Key Takeaways
- Assurance America, Progressive and Safeco offer cheap car insurance in Tennessee.
- Liability-only car insurance in Tennessee costs around $100 per month.
- Compare rates from multiple companies to get cheap car insurance quotes in Tennessee.
If you want cheap auto insurance in Tennessee, check out companies like Assurance America, Progressive and Safeco. These are among the most affordable in the state, according to real quotes for Jerry customers.
Whether you’re looking for cheap car insurance in Nashville or other Tennessee cities, Jerry has analyzed quotes for liability-only and full coverage, plus a variety of ages and driving histories.
Cheap liability car insurance in Tennessee
Liability-only car insurance is the cheapest policy you can get, but it pays only for others’ injuries or property damage if you cause a wreck, up to the state-required limits.
These are the ten cheapest car insurance companies in Tennessee for a liability-only policy, according to quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $52 | $629 |
| Assurance America | $64 | $765 |
| Mendota | $66 | $791 |
| Safeco | $66 | $792 |
| Aspire Advantage | $79 | $953 |
| Trexis | $87 | $1,047 |
| Gainsco | $89 | $1,065 |
| National General | $100 | $1,199 |
| Progressive | $102 | $1,229 |
| Electric | $110 | $1,326 |
Minimum liability car insurance requirements in Tennessee
Drivers in Tennessee are required to have a minimum amount of liability insurance to drive legally. These requirements are:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $25,000 in property damage liability per accident.
Cheap full coverage car insurance in Tennessee
Full coverage typically costs more than liability-only insurance. That’s because it includes Tenneessee’s minimum requirements, plus coverage that pays for damage to your own car.
These are the ten most affordable insurers for full coverage, according to quotes for Jerry customers in Tennessee.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $132 | $1,578 |
| Grange | $138 | $1,651 |
| Aspire Advantage | $163 | $1,954 |
| Progressive | $201 | $2,418 |
| Gainsco | $240 | $2,879 |
| Trexis | $244 | $2,930 |
| Assurance America | $249 | $2,986 |
| Safeco | $253 | $3,031 |
| National General | $257 | $3,084 |
| Embark General | $262 | $3,140 |
Minimum liability insurance vs. full coverage in Tennessee
Liability-only car insurance, or “minimum coverage,” pays only for injuries or property damage you cause in an accident, up Tennessee’s required limits. If you cause a major crash, this type of policy may not be enough to pay for all injury or property damage costs. That means you’d be left paying out of pocket for anything your insurance won’t cover.
Full coverage includes Tennessee’s minimum liability limits, plus collision and comprehensive coverage. Here’s what a full coverage policy includes, plus what it pays for:
- Liability insurance: Covers injuries or property damage you cause to someone else in an accident.
- Collision coverage: Pays for damage to your vehicle from an accident, regardless of who is responsible. This coverage typically has a deductible.
- Comprehensive coverage: Pays for damage to your car from a non-collision event like weather and theft. This coverage typically has a deductible.
If you have a loan or lease on your vehicle, the lender will require
You can also add uninsured motorist coverage to a full coverage policy, which pays for your own injuries or property damage if someone with low liability limits, or none at all, causes a crash. It’s wise to include this coverage if you can afford it. About one in five Tennessee drivers did not carry car insurance in 2022, according to a 2023 report from the Insurance Research Council.
Average car insurance costs for young drivers in Tennessee
Young drivers typically pay more for car insurance than older drivers. That’s because they have less experience on the road. Below are average car insurance costs for young drivers between the ages of 18 and 24.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 18-20 | $290 | $3,484 |
| 21-24 | $247 | $2,967 |
Cheap liability car insurance in Tennessee for a 20-year-old
A liability-only policy is the cheapest option for a young driver. Below are the five cheapest auto insurance companies in Tennessee for a 20-year-old driver with minimum liability coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Electric | $147 | $1,769 |
| Trexis | $151 | $1,812 |
| Gainsco | $152 | $1,824 |
| Progressive | $166 | $1,989 |
| National General | $175 | $2,105 |
Cheap full coverage in Tennessee for a 20-year-old
Here are the five cheapest car insurance companies in Tennessee for a 20-year-old with full coverage, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $333 | $3,999 |
| Progressive | $345 | $4,139 |
| Electric | $411 | $4,938 |
| Root | $420 | $5,034 |
| National General | $451 | $5,415 |
Average auto insurance costs for mature drivers in Tennessee (25-54)
Auto insurance costs get lower as drivers get more experience on the road. Here are average costs for Tennessee drivers between the ages of 25 and 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $199 | $2,386 |
| 35-44 | $171 | $2,056 |
| 45-54 | $156 | $1,869 |
Cheapest liability car insurance in Tennessee for a 35-year-old
These are the five cheapest auto insurers for 35-year-olds in Tennessee, according to Jerry’s data.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $74 | $887 |
| Bristol West | $91 | $1,092 |
| First Acceptance | $94 | $1,129 |
| The General | $96 | $1,148 |
| Progressive | $99 | $1,186 |
Cheapest full coverage in Tennessee for a 35-year-old
Below are the five cheapest car insurance companies in Tennessee for a 35-year-old with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $167 | $1,998 |
| Progressive | $188 | $2,255 |
| Bluefire | $190 | $2,279 |
| Root | $206 | $2,467 |
| Trexis | $226 | $2,706 |
Average car insurance costs for older drivers in Tennessee (55+)
The cost of car insurance typically reaches its most affordable for drivers around 55, but can start to rise again once someone reaches age 65. Here are average car insurance costs in Tennessee for drivers 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $141 | $1,698 |
| 65+ | $137 | $1,648 |
Cheapest liability car insurance in Tennessee for a 65-year-old
These are the five cheapest auto insurance companies in Tennessee for a 65-year-old with liability-only coverage, according to quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $88 | $1,059 |
| National General | $92 | $1,100 |
| Progressive | $95 | $1,139 |
| Trexis | $110 | $1,321 |
| The General | $126 | $1,517 |
Cheapest full coverage in Tennessee for a 65-year-old
Below are the five cheapest companies for a 65-year-old in Tennessee with full coverage.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $102 | $1,227 |
| Progressive | $151 | $1,806 |
| Electric | $172 | $2,063 |
| Dairyland | $174 | $2,082 |
| Trexis | $182 | $2,186 |
Cheapest car insurance in Tennessee by driving history
Your driving history has a major impact on how much you pay for coverage. Having a clean record means you’ll likely pay less than someone with a violation who’s gotten a speeding ticket or been in an accident.
Cheap car insurance for drivers with clean records in Tennessee
These are the five most affordable auto insurers for Tennessee drivers with a clean driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $61 | $732 |
| Mendota | $66 | $791 |
| Bluefire | $91 | $1,094 |
| Gainsco | $113 | $1,362 |
| Grange | $138 | $1,651 |
Cheapest car insurance with a speeding ticket in Tennessee
Below are the five cheapest car insurance companies for Tennessee drivers with a speeding ticket.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $152 | $1,819 |
| Progressive | $178 | $2,135 |
| Bluefire | $178 | $2,136 |
| National General | $205 | $2,464 |
| Trexis | $206 | $2,467 |
Cheapest car insurance after an at-fault accident with no injury in Tennessee
Here are the five cheapest auto insurers for Tennessee drivers with an at-fault accident with no injury on their record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Aspire Advantage | $77 | $930 |
| Anchor General | $163 | $1,951 |
| Gainsco | $168 | $2,017 |
| Aspen | $168 | $2,019 |
| Progressive | $187 | $2,243 |
Cheapest auto insurance after an at-fault accident with injury in Tennessee
Below are the five most affordable insurers in Tennessee for drivers with an at-fault accident with injury on their record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Root | $149 | $1,788 |
| Progressive | $229 | $2,745 |
| Trexis | $252 | $3,027 |
| National General | $304 | $3,649 |
| Electric | $307 | $3,679 |
Cheapest car insurance with a DUI in Tennessee
These are the five cheapest car insurance companies in Tennessee for drivers with a DUI, according to real quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $118 | $1,421 |
| National General | $157 | $1,881 |
| Aspire Advantage | $163 | $1,954 |
| Progressive | $169 | $2,028 |
| Trexis | $169 | $2,030 |
Average auto insurance costs for Tennessee drivers with other violations
Here are the average costs of car insurance for Tennessee drivers with other violations on their record.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $302 | $3,627 |
| Cell Phone | $231 | $2,768 |
| Defective Equipment | $76 | $916 |
| Driving on Sus. License | $178 | $2,132 |
| Eluding Police | $94 | $1,132 |
Cheapest auto insurance for low credit scores in Tennessee
Drivers with low credit scores usually pay more for coverage than those with higher scores. That’s because insurers in Tennessee use a person’s credit score to calculate car insurance costs. Drivers with low scores are considered more likely to file a claim, which increases their insurance costs.
Here are the five cheapest car insurance companies for drivers in Tennessee with a credit score below 550.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Safeco | $118 | $1,416 |
| Assurance America | $129 | $1,553 |
| Gainsco | $146 | $1,755 |
| Progressive | $171 | $2,054 |
| Trexis | $172 | $2,067 |
How to find cheap car insurance in Tennessee
The best way to get cheap car insurance in Tennessee is to shop around and compare quotes for multiple insurers. You can also try these tips to lower your premium:
- Ask your insurer about discounts you may qualify for.
- Take a defensive driving course.
- Install a telematic app on your phone if you’re comfortable having your driving behavior tracked.
- Maintain a clean driving record.
- Bundle your auto insurance with other policies, like home or renters insurance.
Jerry insight
You can save money by lowering your deductible or reducing your coverage amount, but in both cases, your out-of-pocket costs will be higher if you’re involved in an accident. Try to balance an affordable monthly bill with a deductible and coverage whose impact won’t be detrimental to your finances.
Factors that affect car insurance costs in Tennessee
Insurers in Tennessee use a variety of factors to calculate insurance costs, including your:
- ZIP code.
- Age and gender.
- Driving record.
- Claims history.
- Marital status.
- Vehicle type.
- Deductible amount.
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
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.
Annie is a writer and editor at Jerry and has more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet, where she covered loans. Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California, and Texas. She holds a bachelor’s degree in journalism from the University of Minnesota.
