Best car insurance companies in Tennessee
Fact-checked with HomeInsurance.com
Article Highlights
For drivers looking for the best car insurance in Tennessee, we have provided an overview of the top providers by market share. Our report includes a look at what the average rates are for Tennessee and how these rates are affected by your driving record. You can also compare rates by provider and major cities in Tennessee.
The average Tennessee driver pays $1,295 per year for insurance, which breaks down to about $107 each month for 12 months of coverage. In comparison, the national average car insurance rate in the United States is $1,555 per year for a 12 month, full coverage policy. The average minimum coverage rate across the U.S. is $545 for a 12 month premium.
While these rates may be useful in your comparison-shopping, please keep in mind that the following rates represent averages for Tennessee and may not reflect your actual premium quote.
Tennessee quickfacts
- Cheapest carrier for full coverage in Tennessee is Grange: $920
- Cheapest carrier for minimum coverage in Tennessee is Grange: $184
- Carrier with highest customer satisfaction in Tennessee: USAA
- Number of uninsured drivers in Tennessee: 20.0%
- Tennessee is on the lower end for car insurance rates
Average cost of car insurance in Tennessee
| Clean record | 1 speeding ticket | 1 accident | |
|---|---|---|---|
| Full coverage | $1,281 | $1,490 | $1,808 |
| Minimum coverage | $358 | $416 | $515 |
Quadrant data services, 2020
Best car insurance companies in Tennessee
Average annual premiums by insurance carrier
| Company | Full coverage rate | Minimum coverage rate |
|---|---|---|
| Allstate | $1,494 | $488 |
| GEICO | $1,020 | $249 |
| Progressive | $1,268 | $424 |
| Travelers | $1,343 | $397 |
| State Farm | $1,214 | $346 |
| USAA | $1,232 | $395 |
| Erie | $1,217 | $346 |
| Tennessee Farmers Mutual | $2,521 | $312 |
| Grange | $920 | $184 |
Quadrant data services, 2020
Car insurance rates in Tennessee by city
| City | Full coverage annual rate | Minimum coverage annual rate |
|---|---|---|
| Nashville | $1,314 | $387 |
| Memphis | $1,592 | $468 |
| Knoxville | $1,255 | $365 |
| Chattanooga | $1,260 | $365 |
| Clarksville | $1,257 | $362 |
Quadrant data services, 2020
Methodology
Coverage Utilizes Quadrant Information Services to analyze quoted rates from thousands of zip codes across all 50 states, using the top 15 carriers by premiums written by state. Quoted rates are based around the profiles of a 30 year male and female with clean driving records, good credit and the following full coverage details:
- $100k bodily injury liability per person
- $300k bodily injury liability coverage per crash
- $100k property damage liability coverage per crash
- $500 collision coverage deductible
- $500 comprehensive coverage deductible
Minimum coverages were applied to match state requirements. Both drivers used a new, financed 2018 Toyota Camry, commuting 5 days a week and driving 12,000 miles per year.
