Good news for Tennessee drivers: Jerry’s latest data shows that liability coverage in the Volunteer State averages about $250 per month. Over the past year, we’ve helped 8,621 Tenneesseedrivers find affordable car insurance, and drivers who buy with Jerry save an average of $225 each year without sacrificing important protection.
Jerry compares quotes from up to 12 trusted insurers in Tennessee, helping you build a policy and secure your best rate in minutes.
Save on Tennessee insurance with Jerry.
What Tennessee drivers are paying right now
Insurance rates in Tennessee move constantly. High-speed rural highways, fast-growing cities like Nashville and Knoxville, and above-average rates of uninsured drivers all contribute to price swings. Two people with similar vehicles and spotless records can still see very different premiums depending on where they live.
Jerry tracks live quotes statewide to give you a real-world look at what Tennessee drivers are paying today. Here are a few examples of cheap full coverage policies in Tennessee that were recently purchased through Jerry.
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Key takeaway: Give your rates a quick check every so often. In Tennessee, everything from tornado seasons to rising crash rates along I-40 and I-24 can nudge your premium up or down at renewal time.
4 smart ways Jerry helps Tennessee drivers save on car insurance
If you’re trying to trim your insurance bill in Tennessee, you’re not alone. But chasing the lowest number on the screen isn’t always the smartest move. The real advantage comes from understanding what actually drives your rate.
Jerry compares real offers, uncovers discounts you might not know you qualify for and shows you exactly where you can save without weakening your coverage.
Here are our top tips for finding the cheapest car insurance in Tennessee.
| How to save | Average Tennessee driver savings |
|---|---|
| Compare quotes | 26% to 49% |
| Stack discounts | 28% to 52%* |
| Pick the right deductible | 13% to 71%* |
| Use telematics | 6%* |
*Among all Jerry drivers nationwide.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Jerry Agent Tip 1: Compare quotes from multiple insurers
Tennessee’s insurance pricing varies widely by company. Urban areas like Nashville and Memphis see heavier traffic and higher collision costs, while rural counties tend to face more deer strikes and weather-related claims. Add in Tennessee’s rapid population growth — one of the fastest in the country — and insurers price risk very differently.
Comparing rates side by side with Jerry is the quickest way to avoid overpaying.
Here’s where Tennessee drivers who saved most often switched after comparing with Jerry:
| Insurance carrier | Tennessee drivers who switched | Average Jerry savings |
|---|---|---|
| Progressive | 34% | 29% |
| Assurance America | 18% | 35% |
| Trexis | 9% | 27% |
| Gainsco | 7% | 30% |
| Advantage Auto | 5% | 16% |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Why it matters: Location plays a big role in Tennessee. Drivers in Murfreesboro or Clarksville may pay more due to growth and congestion, while those in smaller towns might have more storm-related claims. Jerry helps you compare differences instantly, saving many drivers more than a third.
Jerry Agent Tip 2: Combine discounts for a cheaper rate
Most Tennesseans qualify for multiple discounts, from bundling home and auto to anti-theft devices, good-student credits and safe-driver rewards. But insurers rarely apply them all automatically.
Jerry finds the discounts you qualify for so savings don’t get overlooked.
Key takeaway: Stacking discounts often delivers more meaningful savings than simply raising your deductible.
Jerry Agent Tip 3: Pick the right deductible
Increasing your deductible can reduce your premium, but only if it’s a number you can comfortably afford after filing a claim. Tennessee drivers face everything from sudden hailstorms to wildlife collisions on country roads, so choose a deductible that won’t strain your finances.
Here’s what many Jerry drivers choose:
To find your ideal deductible:
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Review your car’s current value (Jerry updates this monthly).
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Choose a number you could realistically pay out of pocket.
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Compare how each deductible option changes your rate in real time.
The Jerry difference: Jerry shows savings across multiple deductible levels so you can pick the mix of cost and coverage that fits your budget.
Jerry Agent Tip 4: Let technology set your rate
Telematics programs that track how, when and how often you drive can help Tennessee drivers cut their premiums. Many insurers reward safer driving patterns like steady braking, lower mileage or avoiding late-night driving on rural highways and mountain roads, where crash rates run higher.
Jerry’s DriveShield adds an extra edge. It monitors your driving, scores your habits and automatically shops for lower rates when your score qualifies you for a discount. We only share your drive score with insurers if it can actually reduce your price. On average, Jerry drivers save about 6% with telematics.
Get personalized car insurance rates now.
How to get better coverage without overpaying
Tennessee requires 25/50/15 liability coverage, but many drivers choose higher limits due to rising repair costs and injury expenses. Here are the average prices for common coverage levels in Tennessee:
Minimum
$54 – $101/mo
Meets Tennessee’s 25/50/15 minimum liability requirements but doesn’t cover damage to your own vehicle.
Full
$113 – $234/mo
Adds collision and comprehensive, typically required for leased or financed vehicles.
Standard
$151 – $294/mo
Adds uninsured/underinsured motorist coverage and medical payments, important in Tennessee where UM/UIM claims are increasingly common.
Preferred
$177 – $346/mo
Higher liability limits, lower deductibles and extras like rental reimbursement or towing mean maximum protection.
Key takeaway: Start with your comfort around risk and the value of your car. Jerry shows real-time prices so you can choose confidently.
The cheapest policy in Tennessee is liability-only, but adding a few affordable coverages on top of that can make a big difference if you need them. Here’s what each type of coverage offers:
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Coverage definitions
Tennessee insurance factors at a glance
Tennessee’s insurance prices reflect the daily realities of driving here. These factors, from steep mountain grades in the east to high-speed interstates and fast-growing metro areas, can influence how much you’ll pay for coverage, too.
Severe weather
Tennessee sees tornadoes, hail and sudden downpours, especially in spring and summer. Comprehensive coverage helps protect your vehicle.
Wildlife collisions
Deer-vehicle crashes peak in fall and are more common along rural highways and forested areas. (Another vote for comprehensive.)
Congested cities
Nashville and Memphis both rank among the Southeast’s busiest traffic zones, raising collision and injury claim costs.
Tennessee Insurance After a Ticket, Accident or SR-22
A driving mistake shouldn’t determine your rate forever. And with Jerry, it doesn’t.
Even if your record isn’t spotless, you can still find competitive pricing. Jerry works with insurers that take a balanced view of past violations and automatically re-shop your policy as your record improves.
If you got a ticket
Tennessee uses a point system for speeding, failure to yield and other moving violations. Rack up enough points within a short period and you may face mandatory classes or license suspension.
A single speeding ticket can raise your insurance rate by 15% to 30%, though state-approved defensive driving courses may reduce points or qualify you for a rate reduction. Jerry also automatically shops for lower prices after your violation clears.
Here are the average rate increases we’ve seen for Tennessee drivers after a ticket:
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Speeding under 15: 18%
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Speeding over 15: 21%
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Failure to obey traffic sign: 10%
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve had an accident
An at-fault crash raises Tennessee drivers’ premiums by an average of 9%, and those higher rates can stick around for three to five years. Jerry finds the cheapest available rate immediately and re-shops your coverage once the accident falls off.
Rates after an accident, full coverage
|
Accident record
|
Average monthly quote
|
|---|
|
Accident record
|
Average monthly quote
|
|---|---|
| Not At Fault | $261 |
| At Fault With No Injury | $282 |
| At Fault With Injury | $319 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you’ve been convicted of a DUI
A DUI in Tennessee brings heavy penalties and can push insurance rates up substantially, often for three to five years. Some insurers still offer competitive pricing for high-risk drivers, though, but you’ll want to shop around.
Jerry identifies those carriers and re-shops your policy as your record improves.
Here are the cheapest insurance companies in Tennessee after a DUI conviction and how much they charge on average:
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|
|
Insurer
|
Avg monthly rate after DUI
|
Offers coverage after DUI
|
|---|---|---|
| $63 | Yes | |
| $163 | Yes | |
| $168 | Yes | |
| $173 | Yes | |
| $207 | Yes |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
If you need an SR-22 in Tennessee
Tennessee may require an SR-22 after certain violations, uninsured accidents or license suspensions. Just check the SR-22 option in the Jerry app and you’ll only see insurers that handle the filing. Most charge around $25 a year to submit the form.
Car Insurance with Bad Credit
Tennessee allows insurers to use credit-based insurance scores. While credit can influence your rate, continuous coverage, smart deductible choices and frequent quote checks often have a stronger impact on long-term savings.
Jerry helps you compare quotes instantly so you can find your best price.
Average rates in Tennessee by credit score
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings vary by state, coverage, driver profile and other factors.
Drive with confidence
Tennessee’s mix of mountain weather, rural highways, growing cities and high uninsured-driver rates means there’s no single plan that works for everyone. The right policy is one that protects you based on how and where you actually drive.
Jerry makes it easy to build a policy tailored to life in Tennessee and stay protected year-round.
Get Tennessee coverage in as little as 2 minutes.
Methodology
To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.
At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.
Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.
Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.
Read more about Jerry’s data gathering and verification processes
Stephanie Colestock is a professional writer, CFEI®, and licensed insurance agent specializing in personal finance. With over 14 years of experience, she crafts insightful and accessible content on a wide range of financial topics, including insurance, loans, credit/debt, investing, retirement planning, and banking.
Her bylines appear in top-tier publications such as TIME, Fortune, MSN, Business Insider, USA Today, Money, Fox Business, and CBS. Stephanie’s deep understanding of complex financial concepts and her ability to communicate them clearly have made her a trusted voice in the industry.
When she’s not writing, Stephanie enjoys SCUBA diving, reading a good book, and traveling the world with her family.
Ben Moore is a writer and editor at Jerry and an auto insurance expert. He previously worked as a writer, editor and content strategist on NerdWallet’s auto insurance team for five years. His work has been published in The Associated Press, Washington Post, Chicago Sun-Times, MarketWatch, Nasdaq and Yahoo News. He also served as a NerdWallet spokesperson, with appearances on local broadcast television and quotes in Martha Stewart and Real Simple magazine.
Ben has an extensive background in digital marketing, working on affiliate and programmatic advertising campaigns for brands like Cabela’s, H&R Block and Sears. He holds a bachelors degree in marketing from Olivet Nazarene University.
