Tennessee · TN
Car Insurance in Tennessee
As of 2026, car insurance in Tennessee costs an estimated $64/month for state-minimum coverage and $142/month for full coverage — a modeled estimate, not based on quoted premiums (see our methodology). Tennessee requires at least 25/50/15 in liability coverage. Illustrative estimate — not a quote.
Find out what coverage Tennessee requires, what drivers here typically pay, and how to compare carriers to land your best rate — free and credit-safe.
Minimum coverage
$64/mo
State-minimum liability only
Cheapest tier
$85/mo
Budget-friendly comparison
Full coverage
$142/mo
Liability + collision + comp
Estimated rates for illustration only — not a quote.
What car insurance does Tennessee require?
Drivers in Tennessee must carry at least 25/50/15 in liability coverage before getting on the road. That means the state sets minimum limits for bodily injury and property damage you might cause to others. Meeting the minimum keeps you legal, but it’s worth remembering that a single serious accident can quickly exceed low limits — leaving you responsible for the rest.
How much does car insurance cost in Tennessee?
Costs in Tennessee reflect local factors like traffic density, repair costs, weather, and claims trends. Our illustrative estimates put full coverage around $142/month (about $1700 per year), with budget-minded options near $85/month and state-minimum coverage closer to $64/month. Your real number depends on your vehicle, driving history, and the carrier you choose.
Cheapest car insurance companies in Tennessee
These carriers generally write auto insurance in Tennessee. Illustrative full-coverage rates below are scaled to Tennessee’s cost level — see the full list on our Tennessee carrier comparison.
| Company | Illustrative / mo | Best for |
|---|---|---|
| USAA | $117 | Military members, veterans, and their families. |
| GEICO | $125 | Budget-focused drivers who prefer a digital, self-service experience. |
| Erie | $128 | Drivers in Erie’s regional footprint who value service. |
| Auto-Owners | $130 | Drivers who want a highly rated regional insurer via an agent. |
| Progressive | $131 | Drivers who want telematics savings or have a less-than-perfect record. |
Estimated rates for illustration only — not a quote.
How can I lower my car insurance in Tennessee?
- Compare several carriers at once — the biggest savings lever for Tennessee drivers.
- Raise your deductible and drop unnecessary coverage on older vehicles.
- Stack discounts: bundling, safe driving, low mileage, and paperless billing.
For more, see our guides to cheap car insurance and full coverage, or estimate your premium with the calculator. You can also compare carriers directly or browse rates by state. For city-level data, see our Nashville car insurance guide.
How to compare car insurance in Tennessee
- Enter your ZIP code — Start by entering your ZIP code so we can tailor quotes to your location.
- Answer a few quick questions — Tell us about your vehicle, driving history, and coverage needs.
- Compare quotes side by side — Review estimated rates and coverage options from multiple carriers in one place.
- Choose your policy and get covered — Select the option that fits your budget and finish with the carrier.
Car insurance by city in Tennessee
Costs can vary widely within Tennessee. Explore local guidance:
Tennessee insurance guides
Go deeper on the coverage that fits your situation.
Tennessee car insurance FAQs
What is the minimum car insurance required in Tennessee?
Tennessee requires drivers to carry at least 25/50/15 in liability coverage. These limits keep you legal but may not be enough to cover a serious accident.
How much does car insurance cost in Tennessee?
Estimated full coverage runs around $142 per month in Tennessee, while budget options start near $85. Your actual rate depends on your profile and the carrier you choose. These figures are illustrative only.
How can I find cheaper car insurance in Tennessee?
Compare multiple carriers, raise your deductible, bundle policies, and keep a clean record. Because each insurer prices Tennessee drivers differently, comparison is the most reliable way to save.
Is car insurance required in Tennessee?
Yes, car insurance is mandatory in Tennessee. The state requires all drivers to carry a minimum of 25/50/15 in liability coverage before operating a vehicle. Driving uninsured risks financial penalties, license suspension, and personal liability for damages you cause.
What is the cheapest way to get car insurance in Tennessee?
Comparing multiple carriers side by side is the most reliable lever for lowering your premium in Tennessee. Budget-tier shoppers often find illustrative estimates near $85/month. Maintaining a clean driving record, choosing a higher deductible, and stacking available discounts (bundling, low mileage, paperless billing) can reduce costs further. Figures are illustrative only.
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