annual cost for Female drivers |
|---|---|---|
| 18 | $5,366 | $4,612 |
| 19 | $3,577 | $3,034 |
| 20 | $3,234 | $2,728 |
| 21 | $2,573 | $2,196 |
| 22 | $2,261 | $1,969 |
| 23 | $2,103 | $1,853 |
| 24 | $1,913 | $1,733 |
| 25 | $1,725 | $1,609 |
Average car insurance cost in Tennessee for senior drivers
In Tennessee, the cost of car insurance for senior female driver is $1,296 per year or $108 per month and cost of car insurance for male senior driver is $1,336 per year or $111 per month.
| Age of driver | Average annual cost for Male drivers | Average annual cost for Female drivers |
|---|---|---|
| 65 | $1,278 | $1,245 |
| 70 | $1,383 | $1,345 |
| 75 | $1,528 | $1,454 |
Read more about senior car insurance
Cheapest cars to insure in Tennessee
| Make | Model | Average annual premium |
|---|---|---|
| Ford | Transit Connect Titanium | $1,119 |
| Toyota | C-HR Limited | $1,125 |
| Chrysler | Voyager LX | $1,140 |
| Mazda | CX-30 S | $1,148 |
| Subaru | Forester 2.5I | $1,148 |
| Mazda | CX-5 S | $1,153 |
| Kia | Seltos EX | $1,157 |
| Hyundai | Venue SE | $1,158 |
| Subaru | Outback 2.5I | $1,165 |
| Subaru | Crosstrek 2.5I Limited | $1,165 |
Most expensive cars to insure in Tennessee
| Make | Model | Average annual premium |
|---|---|---|
| Maserati | Quattroporte | $4,647 |
| Maserati | Levante Trofeo | $4,093 |
| Maserati | Ghibli Modena | $4,036 |
| Maserati | Ghibli GT | $3,908 |
| Tesla | Model S Plaid | $3,847 |
| Porsche | Taycan Turbo S | $3,517 |
| Maserati | Ghibli Trofeo | $3,393 |
| Porsche | 911 Turbo | $3,294 |
| BMW | M8 Competition XDrive | $3,260 |
| BMW | M5 | $3,250 |
Note: For coverage limit: 100/300/50 liability with a $500 comprehensive and collision deductible.
