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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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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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. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

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.

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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

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

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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.

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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.

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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.

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

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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

Additional Tennessee Auto Insurance Resources

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.

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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 %