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Average cost of car insurance in Tennessee for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much is car insurance in Tennessee?
Rates for car insurance in Tennessee tend to be below the national averages. Drivers in the Volunteer State pay an average of $2,026per year for full coverage, which includes optional collision and comprehensive coverage. State-mandated minimum coverage insurance is available for an average annual cost of $512. Compare this to national averages of $2,458 for full and $678 for minimum. Your rate may differ based on personal rating factors unique to you and your situation. Bankrate created this guide to help Tennessee drivers make the best decision on affordable coverage that suits their specific driver profile.
Key takeaways
- Drivers in Tennessee who carry full coverage car insurance pay an average of $169 per month for their policies. Minimum coverage costs less at an average of $43 per month.
- More populated cities such as Memphis, which tend to have a higher incidence of traffic accidents and car theft, tend to have higher average rates for coverage.
- A DUI conviction in Tennessee could raise car insurance rates by 115 percent more compared to drivers with a clean record.
- From ages 16 to 25, men generally pay more for car insurance than women do, but the gap tends to narrow from age 30 onward.
What would you like to do today?
Tennessee car insurance rates by city
Most drivers know that car insurance rates vary by state, but the city you live in may also affect your premium. Car insurance may be more expensive in certain cities based on the number of uninsured drivers, crime rates, weather patterns and more.
The table below highlights the average car insurance rates in 10 of Tennessee's largest cities.
Sorry, we don't have enough data yet on this city yet!
But these other cities in the state may give you some insight.
| City | Avg. annual full coverage premium | Avg. savings vs. state average |
|---|---|---|
| Brentwood | $1,868 | -8% |
| College Grove | $1,906 | -6% |
| Dover | $2,083 | +3% |
| Franklin | $1,856 | -9% |
| Hendersonville | $1,897 | -7% |
| Kingston Springs | $2,021 | -0% |
| Memphis | $2,541 | +23% |
| Mc Kenzie | $2,092 | +3% |
| Martin | $2,067 | +2% |
| Palmersville | $2,039 | +1% |
| Jackson | $2,051 | +1% |
| Bath Springs | $2,132 | +5% |
| Counce | $2,103 | +4% |
| Bristol | $1,660 | -20% |
| Flag Pond | $1,834 | -10% |
| Kingsport | $1,717 | -17% |
| Unicoi | $1,779 | -13% |
| Piney Flats | $1,688 | -18% |
| Gatlinburg | $1,963 | -3% |
| Murfreesboro | $1,879 | -8% |
| Pleasant View | $2,006 | -1% |
| Red Boiling Springs | $2,058 | +2% |
| Shelbyville | $1,929 | -5% |
| Southside | $1,963 | -3% |
| Unionville | $1,993 | -2% |
| Vanleer | $2,087 | +3% |
| Wartrace | $1,972 | -3% |
| Woodbury | $2,008 | -1% |
| Nashville | $2,021 | -0% |
| Beersheba Springs | $2,123 | +5% |
| Conasauga | $1,928 | -5% |
| Huntland | $1,992 | -2% |
| Manchester | $1,956 | -4% |
| Normandy | $1,979 | -2% |
| Sale Creek | $1,905 | -6% |
| Winchester | $1,940 | -4% |
| Chattanooga | $1,945 | -4% |
| Antioch | $2,068 | +2% |
| Castalian Springs | $1,918 | -5% |
| Cedar Hill | $1,949 | -4% |
| Christiana | $1,886 | -7% |
| Lascassas | $1,894 | -7% |
| Lewisburg | $1,980 | -2% |
| Chapmansboro | $2,013 | -1% |
| Charlotte | $2,006 | -1% |
| Fosterville | $1,899 | -6% |
| Greenbrier | $1,887 | -7% |
| Burns | $2,008 | -1% |
| Erin | $2,174 | +7% |
| Lafayette | $2,011 | -1% |
| Lebanon | $1,881 | -7% |
| Clarksville | $1,938 | -4% |
| Cottontown | $1,894 | -7% |
| Gladeville | $1,896 | -7% |
| Bon Aqua | $2,026 | -0% |
| La Vergne | $1,927 | -5% |
| Lobelville | $2,070 | +2% |
| Adams | $1,943 | -4% |
| Big Rock | $2,036 | +0% |
| Cross Plains | $1,940 | -4% |
| Hermitage | $2,027 | +0% |
| Linden | $2,097 | +3% |
| Belvidere | $1,943 | -4% |
| Calhoun | $1,966 | -3% |
| Charleston | $1,901 | -6% |
| Coker Creek | $1,979 | -2% |
| Cleveland | $1,900 | -6% |
| Fayetteville | $2,019 | -0% |
| Guild | $2,075 | +2% |
| Lynchburg | $1,970 | -3% |
| Ooltewah | $1,915 | -6% |
| Pelham | $2,091 | +3% |
| Athens | $1,931 | -5% |
| Sewanee | $1,956 | -4% |
| Signal Mountain | $1,934 | -5% |
| Soddy Daisy | $1,860 | -9% |
| Spring City | $1,981 | -2% |
| Tullahoma | $1,959 | -3% |
| Whitwell | $2,059 | +2% |
| Altamont | $2,091 | +3% |
| Coalmont | $2,107 | +4% |
| Cowan | $1,936 | -5% |
| Decatur | $2,039 | +1% |
| Farner | $1,993 | -2% |
| Flintville | $2,034 | +0% |
| New Johnsonville | $2,038 | +1% |
| Norene | $1,941 | -4% |
| Springfield | $1,908 | -6% |
| Slayden | $2,015 | -1% |
| Spring Hill | $1,918 | -5% |
| Belfast | $1,978 | -2% |
| Bell Buckle | $1,982 | -2% |
| Bethpage | $1,879 | -8% |
| Bumpus Mills | $2,092 | +3% |
| Goodlettsville | $2,009 | -1% |
| Indian Mound | $2,020 | -0% |
| Dayton | $1,982 | -2% |
| Jasper | $2,029 | +0% |
| Tracy City | $2,081 | +3% |
| Turtletown | $1,967 | -3% |
| Copperhill | $2,014 | -1% |
| Pikeville | $2,026 | +0% |
| South Pittsburg | $2,044 | +1% |
| Summitville | $2,004 | -1% |
| Elora | $2,001 | -1% |
| Smartt | $1,948 | -4% |
| Cottage Grove | $2,072 | +2% |
| Obion | $2,072 | +2% |
| Buena Vista | $2,097 | +3% |
| Eva | $2,091 | +3% |
| Hollow Rock | $2,090 | +3% |
| Idlewild | $2,060 | +2% |
| Dukedom | $2,064 | +2% |
| Hornbeak | $2,108 | +4% |
| Kenton | $2,031 | +0% |
| Troy | $2,100 | +4% |
| Bakewell | $1,910 | -6% |
| Birchwood | $1,978 | -2% |
| Delano | $1,953 | -4% |
| Gruetli Laager | $2,105 | +4% |
| Lupton City | $1,928 | -5% |
| Mc Donald | $1,908 | -6% |
| Riceville | $1,949 | -4% |
| Sequatchie | $2,106 | +4% |
| Mitchellville | $1,919 | -5% |
| Nunnelly | $2,066 | +2% |
| Smyrna | $1,867 | -8% |
| Westmoreland | $1,899 | -6% |
| Pleasant Shade | $2,025 | -0% |
| Tennessee Ridge | $2,168 | +7% |
| Whites Creek | $2,097 | +3% |
| Bells | $2,078 | +3% |
| Braden | $2,167 | +7% |
| Collierville | $2,184 | +7% |
| Hornsby | $2,191 | +8% |
| Laconia | $2,181 | +7% |
| Lenox | $2,113 | +4% |
| Mc Ewen | $2,104 | +4% |
| Mcminnville | $1,932 | -5% |
| Madison | $2,043 | +1% |
| Petersburg | $2,035 | +0% |
| Lowland | $1,896 | -7% |
| Sevierville | $1,969 | -3% |
| Shawanee | $2,028 | +0% |
| Pigeon Forge | $1,996 | -2% |
| Tazewell | $1,995 | -2% |
| Knoxville | $1,931 | -5% |
| Morristown | $1,889 | -7% |
| Newport | $2,047 | +1% |
| New Tazewell | $2,017 | -0% |
| Petros | $2,108 | +4% |
| Sneedville | $2,019 | -0% |
| Walland | $1,899 | -6% |
| Mount Juliet | $1,880 | -7% |
| Old Hickory | $1,954 | -4% |
| Only | $2,075 | +2% |
| Palmyra | $1,957 | -3% |
| Portland | $1,863 | -8% |
| Readyville | $1,949 | -4% |
| Thompsons Station | $1,850 | -9% |
| Arrington | $1,897 | -7% |
| Ashland City | $2,017 | -0% |
| Auburntown | $2,025 | -0% |
| Beechgrove | $2,003 | -1% |
| Chapel Hill | $2,026 | -0% |
| Cunningham | $1,966 | -3% |
| Fairview | $1,896 | -7% |
| Hartsville | $2,062 | +2% |
| Lyles | $2,042 | +1% |
| Bluff City | $1,682 | -19% |
| Butler | $1,848 | -9% |
| Chuckey | $1,841 | -10% |
| Elizabethton | $1,754 | -14% |
| Fall Branch | $1,715 | -17% |
| Corryton | $1,934 | -5% |
| Harrogate | $2,001 | -1% |
| Johnson City | $1,695 | -18% |
| Afton | $1,796 | -12% |
| Mount Carmel | $1,762 | -14% |
| Jonesborough | $1,675 | -19% |
| Bean Station | $1,941 | -4% |
| Bulls Gap | $1,796 | -12% |
| Blountville | $1,706 | -17% |
| Watauga | $1,739 | -15% |
| Blaine | $1,974 | -3% |
| Cumberland Gap | $2,008 | -1% |
| Del Rio | $2,043 | +1% |
| Greenback | $1,946 | -4% |
| Jellico | $2,079 | +3% |
| Lancing | $2,108 | +4% |
| Hampton | $1,772 | -13% |
| Telford | $1,687 | -18% |
| Clairfield | $2,086 | +3% |
| Greeneville | $1,838 | -10% |
| Helenwood | $2,152 | +6% |
| Jacksboro | $2,014 | -1% |
| Lake City | $1,927 | -5% |
| Lenoir City | $1,944 | -4% |
| Midway | $1,837 | -10% |
| Parrottsville | $2,091 | +3% |
| Pioneer | $2,110 | +4% |
| Robbins | $2,140 | +5% |
| Rutledge | $2,001 | -1% |
| Oliver Springs | $2,128 | +5% |
| Ocoee | $1,953 | -4% |
| Sherwood | $1,996 | -2% |
| Viola | $1,979 | -2% |
| Lavinia | $2,152 | +6% |
| Luray | $2,161 | +6% |
| Milan | $2,026 | -0% |
| Selmer | $2,123 | +5% |
| Collinwood | $2,085 | +3% |
| Goodspring | $2,055 | +1% |
| Lynnville | $2,019 | -0% |
| Primm Springs | $1,966 | -3% |
| Bloomington Springs | $2,002 | -1% |
| Crossville | $1,914 | -6% |
| Grimsley | $2,073 | +2% |
| Englewood | $1,929 | -5% |
| Georgetown | $1,953 | -4% |
| Arthur | $2,038 | +1% |
| Bybee | $2,047 | +1% |
| Clinton | $1,933 | -5% |
| Crab Orchard | $1,980 | -2% |
| Friendsville | $1,858 | -9% |
| Harriman | $2,057 | +2% |
| Kyles Ford | $2,076 | +2% |
| Benton | $2,000 | -1% |
| Harrison | $1,901 | -6% |
| Kelso | $2,013 | -1% |
| Morrison | $1,959 | -3% |
| Woodlawn | $1,954 | -4% |
| Andersonville | $1,938 | -4% |
| Deer Lodge | $2,058 | +2% |
| Eagan | $2,058 | +2% |
| Lone Mountain | $2,043 | +1% |
| Maryville | $1,878 | -8% |
| Mascot | $1,962 | -3% |
| Oakdale | $2,136 | +5% |
| Oak Ridge | $1,960 | -3% |
| Oneida | $2,141 | +6% |
| Powell | $1,925 | -5% |
| Seymour | $1,975 | -3% |
| Vonore | $1,977 | -2% |
| Roan Mountain | $1,805 | -12% |
| Dandridge | $1,924 | -5% |
| Huntsville | $2,104 | +4% |
| Trade | $1,867 | -8% |
| Briceville | $1,967 | -3% |
| Eidson | $1,787 | -13% |
| Sunbright | $2,082 | +3% |
| White Pine | $1,928 | -5% |
| Sardis | $2,118 | +4% |
| Ethridge | $2,048 | +1% |
| Erwin | $1,801 | -12% |
| Laurel Bloomery | $1,828 | -10% |
| Mountain City | $1,841 | -10% |
| Shady Valley | $1,839 | -10% |
| Heiskell | $1,990 | -2% |
| Arlington | $2,129 | +5% |
| Whiteville | $2,204 | +8% |
| Millington | $2,240 | +10% |
| Alcoa | $1,866 | -8% |
| Caryville | $2,050 | +1% |
| Hartford | $2,066 | +2% |
| Moss | $2,066 | +2% |
| Germantown | $2,239 | +10% |
| Medina | $2,064 | +2% |
| Pinson | $2,073 | +2% |
| Reagan | $2,128 | +5% |
| Rutherford | $2,074 | +2% |
| Saltillo | $2,147 | +6% |
| Savannah | $2,086 | +3% |
| Scotts Hill | $2,094 | +3% |
| Hampshire | $2,029 | +0% |
| Chestnut Mound | $2,010 | -1% |
| Doyle | $1,943 | -4% |
| Pickwick Dam | $2,111 | +4% |
| Stantonville | $2,092 | +3% |
| Mercer | $2,136 | +5% |
| Cypress Inn | $2,077 | +2% |
| Olivehill | $2,114 | +4% |
| Williamsport | $2,036 | +0% |
| Cookeville | $1,880 | -8% |
| Brush Creek | $2,027 | +0% |
| Clarkrange | $2,106 | +4% |
| Elmwood | $2,073 | +2% |
| Dunlap | $2,007 | -1% |
| Estill Springs | $1,909 | -6% |
| Etowah | $1,946 | -4% |
| Hillsboro | $1,966 | -3% |
| Lookout Mountain | $1,917 | -6% |
| Mulberry | $2,013 | -1% |
| Dyersburg | $2,077 | +2% |
| Gates | $2,131 | +5% |
| Ripley | $2,134 | +5% |
| Somerville | $2,207 | +9% |
| Williston | $2,228 | +9% |
| Bolivar | $2,240 | +10% |
| Cordova | $2,304 | +13% |
| Mosheim | $1,833 | -10% |
| Philadelphia | $1,973 | -3% |
| Rogersville | $1,801 | -12% |
| Sharps Chapel | $2,004 | -1% |
| Townsend | $1,862 | -8% |
| Washburn | $2,057 | +2% |
| Winfield | $2,129 | +5% |
| Parsons | $2,118 | +4% |
| Chewalla | $2,131 | +5% |
| Columbia | $1,969 | -3% |
| Ardmore | $2,031 | +0% |
| Duck River | $2,053 | +1% |
| Frankewing | $2,056 | +1% |
| Lutts | $2,061 | +2% |
| Big Sandy | $2,083 | +3% |
| Adamsville | $2,109 | +4% |
| Bruceton | $2,100 | +4% |
| Decaturville | $2,103 | +4% |
| Enville | $2,098 | +3% |
| Nolensville | $1,892 | -7% |
| Stewart | $2,174 | +7% |
| Watertown | $1,892 | -7% |
| Waverly | $2,074 | +2% |
| Milligan College | $1,735 | -15% |
| Como | $2,075 | +2% |
| Greenfield | $2,095 | +3% |
| South Fulton | $2,063 | +2% |
| Bradford | $2,081 | +3% |
| Gibson | $2,066 | +2% |
| Orlinda | $1,898 | -7% |
| Riddleton | $2,036 | +0% |
| White House | $1,934 | -5% |
| Mohawk | $1,829 | -10% |
| Mooresburg | $1,765 | -14% |
| Tallassee | $1,901 | -6% |
| Livingston | $2,029 | +0% |
| Silver Point | $1,880 | -7% |
| Whitleyville | $2,044 | +1% |
| Lexington | $2,113 | +4% |
| Paris | $2,048 | +1% |
| Beech Bluff | $2,095 | +3% |
| Cedar Grove | $2,115 | +4% |
| Crump | $2,095 | +3% |
| Darden | $2,160 | +6% |
| Eaton | $2,058 | +2% |
| Gadsden | $2,080 | +3% |
| Humboldt | $2,036 | +0% |
| Decherd | $1,939 | -4% |
| Grandview | $1,983 | -2% |
| Graysville | $2,018 | -0% |
| Madisonville | $1,939 | -4% |
| Palmer | $2,086 | +3% |
| Reliance | $1,955 | -4% |
| Tellico Plains | $1,997 | -1% |
| Atwood | $2,108 | +4% |
| Buchanan | $2,087 | +3% |
| Dresden | $2,043 | +1% |
| Henry | $2,040 | +1% |
| Union City | $2,068 | +2% |
| Camden | $2,082 | +3% |
| Fruitvale | $2,119 | +4% |
| Jacks Creek | $2,167 | +7% |
| Rives | $2,061 | +2% |
| Springville | $2,097 | +3% |
| Trimble | $2,071 | +2% |
| Henderson | $2,127 | +5% |
| Holladay | $2,129 | +5% |
| Huntingdon | $2,167 | +7% |
| Mansfield | $2,075 | +2% |
| Samburg | $2,105 | +4% |
| Sharon | $2,042 | +1% |
| Dyer | $2,095 | +3% |
| Guys | $2,119 | +4% |
| Gleason | $2,042 | +1% |
| Puryear | $2,073 | +2% |
| Trezevant | $2,129 | +5% |
| Bethel Springs | $2,172 | +7% |
| Finger | $2,185 | +8% |
| Rickman | $2,041 | +1% |
| Rock Island | $1,961 | -3% |
| Spencer | $1,974 | -3% |
| Walling | $1,945 | -4% |
| Elgin | $2,063 | +2% |
| Rugby | $2,017 | -0% |
| Kingston | $2,073 | +2% |
| Kodak | $1,966 | -3% |
| La Follette | $2,060 | +2% |
| Milton | $1,934 | -5% |
| Pegram | $2,071 | +2% |
| Cumberland Furnace | $2,090 | +3% |
| Dixon Springs | $2,032 | +0% |
| Eagleville | $1,917 | -6% |
| Apison | $1,912 | -6% |
| Ducktown | $1,979 | -2% |
| Evensville | $2,020 | -0% |
| Hixson | $1,905 | -6% |
| Monteagle | $2,037 | +1% |
| Old Fort | $1,987 | -2% |
| Arnold Afb | $1,960 | -3% |
| Whiteside | $2,060 | +2% |
| Louisville | $1,881 | -7% |
| Norris | $1,932 | -5% |
| Limestone | $1,775 | -13% |
| Mountain Home | $1,732 | -16% |
| Loudon | $1,910 | -6% |
| Carthage | $2,016 | -1% |
| Centerville | $2,066 | +2% |
| Dickson | $1,979 | -2% |
| Joelton | $2,034 | +0% |
| Rockvale | $1,892 | -7% |
| White Bluff | $2,021 | -0% |
| Ramer | $2,132 | +5% |
| Sugar Tree | $2,108 | +4% |
| Hohenwald | $2,008 | -1% |
| Leoma | $2,009 | -1% |
| Summertown | $2,021 | -0% |
| Byrdstown | $2,091 | +3% |
| Celina | $2,119 | +4% |
| Gordonsville | $2,022 | -0% |
| Hickman | $2,020 | -0% |
| Maynardville | $2,038 | +1% |
| New Market | $1,977 | -2% |
| Pruden | $2,013 | -1% |
| Rockwood | $2,081 | +3% |
| Strawberry Plains | $1,994 | -2% |
| Thorn Hill | $1,979 | -2% |
| Whitesburg | $1,893 | -7% |
| Church Hill | $1,774 | -13% |
| Cosby | $2,036 | +0% |
| Duff | $2,063 | +2% |
| Jefferson City | $1,941 | -4% |
| Rockford | $1,895 | -7% |
| Russellville | $1,900 | -6% |
| Speedwell | $2,049 | +1% |
| Five Points | $2,008 | -1% |
| Iron City | $2,046 | +1% |
| Westpoint | $2,020 | -0% |
| Jamestown | $2,095 | +3% |
| Mc Lemoresville | $2,161 | +6% |
| Huron | $2,182 | +7% |
| Atoka | $2,206 | +9% |
| Grand Junction | $2,303 | +13% |
| Moscow | $2,254 | +11% |
| Rossville | $2,205 | +8% |
| Pall Mall | $2,104 | +4% |
| Sparta | $1,898 | -7% |
| Quebeck | $1,955 | -4% |
| Newcomb | $2,090 | +3% |
| Niota | $1,920 | -5% |
| Powder Springs | $2,014 | -1% |
| Sweetwater | $1,958 | -3% |
| Talbott | $1,924 | -5% |
| Oakfield | $2,088 | +3% |
| Spring Creek | $2,053 | +1% |
| Dellrose | $2,061 | +2% |
| Taft | $2,072 | +2% |
| Allons | $2,038 | +1% |
| Bogota | $2,090 | +3% |
| Crockett Mills | $2,156 | +6% |
| Hickory Valley | $2,276 | +12% |
| Saulsbury | $2,273 | +11% |
| Tigrett | $2,078 | +3% |
| Wildersville | $2,170 | +7% |
| Culleoka | $1,993 | -2% |
| Elkton | $2,028 | +0% |
| Prospect | $2,073 | +2% |
| Allred | $2,016 | -1% |
| Crawford | $2,035 | +0% |
| Hilham | $2,025 | -0% |
| Monroe | $2,013 | -1% |
| Wilder | $2,058 | +2% |
| Lancaster | $2,068 | +2% |
| Monterey | $1,947 | -4% |
| Shiloh | $2,110 | +4% |
| Yuma | $2,139 | +5% |
| Denmark | $2,086 | +3% |
| Loretto | $2,018 | -0% |
| Alpine | $2,034 | +0% |
| Gainesboro | $2,012 | -1% |
| Friendship | $2,129 | +5% |
| Henning | $2,203 | +8% |
| Pocahontas | $2,242 | +10% |
| Brighton | $2,263 | +11% |
| Brunswick | $2,215 | +9% |
| La Grange | $2,176 | +7% |
| Mason | $2,251 | +11% |
| Tipton | $2,229 | +10% |
| Drummonds | $2,246 | +10% |
| Middleton | $2,248 | +10% |
| Munford | $2,201 | +8% |
| Tiptonville | $2,086 | +3% |
| Ridgely | $2,118 | +4% |
| Covington | $2,234 | +10% |
| Halls | $2,113 | +4% |
| Oakland | $2,169 | +7% |
| Alamo | $2,104 | +4% |
| Finley | $2,099 | +4% |
| Gallaway | $2,225 | +9% |
| Newbern | $2,068 | +2% |
| Wynnburg | $2,117 | +4% |
| Brownsville | $2,143 | +6% |
| Burlison | $2,254 | +11% |
| Eads | $2,222 | +9% |
| Ellendale | $2,352 | +15% |
| Macon | $2,213 | +9% |
| Maury City | $2,104 | +4% |
| Stanton | $2,170 | +7% |
| Michie | $2,110 | +4% |
| Morris Chapel | $2,092 | +3% |
| Yorkville | $2,054 | +1% |
| Lawrenceburg | $1,997 | -1% |
| Mount Pleasant | $2,003 | -1% |
| Saint Joseph | $2,019 | -0% |
| Waynesboro | $2,026 | -0% |
| Allardt | $2,131 | +5% |
| Buffalo Valley | $1,929 | -5% |
| Medon | $2,073 | +2% |
| Silerton | $2,165 | +7% |
| Trenton | $2,047 | +1% |
| Pulaski | $2,031 | +0% |
| Santa Fe | $1,990 | -2% |
| Baxter | $1,899 | -6% |
| Campaign | $2,017 | -0% |
| Bradyville | $2,009 | -1% |
| Cornersville | $2,011 | -1% |
| Cumberland City | $2,166 | +7% |
| Gallatin | $1,893 | -7% |
| Hurricane Mills | $2,076 | +2% |
| Milledgeville | $2,125 | +5% |
| Toone | $2,209 | +9% |
| Westport | $2,186 | +8% |
| Clifton | $2,038 | +1% |
| Minor Hill | $2,039 | +1% |
| Granville | $2,029 | +0% |
| Luttrell | $2,067 | +2% |
| Surgoinsville | $1,789 | -12% |
| Ten Mile | $2,047 | +1% |
| Wartburg | $2,135 | +5% |
| Pleasant Hill | $1,925 | -5% |
Average car insurance costs by age and gender in Tennessee
Some states restrict car insurance companies from using your age and gender to determine your car insurance premium, but not Tennessee. The average car insurance cost in Tennessee is generally higher the younger you are. This is because younger drivers have less experience behind the wheel and are viewed as riskier to insure than older, more experienced drivers.
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in TN
$5,198
|
Average minimum coverage premium in TN
$1,527
|
|
Age 18
|
Average annual full coverage premium in TN
$6,400
|
Average minimum coverage premium in TN
$1,938
|
|
Age 20
|
Average annual full coverage premium in TN
$4,721
|
Average minimum coverage premium in TN
$1,262
|
|
Age 25
|
Average annual full coverage premium in TN
$2,668
|
Average minimum coverage premium in TN
$662
|
|
Age 30
|
Average annual full coverage premium in TN
$2,217
|
Average minimum coverage premium in TN
$540
|
|
Age 40
|
Average annual full coverage premium in TN
$2,042
|
Average minimum coverage premium in TN
$510
|
|
Age 50
|
Average annual full coverage premium in TN
$1,904
|
Average minimum coverage premium in TN
$496
|
|
Age 60
|
Average annual full coverage premium in TN
$1,808
|
Average minimum coverage premium in TN
$482
|
|
Age 70
|
Average annual full coverage premium in TN
$2,095
|
Average minimum coverage premium in TN
$580
|
|
|
|
|
|---|---|---|
|
Age 16*
|
Average annual full coverage premium in TN
$4,577
|
Average minimum coverage premium in TN
$1,374
|
|
Age 18
|
Average annual full coverage premium in TN
$5,829
|
Average minimum coverage premium in TN
$1,695
|
|
Age 20
|
Average annual full coverage premium in TN
$4,105
|
Average minimum coverage premium in TN
$1,138
|
|
Age 25
|
Average annual full coverage premium in TN
$2,523
|
Average minimum coverage premium in TN
$652
|
|
Age 30
|
Average annual full coverage premium in TN
$2,166
|
Average minimum coverage premium in TN
$545
|
|
Age 40
|
Average annual full coverage premium in TN
$2,011
|
Average minimum coverage premium in TN
$514
|
|
Age 50
|
Average annual full coverage premium in TN
$1,782
|
Average minimum coverage premium in TN
$499
|
|
Age 60
|
Average annual full coverage premium in TN
$1,773
|
Average minimum coverage premium in TN
$480
|
|
Age 70
|
Average annual full coverage premium in TN
$2,068
|
Average minimum coverage premium in TN
$582
|
Bankrate’s take: Men face higher average car insurance rates than women because, statistically, men are more likely to not wear seatbelts, drive under the influence, exceed the speed limit and engage in other dangerous driving behaviors. To account for the added risk of insuring male drivers, insurers generally charge men higher insurance rates — but not indefinitely. In Tennessee, the gap between male and female car insurance rates appears to narrow from age 30 onward.
Cost considerations for young drivers in Tennessee
Teens and young drivers pay some of the highest car insurance premiums, partly due to their tendency to exhibit risky driving behaviors. One strategy parents might employ to help bring these premiums down is to list their young driver on their policy. However, your car insurance company may require that your young adult child lives in your household for this to be an option. You may want to reach out to your insurance agent to discuss if this tactic could be right for you and your family.
|
|
|
|---|---|
|
Age 16*
|
Avg. annual premium for drivers in TN
$4,887
|
|
Age 17
|
Avg. annual premium for drivers in TN
$4,560
|
|
Age 18
|
Avg. annual premium for drivers in TN
$4,091
|
|
Age 19
|
Avg. annual premium for drivers in TN
$3,554
|
|
Age 20
|
Avg. annual premium for drivers in TN
$3,296
|
|
|
|
|---|---|
|
Age 18
|
Avg. annual premium for drivers in TN
$6,115
|
|
Age 19
|
Avg. annual premium for drivers in TN
$4,954
|
|
Age 20
|
Avg. annual premium for drivers in TN
$4,413
|
| Age | Avg. annual premium difference for drivers on their own policy |
|---|---|
| Age 18 | 49 percent more |
| Age 19 | 39 percent more |
| Age 20 | 34 percent more |
*18- and 20-year-old are renters on their own policies with no discounts applied
How does driving record impact the cost of car insurance in Tennessee?
One of the biggest factors that will impact how much car insurance is in Tennessee is your driving record. Even a single speeding ticket or a minor accident might cause a major increase in your car insurance premium. While speeding, at-fault accidents and DUIs can all raise your rates, a DUI is perhaps the most serious offense. Drivers with a DUI conviction on their records will likely not only pay more for insurance, but may also struggle to find coverage, as not all insurers write policies for such drivers. Those who fit this profile may need a company that specializes in high-risk auto insurance and can file an SR-22 certificate on their behalf.
See how certain traffic violations could impact your car insurance rate in Tennessee in the table below.
|
|
|
|
|---|---|---|
|
Clean driving record
|
Avg. annual premium* in TN
$2,026
|
Percentage increase from TN avg. annual premium*
0%
|
|
Avg. annual premium* in TN
$2,452
|
Percentage increase from TN avg. annual premium*
21%
|
|
|
Avg. annual premium* in TN
$2,840
|
Percentage increase from TN avg. annual premium*
40%
|
|
|
Avg. annual premium* in TN
$4,352
|
Percentage increase from TN avg. annual premium*
115%
|
Car insurance rates in Tennessee by credit score
In Tennessee, car insurance companies may use your credit-based insurance score as a rating factor when calculating your rates. Those with poor and average credit usually pay more for insurance than drivers with good and excellent credit.
|
|
|
|
|---|---|---|
|
Avg. annual premium* in TN
$4,301
|
Percentage change from TN average annual premium*
112%
|
|
|
Average
|
Avg. annual premium* in TN
$2,310
|
Percentage change from TN average annual premium*
14%
|
|
Avg. annual premium* in TN
$2,026
|
Percentage change from TN average annual premium*
0%
|
|
|
Excellent
|
Avg. annual premium* in TN
$1,656
|
Percentage change from TN average annual premium*
-18%
|
Tennessee car insurance rates by vehicle type
Your vehicle’s make and model may also impact your car insurance rates. Most of the time, luxury vehicles, sports cars and large trucks cost more to insure. There are, however, exceptions to this rule. For instance, some standard economy sedans may have relatively high rates because they are stolen more often, simply because there are more of them on the road. For this reason, if you're considering a new vehicle, it may be a good idea to request quotes for each type of vehicle you’re thinking about to find the cheapest car insurance.
|
|
|
|---|---|
|
Avg. annual premium* in TN
$2,026
|
|
|
Avg. annual premium* in TN
$1,952
|
|
|
Avg. annual premium* in TN
$1,808
|
|
|
BMW 330i
|
Avg. annual premium* in TN
$2,472
|
|
Toyota Prius
|
Avg. annual premium* in TN
$2,091
|
Estimate your car insurance cost in Tennessee
There’s a lot that goes into car insurance costs — so much so that it can feel impossible to determine what you’ll pay for your coverage. Bankrate can help. After you enter some basic information in the calculator tool below, we’ll give you an estimate of your car insurance rate. It’s not an exact quote, but our estimate can give you better insight into your car insurance costs to help with budgeting.
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How to save on car insurance in Tennessee
Under Tennessee law, drivers are required to carry certain amounts of insurance coverage. There are a number of ways you may be able to save money on car insurance in Tennessee, though. Here are some strategies you might consider:
- Get multiple quotes: Before you settle on an insurance company, get a few quotes from different providers and compare them to see which carrier can offer the lowest rate for the type and amount of coverage you need.
- Look for discounts: When you are comparing insurance companies, look for providers that offer multiple discounts you can take advantage of. The more discounts you qualify for, the more money you might save.
- Pay in full: Most insurance companies will lower your car insurance rate if you pay the annual premium up front and in full, rather than in 12 or six monthly installments.
- Maintain a clean driving record: As demonstrated by the tables above, a clean driving record may be one of the best strategies for keeping your rates low. Avoiding tickets and accidents could help keep your rates steady.
- Raise your deductible: Your insurance provider could lower your rate if you agree to pay a higher deductible. But, be careful to not raise it too high. Make sure that if you do agree to a higher deductible, the amount is still something you can reasonably afford to pay at a moment’s notice in the case of a claim.
- Consider liability-only coverage: It may not be for everyone, but if you’re someone who wants to pay the least per month, you might want to choose a liability-only policy. The average cost of liability insurance in Tennessee is over $1,000 less per year than full coverage and could help with your monthly expenses. However, if you find yourself needing to file a claim, you could face higher out-of-pocket costs.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze November 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and coverage levels:
Bodily injury liability
$100,000 per person$300,000 per accident
Property damage liability
$50,000 per accidentPersonal injury protection
$100,000 per accidentUninsured motorist bodily injury
$100,000 per person$300,000 per accident
Collision deductible
$500Comprehensive deductible
$500Other profiles
These are sample rates and should only be used for comparative purposes.
