The Cheapest Car Insurance in Tennessee for July 2024

Penn National offers the cheapest car insurance in Tennessee, with an average annual rate of $1,275 for full coverage.
Updated
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Written by Ben Moore
Assistant Assigning Editor

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Table of Contents

Table of Contents

Auto insurance is an important purchase, but finding cheap car insurance in Tennessee isn’t always easy. The best way to find cheap car insurance is to compare rates from multiple insurers.

The cheapest car insurance company in Tennessee is Tennessee Farm Bureau at $1,049 per year on average, or $87 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Tennessee. Meanwhile, the average cost of full coverage car insurance in Tennessee is $1,751 per year, or about $146 per month.

🤓Nerdy Tip

Did your rates go up? Auto insurance prices are on the rise in Tennessee. Be sure to get car insurance quotes from three or more companies to find the lowest rate possible.

Minimum coverage in Tennessee is $440 per year on average, but we found you can likely get a cheaper policy. For example, Tennessee Farm Bureau offers the cheapest rates in Tennessee at $260 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

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If you're looking for cheap car insurance in your town, check out NerdWallet's analysis of the cheapest auto insurance in Tennessee's largest cities, including:

How we chose the cheapest companies in Tennessee

NerdWallet’s editorial team analyzed car insurance rates from 20 auto insurers in Tennessee and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Tennessee. For full coverage, we used the below coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Tennessee where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheapest for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

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:

  1. Travelers: $2,065 per year, or about $172 per month.
  2. Tennessee Farm Bureau: $2,279 per year, or about $190 per month.
  3. Erie: $2,296 per year, or about $191 per month.
  4. Geico: $2,442 per year, or about $204 per month.
  5. Grange: $3,021 per year, or about $252 per month.

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:

  1. Travelers: $495 per year, or about $41 per month.
  2. Erie: $617 per year, or about $51 per month.
  3. Tennessee Farm Bureau: $636 per year, or about $53 per month.
  4. Geico: $669 per year, or about $56 per month.
  5. Progressive: $832 per year, or about $69 per month.

Cheapest auto 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:

  1. Travelers: $712 per year, or about $59 per month.
  2. Tennessee Farm Bureau: $734 per year, or about $61 per month.
  3. Geico: $935 per year, or about $78 per month.
  4. Allstate: $1,185 per year, or about $99 per month.
  5. Erie: $1,265 per year, or about $105 per month.

Cheapest auto 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:

  1. Travelers: $593 per year, or about $49 per month.
  2. Tennessee Farm Bureau: $636 per year, or about $53 per month.
  3. Erie: $685 per year, or about $57 per month.
  4. Geico: $717 per year, or about $60 per month.
  5. Progressive: $899 per year, or about $75 per month.

Cheapest auto 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:

  1. Travelers: $638 per year, or about $53 per month.
  2. Tennessee Farm Bureau: $705 per year, or about $59 per month.
  3. Erie: $838 per year, or about $70 per month.
  4. Geico: $851 per year, or about $71 per month.
  5. Progressive: $911 per year, or about $76 per month.

Cheapest auto 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.

  1. Travelers: $678 per year, or about $57 per month.
  2. Progressive: $871 per year, or about $73 per month.
  3. Erie: $955 per year, or about $80 per month.
  4. Tennessee Farm Bureau: $1,008 per year, or about $84 per month.
  5. Geico: $1,110 per year, or about $93 per month.

Cheapest for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Tennessee for 30-year-olds

Drivers in Tennessee who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Tennessee Farm Bureau: $1,111 per year, or about $93 per month.
  2. Erie: $1,220 per year, or about $102 per month.
  3. Travelers: $1,260 per year, or about $105 per month.
  4. Geico: $1,274 per year, or about $106 per month.
  5. Westfield: $1,469 per year, or about $122 per month.

Cheapest minimum coverage car insurance in Tennessee for 30-year-olds

Drivers in Tennessee who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

  1. Tennessee Farm Bureau: $274 per year, or about $23 per month.
  2. Erie: $298 per year, or about $25 per month.
  3. Westfield: $304 per year, or about $25 per month.
  4. Travelers: $325 per year, or about $27 per month.
  5. Auto-Owners: $334 per year, or about $28 per month.

Cheapest auto insurance in Tennessee for 30-year-olds with poor credit

Drivers with poor credit in Tennessee should consider the following companies with the lowest average rates for full coverage:

  1. Tennessee Farm Bureau: $1,284 per year, or about $107 per month.
  2. Geico: $2,057 per year, or about $171 per month.
  3. Travelers: $2,153 per year, or about $179 per month.
  4. Grange: $2,213 per year, or about $184 per month.
  5. Westfield: $2,227 per year, or about $186 per month.

Cheapest auto insurance in Tennessee for 30-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:

  1. Tennessee Farm Bureau: $274 per year, or about $23 per month.
  2. Westfield: $304 per year, or about $25 per month.
  3. Erie: $312 per year, or about $26 per month.
  4. Travelers: $381 per year, or about $32 per month.
  5. Geico: $438 per year, or about $37 per month.

Cheapest auto insurance in Tennessee for 30-year-old drivers with one at-fault crash

For drivers in Tennessee with a recent accident, here are the lowest average rate options for full coverage:

  1. Tennessee Farm Bureau: $1,111 per year, or about $93 per month.
  2. Travelers: $1,614 per year, or about $135 per month.
  3. Erie: $1,621 per year, or about $135 per month.
  4. Penn National: $2,260 per year, or about $188 per month.
  5. American National: $2,272 per year, or about $189 per month.

Cheapest auto insurance in Tennessee for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for full coverage.

  1. Tennessee Farm Bureau: $1,769 per year, or about $147 per month.
  2. Travelers: $1,855 per year, or about $155 per month.
  3. Erie: $1,950 per year, or about $162 per month.
  4. Progressive: $2,302 per year, or about $192 per month.
  5. American National: $2,331 per year, or about $194 per month.

Cheapest for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Tennessee for 40-year-olds

Drivers in Tennessee with clean driving records may want to think about the following companies, which had the lowest average rates:

  1. Tennessee Farm Bureau: $1,001 per year, or about $83 per month.
  2. Erie: $1,090 per year, or about $91 per month.
  3. Travelers: $1,126 per year, or about $94 per month.
  4. Geico: $1,205 per year, or about $100 per month.
  5. Penn National: $1,425 per year, or about $119 per month.

Cheapest minimum coverage car insurance in Tennessee for 40-year-olds

Drivers in Tennessee who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

  1. Tennessee Farm Bureau: $253 per year, or about $21 per month.
  2. Erie: $264 per year, or about $22 per month.
  3. Westfield: $300 per year, or about $25 per month.
  4. Travelers: $310 per year, or about $26 per month.
  5. Auto-Owners: $329 per year, or about $27 per month.

Cheapest auto insurance in Tennessee for 40-year-olds with poor credit

Drivers with poor credit in Tennessee can check out the following insurers with the lowest average rates for full coverage:

  1. Tennessee Farm Bureau: $1,157 per year, or about $96 per month.
  2. Travelers: $1,924 per year, or about $160 per month.
  3. Geico: $2,018 per year, or about $168 per month.
  4. Grange: $2,096 per year, or about $175 per month.
  5. Westfield: $2,208 per year, or about $184 per month.

Cheapest auto insurance in Tennessee for 40-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:

  1. Tennessee Farm Bureau: $253 per year, or about $21 per month.
  2. Erie: $277 per year, or about $23 per month.
  3. Westfield: $300 per year, or about $25 per month.
  4. Travelers: $372 per year, or about $31 per month.
  5. Geico: $431 per year, or about $36 per month.

Cheapest auto insurance in Tennessee for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Tennessee, here are the companies with the lowest average rates for full coverage:

  1. Tennessee Farm Bureau: $1,001 per year, or about $83 per month.
  2. Erie: $1,469 per year, or about $122 per month.
  3. Travelers: $1,558 per year, or about $130 per month.
  4. American National: $2,000 per year, or about $167 per month.
  5. Penn National: $2,016 per year, or about $168 per month.

Cheapest auto insurance in Tennessee for 40-year-old drivers after a DUI

The cheapest full coverage auto insurance we found for drivers with a DUI came from the following companies.

  1. Tennessee Farm Bureau: $1,593 per year, or about $133 per month.
  2. Travelers: $1,736 per year, or about $145 per month.
  3. Erie: $1,752 per year, or about $146 per month.
  4. Progressive: $2,019 per year, or about $168 per month.
  5. American National: $2,056 per year, or about $171 per month.

Cheapest for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Tennessee for 50-year-olds

Drivers in Tennessee with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

  1. Tennessee Farm Bureau: $907 per year, or about $76 per month.
  2. Erie: $1,005 per year, or about $84 per month.
  3. Travelers: $1,089 per year, or about $91 per month.
  4. Geico: $1,156 per year, or about $96 per month.
  5. Penn National: $1,294 per year, or about $108 per month.

Cheapest minimum coverage car insurance in Tennessee for 50-year-olds

Drivers in Tennessee who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

  1. Tennessee Farm Bureau: $235 per year, or about $20 per month.
  2. Erie: $244 per year, or about $20 per month.
  3. Westfield: $274 per year, or about $23 per month.
  4. Travelers: $306 per year, or about $26 per month.
  5. Auto-Owners: $307 per year, or about $26 per month.

Cheapest auto insurance in Tennessee for 50-year-olds with poor credit

Drivers with poor credit in Tennessee can check with the following companies, which showed the lowest average rates for full coverage:

  1. Tennessee Farm Bureau: $1,048 per year, or about $87 per month.
  2. Geico: $1,852 per year, or about $154 per month.
  3. Travelers: $1,875 per year, or about $156 per month.
  4. Grange: $1,925 per year, or about $160 per month.
  5. Westfield: $2,029 per year, or about $169 per month.

Cheapest auto insurance in Tennessee for 50-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:

  1. Tennessee Farm Bureau: $235 per year, or about $20 per month.
  2. Erie: $256 per year, or about $21 per month.
  3. Westfield: $274 per year, or about $23 per month.
  4. Travelers: $368 per year, or about $31 per month.
  5. Progressive: $407 per year, or about $34 per month.

Cheapest auto insurance in Tennessee for 50-year-old drivers with one at-fault crash

For drivers living in Tennessee with a recent accident, here are the insurers with the lowest average full coverage rates:

  1. Tennessee Farm Bureau: $907 per year, or about $76 per month.
  2. Erie: $1,335 per year, or about $111 per month.
  3. Travelers: $1,475 per year, or about $123 per month.
  4. Penn National: $1,829 per year, or about $152 per month.
  5. American National: $1,930 per year, or about $161 per month.

Cheapest auto insurance in Tennessee for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for full coverage.

  1. Tennessee Farm Bureau: $1,443 per year, or about $120 per month.
  2. Erie: $1,613 per year, or about $134 per month.
  3. Travelers: $1,696 per year, or about $141 per month.
  4. Progressive: $1,836 per year, or about $153 per month.
  5. American National: $1,984 per year, or about $165 per month.

Cheapest for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Tennessee for 60-year-olds

Drivers in Tennessee with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Tennessee Farm Bureau: $836 per year, or about $70 per month.
  2. Erie: $918 per year, or about $76 per month.
  3. Travelers: $1,014 per year, or about $85 per month.
  4. Geico: $1,150 per year, or about $96 per month.
  5. Penn National: $1,275 per year, or about $106 per month.

Cheapest minimum coverage car insurance in Tennessee for 60-year-olds

Drivers in Tennessee who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Tennessee Farm Bureau: $230 per year, or about $19 per month.
  2. Erie: $238 per year, or about $20 per month.
  3. Westfield: $266 per year, or about $22 per month.
  4. Travelers: $303 per year, or about $25 per month.
  5. Auto-Owners: $305 per year, or about $25 per month.

Cheapest auto insurance in Tennessee for 60-year-olds with poor credit

Drivers with poor credit in Tennessee can look at the following companies with the lowest average rates for full coverage:

  1. Tennessee Farm Bureau: $965 per year, or about $80 per month.
  2. Travelers: $1,718 per year, or about $143 per month.
  3. Geico: $1,824 per year, or about $152 per month.
  4. Grange: $1,930 per year, or about $161 per month.
  5. Westfield: $1,969 per year, or about $164 per month.

Cheapest auto insurance in Tennessee for 60-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:

  1. Tennessee Farm Bureau: $230 per year, or about $19 per month.
  2. Erie: $250 per year, or about $21 per month.
  3. Westfield: $266 per year, or about $22 per month.
  4. Travelers: $372 per year, or about $31 per month.
  5. Progressive: $403 per year, or about $34 per month.

Cheapest auto insurance in Tennessee for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Tennessee, here are the companies with the lowest average rates for full coverage:

  1. Tennessee Farm Bureau: $836 per year, or about $70 per month.
  2. Erie: $1,260 per year, or about $105 per month.
  3. Travelers: $1,453 per year, or about $121 per month.
  4. American National: $1,728 per year, or about $144 per month.
  5. Penn National: $1,807 per year, or about $151 per month.

Cheapest auto insurance in Tennessee for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Tennessee Farm Bureau: $1,327 per year, or about $111 per month.
  2. Erie: $1,533 per year, or about $128 per month.
  3. Travelers: $1,614 per year, or about $134 per month.
  4. Progressive: $1,744 per year, or about $145 per month.
  5. American National: $1,778 per year, or about $148 per month.

Cheapest for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Tennessee for 70-year-olds

Drivers in Tennessee with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

  1. Tennessee Farm Bureau: $908 per year, or about $76 per month.
  2. Erie: $1,068 per year, or about $89 per month.
  3. Travelers: $1,109 per year, or about $92 per month.
  4. Penn National: $1,369 per year, or about $114 per month.
  5. Westfield: $1,431 per year, or about $119 per month.

Cheapest minimum coverage car insurance in Tennessee for 70-year-olds

Drivers in Tennessee who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

  1. Tennessee Farm Bureau: $259 per year, or about $22 per month.
  2. Erie: $264 per year, or about $22 per month.
  3. Westfield: $294 per year, or about $25 per month.
  4. Travelers: $347 per year, or about $29 per month.
  5. Progressive: $381 per year, or about $32 per month.

Cheapest auto insurance in Tennessee for 70-year-olds with poor credit

Drivers with poor credit in Tennessee can look at the following companies with the lowest average rates for full coverage:

  1. Tennessee Farm Bureau: $1,049 per year, or about $87 per month.
  2. Travelers: $1,962 per year, or about $164 per month.
  3. Geico: $2,082 per year, or about $174 per month.
  4. Westfield: $2,170 per year, or about $181 per month.
  5. Grange: $2,235 per year, or about $186 per month.

Cheapest auto insurance in Tennessee for 70-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:

  1. Tennessee Farm Bureau: $259 per year, or about $22 per month.
  2. Erie: $277 per year, or about $23 per month.
  3. Westfield: $294 per year, or about $25 per month.
  4. Travelers: $445 per year, or about $37 per month.
  5. Progressive: $467 per year, or about $39 per month.

Cheapest auto insurance in Tennessee for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Tennessee, here are the companies with the lowest average rates for full coverage:

  1. Tennessee Farm Bureau: $908 per year, or about $76 per month.
  2. Erie: $1,430 per year, or about $119 per month.
  3. Travelers: $1,619 per year, or about $135 per month.
  4. Penn National: $1,957 per year, or about $163 per month.
  5. American National: $2,055 per year, or about $171 per month.

Cheapest auto insurance in Tennessee for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for full coverage.

  1. Tennessee Farm Bureau: $1,443 per year, or about $120 per month.
  2. Erie: $1,750 per year, or about $146 per month.
  3. Travelers: $1,827 per year, or about $152 per month.
  4. Progressive: $1,874 per year, or about $156 per month.
  5. American National: $2,124 per year, or about $177 per month.

Cheapest car insurance for military families

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest five auto insurance options for 66 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum required car insurance in Tennessee

Tennessee law requires liability car insurance for all drivers living in the Volunteer State. If you cause a crash, this coverage kicks in to pay others’ injury treatment and property damage, up to your limit.

The state’s minimum liability limits are:

  • $25,000 bodily injury liability per person.

  • $50,000 bodily injury liability per accident.

  • $15,000 property damage liability per accident.

A serious crash could easily result in damages that surpass these limits. To avoid paying out-of-pocket costs, consider selecting more than the bare minimum. You might also benefit from adding optional coverages such as collision, comprehensive and uninsured motorist insurance.

Check out NerdWallet’s guide to car insurance requirements by state for more detail on common coverage options in Tennessee and how they work.

Alternative Tennessee car insurance

If you’re denied car insurance on the voluntary market due to past violations, crashes, poor credit or other reasons, you can apply for coverage via the Tennessee Automobile Insurance Plan.

For more help finding cheap car insurance in Tennessee, try NerdWallet’s car insurance comparison tool.

Methodology

For our “good driver” profile, NerdWallet averaged insurance estimates for single male and female drivers with good credit and no tickets or violations. The analysis included 5-10 of the largest insurance companies in each state; smaller insurers were also included when rates were available. Liberty Mutual and its subsidiaries were excluded from our analysis as rates were not available.

For full coverage policies, we used the following coverage limits:

  • $100,000 bodily injury liability per person.

  • $300,000 bodily injury liability per accident.

  • $50,000 property damage liability per accident.

  • $100,000 uninsured motorist coverage per person.

  • $300,000 uninsured motorist coverage per accident.

  • Collision coverage with a $1,000 deductible.

  • Comprehensive coverage with a $1,000 deductible.

In states where required, minimum additional coverages were added. Some policies include additional coverages at the insurer’s discretion.

We used a 2021 Toyota Camry LE for all drivers and assumed 12,000 annual miles driven.

We analyzed rates for drivers 20 to 70 years old in ten-year increments. For the average cost of full and minimum coverage in each state, we looked at 35-year-old drivers.

We used the same assumptions for all other driver profiles, with the following exceptions:

  • For drivers with minimum coverage, we adjusted the numbers above to reflect the minimum required coverage by law in the state.

  • We changed the credit tier from “good” to “poor” as reported to the insurer to see rates for drivers with poor credit.

  • For drivers with one at-fault crash, we added a single at-fault crash that happened six months ago, resulting in $10,000 in property damage and no bodily injury claim.

  • For drivers with a DUI, we added a single drunken driving violation that happened six months ago.

We looked at 35-year-old drivers to find the cheapest company overall, the cheapest company for minimum coverage and the cheapest company for drivers with poor credit in states where credit history is used to price rates. We looked at 20-year-old drivers to find the cheapest company for young drivers.

These are rates generated through Quadrant Information Services. Your own rates will be different. Some insurance companies included in this article may have made changes in their underwriting practices and no longer issue new policies in your state.

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