Car insurance is a must-have for Tennessee drivers to fulfill the state’s Financial Responsibility Law. It also allows you to protect yourself from financial loss in the event of an accident, natural disaster, theft, or another unexpected event. Read on to review the best car insurance in Tennessee so you can choose the optimal policy for your situation.
Best Minimum-Coverage Car Insurance in Tennessee
The average annual rates in this article are from ValuePenguin’s assessment of data from Quadrant Information Services. This data is from insurer filings and based on a sample driver, so keep in mind that your own insurance quotes may be different. Here are the cheapest insurance rates for minimum coverage in the state of Tennessee:
- State Farm: $314 per year
- GEICO: $382 per year
- Farmers: $394 per year
- Erie: $503 per year
- Progressive: $579 per year
- Allstate: $724 per year
- Nationwide: $902 per year
- USAA: $312 per year
In Tennessee, drivers are required to have at least minimum liability-only car insurance coverage. This coverage provides funds if you damage another person’s vehicle or property or cause bodily injury. However, it doesn’t cover damages to your vehicle due to an accident, an act of vandalism, or a natural disaster. It also doesn’t reimburse you if your car gets stolen. If you have a new or otherwise valuable car, it’s a good idea to invest in full coverage insurance vs. liability insurance. This level of coverage can protect your finances and prevent you from having to pay hefty out-of-pocket costs for vehicle repairs or a replacement car.
Keep in mind that while USAA offers extremely competitive insurance rates, it’s only available for members of the military, veterans, and their families. If you meet these eligibility requirements, you may have access to the affordable quotes USAA offers. Browse the USAA website or speak with an insurance agent to find out if there are plans that work for you.
Best Full-Coverage Car Insurance in Tennessee
To many drivers, spending money on comprehensive insurance is worthwhile. Because you never know what might happen, being prepared can save you money in the long run. The cheapest full-coverage insurance in Tennessee, on average, is from State Farm. The average policy costs customers $911 per year. Here’s a list of the most affordable full coverage auto insurance options in Tennessee:
- State Farm: $911 per year
- GEICO: $1,330 per year
- Erie: $1,490 per year
- Farmers: $1,644 per year
- Progressive: $1,734 per year
- Allstate: $2,059 per year
- Nationwide: $2,235 per year
- USAA: $871 per year
Best Car Insurance in Tennessee by Category
Insurance providers evaluate multiple aspects of your identity to determine a feasible insurance quote for you. They may assess your age, credit history, driving history, and marital status, among other factors. Here’s a list of the best car insurance in Tennessee by category:
With a Speeding Ticket
After getting a speeding ticket, the following insurance quotes may resemble your own:
- State Farm: $993 per year
- GEICO: $1,330 per year
- Erie: $1,539 per year
- Farmers: $1,644 per year
- Progressive: $2,256 per year
- Allstate: $2,324 per year
- Nationwide: $2,763 per year
- USAA: $1,035 per year
After an Accident
If you’ve been involved in an accident, here are the insurance costs you can expect in this state:
- State Farm: $1,074 per year
- Farmers: $1,644 per year
- Erie: $1,890 per year
- GEICO: $2,326 per year
- Progressive: $2,678 per year
- Allstate: $3,014 per year
- Nationwide: $3,276 per year
- USAA: $1,251 per year
With Poor Credit
Your credit history is a factor that affects your insurance policy. These are the average rates for drivers with poor credit in Tennessee:
- GEICO: $1,631 per year
- Farmers: $1,901 per year
- Progressive: $2,726 per year
- Nationwide: $2,808 per year
- Allstate: $3,139 per year
- Erie: $3,525 per year
- State Farm: $4,329 per year
- USAA: $1,476 per year
With a DUI
Driving under the influence causes serious penalties, including the need to purchase more expensive SR-22 insurance in Tennessee. Here are the cheapest insurance rates for drivers with a DUI in Tennessee:
- Progressive: $1,926 per year
- State Farm: $1,989 per year
- Erie: $2,240 per year
- Farmers: $2,620 per year
- Allstate: $2,871 per year
- Nationwide: $4,158 per year
- GEICO: $4,174 per year
- USAA: $1,652 per year
Married Drivers
Your marital status can impact your insurance costs. Insurance providers may view married couples as more financially stable than single customers. In addition, married couples may have access to special discounts or bundles. If you’re married, check with an insurance agent to see if there are any perks for you. Check out the following annual car insurance averages for married couples in the state:
- State Farm: $911 per year
- GEICO: $1,261 per year
- Progressive: $1,301 per year
- Erie: $1,411 per year
- Farmers: $1,466 per year
- Allstate: $2,041 per year
- Nationwide: $2,154 per year
- USAA: $760 per year
Young Drivers
Teen drivers are just starting out on the road and have less experience than older drivers. For this reason, it’s widely accepted that younger drivers are more at risk for accidents. This means that younger drivers are more likely to have higher insurance premiums. Check out the average annual rates for teenage drivers in Tennessee:
- Erie: $1,078 per year
- State Farm: $1,082 per year
- Farmers: $1,313 per year
- GEICO: $1,681 per year
- Allstate: $2,439 per year
- Progressive: $3,112 per year
- Nationwide: $3,803 per year
- USAA: $956 per year
Young Drivers With a Speeding Ticket
Young drivers with a speeding ticket, traffic ticket, or similar infraction can have higher insurance quotes. Here are the average annual rates for teen drivers with a speeding ticket in Tennessee:
- State Farm: $1,202 per year
- Farmers: $1,313 per year
- Erie: $1,403 per year
- GEICO: $1,681 per year
- Allstate: $2,816 per year
- Progressive: $3,296 per year
- Nationwide: $3,688 per year
- USAA: $1,059 per year
Young Drivers After an Accident
Young drivers who’ve been involved in an accident may have more expensive insurance policies. Here are the average rates for those in this situation in the state of Tennessee:
- State Farm: $1,322 per year
- Farmers: $1,457 per year
- Erie: $1,542 per year
- GEICO: $1,768 per year
- Allstate: $2,997 per year
- Progressive: $3,467 per year
- Nationwide: $3,786 per year
- USAA: $1,164 per year
As you can see, drivers in Tennessee have a wide array of insurance options. Having a clean driving record can give you access to the cheapest insurance rates. While having infractions like tickets can raise your insurance rates, there are still affordable options for you.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.
