Compare car insurance quotes in Tennessee
Jerry is a free app trusted by 19,860 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.
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 $937 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
One of the best ways to save on home insurance in Tennessee is by bundling your car and home insurance. On average, Jerry homeowners save up to 40% by combining coverages.
But here’s what makes Jerry different: You don’t have to use the same insurer for both.
Jerry’s mix-and-match approach lets you pair the best car insurance rate with the best home insurance rate, even from different companies. This way, you’re not stuck overpaying on one policy just to get a bundle discount on the other.
Jerry pulls up to 20 quotes from top rated carriers.
What Tennessee drivers are paying with Jerry
Checking rates with several insurers is the simplest way to land the right coverage, whether you want to tailor a policy from scratch, mirror what you have now or just lock in the cheapest car insurance in Tennessee that you can find.
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 required 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 (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 sudden downpours
Spring and summer can bring severe storms that damage vehicles through hail, falling limbs, and flooding. Comprehensive coverage is typically what applies to weather-related damage when your car isn’t in a collision.
Deer strikes on rural roads
Deer-vehicle crashes tend to peak in the fall and are more common on darker rural highways and near wooded areas. Animal impacts usually fall under comprehensive coverage, so it’s worth keeping if you do a lot of non-city driving.
Nashville and Memphis congestion
Heavier traffic means more braking, more merging, and more opportunities for fender benders and injury claims. In busy corridors, collision coverage is the main protection for repairing your own vehicle after an accident.
Uninsured drivers
Over 20% of Tennessee drivers are uninsured. UM/UIM coverage helps protect you in crashes where the other driver can’t pay, and aligning those limits with your liability limits is a strong baseline.
Mountain driving in East Tennessee
Steep grades, tighter curves, and quick weather changes in higher elevations can increase accident severity. Keeping collision coverage (and a deductible you can manage) helps make sure you’re covered when a mountain-road crash turns costly.
High-speed interstates and long-distance commuting
Tennessee’s major interstates move fast, and higher-speed crashes tend to be more expensive to resolve. Maintaining solid liability limits can cost more upfront, but it matters if a collision involves serious injuries or significant property damage.
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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|---|
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City
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Average monthly cost
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|---|---|
| $253 | |
| $220 | |
| $162 | |
| $176 | |
| $211 | |
| $185 | |
| $222 | |
| $153 |
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 personal injury protection (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.