Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 50+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.
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Compare Car Insurance Quotes in Tennessee
Jerry is a free app trusted by 20,123 Tennessee drivers that compares insurance quotes from top carriers.
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Get personalized options in minutes.
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Buy, bundle and switch right in the app.
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Licensed agents are ready to help if you need them.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
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10 years in journalism
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Best Business Writing (1st)
Average Tennessee car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $153 a month for state minimum and $382 a month for full coverage. But in Tennessee, Jerry drivers pay less:
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$55 to $105 per month for state-mandated minimum coverage.
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$152 to $293 per month for full coverage.
Drivers who take a few minutes to shop around and compare coverage can often find lower rates. Over the last 12 months, Jerry has helped Tennesseeans save an average of $910 per year on coverage just by comparing their options.
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Jerry helps you shop offers and lock in your Tennessee car insurance in under 10 minutes. It’s free, entirely online and we never sell your info or flood your phone with calls. If you’d prefer to talk to a real person, you can connect with one of our licensed agents anytime.
Of course, what you’ll pay depends on a mix of details like your driving record, the car you drive and your ZIP code. Here are some full coverage rates that Jerry drivers in Tennessee have recently gotten:
Recent quotes
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Bundle home and auto insurance with Jerry
Tennessee homeowners deal with severe thunderstorms, flooding in low-lying areas and tornadoes, especially in the western and central parts of the state. Bundling home and auto insurance is an effective strategy to reduce your overall insurance costs.
Bundling discounts typically range from 5–25%, depending on the insurer. But bundling with the same carrier isn’t always the cheapest option — mixing carriers can actually result in a lower total cost. Over the past year, drivers who switched through Jerry saved an average of 40% compared to their previous policy.
Here’s what really sets Jerry apart: you don’t have to use the same insurer for both. Jerry’s mix-and-match approach lets you pair the best home insurance rate with the best auto insurance rate, even from different carriers. That way you’re not overpaying on one policy just to get a discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Tennessee drivers are paying with Jerry
Comparing quotes from multiple insurers is the simplest way to make sure you’re getting the right coverage at the right price. Whether you’re building a new policy, matching your current one or looking for the cheapest car insurance in Tennessee, it pays to see what’s out there.
That matters in Tennessee, where Nashville and Memphis traffic look nothing like driving in Knoxville, Chattanooga, or the rural stretches in between. Each part of the state comes with its own conditions and costs, and severe weather across Middle Tennessee adds to the picture. Jerry works with Tennessee drivers every day, so your quotes reflect what’s actually typical for your area and driving profile.
Jerry helps you compare quotes from up to 13 trusted insurers in the Volunteer State, so you can see what’s out there and what you should be paying. Below are some of the latest quotes Jerry has pulled for Tennessee drivers at different coverage levels, plus how much each driver saved.
Recent quotes in Tennessee
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Tennessee car insurance coverage requirements
Tennessee drivers have to buy liability insurance coverage before they can legally drive their car. Minimum coverage requirements in this state include:
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$25,000 in bodily injury liability per person.
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$50,000 in bodily injury liability per accident.
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$25,000 in property damage liability per accident.
Of course, this is just the absolute minimum coverage required in Tennessee if you want to get behind the wheel. If you want to better protect yourself, your car and your assets, you might consider increasing your coverage limits or buying comprehensive and collision coverage, which many Jerry drivers do. Also keep in mind that over 21% of Tennessee drivers are uninsured; buying uninsured/underinsured motorist (UM/UIM) protection can give you even greater peace of mind.
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Coverage definitions
Factors affecting Tennessee car insurance rates in 2026
Tornadoes, hail, and severe storms
Spring and summer bring serious storm activity across Tennessee, from hail and falling limbs to flooding that can damage vehicles even while they’re parked. We recommend keeping comprehensive coverage to pay for weather-related damage outside of a collision.
Deer collisions
Deer strikes peak in fall and are more common on darker rural highways and near wooded areas. Comprehensive coverage typically pays for animal impacts, so it’s worth keeping if you do a lot of driving outside Nashville, Memphis or Knoxville.
Nashville and Memphis congestion
Heavier traffic in the major metros means more braking, more merging and more fender benders. Carry collision coverage so your repairs don’t depend on a fault decision, and consider a telematics program like Jerry DriveShield so safer driving can potentially translate into a lower rate.
Uninsured drivers
More than one in five Tennessee drivers is uninsured, according to the IRC. Jerry recommends matching your UM/UIM to your liability limits, so you’re protected if the other driver can’t cover your injuries or damage.
Mountain driving in East Tennessee
Steep grades, tight curves and fast-changing weather in the Smokies and surrounding highlands can increase accident severity. Keep collision coverage active and set a deductible you can manage, because mountain-road crashes tend to be more costly.
High-speed interstates
Tennessee’s major interstates move fast, and higher-speed crashes are more expensive across the board. Carry liability limits that actually protect your assets, not just the state minimum, because a serious collision at highway speed can involve significant injury and property costs.
Average cost of car insurance in major Tennessee cities
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City
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Average monthly cost
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City
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Average monthly cost
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|---|---|
| $252 | |
| $219 | |
| $163 | |
| $177 | |
| $211 | |
| $185 | |
| $224 | |
| $152 |
Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.
Get Tennessee quotes in as little as 2 minutes.
Learn more about driving in Tennessee
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Everything you need to know about Tennessee towing laws.
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Learn how at-fault states affect your car insurance.
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Understand the 6 main types of car insurance coverage.
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Find out how much car insurance you need.
FAQ
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Is Tennessee an at-fault insurance state?
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Do I have to carry proof of insurance in Tennessee?
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Is electronic proof of insurance accepted in Tennessee?
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What happens if I get pulled over without insurance in Tennessee?
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Does Tennessee require PIP?
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.