Finding Affordable Auto Insurance In Tennessee

Tennessee has some of the lowest car insurance rates in the country, with an average annual rate of $1,264. The cheapest car insurance company in Tennessee is State Farm, with an average annual rate of $473 for a six-month policy. Tennessee Farm Bureau, Erie, and Auto-Owners Insurance Co are also among the cheapest car insurance companies in the state.

Cheapest car insurance for teens in Tennessee

Car insurance for teens can be expensive, but there are ways to save money. One of the best ways to save is to add a teen to a parent's policy. This can save up to 62% compared to a teen buying their own policy.

Cheapest car insurance companies in Tennessee for teens

According to ValuePenguin, Erie has the cheapest full coverage quotes in Tennessee, with an average of $107 per month. Farm Bureau has the best cheap liability-only rates, at $33 per month.

USAA is also a good option for teens with parents who are military members or veterans.

Cheapest car insurance companies in Tennessee for teens with a speeding ticket or accident

For teens with a speeding ticket or accident, Erie also has the best rates. A minimum liability policy from Erie costs $99 per month for an 18-year-old after a speeding ticket. That's $60 per month cheaper than the Tennessee average.

Cheapest car insurance companies in Tennessee for teens with a DUI

Progressive has the best rates in Tennessee for drivers with a DUI. A full coverage policy from Progressive costs $150 per month, which is 28% cheaper than the state average of $209 per month.

Cheapest car insurance companies in Tennessee for teens with poor credit

Farm Bureau has the most affordable full coverage insurance for Tennessee drivers with poor credit, at $158 per month. That's nearly $100 per month cheaper than the state average, which is $251 per month.

Cheapest car insurance for young adults in Tennessee

Car insurance for young drivers is typically the most expensive kind of cover you can get. Young drivers are considered more of a risk for insurance providers due to their lack of driving experience.

In Tennessee, young drivers pay especially high rates: $4,351 per year — 245% more than a typical Tennessee driver.

However, there are still ways to find cheaper car insurance quotes for young drivers.

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:

• Tennessee Farm Bureau
• Erie
• State Farm

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:

• Tennessee Farm Bureau
• Erie
• State Farm

Cheapest car 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:

• Tennessee Farm Bureau
• Erie
• State Farm

Cheapest car insurance in Tennessee for 20-year-old drivers with one speeding ticket

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

• Tennessee Farm Bureau
• Erie
• State Farm

Cheapest car 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:

• Tennessee Farm Bureau
• Erie
• State Farm

Cheapest car 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.

• Tennessee Farm Bureau
• Erie
• State Farm

Cheapest car insurance for seniors in Tennessee

Tennessee's auto insurance rates are lower than the national average, with drivers in the state paying about 17% less for car insurance. The average car insurance rate in Tennessee is $1,262 per year.

The cheapest car insurance companies in Tennessee for seniors are:

• Nationwide
• USAA
• Travelers
• Erie
• Auto-Owners Insurance
• Geico
• Progressive

Nationwide has the cheapest car insurance for senior drivers, costing an average of $1,402 a year. USAA is the cheapest car insurance company for seniors age 65, costing an average of $1,322 a year. Erie received an A- grade from collision repair specialists for its collision repair process, which is the highest among the companies we analysed.

Cheapest car insurance for drivers with a DUI in Tennessee

Tennessee drivers with a DUI on their record can expect their insurance rates to increase by 61% on average. A DUI conviction can increase your annual car insurance premium by an average of $1,565.

Progressive is the cheapest car insurance company in Tennessee for drivers with a DUI, with an average rate of $150 per month. The next cheapest insurers for drivers with a DUI are State Farm and Farmers.

If you have a DUI, you may also need to get SR-22 insurance in Tennessee. An SR-22 filing can cost an extra $15 to $50.

Cheapest car insurance in Tennessee by city

The cheapest car insurance in Tennessee varies by city, with Memphis having the most expensive rates and Bristol and Walnut Hill having the cheapest.

Memphis

Memphis has the most expensive car insurance in Tennessee, with an average rate of $171 per month for full coverage.

Bristol and Walnut Hill

Located on the Tennessee-Virginia border, Bristol and Walnut Hill have the cheapest rates in the state, averaging $109 per month.

Knoxville

Full coverage car insurance in Knoxville costs around $130 per month, which is about the same as the Tennessee state average.

Nashville

Nashville is one of the most expensive cities in Tennessee for car insurance, with rates 11% higher than the state average.

Chattanooga

Chattanooga is one of the more affordable cities in Tennessee for car insurance, with rates 12% lower than the state average.

Clarksville

Clarksville is another affordable city for car insurance in Tennessee, with rates 10% lower than the state average.

Frequently asked questions