Key Takeaways: The Cheapest Car Insurance in Tennessee

  • Tennessee Farm Bureau has the overall cheapest car insurance in Tennessee across a variety of driving records, based on the companies in our analysis.
  • Tennessee Farm Bureau has the overall cheapest car insurance in Tennessee for good drivers, based on the companies in our analysis.
  • Tennessee ranks fourth among our study of “The Riskiest States To Drive In,” due in part to having the third highest percentage of drivers who are uninsured (23.7%) and the seventh highest percentage of drivers who have witnessed a friend or family member text or make phone calls while driving (61%).
  • Tennessee also has the ninth highest number of both fatal car accidents (46.48 per 100,000 licensed drivers) and people killed in fatal crashes (17.21 per 100,000 residents), further contributing to its risky driving environment.

    • The Cheapest Car Insurance Companies in Tennessee for Good Drivers

    Cheapest for... Company Average monthly cost in Tennessee Learn More
    $196

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    Tennessee Farm Bureau
    $116

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    Tennessee Farm Bureau
    $107

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    Tennessee Farm Bureau
    $97

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    Tennessee Farm Bureau
    $89

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    Tennessee Farm Bureau
    $96

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    80-year-olds
    Tennessee Farm Bureau
    $109

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    Average rates are based coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Source: Quadrant Information Services. *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

    Cheap Car Insurance for 20-Year-Olds in Tennessee

    Young drivers in Tennessee can face very high insurance costs, especially if the teen isn’t on a parent’s auto insurance policy. In Tennessee, these insurers had the cheapest car insurance according to our evaluation.

    Cheapest Full Coverage Car Insurance for 20-Year-Olds in Tennessee

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Tennessee Farm Bureau: $196 a month
    2. Travelers: $196 a month
    3. Erie: $219 a month
    4. Auto-Owners: $235 a month
    5. Penn National: $242 a month

    Cheapest Minimum Coverage for 20-Year-Olds in Tennessee

    If you’re looking for only the minimum auto insurance in Tennessee, check prices from these companies.

    1. Tennessee Farm Bureau: $47 a month
    2. Erie: $50 a month
    3. Progressive: $55 a month
    4. Travelers: $62 a month
    5. Auto-Owners: $63 a month

    Cheapest Auto Insurance for 20-Year-Olds in Tennessee With Poor Credit

    Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

    1. Tennessee Farm Bureau: $227 a month
    2. Travelers: $321 a month
    3. Grange Mutual: $363 a month
    4. Geico: $413 a month
    5. Nationwide: $436 a month

    Cheapest Auto Insurance for 20-Year-Olds in Tennessee With a Speeding Ticket

    Expect a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Tennessee for drivers with a speeding ticket.

    1. Tennessee Farm Bureau: $196 a month
    2. Erie: $248 a month
    3. Travelers: $255 a month
    4. Penn National: $301 a month
    5. Geico: $309 a month

    Cheapest Car Insurance in Tennessee for 20-Year-Olds With an At-Fault Accident

    Below are the cheapest options we found for Tennessee drivers who caused an accident that injured someone else.

    1. Tennessee Farm Bureau: $214 a month
    2. Travelers: $277 a month
    3. Erie: $282 a month
    4. Progressive: $338 a month
    5. Westfield: $349 a month

    Cheapest Auto Insurance for 20-Year-Olds in Tennessee After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Tennessee who have a DUI conviction.

    1. Travelers: $290 a month
    2. Progressive: $306 a month
    3. Tennessee Farm Bureau: $312 a month
    4. Erie: $315 a month
    5. State Farm: $358 a month

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    Cheap Car Insurance for 30-Year-Olds in Tennessee

    Drivers age 30 in Tennessee can find very high insurance costs depending on their driving record. Here’s a look at the lowest companies for a variety of common driving records.

    Cheapest Full Coverage Car Insurance for 30-Year-Olds in Tennessee

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Tennessee Farm Bureau: $116 a month
    2. Travelers: $122 a month
    3. Penn National: $128 a month
    4. Auto-Owners: $134 a month
    5. Nationwide: $138 a month

    Cheapest Minimum Coverage for 30-Year-Olds in Tennessee

    If you’re looking for only the required auto insurance in Tennessee, check quotes from these companies.

    1. Tennessee Farm Bureau: $26 a month
    2. Auto-Owners: $28 a month
    3. Progressive: $31 a month
    4. American National: $32 a month
    5. Erie: $35 a month

    Cheapest Auto Insurance for 30-Year-Olds in Tennessee With Poor Credit

    Poor credit can cause a large increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

    1. Tennessee Farm Bureau: $134 a month
    2. Nationwide: $197 a month
    3. Travelers: $213 a month
    4. Grange Mutual: $221 a month
    5. Progressive: $249 a month

    Cheapest Auto Insurance for 30-Year-Olds in Tennessee With a Speeding Ticket

    Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Tennessee for drivers with a speeding ticket.

    1. Tennessee Farm Bureau: $116 a month
    2. Penn National: $157 a month
    3. Travelers: $162 a month
    4. Erie: $164 a month
    5. Nationwide: $167 a month

    Cheapest Car Insurance in Tennessee for 30-Year-Olds With an At-Fault Accident

    Below are the cheapest insurers we found for Tennessee drivers who caused an accident that injured someone else.

    1. Tennessee Farm Bureau: $116 a month
    2. Travelers: $174 a month
    3. Penn National: $182 a month
    4. Erie: $199 a month
    5. State Farm: $210 a month

    Cheapest Auto Insurance for 30-Year-Olds in Tennessee After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Tennessee who have a DUI conviction.

    1. Progressive: $181 a month
    2. Travelers: $182 a month
    3. Tennessee Farm Bureau: $184 a month
    4. State Farm: $196 a month
    5. Erie: $234 a month

    Cheap Car Insurance for 40-Year-Olds in Tennessee

    Tennessee drivers age 40 can typically save significant money by comparing quotes from multiple insurers. We looked at which insurers offer the cheapest quotes in Tennessee, depending on your driving record.

    Cheapest Full Coverage Car Insurance for 40-Year-Olds in Tennessee

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Tennessee Farm Bureau: $107 a month
    2. Travelers: $109 a month
    3. Penn National: $114 a month
    4. Auto-Owners: $128 a month
    5. Progressive: $134 a month

    Cheapest Minimum Coverage for 40-Year-Olds in Tennessee

    If you’re looking for only the minimum auto insurance in Tennessee, check quotes from these companies.

    1. Tennessee Farm Bureau: $24 a month
    2. Auto-Owners: $27 a month
    3. Progressive: $28 a month
    4. Erie: $30 a month
    5. American National: $31 a month

    Cheapest Auto Insurance for 40-Year-Olds in Tennessee With Poor Credit

    Poor credit can cause a large increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest costs in our analysis.

    1. Tennessee Farm Bureau: $123 a month
    2. Travelers: $190 a month
    3. Nationwide: $193 a month
    4. Grange Mutual: $212 a month
    5. Progressive: $220 a month

    Cheapest Auto Insurance for 40-Year-Olds in Tennessee With a Speeding Ticket

    Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis these companies have the cheapest car insurance in Tennessee for drivers with a speeding ticket.

    1. Tennessee Farm Bureau: $107 a month
    2. Penn National: $140 a month
    3. Erie: $146 a month
    4. Travelers: $153 a month
    5. Nationwide: $164 a month

    Cheapest Car Insurance in Tennessee for 40-Year-Olds With an At-Fault Accident

    Below are the cheapest insurers we found for Tennessee drivers who caused an accident that injured someone else.

    1. Tennessee Farm Bureau: $107 a month
    2. Penn National: $163 a month
    3. Travelers: $165 a month
    4. Erie: $176 a month
    5. State Farm: $205 a month

    Cheapest Auto Insurance for 40-Year-Olds in Tennessee After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Tennessee who have a DUI conviction.

    1. Progressive: $160 a month
    2. Tennessee Farm Bureau: $169 a month
    3. Travelers: $172 a month
    4. State Farm: $189 a month
    5. Erie: $207 a month

    Cheap Car Insurance for 50-Year-Olds in Tennessee

    Tennessee drivers in their 50s are enjoying the lowest rates they’ll get based on age. But a poor driving record can make cheap car insurance hard to find.

    Cheapest Full Coverage Car Insurance for 50-Year-Olds in Tennessee

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Tennessee Farm Bureau: $97 a month
    2. Penn National: $104 a month
    3. Travelers: $107 a month
    4. Auto-Owners: $118 a month
    5. Erie: $119 a month

    Cheapest Minimum Coverage for 50-Year-Olds in Tennessee

    If you’re looking for only the minimum auto insurance in Tennessee, check prices from these companies.

    1. Tennessee Farm Bureau: $23 a month
    2. Auto-Owners: $25 a month
    3. Progressive: $26 a month
    4. Erie: $27 a month
    5. American National: $30 a month

    Cheapest Auto Insurance for 50-Year-Olds in Tennessee With Poor Credit

    Poor credit can cause a significant increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

    1. Tennessee Farm Bureau: $112 a month
    2. Nationwide: $176 a month
    3. Travelers: $187 a month
    4. Grange Mutual: $195 a month
    5. Progressive: $197 a month

    Cheapest Auto Insurance for 50-Year-Olds in Tennessee With a Speeding Ticket

    Brace yourself for a rate increase at renewal time if you have received a speeding ticket. In our analysis, these companies have the cheapest car insurance in Tennessee for drivers with a speeding ticket.

    1. Tennessee Farm Bureau: $97 a month
    2. Penn National: $127 a month
    3. Erie: $128 a month
    4. Travelers: $150 a month
    5. Nationwide: $152 a month

    Cheapest Car Insurance in Tennessee for 50-Year-Olds With an At-Fault Accident

    Below are the cheapest companies we found for Tennessee drivers who caused an accident that injured someone else.

    1. Tennessee Farm Bureau: $97 a month
    2. Penn National: $147 a month
    3. Erie: $155 a month
    4. Travelers: $162 a month
    5. Progressive: $191 a month

    Cheapest Auto Insurance for 50-Year-Olds in Tennessee After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Tennessee who have a DUI conviction.

    1. Progressive: $145 a month
    2. Tennessee Farm Bureau: $154 a month
    3. Travelers: $169 a month
    4. Erie: $182 a month
    5. State Farm: $183 a month

    Cheap Car Insurance for 60-Year-Olds in Tennessee

    Auto insurance rates often begin to rise around age 65, even if you have a stellar driving record. We found the cheapest companies for Tennessee drivers at age 60.

    Cheapest Full Coverage Car Insurance for 60-Year-Olds in Tennessee

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Tennessee Farm Bureau: $89 a month
    2. Travelers: $98 a month
    3. Penn National: $102 a month
    4. Erie: $109 a month
    5. Progressive: $112 a month

    Cheapest Minimum Coverage for 60-Year-Olds in Tennessee

    If you’re looking for only the required auto insurance in Tennessee, check prices from these companies.

    1. Tennessee Farm Bureau: $22 a month
    2. Erie: $24 a month
    3. Progressive: $24 a month
    4. Auto-Owners: $25 a month
    5. American National: $27 a month

    Cheapest Auto Insurance for 60-Year-Olds in Tennessee With Poor Credit

    Poor credit can cause a significant increase in auto insurance rates compared to the same driver with good credit. We found these companies to have the cheapest rates in our analysis.

    1. Tennessee Farm Bureau: $102 a month
    2. Nationwide: $167 a month
    3. Travelers: $171 a month
    4. Progressive: $184 a month
    5. Grange Mutual: $194 a month

    Cheapest Auto Insurance for 60-Year-Olds in Tennessee With a Speeding Ticket

    Expect a rate increase at renewal time if you have gotten a speeding ticket. In our analysis these companies have the cheapest car insurance in Tennessee for drivers with a speeding ticket.

    1. Tennessee Farm Bureau: $89 a month
    2. Erie: $117 a month
    3. Penn National: $125 a month
    4. Travelers: $144 a month
    5. Progressive: $145 a month

    Cheapest Car Insurance in Tennessee for 60-Year-Olds With an At-Fault Accident

    Below are the cheapest companies we found for Tennessee drivers who caused an accident that injured someone else.

    1. Tennessee Farm Bureau: $89 a month
    2. Erie: $143 a month
    3. Penn National: $146 a month
    4. Travelers: $155 a month
    5. Progressive: $182 a month

    Cheapest Auto Insurance for 60-Year-Olds in Tennessee After a DUI

    Comparing quotes for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest costs for drivers in Tennessee who have a DUI conviction.

    1. Progressive: $136 a month
    2. Tennessee Farm Bureau: $140 a month
    3. Travelers: $163 a month
    4. Erie: $168 a month
    5. State Farm: $172 a month

    Cheap Car Insurance for 70-Year-Olds in Tennessee

    Tennessee drivers age 70 are getting higher rates due to age. But relatively cheap car insurance can still be found by comparing rates from a few companies.

    Cheapest Full Coverage Car Insurance for 70-Year-Olds in Tennessee

    We found the cheapest rates from the following companies if you’re looking for a full coverage policy.

    1. Tennessee Farm Bureau: $96 a month
    2. Penn National: $110 a month
    3. Travelers: $111 a month
    4. Progressive: $119 a month
    5. Auto-Owners: $125 a month

    Cheapest Minimum Coverage for 70-Year-Olds in Tennessee

    If you’re looking for only the minimum auto insurance in Tennessee, check prices from these companies.

    1. Tennessee Farm Bureau: $25 a month
    2. Progressive: $27 a month
    3. Erie: $29 a month
    4. Auto-Owners: $32 a month
    5. American National: $34 a month

    Cheapest Auto Insurance for 70-Year-Olds in Tennessee With Poor Credit

    Poor credit can cause a steep increase in car insurance rates compared to the same driver with good credit. We found these insurers to have the cheapest rates in our analysis.

    1. Tennessee Farm Bureau: $110 a month
    2. Nationwide: $188 a month
    3. Progressive: $196 a month
    4. Travelers: $200 a month
    5. Grange Mutual: $213 a month

    Cheapest Auto Insurance for 70-Year-Olds in Tennessee With a Speeding Ticket

    Brace yourself for a rate increase at renewal time if you have gotten a speeding ticket. In our analysis, these companies have the cheapest car insurance in Tennessee for drivers with a speeding ticket.

    1. Tennessee Farm Bureau: $96 a month
    2. Penn National: $135 a month
    3. Erie: $137 a month
    4. Progressive: $160 a month
    5. Nationwide: $161 a month

    Cheapest Car Insurance in Tennessee for 70-Year-Olds With an At-Fault Accident

    Below are the cheapest companies we found for Tennessee drivers who caused an accident that injured someone else.

    1. Tennessee Farm Bureau: $96 a month
    2. Penn National: $158 a month
    3. Erie: $167 a month
    4. Travelers: $181 a month
    5. State Farm: $196 a month

    Cheapest Auto Insurance for 70-Year-Olds in Tennessee After a DUI

    Shopping around for car insurance can be smart if you have a DUI on your record. We found these companies have the cheapest rates for drivers in Tennessee who have a DUI conviction.

    1. Progressive: $146 a month
    2. Tennessee Farm Bureau: $151 a month
    3. State Farm: $179 a month
    4. Travelers: $189 a month
    5. Erie: $197 a month

    Cheapest Car Insurance In Nashville, Tennessee

    Cheapest for... Company Average monthly cost in Nashville Learn More
    Good drivers
    $103

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    Drivers with a speeding ticket
    $124

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    Drivers who caused an accident with injury
    Tennessee Farm Bureau
    $124

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    Drivers with a DUI
    Travelers
    $162

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    Driver with poor credit
    Tennessee Farm Bureau
    $144

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    *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

    Cheapest Car Insurance In Knoxville, Tennessee

    Cheapest for... Company Average monthly cost in Knoxville Learn More
    Good drivers
    $104

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    Drivers with a speeding ticket
    Tennessee Farm Bureau
    $104

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    Drivers who caused an accident with injury
    Tennessee Farm Bureau
    $104

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    Drivers with a DUI
    Progressive
    $136

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    Driver with poor credit
    Tennessee Farm Bureau
    $120

    Compare rates via EverQuote’s website
    *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

    Cheapest Car Insurance In Chattanooga, Tennessee

    Cheapest for... Company Average monthly cost in Chattanooga Learn More
    Good drivers
    $99

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    Drivers with a speeding ticket
    $104

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    Drivers who caused an accident with injury
    Tennessee Farm Bureau
    $104

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    Drivers with a DUI
    Progressive
    $136

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    Driver with poor credit
    Tennessee Farm Bureau
    $120

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    *In some cases USAA may be the cheapest company, but USAA auto insurance is available only to military members, veterans and their families.

    Buy Cheap Car Insurance in Tennessee

    Pinpointing cheap car insurance in Tennessee means using some simple strategies. An ideal car insurance policy should have both a good price and the coverage details you need.

    Check Quotes from Multiple Car Insurance Companies

    Your quest for the best deal begins with comparison shopping. Our analysis has found that drivers who compare car insurance quotes can sometimes save hundreds a year. Even if your driving history is not great, evaluating multiple companies will often unearth the cheapest options.

    Consider Switching Companies When Your Driving Record Changes

    Has your auto rate gone up because of a recent ticket or at-fault accident? If you feel like you’re no longer getting cheap car insurance, it might be time to consider switching car insurance companies. The cheapest Tennessee car insurance company for you can vary based on your driving record.

    Regularly Review Your Auto Insurance Policy

    It’s wise to review your Tennessee auto insurance policy to make sure your coverage details still match your needs. Look at the coverage types, the limits for each coverage type and your deductible amounts. You may want to cut extras such as roadside assistance assistance coverage.

    Rethink Your Deductible

    If you have collision and comprehensive insurance you may be able to get savings by increasing the auto insurance deductible. Contact your insurance agent to ask how much lower your car insurance bill will be by going to a higher deductible.

    Ask About Car Insurance Discounts

    It can’t hurt to ask your insurance company about discounts that you might not be getting. Some car discounts are subtracted from your policy automatically, but there may be other car insurance discounts your insurer doesn’t know you qualify for. For example, if you have a high school or college student in your household who gets good grades, you might be eligible for a good student discount.

    Capture Savings by Bundling

    Maximize your savings by bundling car insurance with other policies from the same insurance company. Whether it’s Tennessee auto and home insurance or car insurance paired with condo or renters insurance, bundling can land you a significant cost reduction, often averaging around 14%, based on our analysis.

    Optimize Your Insurance Payment Strategy

    The way you pay your auto insurance bill can lead to further discounts. These discounts are typically small, but they are easy to get. Your insurance company might have discounts for:

    • Using EFT if you’re paying monthly.
    • Paying for the entire policy term in one lump sum.
    • Going paperless for both billing and policy documents.

    Methodology

    Except where otherwise noted, average rates are based on a female driver insuring a new RAV4 with coverage of 100/300/100 ($100,000 of liability insurance for injuries to one person; $300,000 of liability insurance for injuries in one accident; $100,000 for property damage liability), uninsured motorist coverage, collision and comprehensive insurance with a $500 deductible, and any other insurance required in the state. Average rates for cities are based on a 40-year-old female good driver with the above coverage. Source: Quadrant Information Services.

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