Tennessee Auto Insurance

FREE Car Insurance Comparison

Secured with SHA-256 Encryption

Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for 4autoinsurancequote.com for over a year and enjoys creating content that offers expert advice on car insurance topics.

Full Bio →

Written by

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

Full Bio →

Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSRhttps://res.cloudinary.com/quotellc/image/upload/insurance-site-images/4autoins-live/6ea5d860-leslie-kasperowicz.jpg

UPDATED: Apr 28, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Tennessee state flagKnown as “The Volunteer State,” Tennessee was home to some of America’s greatest political figures such as Davy Crockett, Andrew Jackson, and Sam Houston. With a motto like “Agriculture and Commerce” it’s no secret that Tennessee knows how to do business. Tennessee sports two large metropolitan cities: Nashville and Memphis. In recent years, people have been moving from some of the more densely populated states such as California and Florida in favor of Tennessee’s low cost of living and booming automobile industry. In a completely landlocked state like Tennessee it’s no wonder that one of its largest industries is automobiles. The cars, vans, and trucks produced will eventually make their way onto the road, so it’s only logical that auto insurance is a big deal in Tennessee.

Many new drivers are thoroughly confused when it comes to buying auto insurance. This stigma was probably brought on by the fact that there are so many providers to choose from and regulations to follow. But fear not, buying insurance is not as hard as it’s hyped up to be. It’s important to do a lot of research before buying auto insurance because of sheer importance of having protection. It’s often recommended that you are familiar with the regulations set in place by the state’s Department of Insurance and Department of Transportation before buying insurance. Many of the facts and details will be covered below, but it’s still important to be completely sure of what you’re getting before you get it.

tennessee auto insurance

Tennessee Auto Insurance Requirements

In Tennessee, the state liability coverage minimums are:

  • Bodily Injury Liability Coverage – $25,000 per person
  • Bodily Injury Liability Coverage – $50,000 per accident
  • Property Damage Liability Coverage – $15,000 per accident

Take a look at how Tennessee’s minimum rates compare with surrounding states.

View as image

Optional coverage options in TN include:

  • Comprehensive Coverage
  • Collision Coverage
  • Medical Payments Coverage
  • Rental Car Reimbursement Coverage
  • Roadside Assistance / Towing and Labor Coverage
  • Uninsured Motorists Coverage

First of all, many states require you to have coverage in three distinct areas. These areas include: bodily injury, accidents, and property damage. All insurance providers have to comply with the state’s set minimums on the amount of coverage required for these three categories. Bodily injury consists of all the medical expenses associated with the damages inflicted during an accident. For the state of Tennessee the minimum for bodily injury per person is $25,000. The next minimum is for specific accidents. It’s required that there be a $50,000 minimum amount of coverage per accident. Finally, the last category of coverage is property damage. This category covers all the expenses needed to repair or replace your vehicle after an accident and the minimum set for this is $15,000.

Though these are the minimum set requirements, it’s not always recommended that you only get the minimum. The amount of coverage you should get varies depending on your needs, which makes auto insurance policies such private and personal agreements. For example, if you know that you personally have a medical condition that would make injuries sustained during an accident more severe than other people; you should probably look into getting more coverage for bodily injury. In contrast, if you drive a luxury car, it would generally be wise to get more than the minimum coverage for property damage to make up for the high cost of the vehicle.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Tennessee Auto Insurance Rates

View as image

The price for insurance varies greatly in Tennessee, however. Depending on where you’re located, the price can vary from $900 to $1,600.

View as image

On average, the price for auto insurance in Tennessee is about $1000. It’s shocking how the price fluctuates between rural Tennessee and major cities; major metropolitan areas like Memphis will have average insurance premiums of about $1,600 while other cities such as Nashville will offer the same insurance at about $1,200.

There are a lot of factors that auto insurance companies take into consideration when determining your rates. Take a look at our overview here.

View as image

While many of these factors are simply based on your own driving record, two things that affect even the safest of drivers are age and gender. As with most states, males typically pay higher auto insurance rates than females.

View as image

Tennessee Auto Insurance rates by Company

Though the state boasts fairly low auto insurance rates overall, let’s take a look at how rates vary between some of the largest companies.

View as image

But which companies are the largest, holding the most market share percentage in the region?

View as image

TN Driving Statistics

It’s important to remember that driving is often times very dangerous and that you have to take great precaution on the road. From 2003 to 2007, a total of 675,545 people have been involved in some kind of auto accident. In that same course of time, 48,000 people suffered from injuries and more than 5,000 people were killed. Even though you should be covered by some insurance policy, it’s very important to remember to be your safest on the road because of the high rates of incidents. The amount of auto theft in Tennessee is quite high as well. In 2009 alone, there were 14,973 stolen vehicles reported, making the rate 237.8 thefts per 100,000 vehicles. Fortunately, the rate has been decreasing since 2001, but it is still a great number of vehicles.

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

TN Auto Insurance Quotes

Looking for a place to get an insurance quote can often times be difficult, that’s why here at 4AutoInsuranceQuote.com we try to make things as simple as possible for you. We can easily help you find the best insurance rates in Tennessee. If you’re interested in getting a quote for insurance policies in your area, simply scroll back to the top of the page and enter your zip code to begin.

Tennessee Auto Insurance Agents

Additional Tennessee Auto Insurance Resources

Are you looking for free insurance quotes?

Your one-stop online Car Insurance guide. Get a Free Quote Now!

(855) 898-5028
State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly Tennessee Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in Tennessee
Average Monthly Auto Insurance Rates by Age & Gender in Tennessee
Tennessee Auto Insurance Rates by Company vs. State Average
Tennessee Auto Insurers by Market Share %
State Minimum Auto Insurance Rates Nationwide
Average Monthly Auto Insurance Rates by State
Monthly Tennessee Auto Insurance Rates by ZIP Code
Factors Affecting Auto Insurance Rates in Tennessee
Average Monthly Auto Insurance Rates by Age & Gender in Tennessee
Tennessee Auto Insurance Rates by Company vs. State Average
Tennessee Auto Insurers by Market Share %