Key Takeaways
- State Farm has the lowest auto insurance rates in Tennessee, with an average monthly cost of $31 for minimum coverage and $71 for full coverage.
- On average, Tennessee drivers pay $112 a month for full coverage and $51 a month for minimum coverage.
- Farm Bureau is the cheapest insurance option for drivers with bad credit.
In this article
The cheapest car insurance companies in Tennessee
State Farm is the cheapest car insurance company for most Tennessee drivers, leading the way for:
- Full and minimum coverage
- Young drivers
- Married drivers
- Senior drivers
Farm Bureau has the cheapest rates for drivers with bad credit.
In some cases, USAA charges the state’s lowest car insurance rates. You have to be current or former military, or related to someone who is, to get insurance from USAA, though.
To find out which insurer is the cheapest for you, compare car insurance quotes from several companies.
Tennessee car insurance state minimums
Tennessee drivers are required by law to carry liability car insurance coverage that meets the following state-mandated minimums for bodily injury and property damage.
| Coverage type | State requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
Additionally, Tennessee drivers may add extra coverage such as comprehensive and collision, as well as coverage for medical payments, towing costs and rental cars.
Cheapest minimum-coverage auto insurance rates in Tennessee: State Farm
State Farm has the cheapest auto insurance for Tennessee drivers who want state-minimum coverage, charging an average $31 a month.
That’s nearly 40% less than the statewide average cost of minimum-coverage car insurance, which is $51 a month.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $31 |
| Farm Bureau | $42 |
| GEICO | $49 |
| Erie | $53 |
| Progressive | $54 |
| Nationwide | $54 |
| Allstate | $87 |
| USAA | $34 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
See how much you could save on car insurance
Cheapest full-coverage auto insurance rates in Tennessee: State Farm
State Farm has Tennessee’s most affordable full-coverage auto insurance, offering a monthly rate of $71.
The average Tennessee driver pays $112 a month for full-coverage auto insurance, meaning State Farm’s rate is 37% cheaper.
No state requires full-coverage auto insurance, which typically includes collision, comprehensive and liability coverage. Still, it’s recommended for drivers with new or expensive vehicles. Additionally, some lenders and lessors require it.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $71 |
| Nationwide | $93 |
| Erie | $112 |
| GEICO | $113 |
| Farm Bureau | $120 |
| Progressive | $126 |
| Allstate | $183 |
| USAA | $75 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
Cheapest car insurance in Tennessee for drivers with bad credit: Farm Bureau
Farm Bureau is the best option in Tennessee for drivers with bad credit who want cheap auto insurance. It offers them full-coverage policies for an average $139 a month.
In Tennessee, the average driver with bad credit pays $198 a month for car insurance. Those with good credit pay $112 a month, on average. This is due to correlations between credit score and driving record, which often causes insurers to charge more.
| Insurance company | Monthly rate |
|---|---|
| Farm Bureau | $139 |
| GEICO | $154 |
| Nationwide | $154 |
| Progressive | $212 |
| State Farm | $225 |
| Erie | $257 |
| Allstate | $309 |
| USAA | $133 |
| Rates are for full-coverage car insurance for a 35-year-old male with poor credit and a good driving record. | |
Cheapest car insurance for drivers with a prior incident
State Farm has the cheapest car insurance for drivers with a prior incident. This includes those with tickets, accidents or DUIs on their driving records.
Cheapest for drivers with a speeding ticket: State Farm
Drivers with a speeding ticket should head to State Farm for cheap car insurance. It offers a state-best rate of $78 a month in this situation.
State Farm’s rate is $50 less than the statewide average for drivers with a ticket.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $78 |
| GEICO | $113 |
| Farm Bureau | $120 |
| Erie | $122 |
| Nationwide | $130 |
| Progressive | $166 |
| Allstate | $206 |
| USAA | $89 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Cheapest for drivers with an at-fault accident: State Farm
Drivers with an at-fault accident on their record will also find the lowest car insurance rates at State Farm, which charges $84 a month for full coverage.
Statewide, drivers with an accident pay an average of $159 a month for car insurance. This is 42% more than what drivers with a clean record pay.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $84 |
| Nationwide | $93 |
| Farm Bureau | $120 |
| Erie | $150 |
| Progressive | $207 |
| GEICO | $210 |
| Allstate | $298 |
| USAA | $109 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Cheapest for drivers with a DUI: State Farm
For cheap car insurance with a DUI on your driving record, go to State Farm. For full coverage, the company offers an average rate of $78 a month.
Drivers with a DUI can experience large increases in their insurance rates. That’s the case in Tennessee, where the average monthly cost for a driver with a DUI is $199. That’s almost 78% more than the average for those with a clean record.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $78 |
| Progressive | $142 |
| Erie | $179 |
| Farm Bureau | $192 |
| Nationwide | $207 |
| Allstate | $252 |
| GEICO | $400 |
| USAA | $139 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
Cheapest car insurance for senior drivers: State Farm
Head to State Farm, too, for cheap car insurance for senior drivers. Its average monthly rate is $65 for a full-coverage policy.
In Tennessee, the average senior pays $104 a month for full-coverage car insurance — about 7% less than a 35-year-old would. This is partly due to the fact that seniors are seen by insurance companies as experienced and reliable drivers.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $65 |
| Nationwide | $83 |
| Farm Bureau | $101 |
| Progressive | $101 |
| Erie | $103 |
| GEICO | $120 |
| Allstate | $187 |
| USAA | $70 |
| Rates are for full-coverage car insurance for a 65-year-old male with a clean driving record. | |
Get cheap car insurance no matter your age
Cheapest car insurance for young drivers: State Farm
For cheap car insurance for young drivers in Tennessee, get a quote from State Farm. The company charges $88 for minimum coverage and $201 for full coverage.
| Insurance company | Minimum coverage | Full coverage |
|---|---|---|
| State Farm | $88 | $201 |
| Erie | $109 | $238 |
| Farm Bureau | $119 | $320 |
| Nationwide | $168 | $294 |
| GEICO | $179 | $405 |
| Allstate | $282 | $647 |
| Progressive | $302 | $697 |
| USAA | $90 | $201 |
| Rates are for an 18-year-old male with a clean driving record. | ||
Cheapest car insurance for married drivers: State Farm
The cheapest car insurance option for married drivers is State Farm, which charges $71 a month.
Married drivers often receive lower insurance rates than their single counterparts. That’s true in Tennessee, where the average cost for a married driver is about $10 less than it is for singles.
| Insurance company | Monthly rate |
|---|---|
| State Farm | $71 |
| Nationwide | $81 |
| Progressive | $99 |
| Erie | $103 |
| GEICO | $110 |
| Farm Bureau | $111 |
| Allstate | $182 |
| USAA | $66 |
| Rates are for full-coverage car insurance for a married 35-year-old male with a good driving record. | |
Car insurance laws in Tennessee
No-fault car insurance
Tennessee is an at-fault state for car insurance. This means drivers are able to sue one another for damages following an accident. If a driver is deemed responsible, they could be required to pay for the other driver’s costs through their insurance policy.
SR-22 insurance
SR-22 insurance is required for some drivers in Tennessee following a license suspension or revocation. An SR-22 form, which can be required for up to five years, states that a driver’s insurance policy meets the state’s legally required minimums.
Tennessee car insurance: FAQs
State Farm is the cheapest car insurance provider in Tennessee, charging $31 a month for minimum coverage and $71 a month for full coverage.
The average cost of minimum-coverage car insurance is $51 a month. For full coverage, that figure is $112.
State Farm has the lowest car insurance rates for drivers with a DUI. It offers them an average rate of $88 a month for full-coverage policies.
Methodology
The rates shown in this article are based on an analysis of more than 300,000 auto insurance quotes obtained from Quadrant Information Services for sample drivers from across Tennessee.
Unless otherwise noted, our sample driver is a single 35-year-old with good credit. All sample drivers own a 2012 Honda Accord LX that they drive for an average of 13,500 miles per year.
Our senior base driver is a 65-year-old male with a good driving record. Our young base driver is an 18-year-old male with a good driving record.
Minimum-coverage rates reflect the cost of policies meeting the minimum liability limits required by the state.
Full-coverage policies include the following coverages, limits and deductibles:
- Bodily injury liability: $100,000 limit per person/$300,000 limit per accident
- Property damage liability: $100,000 limit
- Collision: $500 deductible
- Comprehensive: $500 deductible
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