Best car insurance companies in Tennessee

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    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.

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