Find essential tips to shop for car insurance confidently and save money in the Volunteer State.
Car Insurance Calculator Tennessee
Updated: May 12, 2025
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Get Tennessee Car Insurance Estimates
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$155
High
$114
Average
$64
Low
Rates updated:
Jun 06, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 | 92 /of 100 | $64 | |
| 2 |  GEICO | 74 /of 100 | $94 |
| 3 |  Nationwide | 88 /of 100 | $104 |
| 4 | 67 /of 100 | $127 | |
| 5 |  Foremost | 70 /of 100 | $138 |
| 6 | 71 /of 100 | $155 |
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Key Takeaways
Insurers in Tennessee will calculate your car insurance estimates based mainly on your vehicle, age, location, driving record, credit score and coverage level chosen.
Our car insurance costs estimates in Tennessee can range anywhere from $458 to $1,989 per year depending on a variety of factors.
To get the best deal on Tennessee car insurance, we recommend deciding on your coverage needs beforehand, researching rates and discounts and getting multiple provider quotes.
How To Calculate Tennessee Car Insurance Costs and Save Money
Decide Coverage Needs Beforehand
Determine your coverage level before shopping to avoid unnecessary upselling. Consider factors like your location, driving habits, vehicle, and financial situation. Use our calculator to find out how much coverage you need.
Research Costs and Discounts for You
Investigate average car insurance costs in Tennessee based on your coverage level and driver profile to understand potential savings. Look for discounts you may qualify for to discuss with agents for more personalized savings.
Research the Cheapest Providers for You
With your coverage level and cost research in hand, start obtaining provider estimates. This will help you identify where to start when comparing quotes and find the cheapest car insurance in Tennessee for your needs. Use our calculator for personalized estimates.
Compare Multiple Providers Through Many Avenues
Comparing multiple providers can lead to significant savings in Tennessee. Use various avenues like comparison sites, independent brokers, insurer websites, and direct agencies, as prices for the same coverage can vary.
Take Advantage of Tennessee-Specific Programs
If you're a high-risk driver, Tennessee makes available defensive driver courses that may minimize your increased rates. Insurance points differ depending on the violation.
Consider Non-Traditional Coverage Options
Options like pay-per-mile insurance are ideal for those driving less than average. Telematics insurance tracks driving habits and offers discounts for safe driving. Automakers may also provide insurance directly, potentially saving money with added benefits.
What Affects Your Tennessee Car Insurance Estimates?
Your car insurance premium in Tennessee hinges on four main areas: vehicle details, driver profile, location and the provider you choose. Discover how each element affects your rate by exploring the links below:
How Much Does Provider Chosen Affect Tennessee Car Insurance Estimates?
The provider you choose is the most influential factor affecting car insurance estimates and quotes in Tennessee. Depending on the provider, your rates can drop 27% or increase by as much as 27% compared to the average for Tennessee drivers.
| Lowest | Travelers | $69 | $831 |
| Highest | Progressive | $121 | $1,448 |
How Much Does Age Affect Tennessee Car Insurance Estimates?
After your provider, age is the second most important factor for determining car insurance rates for Tennessee drivers. Depending on your age, your rates can go up as much as 110% or decrease by as much as 48% compared to state averages. No matter which state you're in, car insurance will typically be highest when you are 16 and decrease from there until you are 65.
| Lowest | 65 | $89 | $1,071 |
| Highest | 16 | $404 | $4,845 |
How Much Does Credit Affect Tennessee Car Insurance Estimates?
Credit score level influences car insurance rates in Tennessee the third most when compared to other factors. The better your credit score is, the lower your car insurance rates will be. Rates can vary from $75 monthly to $166 per month on average for full coverage policies.
| Lowest | Excellent | $75 | $896 |
| Highest | Poor | $166 | $1,990 |
How Much Does Coverage Affect Tennessee Car Insurance Estimates?
Coverage is the fourth most important factor in determining auto insurance rates in the Volunteer State, causing rates to vary anywhere from $459 per year for minimum coverage to $1,374 yearly for maximum coverage. The higher your coverage level is for liability auto insurance, and the lower your deductible is for collision and comprehensive coverages, the more expensive pricing gets.
| Lowest | State Minimum Liability Only | $38 | $459 |
| Highest | 300/500/300 Full Cov. w/$500 Ded. | $114 | $1,374 |
How Much Does Driving Record Affect Tennessee Car Insurance Estimates?
Your driving record is the fifth most influential factor changing car insurance rates in Tennessee with rates changing up to 34%. Depending on how many violations you have and the severity of them if you do, rates will vary widely.
| Lowest | Clean | $95 | $1,137 |
| Highest | DUI - BAC >= .08 | $178 | $2,133 |
Tennessee Car Insurance Calculator: Bottom Line
We recommend you research costs, coverage options, and companies before using our car insurance calculator to get estimates. Once you do, get plenty of quotes and compare our estimates and what you've seen for your profile apples to apples to get the best deal for your unique situation.
Tennessee Car Insurance Estimate: FAQ
Below you will find answers to common questions about Tennessee car insurance costs and estimates:
What is used to determine Tennessee car insurance costs?
Personal details such as your age, credit score, driving record, the vehicle you drive and location affect how your rates are calculated the most. From there, the provider you choose and the coverage level you want influence exactly how much you will pay past that.
How much is Tennessee car insurance on average?
In Tennessee, average car insurance costs range from $38 per month for state minimum coverage to up to $183 monthly for comprehensive policies.
How do I get the best car insurance in Tennessee?
To secure the best car insurance in Tennessee, assess your coverage needs, compare quotes from various providers and leverage tools like insurance calculators for the optimal and most cost-effective policy.
Our Tennessee Car Insurance Estimate Methodology
For all costs and modifications of cost profiles presented, we used the following base profile:
- 40 years old
- Good credit
- Drives a 2012 Toyota Camry
- Clean driving record
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.