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.
To find the best car insurance in Tennessee, compare car insurance quotes from multiple insurers.
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. Tennessee drivers seeking a low-cost way to stay on the road legally often choose minimum liability insurance. It works well for those with older vehicles or limited driving needs.
These are the ten cheapest car insurance companies in Tennessee for a liability-only policy, according to quotes for Jerry customers. Tennessee residents should compare rates from different companies to get compliant coverage without breaking the bank.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Bluefire | $52 | $629 |
| Safeco | $65 | $784 |
| Mendota | $66 | $791 |
| Aspire Advantage | $79 | $953 |
| Trexis | $89 | $1,064 |
| Gainsco | $89 | $1,065 |
| National General | $100 | $1,195 |
| Progressive | $102 | $1,226 |
| Electric | $110 | $1,326 |
| First Acceptance | $117 | $1,399 |
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
Shopping for low-cost full coverage car insurance in Tennessee requires finding the right mix of affordability and complete protection. Full coverage typically includes liability, collision and comprehensive coverage ensuring financial protection for both your vehicle and others. It’s the smart choice for those with cars they can’t afford to replace.
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 | $205 | $2,457 |
| Anchor General | $212 | $2,543 |
| Safeco | $243 | $2,912 |
| Gainsco | $247 | $2,959 |
| Trexis | $248 | $2,977 |
| Assurance America | $253 | $3,041 |
| National General | $257 | $3,089 |
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 according to the most recent report from the Insurance Research Council.
Average car insurance costs for young drivers in Tennessee
Young drivers often pay higher insurance rates due to their inexperience and statistically higher accident rates. Even without infractions, age alone prompts insurers to charge more. Tennessee teens can benefit from student discounts and monitored driving programs to cut costs.
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 | $286 | $3,427 |
| 21-24 | $254 | $3,051 |
Cheap liability car insurance in Tennessee for a 20-year-old
A 20-year-old in Tennessee may go with liability-only insurance to stay legally insured without committing to high monthly payments. It’s a sensible option for those with cars that wouldn’t benefit much from extra coverage. This plan balances cost and compliance for young drivers just starting out.
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
|
|---|---|---|
| Trexis | $137 | $1,650 |
| Electric | $147 | $1,769 |
| Progressive | $157 | $1,887 |
| Gainsco | $161 | $1,932 |
| National General | $170 | $2,043 |
Cheap full coverage in Tennessee for a 20-year-old
A 20-year-old in Tennessee might opt for full coverage to protect their vehicle from a variety of issues like weather, accidents or theft. This policy type ensures they’re not financially derailed by sudden repairs and it’s a reliable choice for young drivers establishing independence.
Here are the five cheapest car insurance companies in Tennessee for a 20-year-old with full coverage, according to real car insurance quotes for Jerry customers.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Trexis | $335 | $4,016 |
| Progressive | $341 | $4,094 |
| Electric | $420 | $5,036 |
| National General | $444 | $5,330 |
| Root | $459 | $5,505 |
Average auto insurance costs for mature drivers in Tennessee (25-54)
Tennessee drivers with a long-standing record of responsible behavior often benefit from reduced auto insurance rates. Time and consistency on the road build trust with insurers and these drivers are seen as a lower financial risk. The result is often a noticeable drop in premium costs.
Here are average costs for Tennessee drivers between the ages of 25 and 54.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 25-34 | $204 | $2,445 |
| 35-44 | $174 | $2,083 |
| 45-54 | $160 | $1,917 |
Cheapest liability car insurance in Tennessee for a 35-year-old
In Tennessee, a 35-year-old might opt for liability-only insurance if they own a dependable older vehicle. Their long driving history may make them comfortable with basic protection and this choice supports affordable coverage without cutting corners.
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 | $72 | $869 |
| Bristol West | $87 | $1,043 |
| Progressive | $89 | $1,063 |
| First Acceptance | $94 | $1,129 |
| National General | $98 | $1,170 |
Cheapest full coverage in Tennessee for a 35-year-old
A 35-year-old might pick full coverage to protect against things like severe weather, car theft and unexpected collisions. Drivers with long commutes or new vehicles value that extra assurance and full protection can ease financial pressure after an accident. It’s a smart fit for people who prioritize robust coverage.
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 | $2,250 |
| Bluefire | $190 | $2,279 |
| Root | $217 | $2,604 |
| Trexis | $223 | $2,679 |
Average car insurance costs for older drivers in Tennessee (55+)
Tennessee drivers aged 55 and up may experience higher insurance rates tied to the realities of age-related decline. Navigating roads and unpredictable traffic requires fast, accurate responses and insurers often raise premiums based on projected shifts in ability.
Here are average car insurance costs in Tennessee for senior drivers 55 and older.
|
Age Group
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| 55-64 | $143 | $1,716 |
| 65+ | $136 | $1,632 |
Cheapest liability car insurance in Tennessee for a 65-year-old
Tennessee retirees often turn to liability-only coverage as a way to reduce costs while keeping essential protection. With fewer miles traveled and a decline in car value, full policies may no longer be practical. This leaner coverage meets state requirements, trims financial burden and can be well-suited for those simplifying their lifestyle.
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 | $74 | $882 |
| Progressive | $91 | $1,092 |
| National General | $92 | $1,100 |
| Trexis | $100 | $1,205 |
| The General | $126 | $1,517 |
Cheapest full coverage in Tennessee for a 65-year-old
A 65-year-old in Tennessee might choose full coverage insurance to protect their vehicle from accidents, theft, and natural hazards. Many seniors rely on their cars for errands and family visits, and they value the security comprehensive coverage provides.
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 | $114 | $1,364 |
| Progressive | $153 | $1,841 |
| Electric | $172 | $2,063 |
| Dairyland | $174 | $2,082 |
| National General | $192 | $2,305 |
Cheapest car insurance in Tennessee by driving history
In Tennessee, insurers examine your driving history to evaluate how safely you operate your vehicle. A pattern of violations or accidents can result in increased scrutiny and your history helps determine your premium rates and policy eligibility.
Cheap car insurance for drivers with clean records in Tennessee
Tennessee drivers with clean records often qualify for better rates and policy options. It shows insurers that you consistently make safe and legal decisions on the road and this trust can translate to more favorable terms. A strong driving record supports lower prices on your car insurance.
These are the five most affordable auto insurers for Tennessee drivers with a clean driving record.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Mendota | $66 | $791 |
| Bluefire | $91 | $1,094 |
| Gainsco | $116 | $1,397 |
| Grange | $138 | $1,651 |
| Progressive | $141 | $1,690 |
Cheapest car insurance with a speeding ticket in Tennessee
A speeding ticket in Tennessee might influence how insurers assess your risk. Even a single instance of speeding is viewed as a safety concern and it could lead to slight adjustments in premiums or coverage. Insurers consider all infractions when reviewing policies and quotes.
Below are the five cheapest car insurance companies for Tennessee drivers with a speeding ticket.
|
Insurance Company
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Gainsco | $154 | $1,847 |
| Bluefire | $178 | $2,136 |
| Progressive | $186 | $2,230 |
| Trexis | $205 | $2,456 |
| National General | $212 | $2,549 |
Cheapest car insurance after an at-fault accident with no injury in Tennessee
Being at fault in a no-injury accident in Tennessee still affects how insurers view your record. These events involve costs and indicate potential liability and as a result, insurers may update your policy terms. The event becomes part of your risk profile for future policy quotes.
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 | $184 | $2,211 |
| Progressive | $191 | $2,288 |
| Trexis | $211 | $2,537 |
Cheapest auto insurance after an at-fault accident with injury in Tennessee
If you cause injuries in a Tennessee accident, insurers will likely reassess your policy. These incidents involve more serious liability and long-term concerns. This often results in higher premiums or policy limitations and the impact can be long-lasting.
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
|
|---|---|---|
| National General | $182 | $2,182 |
| Electric | $187 | $2,239 |
| Root | $195 | $2,339 |
| Progressive | $230 | $2,756 |
| Trexis | $239 | $2,864 |
Cheapest car insurance with a DUI in Tennessee
A DUI conviction in Tennessee is a serious violation that can drastically affect your insurance. It reflects poor decision-making and increases risk significantly. Insurers usually respond with increased rates and stricter coverage and the effects may persist for years on your insurance pricing.
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 | $99 | $1,193 |
| Trexis | $140 | $1,685 |
| The General | $148 | $1,774 |
| National General | $153 | $1,839 |
| Aspire Advantage | $163 | $1,954 |
Average auto insurance costs for Tennessee drivers with other violations
Other violations in Tennessee, like illegal turns or failure to yield, also play a role in your insurance evaluation. These infractions suggest careless or inconsistent driving and repeated violations can lead to higher premiums. Maintaining good habits helps preserve your policy pricing.
Here are the average costs of car insurance for Tennessee drivers with other violations or citations on their record.
|
Violation Summary
|
Avg Monthly Quote
|
Avg Annual Quote
|
|---|---|---|
| Careless Driving | $283 | $3,394 |
| Cell Phone | $235 | $2,824 |
| Defective Equipment | $76 | $916 |
| Driving on Sus. License | $246 | $2,955 |
| Eluding Police | $222 | $2,669 |
Cheapest auto insurance for low credit scores in Tennessee
In Tennessee, a low credit score can result in more expensive car insurance policies as it’s viewed as a possible sign of risk or inconsistency. Insurers often adjust terms accordingly as your current credit score (and credit history) plays a meaningful role in how you’re evaluated.
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
|
|---|---|---|
| Assurance America | $129 | $1,553 |
| Gainsco | $151 | $1,807 |
| Progressive | $172 | $2,070 |
| Trexis | $176 | $2,114 |
| National General | $223 | $2,670 |
Learn more: How a credit-based insurance score works
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 on the best auto insurance:
- 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 home and auto insurance with other policies, like 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 with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by NorthWestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
