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Best & Cheapest Tennessee Car Insurance as Rated by Customers in 2020

4.68 ★★★★★
4581 customer reviews
rated their claim's experience positively
4.64 ★★★★★
104 customer reviews
rated their claim's experience positively
4.22 ★★★★★
208 customer reviews
rated their claim's experience positively
4.19 ★★★★★
461 customer reviews
rated their claim's experience positively
4.13 ★★★★★
16907 customer reviews
rated their claim's experience positively
4.10 ★★★★★
2060 customer reviews
rated their claim's experience positively
4.04 ★★★★★
2233 customer reviews
rated their claim's experience positively
4.03 ★★★★★
7154 customer reviews
rated their claim's experience positively
3.96 ★★★★★
1333 customer reviews
rated their claim's experience positively
3.93 ★★★★★
747 customer reviews
rated their claim's experience positively
3.89 ★★★★★
143 customer reviews
rated their claim's experience positively
3.78 ★★★★★
163 customer reviews
rated their claim's experience positively
3.75 ★★★★★
546 customer reviews
rated their claim's experience positively
3.69 ★★★★★
90 customer reviews
rated their claim's experience positively
3.58 ★★★★★
239 customer reviews
rated their claim's experience positively
3.52 ★★★★★
116 customer reviews
rated their claim's experience positively
3.42 ★★★★★
59 customer reviews
rated their claim's experience positively
3.08 ★★★★★
295 customer reviews
rated their claim's experience positively
2.16 ★★★★★
133 customer reviews
rated their claim's experience positively
1.93 ★★★★★
56 customer reviews
rated their claim's experience positively

Finding the right car insurance is important for any customer. If you’re from Tennessee, you can read through Clearsurance reviews from the top rated companies Tennessee to find out which company is right for you. Our hope at Clearsurance is to help you better understand how a company performs before you even purchase a policy so you can select the best auto insurance in Tennessee. With thousands of car insurance reviews from unbiased policyholders, we have reviews and rankings for hundreds of car insurance companies so you can evaluate and compare the best Tennessee car insurance companies.

In the table above, you can sort through all the Tennessee car insurance companies ranked on Clearsurance. The rating next to each company — the insurer’s Clearsurance score — is based exclusively on the ratings provided by customers. Note: Only those companies with at least 25 car insurance reviews are eligible to appear in the best Tennessee car insurance rankings.

Interested in learning more about one of these Tennessee car insurance companies? You can visit the company’s profile page to find out what additional coverages they offer, any discounts they offer and read car insurance reviews to learn from the experiences of other policyholders.

On this page:

Who offers the cheapest teen car insurance rates in Tennessee?

Farm Bureau Insurance of Tennessee is the cheapest car insurance option for both male and female teen drivers in Tennessee on average. In the table below, you can see the average teen car insurance rates for the top five largest car insurers in the state.

Company Female teen rates Male teen rates
Allstate Insurance $2,331 $2,573
Erie Insurance Group $851 $972
Farm Bureau Insurance of Tennessee $643 $960
Progressive $2,229 $2,431
State Farm Insurance Company $995 $1,171

These rates are based on profiles for 18-year-old male and female drivers in Tennessee. The car used was a 2015 Honda Civic EX. We used the minimum car insurance state limits. The rates displayed should only be used for comparative purposes as individual rates in Tennessee will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest car insurance rates for a married couple in Tennessee?

Out of the five largest auto insurance companies, Erie Insurance offers the cheapest car insurance rates for married couples in Tennessee on average.

Company Married couple rates
Allstate Insurance $1,503
Erie Insurance Group $1,064
Farm Bureau Insurance of Tennessee $1,311
Progressive $1,416
State Farm Insurance Company $1,652

These rates are based on a 35-year-old married couple with two drivers and two vehicles on a policy. The cars used were two 2015 Toyota Highlander LEs. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had 1 driving incident within the past 3 years and they both have a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Tennessee will differ. Rate data is provided by Quadrant Information Services.

Who offers the cheapest senior car insurance rates in Tennessee?

Farm Bureau Insurance of Tennessee provides the cheapest car insurance rates for male and female senior drivers in Tennessee on average.

Company Female senior rates Male senior rates
Allstate Insurance $1,278 $1,322
Erie Insurance Group $831 $831
Farm Bureau Insurance of Tennessee $699 $718
Progressive $742 $760
State Farm Insurance Company $786 $786

These rates are based on profiles for 65-year-old male and female drivers. The car used for each was a 2015 Toyota Camry LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The drivers had zero incidents within the past three years and a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Tennessee will differ. Rate data is provided by Quadrant Information Services.

10 Cheapest areas in Tennessee for car insurance

The area you live in matters when it comes to car insurance rates. In Tennessee, your car insurance rates can vary based on where you live because of factors such as crime rate, weather and number of accidents that happen in your area. The table below displays the top 10 most expensive areas in Tennessee for car insurance based on average rates for a single adult.

Area Car insurance rates
Blountville $1,079
Bristol $1,079
Johnson City $1,080
Piney Flats $1,083
Watauga $1,088
Telford $1,088
Elizabethton $1,089
Bluff City $1,090
Mountain Home $1,090
Jonesborough $1,090

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Tennessee will differ. Rate data is provided by Quadrant Information Services.

10 Most expensive areas in Tennessee for car insurance

Some areas of Tennessee are more expensive for car insurance if the area is at a higher risk to car insurance claims. The table below displays the top 10 most expensive areas in Tennessee for car insurance based on average rates for a single adult.

Area Car insurance rates
Memphis $1,584
Cordova $1,445
Germantown $1,408
Eads $1,400
Ellendale $1,391
Millington $1,389
Brighton $1,388
Arlington $1,387
Collierville $1,386
Silerton $1,378

These rates are based on a 35-year-old single adult with one driver and one vehicle on a policy. The car used was a 2015 Toyota Highlander LE. Full coverage was used with 100/300/50 limits and a $500 collision and comprehensive deductible. The driver had 1 driving incident within the past 3 years and had a good credit score. The rates displayed should only be used for comparative purposes as individual rates in Tennessee will differ. Rate data is provided by Quadrant Information Services.

Minimum car insurance coverage and limits in Tennessee

Tennessee has one mandatory requirement for drivers: liability insurance. This coverage helps you pay for property damage or injuries to other drivers and their passengers in an accident that you cause. The minimum limits set by the state are listed below, but you should consider purchasing higher limits to make sure you have sufficient coverage in the event of a costly accident.

While you could only purchase liability insurance and be a legal driver in the state, you should consider optional coverages, such as collision insurance and comprehensive insurance, which will help cover any damage to your vehicle. You should also look into buying medical payments coverage to make sure that any injury-related bills from an accident are covered, regardless of fault.

Tennessee state minimum requirements:

Liability:

  • Bodily injury — $25,000 per person
  • Bodily injury — $50,000 per accident
  • Property damage — $15,000 per accident

Bodily injury liability provides coverage for injuries sustained by the other vehicle’s driver and passengers if you are held responsible for an accident. This coverage also kicks in to defend you in the event of any legal claims.

Property damage liability provides coverage in the event you damage someone else’s property in a car accident, most commonly the other vehicle, but also things like a home or fence.

Tennessee’s uninsured motorist percentage

Tennessee drivers would be wise to consider another optional coverage: uninsured motorist coverage. According to 2015 data from the Insurance Information Institute, 20 percent of drivers in Tennessee are uninsured, which is the fifth highest of any state in the country.

Without this coverage, you’ll be responsible for your own bills in the event you are hit by an uninsured driver. This coverage also protects you from hit-and-run drivers and drivers who don’t have enough insurance.

How car insurance rates are calculated in Tennessee

When searching and comparing quotes from the best auto insurance companies in Tennessee, it can be frustrating trying to understand how your insurance rates are calculated. While there is no exact formula that each car insurance company uses when providing you a quote, there are many factors that do contribute to the price you pay for your insurance. Among the factors that car insurers consider are:

  • Your driving record
  • How much you drive
  • Location
  • Age
  • Marital status
  • Gender
  • Your car’s make, model and year
  • Your credit history
  • Amount of car insurance coverage (required coverage and optional add-ons, such as collision and comprehensive)

One of the biggest misunderstandings when it comes to insurance rates is that the history of drivers in your area also contributes to how much you pay. For instance, even if you go two years without an accident, if there were a lot of accidents near you recently, your rates might still go up. Why is that the case?

Insurance companies disperse risk across all policyholders so that when it comes time to pay a claim, they have enough money to pay out. But imagine a scenario where they only raised rates for drivers with an accident. For drivers who had an expensive claim, the drivers simply wouldn't be able to afford the raised rates that are based off how much their insurer had to pay after an accident. So instead, insurance companies slightly increase rates across the board to offset the costs, though of course the at-fault driver may see a larger increase.

How to save money on your car insurance in Tennessee

At the end of the day, we’d all like to have the best coverage at a cheap, affordable price from one of the best Tennessee car insurance companies. While you never want to sacrifice quality to save a couple of dollars, there are some different ways you can lower your car insurance premium.

Here are six ways you may be able to lower your car insurance rates:

  • Bundle your car insurance with other policies
  • Consider raising your deductibles
  • Pay your car insurance policy in full
  • Try usage-based car insurance
  • Monitor price changes to your policy
  • Shop for better insurance rates

How Clearsurance rates and ranks the best car insurance companies in Tennessee

Consistent with its mission towards greater transparency, Clearsurance does not keep its rating and ranking formulas in a black box. Our algorithm analyzes a range of inputs from our independent community of insurance customers, including:

  • Price
  • Customer Service
  • Claim service
  • Likelihood to renew

The algorithm also takes into account the percentage of what customers say the company does well vs. the percentage of what customers say the company could do better.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings.

Car insurance guide

Whether you’re buying your insurance direct or going through an agent, understanding the different car insurance coverage options is a must. Do you know what is covered by comprehensive coverage? Are you familiar with uninsured motorist coverage? Do you know how a deductible works?

We want to make sure you’re equipped with a proper knowledge of car insurance, so check out our car insurance guide. Looking for more educational information about car insurance? Check out our car insurance blog for more information and topics related to car insurance.