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Best Tennessee Car Insurance Companies

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    After comparing more than a dozen major insurance carriers, we were able to narrow our list down to the best car insurance companies in Tennessee. We examined everything from price to customer satisfaction to financial strength. The state’s drivers already enjoy below-average insurance rates, and the best car insurance in Tennessee is surprisingly affordable.

    The 5 Best Auto Insurance Companies in Tennessee

    • Geico: Best for low prices
    • USAA: Best for military families
    • Erie: Best for customer satisfaction
    • State Farm: Best overall
    • Progressive: Best for high-risk drivers

    Compare the Best Car Insurance Companies in Tennessee

    Average Price for State Minimum* Average Price for Full Coverage* Reviews.com Score Score is based on company’s customer experience, financial stability, and coverage options. AM Best Financial Strength AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim. J.D. Power Overall Customer Satisfaction J.D. Power scores are based on surveys for customer satisfaction and product quality.
    Pin Geico$445.44$1,783.564.4/5A++857/1,000
    Pin USAA$615.04$1,886.094.8/5A++909/1,000
    Pin Erie$754.74$2,487.214/5A+871/1,000
    Pin State Farm$615.98$2,077.344.2/5A++835/1,000
    Pin Progressive$554.59$1,956.124.4/5A+848/1,000

    Information accurate as of 11/13/2020

    * Data provided by Coverage.com

    Geico

    Geico

    Best for low prices

    Why we chose it

    Not only does Geico have the best rates in Tennessee, but it also has great customer satisfaction scores.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $445.44* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 857** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Not only does Geico have the best rates in Tennessee, but it also has great customer satisfaction scores.

    Pros

    • Low annual premiums
    • Excellent customer satisfaction
    • Extensive discounts

    Cons

    • No gap coverage
    • Can be expensive for poor driving records or bad credit
    Read More

    Types of Coverage Offered

    • Liability
    • Medical payments
    • Uninsured & underinsured motorist
    • Collision
    • Comprehensive
    • Roadside assistance
    • Rental reimbursement
    • Mechanical breakdown

    Discounts Available

    • Vehicle equipment features
    • New vehicle
    • Good driver
    • Seat belt use
    • Defensive driving
    • Driver’s education course
    • Good student
    • Emergency deployment
    • Membership & employee
    • Military
    • Multi-vehicle
    • Multi-policy

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on Geico:

    USAA

    USAA

    Best for military families

    Why we chose it

    USAA offers unmatched customer satisfaction and affordable rates, but is available only to military families.
    • 4.8 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $615.04* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 909** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    USAA offers unmatched customer satisfaction and affordable rates, but is available only to military families.

    Pros

    • Excellent customer satisfaction
    • Financially strong

    Cons

    • Only available to military members and their families
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Personal injury protection
    • Extended benefits
    • Uninsured & underinsured motorist
    • Roadside assistance
    • Rental reimbursement
    • Accident forgiveness

    Discounts Available

    • Safe driver
    • Defensive driving
    • Driver training
    • Good student
    • New vehicle
    • Multi-vehicle
    • Annual mileage
    • Vehicle storage
    • Family discount
    • Length of membership
    • Military installation
    • Full pay

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on USAA:

    Erie

    ERIE Insurance

    Best for customer satisfaction

    Why we chose it

    Erie Insurance offers some of the best customer satisfaction on the market and many discounts for Tennessee drivers.
    • 4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $754.74* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 871** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Erie Insurance offers some of the best customer satisfaction on the market and many discounts for Tennessee drivers.

    Pros

    • Top-rated customer satisfaction
    • Many available discounts
    • Erie Rate Lock

    Cons

    • High annual premiums
    • No mobile app
    Read More

    Types of Coverage Offered

    • Collision
    • Liability
    • Comprehensive
    • Transportation expense/rental car coverage
    • Roadside assistance
    • New car protection
    • Better car protection
    • Rideshare

    Discounts Available

    • Erie Rate Lock
    • Multi-policy
    • First accident forgiveness
    • Diminishing deductible
    • Vehicle storage
    • Safety savings
    • Payment perks
    • Youthful driver discount
    • College credit

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on Erie:

    State Farm

    State Farm

    Best overall

    Why we chose it

    State Farm is the #1 provider of auto insurance in Tennessee, with more than 20% of the market share, and offers unique coverage options.
    • 4.2 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $615.98* Average Premium Pricing data comes from our partners at Coverage.com.
    • A++ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 835** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    State Farm is the #1 provider of auto insurance in Tennessee, with more than 20% of the market share, and offers unique coverage options.

    Pros

    • Innovative coverage options include rideshare
    • Above-average claims satisfaction
    • Financially strong

    Cons

    • Limited discounts
    • Below-average customer satisfaction
    Read More

    Types of Coverage Offered

    • Collision
    • Comprehensive
    • Liability
    • Rental and travel expense
    • Uninsured & underinsured motorist
    • Medical payments
    • Roadside assistance
    • Rideshare driver

    Discounts Available

    • Drivewise
    • Steer Clear
    • Accident-free
    • Defensive driving
    • Student discounts
    • Driver training
    • Good driving
    • Vehicle safety features
    • Multi-car
    • Multiple-policy

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on State Farm:

    Progressive

    Progressive

    Best for high-risk drivers

    Why we chose it

    Progressive is well-known in the industry for its affordable insurance rates and providing coverage to high-risk drivers.
    • 4.4 Reviews Score Score is based on company’s customer experience, financial stability, and coverage options.
    • $554.59* Average Premium Pricing data comes from our partners at Coverage.com.
    • A+ AM Best Rate AM Best rates insurance providers creditworthiness. Ratings are based on the provider’s ability to follow through with a payout when a consumer files a claim.
    • 848** J.D. Power J.D. Power scores are based on surveys for customer satisfaction and product quality.

    Why we chose it

    Progressive is well-known in the industry for its affordable insurance rates and providing coverage to high-risk drivers.

    Pros

    • Excellent discounts
    • Many digital tools available
    • Coverage for high-risk drivers

    Cons

    • Just below average customer satisfaction
    • Discounts aren’t available in all states
    Read More

    Types of Coverage Offered

    • Liability
    • Comprehensive
    • Collision
    • Uninsured & underinsured motorist
    • Medical payments
    • Roadside assistance
    • Loan/lease payoff
    • Rental car reimbursement
    • Customer parts and equipment value
    • Rideshare coverage
    • Deductible savings bank

    Discounts Available

    • Multi-policy
    • Multi-car
    • Continuous insurance
    • Safe driver
    • Teen & student driver discounts
    • Homeowner
    • Online quote
    • Sign online
    • Paperless billing
    • Pay in full
    • Automatic payment

    * Data provided by Coverage.com, price based on the state minimum required policy.

    **J.D. Power’s 2020 U.S. Auto Insurance Study rating for the Southeast region. Based on a 1,000-point scale.

    Further Reading on Progressive:

    The average cost of car insurance in Tennessee

    Tennessee drivers enjoy relatively affordable car insurance. Minimum coverage as required by the state can cost an average of $358, while full coverage can run you about $1,281. Of the companies we compared, prices ranged from $455 to $754 for the state minimum requirements.

    The cost of car insurance can vary from one company to another and from one person to the next. Location plays a role, as those who live in areas with inclement weather or notoriously dangerous drivers may pay higher rates. Factors such as driving history, credit score, and age can also help determine your rates — the cleaner your driving record and higher your credit, the cheaper the car insurance you can get.

    Top 3 Cheapest Car Insurance Companies in  Tennessee

    CompanyAverage Annual Premium
    Trustgard Insurance Company$273.03
    Tennessee Farmers Mutual$331.01
    Geico$445.44

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Car Insurance Companies in Tennessee

    CompanyAverage Annual Premium
    Erie Insurance$754.74
    Garrison Property & Casualty$724.95
    Mountain Laurel Assurance Company$721.37

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Cheapest Cities for Car Insurance in Tennessee

    CityAverage Annual Premium*
    Hohenwald$460.43
    Martin$466.59
    Lafayette$466.97

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Top 3 Most Expensive Cities for Car Insurance in Tennessee

    CityAverage Annual Premium*
    Germantown$697.79
    Bartlett$708.97
    Memphis$763.10

    * Data provided by Coverage.com, price based on the state minimum required policy.

    Car Insurance Add-Ons That Will Further Protect You 

    • Gap insurance: Cars lose their value fairly quickly, meaning it’s not impossible to be in a situation where you owe more on your car than it’s worth. If you’re in an accident, gap insurance ensures your provider will cover the full owed amount.
    • Uninsured/underinsured motorist: If you’re in an accident where the at-fault driver doesn’t have insurance, this coverage, required in some states, will cover the damage.
    • Rideshare: Rideshare drivers may need special coverage, which a handful of insurance companies provide.
    • Roadside assistance: Most insurance companies offer this optional coverage, which you can call for a tow, tire change, battery jump, etc.
    • Accident forgiveness: While auto insurance rates usually increase after an accident, this optional coverage can keep them low after just one accident.

    Guide to Tennessee Car Insurance 

    Drivers should always familiarize themselves with their state’s unique car insurance laws before getting on the road. The laws vary from state to state. 

    Tennessee Minimum Insurance Requirements

    The state of Tennessee requires that all drivers cover minimum liability insurance. As of 2017, uninsured drivers in the state will be subject to fines and vehicle registration suspension.

    Minimum liability required in the state of Tennessee is divided as follows:

    • $25,000 per accident for bodily injury/death of one person
    • $50,000 per accident for bodily injury/death of multiple persons
    • $15,000 per accident for property damage

    While the state of Tennessee doesn’t require that drivers carry collision or comprehensive insurance, car lenders may require it.

    Tennessee’s At-Fault Law

    Tennessee is a “fault” state, meaning the person who causes an accident bears any financial responsibility. The liability insurance that Tennessee requires is intended to cover any bodily injury or property damage for the at-fault driver.

    Tennessee Car Insurance FAQ 

    What is the minimum car insurance required in Tennessee?

    Tennessee is an at-fault state and requires all drivers to carry 25-50-15 bodily injury and property damage liability insurance. This translates to 25,000 bodily injury per person, per accident, 50,000 bodily injury for multiple people and 15,000 per accident for property damage.

    What is the average auto insurance cost in Tennessee?

    The average car insurance policy in Tennessee cost is $358 for the state minimum liability policy and $1,281 for full coverage. Both types of policies in Tennessee are below the national average, which are $548 for minimum liability and $1,555 for full coverage.

    What is the cheapest car insurance company in Tennessee?

    The cheapest car insurance in Tennessee is offered by Trustgard with an average of $273 for a minimum liability coverage. Nonetheless, each insurer has its own algorithm to calculate your premium, and factors such as your address, age and the car you drive influence your final cost. To find the cheapest car insurance for your  needs, you should gather quotes from several companies and select the one that offers the coverage you need at the lowest price.

    Methodology

    Reviews.com scores products, services and companies using five quantifiable criteria to help readers choose the best one for them. For the best car insurance in Tennessee, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores and online resources from each company and averaged the scores to produce our very own Reviews.com score. These scores were created with our readers in mind and are meant to be a helpful tool to simplify the process of choosing which car insurance company is best for you. 

    As for average pricing, we used Coverage.com’s data of car insurance in Tennessee, based on the profiles of a 30-year male and female. For full coverage, the details used were the following:

    • $100k bodily injury liability per person
    • $300k bodily injury liability coverage per crash
    • $100k property damage liability coverage per crash
    • $500 collision coverage deductible
    • $500 comprehensive coverage deductible

    Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting five days a week and driving 12,000 miles per year. Since auto insurance rates vary widely among different profiles, we encourage you to compare options that fit your specific needs.

    About the Authors

    Erin Gobler is an insurance writer for Reviews.com. Over the past three years, she has covered personal finance topics such as insurance, banking, mortgages, and more. Her work has been featured in sites such as The Simple Dollar, Bankrate, and Coverage.com. She holds a bachelor’s degree in Journalism from the University of Wisconsin-Oskosh. Erin’s favorite Reviews.com article is the State Farm Renters Insurance Review.