The Cheapest Car Insurance in Tennessee for November 2024

Auto insurance is an important purchase, but finding cheap car insurance isn’t always easy. NerdWallet found some of the cheapest car insurance companies in Tennessee to help you compare rates and get a better deal for your coverage.

Keep reading to find the cheapest car insurance in Tennessee for different driver profiles and coverage types among:

• 20-year-olds

• 30-year-olds

• 40-year-olds

• 50-year-olds

• 60-year-olds

• 70-year-olds

• Military families

Cheap car insurance in Tennessee

Here's the cheapest full coverage car insurance in Tennessee for 35-year-old drivers with different driving records.

The cheapest car insurance company in Tennessee is Travelers at $1,390 per year on average, or $116 per month, according to the most recent NerdWallet analysis of full coverage car insurance rates in Tennessee. Meanwhile, the average cost of full coverage car insurance in Tennessee is $2,299 per year, or about $192 per month.

Minimum coverage in Tennessee is $488 per year on average, but we found you can likely get a cheaper policy. For example, Westfield offers the cheapest rates in Tennessee at $348 per year, on average, for minimum coverage car insurance for a 35-year-old driver with a clean driving record.

If you’re looking for the cheapest car insurance in your city, NerdWallet also analyzed rates for some of the largest Tennessee cities, including:

• Knoxville

  Below are the cheapest insurers in Knoxville for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Knoxville.

  Category	Cheapest Company	Median annual rate
  Clean driving history	Travelers	$1,237
  After a DUI	Travelers	$2,127
  After an accident	Travelers	$1,628
  After a speeding ticket	Erie	$1,596
  Having poor credit	Tennessee Farm Bureau	$1,993

• Memphis

  Below are the cheapest insurers in Memphis for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Memphis.

  Category	Cheapest Company	Median annual rate
  Clean driving history	Travelers	$1,768
  After a DUI	Travelers	$2,702
  After an accident	Travelers	$2,247
  After a speeding ticket	Westfield	$1,923
  Having poor credit	Tennessee Farm Bureau	$2,598

• Nashville

  Below are the cheapest insurers in Nashville for a 35-year-old good driver with good credit. To see the full list, read NerdWallet's analysis of car insurance in Nashville.

  Category	Cheapest Company	Median annual rate
  Clean driving history	Travelers	$1,266
  After a DUI	Travelers	$2,166
  After an accident	Travelers	$1,662
  After a speeding ticket	Travelers	$1,638
  Having poor credit	Tennessee Farm Bureau	$2,279

How we chose the cheapest companies in Tennessee

NerdWallet’s editorial team analyzed car insurance rates from 20 auto insurers in Tennessee and listed the five cheapest options for drivers in several age brackets and with different histories, all driving a 2021 Toyota Camry LE. For minimum coverage, we looked at rates that reflect the minimum requirements in Tennessee. For full coverage, we used the below 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 coverage per person.

• $300,000 uninsured motorist coverage per accident.

• Collision coverage with a $1,000 deductible.

• Comprehensive coverage with a $1,000 deductible.

• Why you can trust NerdWallet

  Our writers and editors follow strict editorial guidelines to ensure fairness and accuracy in our writing and data analyses. You can trust the prices we show you because our data analysts take rigorous measures to eliminate outliers and inaccuracies in pricing data, which include rates from every locale in Tennessee where coverage is offered and data is available. When comparing rates for different coverage amounts, ages and backgrounds, we change only one variable at a time, so you can easily see how each factor affects pricing.

Cheap auto insurance in Tennessee for 20-year-old drivers

Drivers in their 20s may have to get a lot of quotes to find the best cheap car insurance. Prices can be sky-high for younger 20-somethings, but tend to come down as drivers get more experience on the road. Still, some companies routinely have better insurance rates for young drivers, so it's best to shop around to find them.

Cheapest full coverage car insurance in Tennessee for 20-year-olds

Drivers in Tennessee with clean driving records may want to consider the following companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Tennessee for 20-year-olds

Drivers in Tennessee who want just the state minimum coverage may want to check with these companies, which had the lowest average rates:

Cheapest car insurance in Tennessee for 20-year-olds with poor credit

Drivers with poor credit in Tennessee should look at the following insurers with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 20-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Tennessee, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 20-year-old drivers with one at-fault crash

For drivers with a recent accident in Tennessee, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 20-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI is shown here, alongside the insurers' average rates for minimum coverage.

Cheap auto insurance in Tennessee for 30-year-old drivers

By the time they reach their 30s, most drivers will enjoy cheaper car insurance rates than in their teens and 20s. Still, factors like a person’s driving record and car make and model can increase prices. Drivers in their 30s can get lower rates by shopping around and taking advantage of any car insurance discounts.

Cheapest full coverage car insurance in Tennessee for 30-year-olds

Drivers in Tennessee seeking full coverage auto insurance can check with the following companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Tennessee for 30-year-olds

Drivers in Tennessee who want their state's minimum coverage can check with the following companies, which had the lowest average rates:

Cheapest car insurance in Tennessee for 30-year-olds with poor credit

Drivers with poor credit in Tennessee should consider the following companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 30-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Tennessee, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 30-year-old drivers with one at-fault crash

For drivers in Tennessee with a recent accident, here are the lowest average rate options for minimum coverage:

Cheapest car insurance in Tennessee for 30-year-old drivers after a DUI

For the cheapest auto insurance after a DUI, we found the following options for minimum coverage.

Cheap auto insurance in Tennessee for 40-year-old drivers

Drivers in their 40s tend to have better insurance rates than their younger counterparts on average, but still pay more than older age groups. Shopping around for cheap car insurance quotes with multiple insurers is the best way to find lower rates. Good drivers who don’t get behind the wheel often might want to consider pay-per-mile insurance, which charges drivers by how many miles they drive.

Cheapest full coverage car insurance in Tennessee for 40-year-olds

Drivers in Tennessee with clean driving records may want to think about the following companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Tennessee for 40-year-olds

Drivers in Tennessee who want just the minimum coverage may want to check prices from these companies, which had the lowest average rates:

Cheapest car insurance in Tennessee for 40-year-olds with poor credit

Drivers with poor credit in Tennessee can check out the following insurers with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 40-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Tennessee, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 40-year-old drivers with one at-fault crash

For drivers with a recent accident living in Tennessee, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 40-year-old drivers after a DUI

The cheapest minimum coverage auto insurance we found for drivers with a DUI came from the following companies.

Cheap auto insurance in Tennessee for 50-year-old drivers

Drivers in their 50s have cheaper car insurance rates than most other age groups on average. Prices will continue to drop as they inch toward their 60s and gain more driving experience. Rates can still vary depending on other factors such as a driver’s gender and location, so it’s smart to shop around to find the best rate. Our list of cheap auto insurance companies is a good place to start.

Cheapest full coverage car insurance in Tennessee for 50-year-olds

Drivers in Tennessee with clean driving records may want to get quotes from these insurers, which had the lowest average rates:

Cheapest minimum coverage car insurance in Tennessee for 50-year-olds

Drivers in Tennessee who opt for the state minimum coverage may want to consider the following companies, with the lowest average rates:

Cheapest car insurance in Tennessee for 50-year-olds with poor credit

Drivers with poor credit in Tennessee can check with the following companies, which showed the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 50-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Tennessee, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 50-year-old drivers with one at-fault crash

For drivers living in Tennessee with a recent accident, here are the insurers with the lowest average minimum coverage rates:

Cheapest car insurance in Tennessee for 50-year-old drivers after a DUI

The cheapest auto insurance we found for drivers with a recent DUI comes from the following companies, listed with rates for minimum coverage.

Cheap auto insurance in Tennessee for 60-year-old drivers

Although 60-year-olds have cheaper car insurance rates than many other age groups on average, prices will start increasing as they get older. To find cheap car insurance for seniors, drivers in their 60s should make sure to shop around to find the best rate. Drivers in this age group should also take advantage of any available discounts for senior citizens.

Cheapest full coverage car insurance in Tennessee for 60-year-olds

Drivers in Tennessee with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Tennessee for 60-year-olds

Drivers in Tennessee who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

Cheapest car insurance in Tennessee for 60-year-olds with poor credit

Drivers with poor credit in Tennessee can look at the following companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 60-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Tennessee, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 60-year-old drivers with one at-fault crash

For drivers with a recent accident living in Tennessee, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 60-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.

Cheap auto insurance in Tennessee for 70-year-old drivers

Car insurance costs may start to rise for 70-year-old drivers. To find the cheapest possible coverage, shop around and compare quotes from multiple companies. Also, look for insurers that offer discounts for seniors. For example, some insurers offer discounts to senior drivers who take a defensive driving course.

Cheapest full coverage car insurance in Tennessee for 70-year-olds

Drivers in Tennessee with clean driving records may want to think about getting quotes from these companies, which had the lowest average rates:

Cheapest minimum coverage car insurance in Tennessee for 70-year-olds

Drivers in Tennessee who want just the state minimum coverage may want to check with these insurers, which had the lowest average rates:

Cheapest car insurance in Tennessee for 70-year-olds with poor credit

Drivers with poor credit in Tennessee can look at the following companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 70-year-old drivers with one speeding ticket

For drivers with a recent speeding ticket in Tennessee, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 70-year-old drivers with one at-fault crash

For drivers with a recent accident living in Tennessee, here are the companies with the lowest average rates for minimum coverage:

Cheapest car insurance in Tennessee for 70-year-old drivers after a DUI

The cheapest auto insurance we found after a DUI came from the following companies, shown with their average rates for minimum coverage.

Cheapest car insurance for military families in Tennessee

If you're an active member of the military or a veteran — or have an immediate family member who is — chances are you'll get a relatively cheap rate with USAA, a company that isn't available to the general public.

Because of that restriction, USAA isn't ranked with the others, but it was among the cheapest three auto insurance options for 69 of the 70 driver profiles we examined.

» MORE: Best car insurance for veterans and military

Minimum auto insurance limits required in Tennessee

» MORE: The best home insurance in Tennessee

Alternative car insurance in Tennessee

If you’re denied car insurance on the voluntary market due to past violations, crashes, poor credit or other reasons, you can apply for coverage via the Tennessee Automobile Insurance Plan.

For more help finding cheap car insurance in Tennessee, try NerdWallet’s car insurance comparison tool.