To save money, Tennessee drivers ought to evaluate completely different automobile insurance coverage choices and select the one that gives the most cost effective protection. Our critiques group has researched the most effective automobile insurance coverage firms nationwide. We fastidiously examined the popularity, satisfaction of shoppers, protection selections, and common premiums of every supplier.
In this overview, we are going to present you the highest strategies for saving on automobile insurance coverage and let you know the place you could find the least costly protection in Tennessee that matches your driving profile.
Key Points
- Auto-Owners is the most cost effective automobile insurance coverage firm in Tennessee general, with a mean charge of $23 per 30 days for minimal protection and $124 per 30 days for full protection.
- State Farm and USAA additionally supply reasonably priced automobile insurance coverage charges for a lot of driver profiles.
- If drivers are beneath 25 years old or have site visitors violations on their file, they may have automobile insurance coverage charges which can be greater than the typical.
- You can save on automobile insurance coverage by choosing minimal protection, in search of reductions, rising your deductible, and bundling your auto insurance coverage with different insurance policies.
Car insurance coverage firms have alternative ways of contemplating driver profiles. This implies that the most cost effective supplier for one person may not be the most cost effective choice for you. To provide you with an concept, here’s a fast overview of the most cost effective auto insurance coverage suppliers and their charges for varied driver profiles in Tennessee.
| Cheapest Car Insurance Company | Average Monthly Cost | Average Annual Cost | |
|---|---|---|---|
| Minimum protection | Auto-Owners | $23 | $281 |
| Full protection | State Farm | $117 | $1,407 |
| 16-year-olds | Erie | $93 | $1,111 |
| 45-year-olds | Auto-Owners | $18 | $222 |
| High-risk drivers | State Farm | $27 | $327 |
| After a rushing ticket | State Farm | $26 | $316 |
| After an accident | Tennessee Farmers Mutual | $28 | $340 |
| After a DUI | State Farm | $26 | $316 |
| Poor credit score drivers | Tennessee Farmers Mutual | $28 | $340 |
*Unless acknowledged in any other case, common prices are minimum-coverage charges for single male drivers between the ages of 25 and 35 with good credit score and a clear driving historical past.
What Is The Cheapest Car Insurance Company In Tennessee?
In basic, we found that Auto-Owners has probably the most reasonably priced automobile insurance coverage in Tennessee for almost all of drivers. The following sections will cowl the typical month-to-month prices of each minimum- and full-coverage automobile insurance coverage from the most cost effective firms in Tennessee.
The charges offered apply to numerous Tennessee drivers of various ages, places, and driving histories. The least expensive firms are organized by minimal protection prices.
Cheapest Minimum Coverage In Tennessee: Auto-Owners
Drivers in search of probably the most reasonably priced protection that simply meets Tennessee state minimal necessities could discover it at Auto-Owners for about $23 per 30 days or $281 per 12 months on common.
| Cheapest Car Insurance in Tennessee | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| Auto-Owners | $23 | $281 |
| State Farm | $24 | $285 |
| USAA | $28 | $332 |
| Tennessee Farmers Mutual | $28 | $340 |
| Erie | $30 | $361 |
| GEICO | $31 | $376 |
| Progressive | $33 | $400 |
| Travelers | $36 | $438 |
| Farmers | $58 | $695 |
| Allstate | $65 | $785 |
Cheapest Full Coverage In Tennessee: State Farm
State Farm is your best option if you would like complete protection at an incredible worth. The supplier gives full-coverage insurance coverage for a mean of $117 per 30 days.
Full-coverage insurance coverage insurance policies in Tennessee typically embody legal responsibility insurance coverage, uninsured/underinsured motorist protection, collision protection, and complete insurance coverage.
| Cheapest Car Insurance in Tennessee | Average Monthly Cost | Average Annual Cost |
|---|---|---|
| State Farm | $117 | $1,407 |
| USAA | $121 | $1,454 |
| Travelers | $123 | $1,474 |
| Auto-Owners | $124 | $1,485 |
| GEICO | $125 | $1,499 |
| Tennessee Farmers Mutual | $132 | $1,584 |
| Erie | $134 | $1,605 |
| Farmers | $153 | $1,841 |
| Progressive | $155 | $1,854 |
| Allstate | $216 | $2,595 |
Cheapest Car Insurance In Tennessee: Age
Below, you’ll discover common insurance coverage prices for Tennessee drivers ages 16 to 55 in addition to the highest 5 most reasonably priced automobile insurance coverage firms for every age group. The finest automobile insurance coverage charges are normally given to drivers who’re 30 to 55 years old as a result of they’ve extra street expertise and are much less more likely to be in automobile accidents in comparison with younger drivers.
Average Car Insurance Rates By Age
| Age | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| 16 | $180 | $614 |
| 25 | $38 | $152 |
| 35 | $33 | $128 |
| 45 | $32 | $121 |
| 55 | $30 | $112 |
Cheapest Tennessee Car Insurance: Young Drivers
As talked about, drivers of their teenagers and early 20s sometimes pay the most costly automobile insurance coverage charges. That’s primarily as a result of these drivers have much less follow driving and usually tend to break site visitors guidelines and have automobile accidents.
In truth, the deadly crash charge per mile pushed for teen drivers was practically 3 times the speed for drivers 20 years old and older in 2021, in keeping with the Insurance Institute for Highway Safety.
Cheapest Tennessee Car Insurance For 16-Year-Olds: Erie
If you’re a teen driver or the mum or dad of 1, Erie could also be your finest wager for locating probably the most reasonably priced automobile insurance coverage in Tennessee.
The firm’s least expensive common charges for 16-year-old drivers are $93 per 30 days or $1,111 per 12 months, which is comparatively reasonably priced in comparison with different states. If you’re in search of full protection, the typical is $400 per 30 days or $4,798 per 12 months from State Farm.
| Cheapest Car Insurance in Tennessee | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Erie | $93 | $403 |
| GEICO | $98 | $430 |
| State Farm | $100 | $400 |
| Tennessee Farmers Mutual | $111 | $421 |
| Auto-Owners | $116 | $467 |
| USAA | $142 | $554 |
| Travelers | $146 | $471 |
| Progressive | $215 | $966 |
| Allstate | $361 | $1,060 |
| Farmers | $420 | $973 |
Cheapest Tennessee Car Insurance For 25-Year-Olds: State Farm
Car insurance coverage charges lower so much for young drivers of their 20s in comparison with what youngsters pay. However, the charges for this age group can nonetheless be fairly excessive relying on which insurance coverage firm you decide.
State Farm supplies the most cost effective automobile insurance coverage prices on common at $26 per 30 days or $315 per 12 months for minimal protection. Travelers prices $127 per 30 days or $1,528 per 12 months for full protection.
| Cheapest Car Insurance in Tennessee | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $26 | $133 |
| Auto-Owners | $28 | $144 |
| GEICO | $30 | $128 |
| USAA | $31 | $135 |
| Tennessee Farmers Mutual | $32 | $149 |
| Erie | $34 | $150 |
| Progressive | $37 | $166 |
| Travelers | $37 | $127 |
| Farmers | $62 | $163 |
| Allstate | $66 | $230 |
Cheapest Tennessee Car Insurance: Adult Drivers
Auto insurance coverage charges are normally probably the most reasonably priced for folks of their 40s who drive. You can evaluate common charges of drivers of their 30s, 40s, and 50s from the highest 5 least expensive firms for every age group beneath.
Cheapest Tennessee Car Insurance For 35-Year-Olds: Auto-Owners
Drivers of their mid-30s could insure their vehicles on the least expensive cost by getting a minimal protection automobile insurance coverage coverage from Auto-Owners. The firm gives common minimum-coverage prices of $19 per 30 days or $232 per 12 months. For full protection, State Farm’s charges common $102 month-to-month or $1,223 yearly.
| Cheapest Car Insurance in Tennessee | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Auto-Owners | $19 | $103 |
| State Farm | $21 | $102 |
| USAA | $24 | $108 |
| Tennessee Farmers Mutual | $25 | $115 |
| Erie | $26 | $118 |
| Progressive | $30 | $143 |
| GEICO | $32 | $122 |
| Travelers | $36 | $118 |
| Farmers | $53 | $144 |
| Allstate | $65 | $203 |
Cheapest Tennessee Car Insurance For 45-Year-Olds: Auto-Owners
Forty-five-year-old drivers could discover probably the most reasonably priced minimal protection from Auto-Owners, with common charges of $18 per 30 days or $222 per 12 months. The least expensive full protection comes from State Farm at $100 per 30 days or $1,203 per 12 months.
| Cheapest Car Insurance in Tennessee | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Auto-Owners | $18 | $101 |
| State Farm | $22 | $100 |
| USAA | $23 | $101 |
| Tennessee Farmers Mutual | $23 | $103 |
| Erie | $24 | $109 |
| Progressive | $28 | $128 |
| GEICO | $33 | $128 |
| Travelers | $33 | $107 |
| Farmers | $49 | $131 |
| Allstate | $65 | $203 |
Cheapest Tennessee Car Insurance For 55-Year-Olds: Auto-Owners
Auto-Owners sometimes gives the most effective automobile insurance coverage charges in Tennessee for drivers of their 50s. The insurer’s common premiums are $17 month-to-month or $208 yearly for minimal protection. The least expensive full protection choice is from Tennessee Farmers Mutual, costing $103 month-to-month or $1,237 yearly
| Cheapest Car Insurance in Tennessee | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Auto-Owners | $17 | $94 |
| State Farm | $21 | $94 |
| Tennessee Farmers Mutual | $22 | $92 |
| USAA | $22 | $94 |
| Erie | $23 | $105 |
| Progressive | $25 | $113 |
| GEICO | $28 | $107 |
| Travelers | $32 | $97 |
| Farmers | $45 | $120 |
| Allstate | $66 | $200 |
Cheapest Car Insurance In Tennessee: High-Risk Drivers
Your driving habits is a major think about figuring out the cost of your automobile insurance coverage, together with the kind of protection and your age. Auto insurers sometimes decide should you’re a high-risk driver by what number of infractions are in your driving file, together with rushing citations, at-fault accidents, and DUI convictions.
Average Car Insurance Rates For High-Risk Drivers
Drivers who’re thought of high-risk need to pay greater than the typical quantity for automobile insurance coverage as a result of they’ve a number of violations on their driving data. On common, Tennessee motorists who’re deemed high-risk could discover probably the most reasonably priced charges from State Farm for minimal protection or State Farm for full protection.
| Cheapest Car Insurance in Tennessee | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $27 | $131 |
| Tennessee Farmers Mutual | $34 | $158 |
| Progressive | $43 | $205 |
| USAA | $43 | $186 |
| Erie | $44 | $176 |
| Travelers | $47 | $172 |
| GEICO | $49 | $192 |
| Auto-Owners | $49 | $242 |
| Farmers | $79 | $205 |
| Allstate | $88 | $295 |
Cheapest Tennessee Car Insurance For Drivers With A Speeding Ticket: State Farm
Drivers with a rushing quotation on their file can typically discover probably the most reasonably priced protection from State Farm, with common charges of $26 per 30 days or $316 per 12 months for minimal protection and $127 per 30 days or $1,529 per 12 months for full protection.
| Cheapest Car Insurance in Tennessee | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $26 | $127 |
| Tennessee Farmers Mutual | $28 | $132 |
| Erie | $33 | $144 |
| USAA | $34 | $145 |
| GEICO | $36 | $144 |
| Auto-Owners | $40 | $206 |
| Progressive | $42 | $196 |
| Travelers | $44 | $164 |
| Allstate | $72 | $243 |
| Farmers | $74 | $198 |
Cheapest Tennessee Car Insurance For Drivers With An At-Fault Accident: Tennessee Farmers Mutual
Getting right into a automobile accident in Tennessee may make your automobile insurance coverage charges go up. Tennessee Farmers Mutual tends to supply probably the most reasonably priced charges on common at about $28 per 30 days or $340 per 12 months for minimal protection and $132 per 30 days or $132 per 12 months for full protection.
| Cheapest Car Insurance in Tennessee | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Tennessee Farmers Mutual | $28 | $132 |
| State Farm | $29 | $138 |
| USAA | $41 | $175 |
| Auto-Owners | $43 | $216 |
| Erie | $44 | $176 |
| Travelers | $46 | $169 |
| Progressive | $49 | $248 |
| GEICO | $52 | $212 |
| Farmers | $83 | $213 |
| Allstate | $103 | $343 |
Cheapest Tennessee Car Insurance For Drivers With A DUI: State Farm
If you’re a motorist with a DUI on file, you might discover the most cost effective minimal automobile insurance coverage in Tennessee from State Farm for $26 per 30 days or $316 per 12 months on common. They even have charges of $127 month-to-month or $1,529 yearly for full protection.
| Cheapest Car Insurance in Tennessee | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| State Farm | $26 | $127 |
| Progressive | $36 | $171 |
| Tennessee Farmers Mutual | $45 | $211 |
| Travelers | $50 | $183 |
| USAA | $53 | $236 |
| Erie | $54 | $207 |
| GEICO | $58 | $219 |
| Auto-Owners | $64 | $302 |
| Farmers | $79 | $205 |
| Allstate | $87 | $298 |
Cheapest Tennessee Car Insurance For Drivers With Poor Credit: Tennessee Farmers Mutual
Car insurance coverage prices extra for drivers who’ve very bad credit. Those who don’t have the most effective credit score historical past could wish to take a look at Tennessee Farmers Mutual, which has a mean minimum-coverage charge of $33 per 30 days or $392 per 12 months and a mean full-coverage charge of $153 per 30 days or $1,833 per 12 months.
| Cheapest Car Insurance in Tennessee | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Tennessee Farmers Mutual | $33 | $153 |
| GEICO | $44 | $193 |
| USAA | $46 | $217 |
| Progressive | $52 | $263 |
| Travelers | $57 | $211 |
| Erie | $62 | $310 |
| Auto-Owners | $65 | $324 |
| State Farm | $76 | $371 |
| Farmers | $84 | $229 |
| Allstate | $95 | $366 |
Average Cost Of Car Insurance In 10 Tennessee Cities
Another factor to think about is the placement in Tennessee the place you reside, as this may have an effect on the quantity it is advisable to pay for automobile insurance coverage. Auto insurance coverage firms contemplate drivers riskier to cowl in areas with:
- Larger teams of individuals
- There are an elevated variety of vehicles on the street.
- More automobile accidents occurring at a higher frequency.
- More cases of breaking site visitors guidelines
- More incidents of automobile theft and auto vandalism
- Crazy climate circumstances
Certain elements that improve threat have a higher impression on individuals who personal vehicles in large cities. That’s why drivers in busy cities sometimes need to pay the best common quantity for basic automobile insurance coverage protection. On the opposite hand, drivers in rural areas with much less crime and fewer folks are likely to have decrease charges.
| City | Minimum-Coverage Average Monthly Cost | Full-Coverage Average Monthly Cost |
|---|---|---|
| Memphis | $54.26 | $180.73 |
| Knoxville | $38.75 | $135.22 |
| Chattanooga | $39.21 | $133.53 |
| Collierville | $46.78 | $153.85 |
| Nashville | $42.72 | $144.22 |
| Antioch | $44.35 | $148.33 |
| Maryville | $35.35 | $129.06 |
| Sevierville | $35.94 | $135.76 |
| Cleveland | $36.60 | $130.44 |
| Greeneville | $33.23 | $128.91 |
Top 5 Car Insurance Companies In Tennessee
We have checked out greater than 40 insurance coverage firms in Tennessee by way of their protection, service, and reliability, apart from their cost. Based on this evaluation, now we have recognized the highest 5 insurers for Tennessee residents. Based on our analysis, we discovered Auto-Owners to be the most effective supplier for many drivers in Tennessee. These are our general scores for the choices we recommend.
| Overall Rating | Cost | Coverage | Reliability | Service | |
|---|---|---|---|---|---|
| #1 State Farm | 4.7 | 4.3 | 4.6 | 5 | 4.5 |
| #2 Travelers | 4.6 | 4.4 | 4.9 | 4.5 | 4.2 |
| #3 Erie | 4.5 | 4.3 | 5 | 4.5 | 4.5 |
| #4 GEICO | 4.5 | 4.2 | 4.2 | 4.9 | 4.3 |
| #5 Progressive | 4.5 | 4 | 4.8 | 4.8 | 4.1 |
*The general and class scores above are primarily based on nationwide elements.
How To Get The Cheapest Car Insurance In Tennessee
In Tennessee, you’ve many choices for lowering how a lot you pay for automobile insurance coverage. These embody:
- Opting for minimal protection: If you select to get solely the minimal protection that your state asks for, it is possible for you to to get the least costly automobile insurance coverage available.
- Seeking out reductions: Most insurance coverage firms have a number of reductions that may assist reduce down on premium prices, from army and good scholar reductions to reductions for drivers that stay accident free for 5 years.
- Raising your deductible: The next deductible will decrease your premium prices, however you’ll need to pay extra out of pocket should you file a declare.
- Bundling your auto insurance coverage: You can typically bundle your auto insurance coverage with a owners insurance coverage coverage or different kind of protection to earn a reduction.
- Comparing quotes: Getting worth estimates from a number of firms may also help you establish which supplier gives you probably the most favorable supply.
Many insurance coverage firms present the choice of usage-based insurance coverage applications, which might vastly allow you to save. These applications use telematics to watch your driving habits–out of your velocity and braking to the time of day you drive. If you drive safely, you would get an enormous low cost. However, some applications could improve your charges should you drive in a dangerous method.
Some firms additionally supply diminishing deductibles and accident forgiveness. A diminishing deductible choice decreases your deductible quantity every time you renew your coverage. Accident forgiveness ensures that your charges received’t improve after your first accident with the corporate.
What Does Tennessee Require For Car Insurance?
Drivers in Tennessee should meet minimal insurance coverage necessities as outlined by state regulation, which embody basic legal responsibility insurance coverage and uninsured/underinsured motorist (UM/UIM) protection:
- $50,000 bodily damage legal responsibility per accident
- $25,000 bodily damage legal responsibility per person
- $25,000 property injury legal responsibility per accident
Liability protection solely takes care of different events’ accidents and property damages in an accident that you just trigger. UM/UIM covers your accidents and property damages, however solely within the case that the at-fault driver has little to no auto insurance coverage.
Getting complete insurance coverage will make sure that your automobile is roofed if stolen, vandalized, or broken by floods, hearth, animals, or different pure disasters. Collision insurance coverage covers your automobile repairs after an accident.
Our Take: Best Cheap Car Insurance In Tennessee
When it involves each minimal and full protection, Auto-Owners is the most effective and least expensive automobile insurance coverage firm for many drivers in Tennessee. While the above prices can provide you an concept of what you’d pay for automobile insurance coverage in Tennessee, in search of an individualized charge will assist provide you with a extra correct image of what you’ll pay.
Many firms supply fast and free instruments on their web sites for getting insurance coverage quotes. Alternatively, you may name an organization’s insurance coverage agent or consultant for help. Once you’ve gathered quotes from at the least three suppliers, take the time to check them and select the one which fits you finest.
Best Cheap Car Insurance In Tennessee: FAQ
Here are some regularly requested questions on automobile insurance coverage in Tennessee:
How We Rate Insurers
Our overview course of goals to ship constant and unbiased assessments of automobile insurance coverage suppliers. While there are a number of qualities that make a automobile insurance coverage firm profitable, our overview group focuses on these we consider are crucial for customers:
- Cost: Cost may be troublesome to check between insurers as a result of so many elements impression annual premiums. The least expensive insurer for one driver is probably not the most cost effective for one more. To decide our cost rating, we have a look at insurance coverage charge estimates generated by Quadrant Information Services, low cost alternatives, and client experiences.
- Coverage: To decide our protection rating, we have a look at the variety of protection choices available in addition to protection limits and deductible choices. Our scores additionally take into consideration further providers and advantages like roadside help.
- Reliability: It’s vital that an auto insurer is ready to meet its claims obligations. Companies with a robust monetary energy score from AM Best rating finest on this class. Established insurers with an extended historical past of dependable service additionally obtain constructive marks.
- Service: We comb via buyer critiques on websites just like the Better Business Bureau (BBB) to study buyer experiences. Insurers with a low quantity of complaints rating effectively on this space. We additionally contemplate the claims course of, giving greater scores to automobile insurance coverage suppliers that provide easy-to-use claims apps.
*Data correct at time of publication.
