Cheap Tennessee Auto Insurance for 2021
Average Tennessee auto insurance rates are $83.33/mo and Tennessee auto insurance requirements are 25/50/15 for bodily injury and property damage coverage. To save on Tennessee auto insurance coverage, shop around for quotes from multiple Tennessee auto insurance companies to find the best rates.
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Written by
Rachel Bodine
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Reviewed by
Leslie Kasperowicz
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UPDATED: Apr 16, 2021
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Known as “The Volunteer State,” Tennessee boasts a large automobile industry. With people who love to drive those cars, Tennessee auto insurance is a must.
Many new drivers are thoroughly confused by auto insurance, but it doesn’t have to be confusing. Understanding auto insurance is not hard when it’s broken down. It’s important to do a lot of research before buying auto insurance in Tennessee, but we have done that hard work for you.
Before you buy Tennessee auto insurance, make sure you have compared rates. Enter your ZIP code now for free Tennessee auto insurance quotes.
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.
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 a minimum amount of coverage to be financially responsible in an accident. These areas include bodily injury liability 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 pays for injuries to the other driver, passengers, and pedestrians when you are at fault in an accident. For the state of Tennessee, the minimum for bodily injury per person is $25,000 and $50,000 per accident.
The other category of coverage is property damage. This category covers all the expenses needed to repair or replace the other driver’s car or other property after an accident where you are at fault. 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, as well as the assets you have to protect if you are sued following an accident. The cost of a serious accident can be very high, so purchase as much coverage as you can afford.
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Tennessee Auto Insurance Rates
The price for insurance varies greatly in Tennessee, however. Depending on where you’re located, the price can vary from $900 to $1,600.
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.
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.
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.
But which companies are the largest, holding the most market share percentage in the region?
Tennessee Driving Statistics
It’s important to remember that driving is oftentimes very dangerous and that you have to take great precautions 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.
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Tennessee Auto Insurance Agents
Tennessee Auto Insurance Agents
- Adams
- Adamsville
- Alamo
- Alcoa
- Alexandria
- Algood
- Allardt
- Altamont
- Antioch
- Ardmore
- Arlington
- Ashland City
- Athens
- Atoka
- Atwood
- Auburntown
- Baileyton
- Baneberry
- Bartlett
- Baxter
- Beersheba Springs
- Bell Buckle
- Belle Meade
- Bells
- Benton
- Berry Hill
- Bethel Springs
- Big Sandy
- Blaine
- Bloomingdale
- Blountville
- Bluff City
- Bolivar
- Bon Aqua
- Braden
- Bradford
- Brentwood
- Brighton
- Bristol
- Brownsville
- Bruceton
- Bulls Gap
- Burlison
- Burns
- Byrdstown
- Calhoun
- Camden
- Carthage
- Caryville
- Cedar Hill
- Celina
- Centertown
- Centerville
- Chapel Hill
- Charleston
- Charlotte
- Chattanooga
- Church Hill
- Clarksburg
- Clarksville
- Cleveland
- Clifton
- Clinton
- Coalmont
- College Grove
- Collegedale
- Collierville
- Collinwood
- Colonial Heights
- Columbia
- Concord
- Cookeville
- Coopertown
- Copperhill
- Cordova
- Cornersville
- Corryton
- Counce
- Covington
- Cowan
- Crab Orchard
- Crawford
- Cross Plains
- Crossville
- Crump
- Cumberland City
- Cumberland Gap
- Cunningham
- Dandridge
- Dayton
- Decatur
- Decaturville
- Decherd
- Dickson
- Dover
- Dowelltown
- Doyle
- Dresden
- Ducktown
- Dunlap
- Dyer
- Dyersburg
- Eads
- Eagleville
- East Ridge
- Eastview
- Elizabethton
- Elkton
- Englewood
- Enville
- Erin
- Erwin
- Estill Springs
- Ethridge
- Etowah
- Fairfield Glade
- Fairview
- Fall Branch
- Farragut
- Fayetteville
- Finger
- Forest Hills
- Franklin
- Friendship
- Friendsville
- Gadsden
- Gainesboro
- Gallatin
- Gallaway
- Garland
- Gates
- Gatlinburg
- Germantown
- Gibson
- Gilt Edge
- Gleason
- Goodlettsville
- Gordonsville
- Grand Junction
- Gray
- Graysville
- Greenback
- Greenbrier
- Greeneville
- Greenfield
- Gruetli Laager
- Guys
- Halls
- Harriman
- Harrison
- Harrogate
- Hartsville
- Helenwood
- Henderson
- Hendersonville
- Henning
- Henry
- Hermitage
- Hickory Withe
- Hixon
- Hixson
- Hohenwald
- Hollow Rock
- Hornbeak
- Hornsby
- Humboldt
- Huntingdon
- Huntland
- Huntsville
- Iron City
- Jacksboro
- Jackson
- Jamestown
- Jasper
- Jefferson City
- Jellico
- Joelton
- Johnson City
- Jonesborough
- Kenton
- Kimball
- Kingsport
- Kingston
- Kingston Springs
- Knoxville
- Kodak
- La Follette
- La Vergne
- Lafayette
- Lake City
- Lakeland
- Lakesite
- Lakewood
- Lascassas
- Lawrenceburg
- Lebanon
- Lenoir City
- Lewisburg
- Lexington
- Liberty
- Linden
- Livingston
- Lobelville
- Lookout Mountain
- Loretto
- Loudon
- Louisville
- Luttrell
- Lyles
- Lynchburg
- Lynnville
- Madison
- Madisonville
- Manchester
- Martin
- Maryville
- Mascot
- Mason
- Maury City
- Maynardville
- McEwen
- McKenzie
- McLemoresville
- McMinnville
- Medina
- Memphis
- Michie
- Middleton
- Midtown
- Midway
- Milan
- Milledgeville
- Millersville
- Millington
- Minor Hill
- Mitchellville
- Monteagle
- Monterey
- Mooresburg
- Morrison
- Morristown
- Moscow
- Mosheim
- Mountain City
- Mt Carmel
- Mt Juliet
- Mt Pleasant
- Munford
- Murfreesboro
- Nashville
- New Hope
- New Johnsonville
- New Market
- New Tazewell
- Newbern
- Newport
- Niota
- Nolensville
- Norris
- Oak Hill
- Oak Ridge
- Oakdale
- Oakland
- Obion
- Old Hickory
- Oliver Springs
- Oneida
- Ooltewah
- Orlinda
- Palmer
- Paris
- Parrottsville
- Parsons
- Pegram
- Petersburg
- Philadelphia
- Pigeon Forge
- Pikeville
- Pine Crest
- Piney Flats
- Piperton
- Pittman Center
- Pleasant Hill
- Pleasant View
- Portland
- Powell
- Powells Crossroads
- Pulaski
- Puryear
- Ramer
- Red Bank
- Red Boiling Springs
- Riceville
- Ridgely
- Ridgeside
- Ridgetop
- Ripley
- Rives
- Roan Mountain
- Rockford
- Rockwood
- Rogersville
- Rossville
- Rutherford
- Rutledge
- Saltillo
- Samburg
- Sardis
- Savannah
- Scotts Hill
- Selmer
- Sevierville
- Sewanee
- Seymour
- Sharon
- Shelbyville
- Signal Mountain
- Smithville
- Smyrna
- Sneedville
- Soddy Daisy
- Somerville
- South Carthage
- South Fulton
- South Pittsburg
- Sparta
- Spencer
- Spring City
- Spring Hill
- Springfield
- St Joseph
- Stanton
- Stantonville
- Sunbright
- Surgoinsville
- Sweetwater
- Talbott
- Tazewell
- Tellico Plains
- Tennessee Ridge
- Thompsons Station
- Three Way
- Tiptonville
- Toone
- Townsend
- Tracy City
- Trenton
- Trezevant
- Trimble
- Troy
- Tullahoma
- Tusculum
- Unicoi
- Union City
- Vanleer
- Vonore
- Walden
- Wartburg
- Wartrace
- Watauga
- Watertown
- Waverly
- Waynesboro
- Westmoreland
- White Bluff
- White House
- White Pine
- Whiteville
- Whitwell
- Williston
- Winchester
- Winfield
- Woodbury
- Woodland Mills
- Yorkville
Additional Tennessee Auto Insurance Resources
- Motor Vehicle Commission – From the Tn department of commerce and insurance.
- Financial Responsibility Laws – If you need an SR22 in the state of Tn., you should read this.
- Tn State Highway Laws – Key laws in the state of Tennessee from the GHSA.
- Tennessee Teen Driving Laws – From DrivingLaws.org
Tennessee Auto Insurance Quotes
Looking for a place to get an insurance quote can oftentimes 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 auto insurance rates in Tennessee. If you’re interested in getting a quote for insurance policies in your area, just enter your ZIP code to begin.
