Best and Cheapest Car Insurance in Tennessee as Rated by Customers in 2021

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#1
/56
USAA
4.73 ★★★★★
4.73 ★★★★★
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Excellent
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#2
/56
4.56 ★★★★★
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#3
/56
4.29 ★★★★★
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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. We also want to ensure you understand what it takes to get cheap auto quotes from various companies, because there is such a wide range to choose from. Plus we'd also like to help outline what should be included in your auto policy within the Tennessee area.

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 coverage they offer, any insurance discounts they offer, and read car insurance reviews to learn from the experiences of other auto insurance policyholders. With all of this information under your belt, you'll be able to find much more affordable rates and understand why purchasing just the minimum policy may not be the best idea.

On this page:

Who offers the cheapest teen car insurance rates in Tennessee?

If you have a clean driving record with no at-fault accidents, speeding tickets, or DUI penalties, the chances of finding cheap car insurance rates are much higher. Still, teen drivers will probably have to ask about student discounts or take defensive driving courses in order to save money on a policy. They don't have much driving history for an insurer to reference. But rather than just take away their driving privileges if it turns out they're more of a high-risk driver, instruct them on how to practice safe driving habits, and research coverage options with various carriers.

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 ratesMale 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. Financial stability in a relationship is important, and an auto policy is no exception. Grouping together doesn't lessen the amount of coverage per person, but it does aid in reducing the overall cost.

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 one driving incident within the past three 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 ratesMale 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.

What are the 10 cheapest areas in Tennessee for car insurance?

The area you live in matters when it comes to cheap 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 one driving incident within the past three 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.

What are the 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 one driving incident within the past three 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.

Are there any minimum car insurance coverage requirements and limits in Tennessee?

Tennessee has one mandatory requirement for drivers: liability car insurance. This coverage helps you pay for property damage and includes bodily injury liability for 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 than the minimum coverage requirements in order to make sure you have sufficient auto insurance 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. Collision will help in the event of a crash with another vehicle, where comprehensive helps if your vehicle suffers through a natural disaster or vandalism. 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. By purchasing higher limits than the minimum requirements, you'll be paying more overall for your policy, but you won't be landed with having to pay compensation for another driver's medical expenses out of your own pockets.

Tennessee state minimum car insurance 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. You can also look into personal injury protection, which helps should you end up with medical bills from a hospital visit. There is also uninsured and underinsured motorist coverage, which can be helpful when it comes to the information we provide below.

What is 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. Tennessee has a high percentage of uninsured drivers, so this coverage also protects you from hit-and-run drivers and drivers who don’t have enough insurance. Your coverage rates may increase the more protection you end up having included in your policy, however it still would be better to be safe rather than financially sorry.

How are car insurance rates calculated in Tennessee?

When searching and comparing insurance 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 comprehensive and collision coverage)

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 can you 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. The average cost of car insurance in Tennessee is 30% lower than the national average while Tennessee ranks 15 out of 50 for having the most affordable car insurance.

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

You can also ask your insurance carrier for any potential discounts that they may offer. Remember, the cheapest rate from the cheapest companies won't always offer you the protection you need in the event of an accident. The more expensive policies may not seem worth it at first, but if you take the above mentioned steps to heart, you could end up offsetting their cost with just a little research.

How does Clearsurance rate and rank 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. This might center on the coverage policy itself, the way they handle their customer service, or even how fast their approach to fulfilling claims turns out to be. This way, we're not just looking at the cheapest providers — we want to cover all the options that are available to you.

The Clearsurance customer ratings and rankings are derived entirely from customer reviews and ratings. We make sure that we provide accurate content so that you can make your financial decisions with confidence.

Is there a guide to use for reference?

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.

Frequently Asked Questions

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. Teen drivers who have a clean record will have an even better chance at a lower annual cost of coverage. Having them research their own policy can also teach them the value of financial responsibility. 

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.

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.

Save Money by Comparing Insurance Quotes
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