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The cheapest Tennessee car insurance rates are $22/mo ($264/yr) for liability insurance from USAA and $66/mo ($797/yr) for comprehensive coverage from USAA
Cheapest Full Coverage Insurance In Tn
Our team has taken an in-depth look at the best auto insurance companies in the country and what they have to offer Tennessee drivers in terms of rates, coverage, reputation and customer service. You’ll find salary estimates for drivers in Tennessee cities, different ages, and different driving histories.
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The Leadership Team is committed to providing reliable information to help you make the best decision about insuring your vehicle. Because customers trust us to provide reliable and accurate information, we’ve created a comprehensive rating system to compile our list of the best auto insurance companies. We’ve collected data on dozens of auto insurance providers to rate companies on a wide range of factors. After 800 hours of research, the result is an overall score for each provider, with the providers with the most points at the top of the list.
Since insurance rates in Tennessee are lower than the national average, you have a better chance of getting great auto insurance in Tennessee at the best prices.
Here, we’ll take a look at the cheapest car insurance companies and coverage options in the state, starting with the best providers and coverage options.
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In addition to finding providers that offer cheap auto insurance in Tennessee, it’s important to consider each company’s coverage offers, customer service ratings and more. to decide. Based on our research, we name USAA, State Farm, Geico and Tennessee Farmers as the cheapest options for Tennessee drivers.
*Our research team takes all factors into consideration when rating suppliers. The ranking of providers in this table is specific to auto insurance in Tennessee.
The level of coverage will affect how much you pay for car insurance. There are many tips from insurers about estimates for minimum and comprehensive car insurance. Although minimum coverage is required, it is a good idea for drivers to consider comprehensive car insurance.
When it comes to cheap car insurance, the average rate for Tennessee drivers is about $415 per year, or $35 per month. That’s more than 35% less than the national average for a low-coverage policy.
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Auto insurance rates in the Volunteer State are 26% lower than the national average. This means that the best auto insurance in Tennessee is one of the most affordable in the country. We at the travel guide group found comprehensive coverage for as little as $797 per year, or $66 per month from USAA. The table below shows the providers with the lowest rates in Tennessee for comprehensive coverage.
A person’s age, driving history and credit scores can have a big impact on the cost of car insurance in Tennessee. Below we compare the cheapest auto insurance quotes for Tennessee drivers in these categories.
Age plays a big role in how much you pay for car insurance. Below are tables on how much a young driver will pay for car insurance in Tennessee.
Erie Insurance offers the cheapest auto insurance for 16-year-old drivers in Tennessee, with an estimated premium of $2,988 per year, or $249 per month. The estimated average for 16-year-old Tennessee drivers is $7,703 per year, or $642 per month. That’s 316% more than the state average for 35-year-old drivers.
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In Tennessee, Erie Insurance often offers the lowest rates for 17-year-old drivers, with an average premium of $2,706 per year, or $226 per month. The average cost of car insurance in Tennessee for a 17-year-old driver is $6,051 per year, or $504 per month. This is 227% more than the average estimate for a 35-year-old driver in the state.
For those who qualify, USAA offers minimum coverage for 18-year-old drivers in Tennessee at an average cost of $2,488 per year, or $207 per month. The average estimate for 18-year-old Tennessee drivers is $5,414 per year, or $451 per month. This is 193% higher than the average rate for a 35-year-old driver in Tennessee.
USAA offers the cheapest auto insurance for Tennessee drivers 21 years old, with an average premium of $1,279 per year, or $107 per month. For these drivers, the average premium is $2,965 per year, or $247 per month. This is about 55% higher than the average estimate for 35-year-old drivers in Tennessee.
In Tennessee, 25-year-old drivers can get the cheapest insurance with USAA, which offers an estimated $1,008 per year, or $84 per month. The average estimate for 25-year-old drivers in Tennessee is $2,132 per year, or $178 per month. It’s 15% more expensive than the average estimate for 35-year-old drivers in the state.
Tennessee Car Insurance Laws
People who have had a DUI, speeding ticket or other accident can expect to pay more for car insurance than other drivers. Below are some recommended car insurance rates for people who fall under those categories.
Safe driving goes a long way when you are trying to save on the cost of car insurance. Drivers with a speeding ticket on their record pay an average of $1,468 per year for auto insurance in Tennessee.
You can expect car insurance rates to go up if you are in an accident. On average, Tennessee drivers with an accident on their record pay $1,783 per year for coverage.
Having a DUI conviction on your driver’s license can increase your car insurance premiums. Tennessee drivers with a DUI pay about $1,894 per year for coverage on average.
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Drivers with bad credit scores pay some of the highest fines in the state of Tennessee. On average, people with bad credit pay about $2,496 per year.
For those who want to know about the cheapest car insurance in the Volunteer State, the sections below have more detailed information.
With some of the lowest fares for many types of Tennessee drivers, USAA is our statewide carrier. The company also received the highest customer satisfaction rating in the JD Power 2021 US Auto Insurance Study℠. While coverage is available for military members, veterans and their families, it can be a great option for those who qualify.
State Farm has been offering quality insurance products since 1922. It is the largest auto insurance company in the US, and can be a powerful insurance option for Tennessee drivers. State Farm offers the lowest insurance rates across the board, especially for young drivers and senior drivers in Tennessee.
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Geico is our top rated car insurance company nationwide, and can be a smart choice for many Tennessee drivers. The provider has strong business reviews from AM Best and the BBB, which means you can trust them to pay claims and resolve issues. Geico is known for its reasonable average prices, wide coverage options and many discount opportunities.
As the largest state agricultural association in the country, Tennessee Farmers provides coverage for one in four people in the state. The local provider has been providing insurance products since 1948 and has an excellent reputation, with an A+ rating from the BBB and AM Best.
You must be a member of the Tennessee Farm Bureau to qualify for coverage, but the process is easy and only requires a $30 membership fee.
According to our data, Tennessee drivers pay an average of $1,281 per year, or $107 per month for full coverage insurance. This is nearly 26% lower than the national average of $1,730 per year, making Tennessee one of the cheapest states for car insurance.
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Car insurance rates vary between states, but within Tennessee you’ll find rates vary between different cities and ZIP codes. This table shows the average tax rate calculation for the largest cities and towns in Tennessee.
The age of the car is probably the biggest factor in car insurance. Younger and younger drivers are paid more than drivers of other ages. The table below shows the average full charge rates for Tennessee drivers of various ages.
Your payment will vary from the estimates you see in this article. That’s because auto insurance companies in Tennessee and elsewhere base their premiums on different factors based on you and your car.
Although liability insurance is mandated by the state for minimum claims, it’s a good idea to get a comprehensive coverage policy that includes liability coverage, comprehensive coverage and underinsured/uninsured motorist coverage to ensure that you are protected.
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Tennessee is a criminal state. This means that a driver found at fault for an accident is legally and financially responsible for the damages caused by the accident. Most states around the country follow at-fault insurance laws, making Tennessee car insurance comparable.
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