Geico offers the best car insurance in Tennessee according to Jerry’s editorial analysis. Here’s a breakdown of why it’s the best, plus other top insurers in the state.
If you need cheap car insurance in Tennessee, be sure to compare quotes from multiple insurers to get the best rate.
Best car insurance in Tennessee overall: Geico
5.0Jerry’s ScoreOur TakeGeico car insurance includes many policy discounts and is available in all 50 states. This is a solid option for good drivers seeking a stable insurer.
Why it’s the best: Geico receives 5 stars from Jerry due to its superior financial strength rating and few customer complaints.
Tennessee drivers can get a discount for paying your premium in full, being in the military, bundling policies and going accident-free for at least three years. You may also get a discount if you opt into Geico’s telematics program, DriveEasy, and practice safe driving behavior. Qualifying drivers who are 50 and older that voluntarily complete a qualifying defensive driving course may also get a discount.
Geico’s mobile app lets drivers access ID cards, manage their policy, request roadside assistance, get a quote and estimate vehicle repairs costs.
More of the best Tennessee insurers
Here are more top-rated insurers in Tennessee.
Honorable mention: Farm Bureau Insurance of Tennessee
While not yet rated by Jerry, Farm Bureau Insurance of Tennessee was ranked No. 2 out of 17 insurers for overall customer satisfaction in the Southeast region, according to J.D. Power’s 2024 Auto Insurance Study. This study ranks insurance companies based on factors like cost and consumer trust.
Farm Bureau Insurance of Tennessee offers discounts for bundling policies and having no accidents within the last three years. Parents with a 16 or 17-year-old driver on their policy can save up to 10% if their teen completes Farm Bureau’s First Mile program.
You can customize a policy with roadside assistance, which covers towing, on-the-spot repairs and locksmith services. You can also add rental car reimbursement, which pays a certain amount per day for a rental car if your vehicle is getting repaired or replaced because of a covered claim.
To get insurance, you’ll need to buy a $30 Farm Bureau membership, which gets you discounts to hotels, theme parks and other attractions.
Best full coverage car insurance in Tennessee
Here are the best full coverage car insurance companies in Tennessee.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Bluefire | $132 |
| Grange | $138 |
| Aspire Advantage | $163 |
| Progressive | $203 |
| Safeco | $246 |
Best car insurance for teen drivers in Tennessee
Below are the best options for teen drivers in Tennessee, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Electric | $241 |
| Trexis | $245 |
| Bristol West | $287 |
| Gainsco | $294 |
| National General | $302 |
Learn more: How much is car insurance for a 16-year-old?
Best car insurance for young drivers under 25 in Tennessee
Below are the best options for drivers under 25 in Tennessee, according to quotes for real Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Trexis | $227 |
| Progressive | $228 |
| Gainsco | $248 |
| Electric | $266 |
| National General | $275 |
Learn more: Car insurance for college students
Best car insurance for seniors in Tennessee
These are the best car insurance rates in Tennessee for drivers aged 65 and older.
|
Insurance Company
|
Avg Monthly Quote
|
|---|---|
| Gainsco | $102 |
| Progressive | $110 |
| Dairyland | $123 |
| The General | $126 |
| Safeco | $127 |
Learn more: Car insurance for seniors
How to get the best car insurance in Tennessee
Follow these tips to find the best car insurance in Tennessee:
- Determine your coverage needs. Each person has a unique financial situation, so determine how much car insurance you need to protect your wallet. For example, full coverage pays for damage to your own car, up to its market value. If you drive a new vehicle, you probably need full coverage. If you lease or finance your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.
- Research insurance companies. Sites like Jerry collect customer reviews and formally review insurers so that you can check their reputations and know what to expect before buying a policy.
- Compare quotes. Once you’ve narrowed your search to a few companies, get quotes from all of them, and be sure you use the same coverage limits when shopping. This will show you which insurer offers the cheapest car insurance for the coverage you need.
Methodology
Jerry’s team of car insurance experts has assessed more than 50 car insurers and rated dozens of them using information like their financial strength, consumer complaints, pricing and online reputation. We chose the best insurers by reviewing their star ratings, state availability, coverage customizations and discount offerings.
We regularly fact-check and update insurer reviews and ratings, and reassess our star ratings annually. This list is subject to change as insurers’ offerings and our methodology for assessing them evolve.
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.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. 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.
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.
