Jerry works with 13 different insurance companies in the Volunteer State, and this year alone we’ve helped 15,066 Tennessee drivers get competitive quotes and switch their coverage.

We understand that every driver has different needs, and since we’ve helped thousands of TN drivers just like you, we understand what’s important. We can show you real choices made by real people, and how other drivers in your state are choosing their top car insurance coverage.

Here’s what we’ve noticed:

• Progressive is the single most-chosen insurer among Jerry customers in Tennessee.

• GEICO and Trexis come in second and third place.

• The rest of our customers are spread across strong carriers like Assurance America, Gainsco and others.

That tells us there’s no one “best” company for every driver. But there is a best fit for you, based on your own driving profile, coverage needs and risk tolerance.

Most popular insurers in Tennessee

Insurer	Share of Jerry drivers	Jerry customer rating
Progressive	38%	4.7
GEICO	16%	4.9
Trexis	10%	4.8
Assurance America	6%	No Rating
Gainsco	6%	5.0

Based on the most frequently chosen carriers by Jerry customers in this state. Customer rating based on average rating by Jerry customers in this state.

Quick picks: Best Tennessee car insurance by driver profile

Here are the categories we chose when selecting our best insurance companies for Tennessee drivers, and why. Use this as a starting point, then let Jerry personalize the results for your exact details.

How Jerry helps Tennessee drivers find their best insurance

There’s a reason Jerry doesn’t look like your typical insurance quote site. It’s because we are anything but typical.

For Tennessee drivers, we don’t just find a low number, we find the right policy by:

• Using real data from 15,066 recent Tennessee quotes to best compare your coverage options.

• Analyzing 13 top insurers in the state against our quality criteria and your specific needs.

• Showing you highly-rated options that balance coverage, claims and cost.

• Explaining why each option makes sense for your situation.

• Handling all the paperwork — including cancellation and refund requests — and helping you switch, so you never have a coverage gap.

• Continuing to monitor market rates so you always know when it’s time to shop for better pricing.

What does that mean for TN drivers? An average annual savings of $476 and high satisfaction rates among drivers who switch with Jerry.

Ready to see what you could save? Answer a few quick questions and we’ll show you the top options, fast.

Best car insurance for most TN drivers

Tennessee drivers havemany different insurance companies to choose from when shopping for coverage through Jerry. Since each carrier brings its own unique mix of coverages, features, benefits and pricing to the table, Jerry helps customers compare real options and find their personal mix of affordability and protection.

Here are some of the most recent quotes that drivers have received in the state and the savings they found through Jerry:

Recent quotes in Tennessee

In general, good drivers in Tennessee are looking for a combination of full coverage at a competitive price with strong claims support, if and when they need it. For this category of drivers, three insurance companies consistently stand out as Jerry customer favorites: Progressive, GEICO and Trexis. Jerry can help you compare them (and others) in just minutes, so you can decide which one actually fits your needs.

Here’s a rundown of what each of these top carriers offers and why Jerry customers consider them a top pick.

1. Progressive

Recent quotes for TN drivers

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.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend Progressive:

  • Competitive rates for many driver profiles, especially when comparing full coverage.
  • Easy online and app-based payments, policy management, and claims filing.
  • Solid coverage choices for drivers who want more control over deductibles and add-ons.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. GEICO

Recent quotes for TN drivers

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.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend GEICO:

  • Quick online and mobile payment options, plus straightforward policy management and claims filing.
  • Very competitive full-coverage pricing for many TN driver types.
  • Snapshot® rewards safer driving with additional discounts as time goes on.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. Trexis

Recent quotes for TN drivers

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.

Customer rating based on average rating by Jerry customers in this state.

• Why we recommend Trexis:

  • Straightforward core coverages like liability, comp, collision and UM/UIM.
  • Rental reimbursement available.
  • Designed for drivers rebuilding after tickets, accidents, or a lapse.
  • Aside from competitive pricing, Jerry customers praise Trexis for available discounts and customer service satisfaction.

Best TN car insurance for bundling home and auto

When you own a home, your car insurance isn’t just about dents and fender benders. It’s also there to help protect your savings and assets if you’re found responsible for an accident, as paying for someone else’s medical bills or property damage gets expensive fast.

For many homeowner drivers, bundling auto and home insurance is a simple way to keep coverage in one place and qualify for discounts that can lower your bill. But bundling isn’t the only way homeowners can benefit. Even with separate insurers, some carriers still factor in homeownership with added discounts or coverage limits that line up better with what you’re protecting.

In Tennessee, Jerry sees most home-owning customers choosing Progressive, GEICO and Trexis for their auto coverage, including those who do and don’t bundle those policies together. Here’s what each top carrier offers and why Jerry customers pick them most often.

1. Progressive

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend Progressive:

  • Experienced legal and claims teams ready for serious accidents and lawsuits.
  • High liability and umbrella coverage designed to work seamlessly alongside homeowners policies.
  • Proven expertise supporting households with higher assets, net worths, and more complex coverage requirements.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. GEICO

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend GEICO:

  • Multi-policy savings on auto and home, renters or condo.
  • Highly rated app for payments, ID cards, vehicle changes and claim filing.
  • A++ AM Best financial strength rating for claims support.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. Trexis

Recent quotes for homeowners

Based on Jerry customers with clean driving records, who own a home and found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based average rating by Jerry customers that are homeowners in the past 12 months.

• Why we recommend Trexis:

  • Keep households better coordinated with easy access to listed drivers, coverages and more.
  • Claims access built around quick reporting, day or night.
  • Versatile policies with higher liability limits available.
  • Aside from competitive pricing, Jerry customers praise Trexis for available discounts and customer service satisfaction.

Best value for budget-focused TN drivers

Some people chase the lowest premium. Others want a policy that won’t fall apart the moment something goes wrong. If you’re in the second camp but still want to keep costs reasonable, the right carrier can make a big difference. In Tennessee, Jerry data show Progressive, GEICO and Trexis often offer the strongest mix of price and protection for drivers trying to stay on budget. Not always the cheapest insurance in Tennessee, but often the best deal.

Over the past 12 months, Jerry has helped 5,593 Tennessee drivers find coverage under $100/month, without dropping to bare-minimum limits.

Here’s a look at what each top carrier offers and why Jerry customers say they’re a top pick.

1. Progressive

Recent price-friendly 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.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend Progressive:

  • Lots of discount paths like multi-car, bundling, safe driver and continuous coverage.
  • Strong self-serve experience for policy changes and claims in the app.
  • Flexible coverage limits and deductibles so you can right-size cost.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. GEICO

Recent price-friendly 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.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend GEICO:

  • Strong mobile app for payments, digital ID cards, roadside help and claim filing or tracking.
  • Broad discount menu that can include good driver, defensive driving, driver education and vehicle safety or anti-theft features, varies by state.
  • Flexible payment setup in-app with multiple payment methods and adjustable payment amounts.
  • Customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. Trexis

Recent price-friendly 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.

Customer rating based on average rating by Jerry customers with below-average credit profiles in the past 12 months.

• Why we recommend Trexis:

  • Non-standard pricing focus is useful when “perfect record” discounts are off the table.
  • Coverages range from liability-only to fuller protection, depending on your budget.
  • Easy access to policy documents, ID cards and more.
  • Aside from competitive pricing, Jerry customers praise Trexis for available discounts and customer service satisfaction.

Best car insurance for TN families with teen drivers

The day your teen gets their license is exciting. The first insurance bill after that? A bit less so.

In Tennessee, adding a teen driver to your policy can push premiums up quickly, and the increase often catches families off guard because it doesn’t always reflect your own history as a safe driver. But you can help mitigate this increase by shopping around and comparing all of your coverage options.

Jerry has helped TN families with teen drivers save an average of annually, most often with Progressive, Trexis and Gainsco.

1. Progressive

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Progressive:

  • Teen driver discount available for drivers 18 or under after one year.
  • Distant student discount for young students or under who live 100+ miles from home with no car at school.
  • If your policy covers multiple vehicles, a listed teen is typically covered driving any vehicle on that policy.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. Trexis

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Trexis:

  • App access to ID cards helps when multiple drivers share vehicles.
  • Roadside assistance option helps keep family logistic rolling.
  • UM or UIM options support family exposure on busy roads.
  • Aside from competitive pricing, Jerry customers praise Trexis for available discounts and customer service satisfaction.

3. Gainsco

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Gainsco:

  • Great for a mix of driver records across parents, teens and young adults.
  • Customizable deductibles and coverage limits for each vehicle.
  • Payment plans that help a household stay continuously insured.
  • Jerry drivers who switched praise Gainsco for its pricing, customer service and robust mobile app.

Best car insurance for TN college students

College drivers are the definition of “it depends.” One semester you’re living on campus without a car, the next you’re commuting, parking on the street or taking long weekend trips. Those shifts affect everything from your rate to your risk profile, and not every carrier handles them the same way.

Jerry has helped 2,245 college students in Tennessee find affordable coverage that still protects them on and off campus. Progressive, GEICO and Trexis are the top choices for Jerry college students in this state. Here’s what each carrier offers and why it stands out.

1. Progressive

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Progressive:

  • Distant student discount structured for students away at school without a car.
  • Tools that help limit cost spikes after a claim.
  • Discounts designed for students staying on a family policy.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. GEICO

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend GEICO:

  • Top-rated app for payments, ID cards and claims tracking.
  • Driver education and defensive driving discounts available.
  • Claim Forgiveness can be used by any drivers on the policy.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. Trexis

Recent college driver quotes

Based on Jerry customers with clean driving records, between ages 17-24, who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers that have children of driving age in the past 12 months.

• Why we recommend Trexis:

  • Rental reimbursement option helps keep life moving after a covered claim.
  • Non-owner option for students who borrow cars.
  • Roadside assistance option helps when a breakdown hits far from home.
  • Aside from competitive pricing, Jerry customers praise Trexis for available discounts and customer service satisfaction.

Best TN car insurance for drivers with violations

Insurance companies don’t love surprises, and violations look like risk. Tickets, at-fault accidents and DUIs can raise your premium quickly and sometimes cut down your carrier options at the same time. Still, plenty of insurers will work with you, and the impact of a violation typically fades as it gets older.

Jerry has helped 1,167 Tennessee drivers with violations find coverage this past year at affordable prices, and we monitor your rates so you’ll know when to shop again after violations fall off your record and you can potentially save even more.

For many drivers in this group, Jerry customers most often find competitive coverage with Progressive, GEICO and Trexis — carriers that tend to be more open to Tennessee drivers who have violations on their record.

1. Progressive

Recent quotes post-violation

Based on Jerry customers with one or more accidents and violations on their records who found savings in the past 18 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend Progressive:

  • Strong option for drivers with tickets and at-fault accidents who need SR-22.
  • App supports quick policy changes, ID cards and claims filing.
  • Small Accident Forgiveness can limit impact from a first claim under $500.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. GEICO

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend GEICO:

  • Non-owner SR-22 option for proof of insurance without owning a car.
  • DriveEasy enrollment rules vary and may require all drivers on the policy.
  • Claim Forgiveness available in select states for a first qualifying loss.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. Trexis

Customer rating based on average rating by Jerry customers with violations in the past 12 months.

• Why we recommend Trexis:

  • Non-owner coverage helps drivers meet requirements without owning a car.
  • Roadside assistance option helps reduce everyday disruptions.
  • SR-22 filing available when required.
  • Aside from competitive pricing, Jerry customers praise Trexis for available discounts and customer service satisfaction.

Car insurance options for TN military families

Active-duty, reserve, guard or veteran, military life can change your driving patterns fast, from long stretches off the road to sudden moves across state lines. Jerry has helped Tennessee military families find coverage that works for deployments, PCS moves and the in-between months.

If you qualify for military-focused insurers, start there. Then widen the search, many standard insurers also offer strong military discounts and flexible policy options, and Jerry can compare them for you.

Here’s how to think about your options.

There are insurers built specifically for military life, including USAA, Navy Federal, Armed Forces Insurance and similar providers.

If you qualify, put them on your shortlist. These companies are built around deployments, PCS orders and frequent moves, and they often offer storage or reduced-use options when your vehicle is parked during deployment. Their service teams also tend to know the realities of orders, pay and timelines, which can reduce friction.

Because these insurers operate a bit differently, Jerry can’t always show live quotes or internal ratings for them. If you qualify, the best way to compare is:

1. Use Jerry to price and compare standard insurers, then
2. Pull direct quotes from one or more military-only insurers.

That way, you’re comparing their offer against competitive market rates.

On top of military-only providers, there are national insurers that offer military discounts, handle deployments and out-of-state moves well and are already integrated with Jerry’s quoting and switching flow.

For many TN military families, GEICO, State Farm and Progressive are often in the mix.

1. GEICO

Best for: Deployment-friendly flexibility and strong discounts

Why it often works well for service members:

• Military discounts and options to adjust coverage when you deploy or your mileage drops.

• 24/7 support that works across time zones when you’re OCONUS or on irregular schedules.

• Easy app-based access for proof of insurance, claims or mid-duty changes.

2. State Farm

Best for: Families moving between bases and states

Why it often works well:

• Large nationwide agent network, helpful if you PCS and want continuity.

• Local agents near many bases and military communities.

• Straightforward bundling if you buy a home or condo near base and want coverage in one place.

3. Progressive

Best for: Digital-first households with frequent changes

Why it could be a good fit:

• Competitive pricing across many driver profiles, including frequent movers.

• Strong tools for updating address, mileage and garaging as life shifts.

• Useful add-ons like rental and roadside when you’re far from home support.

Jerry can’t claim to “rank” USAA or Navy Federal against these carriers, but we can show you in minutes how GEICO, State Farm, Progressive and other standard insurers price your situation in Tennessee.

Best car insurance for senior drivers in Tennessee

When you’re over 65, good insurance isn’t just about the premium. It’s about trust: clear coverage, consistent rates, and support that shows up when you need it. For Tennessee seniors, Jerry most often points to Progressive, GEICO and Trexis because they tend to deliver that mix well.

In the last 12 months, we’ve helped 637 Tennessee seniors find coverage that fits their driving habits today and respects their experience.

1. Progressive

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend Progressive:

  • Roadside assistance option for towing, lockouts, flat tires and fuel delivery.
  • Defensive driving course discount in states where it applies.
  • Large Accident Forgiveness after 5 years with an accident-free and violation-free period in most states.
  • Beyond price, Jerry customers most frequently praise Progressive for its robust app and variety of discounts.

2. GEICO

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend GEICO:

  • DriveEasy includes Accident Assist, connecting you to roadside or emergency support after a detected hard brake.
  • Strong mobile app for payments, digital ID cards, roadside help and claims tracking.
  • Optional roadside assistance helps manage towing and lockout costs.
  • Jerry customers most frequently praise GEICO for its helpful mobile app, but also enjoy this carrier’s pricing and customer service.

3. Trexis

Recent senior driver quotes

Based on Jerry customers 65+ with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.

Customer rating based on average rating by Jerry customers of age 65+ in the past 12 months.

• Why we recommend Trexis:

  • UM or UIM options support stronger protection than just the minimum.
  • Claims reporting available 24/7.
  • Roadside assistance and rental reimbursement options available.
  • Aside from competitive pricing, Jerry customers praise Trexis for available discounts and customer service satisfaction.

How Jerry picks the best insurers in Tennessee

Most sites just sort companies by price. Jerry does more. 

No one wants to overpay for insurance, but Jerry knows that other factors matter, too. We use our own proprietary Jerry Score to grade each insurance company. Built from real Tennessee driver data, this score evaluates insurers on:

The result? We show you a short list of options tailored to how you actually drive and what you actually own.