Auto Insurance in Tennessee

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The average insurance premium in Tennessee is a little higher than the national average. Insurance rates, however, can vary greatly depending on factors like your driving record and where you live. Considering the differences in price and coverage options, you should get quotes from several companies before committing to an auto insurance policy.

Tennessee

Population: 6,549,352
Tennessee
$1,401
US Average
$1,669

Tennessee is far enough inland that hurricanes rarely damage property. It does, however, happen on occasion. It is much more likely that vehicles will get damaged by thunderstorms, hail, or tornadoes, however. Tennessee usually experiences no fewer than 50 days of thunderstorms and about 15 tornadoes per year, yet the state only requires drivers to carry liability coverage. Given the chance of property damage, it makes sense for Tennessee drivers to spend a little more money on comprehensive coverage.

Tennessee Minimum Liability

Bodily Injury

$25k
per person
$50k
per accident

Property Damage

$15k
per accident

Tennessee’s state minimum liability coverage is lower than the recommended amount of 50/100, which represents $50,000 per person and $100,000 per accident in bodily injury coverage. Even the recommended 50/100 may not meet the needs of many drivers.

In 2013, the average auto liability claim for bodily injury was $15,443. The average auto liability claim for property damage was $3,231. Some Tennessee drivers think that the state’s minimum coverage will protect them from extra expenses. Unfortunately, at least half of liability claims are higher than the average amounts. This can force drivers to spend tens or even hundreds of thousands of dollars out of their own pockets. Having 100/300 coverage is a better option for drivers who can afford higher premiums.

Getting quotes from several auto insurance providers is the best way to know whether you have the coverage you need at a price you can afford. Each insurance company views your driver profile in a slightly different way. This often means that some companies charge considerably lower prices than others. Though it will take some time and effort, get quotes from as many companies as you can – the potential savings will be worth it.

Cheapest Car Insurance in Tennessee

Yearly Rate

  • $1,618
    Progressive
  • $1,168
    State Farm
  • $1,635
    Liberty Mutual
  • $898
    Tennessee Farmers
  • $1,686
    Allstate

If you want to get the absolute cheapest auto insurance policy, you should contact these low-cost companies for price quotes. While comparing companies, we found that they consistently have the most affordable rates.

It is, however, important to remember that some companies cut corners to offer cheap policies. They may have poor customer service quality or make it difficult for policyholders to get their claims reimbursed. In many cases, the cheapest companies are also national corporations that are less personal than local insurance providers. If these factors don’t really matter to you, then consider getting a cheap policy from the insurers listed here.

Where is car insurance most affordable?

Where you live has a lot of bearing on how much you’ll pay for car insurance.

Where you live often affects how much insurance companies charge for coverage. The state average for Tennessee policies is slightly higher than the national average. Some cities, including Chattanooga and Johnson City, have premiums that cost less than the national average. These cheaper cities, however, are offset by the high premiums in places like Memphis, where premiums are exceptionally higher than the national average.

Since prices in Tennessee vary from city to city, it is important for residents to get several quotes. This will make it easier for you to compare prices so you know how the prices compare to national and state averages.

Chattanooga Auto Insurance

Population: 171,279
Chattanooga
$1,253
Tennessee
$1,401

Chattanooga sits in a mountainous area of southeastern Tennessee. Views of the surrounding mountains and ridges make the city’s official nickname, Scenic City, appropriate. Chattanooga has 171,279 residents, who enjoy some of the lowest auto insurance premiums in the state. The average premium for drivers in Chattanooga is considerably lower than stage average and somewhat lower than the national average.

Clarksville Auto Insurance

Population: 142,455
Clarksville
$1,310
Tennessee
$1,401

Clarksville was Tennessee’s first incorporated city. Today, it boasts a population of 142,455 residents, making it the state’s fifth largest city. Clarksville is noted as the home of Tennessee’s oldest newspaper. It is also the first Tennessee city with a population over 100,000 to elect a female mayor. The average premium for an auto insurance policy in Clarksville is somewhat lower than the state average and is practically equal to the national average.

Jackson Auto Insurance

Population: 67,685
Jackson
$1,386
Tennessee
$1,401

Jackson became an important hub for industry and transportation during the 19th century, as the United States built railroads to help southern areas recover from the Civil War. Jackson is the site where a railroad running east and west intersects a railroad that runs south and north. Several manufacturers have production facilities in the area to take advantage of Jackson’s transportation options. The city has a population of 67,685. Auto insurance premiums are slightly lower than the state average, but they are still higher than the national average.

Johnson City Auto Insurance

Population: 65,123
Johnson City
$1,150
Tennessee
$1,401

Johnson City has areas in three Tennessee counties. While this fact can make it sound large, only 65,123 live in Johnson City. Residents pay one of the lowest auto insurance rates in the state. Researchers also note that Johnson City has extremely affordable housing, utility, and transportation costs. Insurance premiums in Johnson City are also lower than the national average.

Knoxville Auto Insurance

Population: 183,890
Knoxville
$1,351
Tennessee
$1,401

Knoxville has a population of 183,890 people, making it the third largest city in Tennessee. The city suffered an economic collapse in the 1920s and an economic rejuvenation when it hosted the 1982 World’s Fair. Knoxville is also home to the University of Tennessee. The school’s football program has produced several NFL players, including at least one player who has been inducted into the NFL Hall of Fame. Knoxville residents pay slightly lower premiums than the state average, but the rates are still a little higher than the nation’s average.

Memphis Auto Insurance

Population: 653,100
Memphis
$1,650
Tennessee
$1,401

With a population of 653,100, Memphis is one of the largest cities in Tennessee. It is also the largest city on the Mississippi River. Memphis is a large, multicultural city with a thriving music and restaurant scene. Some of the country’s most notable blues and R&B artists are from Memphis. Residents pay some of the highest auto insurance premiums in the state. The rate is considerably higher than both the national and state averages.

Murfreesboro Auto Insurance

Population: 108,755
Murfreesboro
$1,313
Tennessee
$1,401

Murfreesboro is a college town with a population of 108,755 people. The city’s Middle Tennessee State University has the largest undergraduate student body of all Tennessee schools. Murfreesboro is close enough to Nashville that some residents commute between the cities. Murfreesboro is an important destination for many musicians who want to attend MTSU’s music program and perform in nearby Nashville. Residents pay insurance premiums that are about equal to the national average and considerably cheaper than the state average.

Nashville Auto Insurance

Population: 658,602
Nashville
$1,337
Tennessee
$1,401

Nashville, the capital of Tennessee, has a population of 658,602 people. The city is best known for its contributions to the country music genre. Numerous artists have started their careers by playing venues in Nashville. The city is also home to several colleges and universities, including Fisk University and Vanderbilt University. Despite its large size, car insurance premiums in Nashville are lower than the state average.

Find the best auto insurance in your area

Start by entering your zipcode and we’ll pull our top partners so you can get quotes quick.