Tennessee Car Insurance Calculator
Calculate your auto insurance cost in Tennessee. Compare with state averages and find savings.
$1,567
Avg Annual Premium
25/50/15
Min Liability
Monthly Avg
$131
Full Coverage
$2,034
Min Coverage
$534
Uninsured Rate
19.6%
Tennessee Car Insurance Requirements
Minimum Liability Coverage
Bodily Injury (per person)$25,000
Bodily Injury (per accident)$50,000
Property Damage$15,000
Additional Requirements
PIP RequiredNo
Uninsured MotoristOptional
Med Pay RequiredNo
Factors Affecting Car Insurance Rates in Tennessee
High uninsured rateNashville trafficGrowing population
Major Metro Areas in Tennessee
NashvilleMemphisKnoxvilleChattanoogaClarksville
FAQ
Tennessee Car Insurance FAQ
Everything you need to know about car insurance rates, requirements, and savings in Tennessee
The average annual car insurance premium in Tennessee is $1,567, or about $131 per month. Full coverage averages $2,034 annually, while minimum coverage averages $534. Your actual rate depends on your age, driving record, vehicle, and coverage level.
Tennessee requires minimum liability coverage of 25/50/15 ($25,000/$50,000 for bodily injury and $15,000 for property damage).
Key factors affecting Tennessee car insurance rates include: High uninsured rate, Nashville traffic, Growing population. Additionally, your age, driving history, credit score, vehicle type, annual mileage, and coverage level all impact your premium.
Approximately 19.6% of drivers in Tennessee are uninsured. This is higher than the national average, making uninsured motorist coverage especially important. Uninsured motorist coverage protects you if you're hit by an uninsured driver.
To lower your Tennessee car insurance: 1) Compare quotes from multiple insurers like State Farm, GEICO, Progressive. 2) Increase your deductible. 3) Bundle with home insurance. 4) Take a defensive driving course. 5) Maintain a clean driving record. 6) Ask about discounts for low mileage, good students, or safe driving apps.
The top car insurance companies in Tennessee include: State Farm, GEICO, Progressive, Allstate, Tennessee Farmers. Each company offers different rates and discounts, so it's best to compare quotes from multiple insurers to find the best rate for your situation.
TN Insurance Costs
Average premiums in Tennessee:
- Annual Average$1,567
- Monthly Average$131
- Full Coverage$2,034
- Minimum Coverage$534
TN Requirements
Minimum coverage required:
- Liability25/50/15
- PIP RequiredNo
- UM RequiredNo
- Uninsured Rate19.6%
Top TN Insurers
Popular insurance companies:
- •State Farm
- •GEICO
- •Progressive
- •Allstate
- •Tennessee Farmers