Compare car insurance quotes in Tennessee
Jerry uses real data from 15,448 Tennessee drivers to help you:
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Compare insurance options in minutes.
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Bundle, buy, and switch in the app or by phone.
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Avoid long forms and phone calls.
Average Tennessee car insurance prices
The average cost of car insurance for Jerry drivers in the U.S. is currently $154 a month for state minimum and $383 a month for full coverage. But in Tennessee, Jerry drivers pay less:
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$55 to $104 per month for state-mandated minimum coverage, and
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$151 to $299 per month for full coverage.
Even a quick rate check can move the needle. In the past year, Jerry has helped Tennesseeans save an average of $918 on coverage simply by weighing their options side by side.
With Jerry, you can compare offers and fine-tune your policy for Tennessee car insurance in under 10 minutes. It’s free and fully online, and we don’t sell your info or hound you with calls.
Prices still vary based on your specific situation, including your record behind the wheel, your car and your location. 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 between 15% and 25% 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:
- $25,000 in bodily injury liability per person.
- $50,000 in bodily injury liability per accident.
- $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.
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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|---|---|
| $254 | |
| $220 | |
| $164 | |
| $176 | |
| $212 | |
| $190 | |
| $222 | |
| $159 |
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.
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Learn about uninsured motorist coverage and why it matters.
FAQs
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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)?
