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Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information. Updated Nov 03, 2022 Pay less for auto insurance A better rate is around the corner. See how much you could save in 3 minutes or less. Your information is secure Next Compare quotes from reliable carriers + MORE how it works Caret Down Provide some info to get offers We only ask for info that can impact your rate so we can share accurate and personalized offers. Select your policy Compare and move forward with as many offers as you want from a list of trusted carriers. Settle your rate and policy details Once you've decided on a carrier, wrap up the process online or on the phone with a trusted agent. On This Page
Tennessee drivers are required to carry a minimum amount of car insurance in order to legally get behind the wheel. The average cost of is $1,338 for a full coverage policy and $371 for a minimum coverage policy. However, you might pay more or less than the statewide average rate based on a number of individualized factors. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers Save on auto insurance with quotes from trusted providers like Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Compare rates and save on auto insurance today! Get quotes Close X How much does car insurance cost in Tennessee
Every driver pays a slightly different rate for car insurance. Tennessee car insurance rates are based on a number of factors, including the insurance company you choose, the city you live in, your age and your driving record. Fortunately, car insurance rates in Tennessee are cheaper than the national average premium. For comparison, the in the United States is $1,674 per year for a full coverage policy and $565 per year for a minimum coverage policy. Compared to the national average rate, the average Tennessee driver pays $336 less for full coverage insurance and $194 less for minimum coverage insurance. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto with quotes from trusted providers like: Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. Tennessee car insurance rates by company
There are dozens of , and every provider charges a different rate. If you are looking for the , compare quotes for the type and amount of coverage you need before you choose a provider. The table below includes some of the biggest and most popular car insurance companies in Tennessee, and their average annual minimum and full coverage premiums. Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage $220 $992 Grange $227 $966 Tennessee Farmers Mutual $299 $1,222 USAA $310 $1,116 State Farm $328 $1,154 Safe Auto $341 $1,672 $343 $1,629 $365 $1,052 Celina $369 $1,422 Nationwide $392 $1,219 Progressive $400 $1,287 Chubb $420 $1,808 Allstate $505 $1,777 $582 $1,521 Tennessee car insurance rates by city
Not only do car insurance rates vary by , but the city you live in will also affect your rate. Car insurance is more expensive in certain cities based on the number of uninsured drivers, crime rates, weather risks and more. The table below highlights the average car insurance rates in Tennessee in the top 20 most populated cities. City Average annual premium for full coverage Average annual premium for full coverage Memphis $1,689 26% Nashville $1,345 1% Knoxville $1,304 -3% Chattanooga $1,300 -3% Murfreesboro $1,257 -6% Clarksville $1,288 -4% Franklin $1,256 -6% Jackson $1,364 2% Antioch $1,374 3% Cleveland $1,269 -5% Maryville $1,258 -6% Johnson City $1,137 -15% Kingsport $1,142 -15% Cookeville $1,249 -7% Hendersonville $1,271 -5% Bartlett $1,552 16% Lebanon $1,256 -6% Columbia $1,313 -2% Morristown $1,266 -5% Sevierville $1,320 -1% Tennessee car insurance rates by age
companies will carefully consider your age and driving experience when you apply for a policy. Typically, the youngest drivers pay the highest rates for car insurance, and prices start to drop around age 25. See below for the average Tennessee auto insurance rates by age. Age Average annual premium in Tennessee $2,116 $4,515 $3,244 $1,866 $1,498 $1,406 $1,288 $1,223 Age 70 $1,397 *16 year old calculated on parent's policy disclosure Tennessee car insurance rates by driving record
One of the biggest factors that will impact your car insurance premium is your driving record. Even a single speeding ticket or a minor accident can have a major impact on your car insurance premium. See how certain traffic violations will impact your car insurance rate in Tennessee in the table below. Driving incident Average annual full coverage premium in Tennessee % increase of average annual premium Speeding ticket $1,598 19% Accident $1,919 43% DUI $2,805 110% How to save on car insurance in Tennessee
There are a number of ways to on car insurance in Tennessee. Here are some of the most effective ways to get a cheaper rate: Get multiple quotes: Before you settle on an insurance company, get a few quotes from different providers and compare them to see which carrier can offer the lowest rate for the type and amount of coverage you need. Look for discounts: When you are comparing insurance companies, look for providers that offer multiple discounts you can take advantage of. The more discounts you qualify for, the more money you can save. Pay in full: Most insurance companies will automatically lower your car insurance rate if you pay the annual premium upfront and in full, rather than in 12 monthly installments. Switch carriers: If you find another insurance company that offers a lower rate, you can . Some insurance companies will even give you a discount just for switching from another provider. Frequently asked questions
In Tennessee, the average cost of car insurance is $1,338 for a full coverage policy and $371 for a minimum coverage policy. That means on average, you would pay about $111 per month for full coverage and around $40 per month for minimum coverage.
The is different for everyone. There are hundreds of car insurance carriers on the market, and each one charges a different rate for coverage. Shop around and get a few quotes before choosing a carrier to make sure you are getting the best rate. Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually. These are sample rates and should only be used for comparative purposes. Age: Rates were calculated by evaluating our base profile with the ages 18-60 (base: 40 years) applied. Incident: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage. Written by Elizabeth Rivelli Insurance Contributor Elizabeth Rivelli is a contributing insurance writer for Bankrate and has years of experience writing for insurance domains such as The Simple Dollar, Coverage.com and NextAdvisor, among others Aylea Wilkins is an editor specializing in personal and home equity loans. She has previously worked for Bankrate editing content about auto, home and life insurance. She has been editing professionally for nearly a decade in a variety of fields with a primary focus on helping people make financial and purchasing decisions with confidence by providing clear and unbiased information.