Auto-Owners leads Tennessee's insurance market with monthly rates of $32 for minimum coverage and $79 for full coverage. Choosing it saves drivers $23 monthly, or 29% compared to state averages. Get quotes from Farm Bureau, Travelers, Erie and Farmers too.
Cheapest Car Insurance in Tennessee
Updated: October 4, 2025
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Key Takeaways
Auto-Owners, Farm Bureau and Travelers rank as the cheapest car insurance companies in Tennessee, with Auto-Owners offering rates up to 29% below the state average.
Car insurance costs can be as low as $27 monthly for minimum coverage and $79 for full coverage policies on average in Tennessee.
To get the cheapest car insurance in Tennessee, research average costs and top companies, take advantage of discounts and compare multiple provider quotes.
Who Has the Cheapest Car Insurance in Tennessee?
| Auto Owners | $32 | $79 | -29% | $-23 |
| Farm Bureau | $27 | $85 | -28% | $-22 |
| Travelers | $38 | $78 | -26% | $-20 |
| Erie Insurance | $38 | $103 | -10% | $-7 |
| Farmers | $53 | $104 | 1% | $1 |
*These rates are for a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state.
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$161
High
$94
Average
$59
Low
Rates updated:
Oct 08, 2025
| Insurance Carrier | MoneyGeek ScoreMG Score | Average Monthly Payment | |
|---|---|---|---|
| 1 |  State Farm | 88 /of 100 | $59 |
| 2 |  Farmers | 81 /of 100 | $71 |
| 3 |  Nationwide | 86 /of 100 | $81 |
| 4 | 89 /of 100 | $85 | |
| 5 |  Travelers | 83 /of 100 | $86 |
| 6 |  GEICO | 76 /of 100 | $86 |
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance Rates by Category in Tennessee
Farm Bureau and Travelers each offer the cheapest rates for three out of our 10 driver categories in Tennessee, with Farm Bureau providing affordable coverage for seniors and drivers with accidents or tickets. Find your specific rates in the table:
| Young Drivers | Travelers | $89 |
| Adult Drivers | Auto Owners | $28 |
| Senior Drivers | Farm Bureau | $31 |
| Drivers With An Accident | Farm Bureau | $27 |
| Drivers With A DUI | Travelers | $53 |
| Drivers With A Speeding Ticket | Farm Bureau | $27 |
| Drivers With Bad Credit | Geico | $87 |
| Drivers With Low Income | Geico | $58 |
| Drivers With Newer Cars | Travelers | $38 |
| Drivers With Old Cars | Auto Owners | $22 |
*Rates for the categories above are based on a profile of a 40-year-old with good credit, a clean driving record and a 2012 Toyota Camry across all ZIP codes in the state. Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
LEARN MORE ABOUT THE BEST CHEAP CAR INSURANCE IN TENNESSEE
We've created additional guides below to help you in your search for the best and cheapest car insurance in Tennessee:
Compare the Cheapest Car Insurance in Tennessee for You
The tables above show overall winners, but your cheapest option depends on your specific situation. For example, Farm Bureau offers the lowest rates at $193 monthly for adult drivers with poor credit and an accident record who want full coverage. Filter the table to match your exact situation:
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $112 | $1,349 | -0.23 | $-409 |
| Farmers | $144 | $1,729 | -0.02 | $-29 |
| Auto Owners | $133 | $1,591 | -0.10 | $-167 |
| Farm Bureau | $82 | $987 | -0.44 | $-771 |
| State Farm | $131 | $1,575 | -0.10 | $-183 |
*Young drivers refer to 16 to 25-year-olds, adults 26 to 64-year-olds and seniors 65+ years of age.
Cheapest Car Insurance in Tennessee by City
Auto-Owners captures 13 of Tennessee's 20 largest cities with the lowest monthly premiums in the dataset analyzed. Farm Bureau takes the remaining seven—Brentwood, Cleveland, Columbia, Franklin, Jackson, Kingsport, and Spring Hill—as of October 2025.
Minimum coverage rates stretch from $21 to $38 monthly across Tennessee's major markets. Kingsport claims the state's cheapest rate at $21 monthly with Farm Bureau. Cleveland and Brentwood follow closely at $23 and $24 monthly, both via Farm Bureau. Memphis posts the highest premium at $38 monthly through Auto-Owners. Nashville, the state's capital and largest city, sits at $32 monthly with Auto-Owners—matching Murfreesboro's rate from the same insurer.
| Bartlett | Auto Owners | $34 | -35% | $-33 |
| Brentwood | Farm Bureau | $24 | -32% | $-24 |
| Chattanooga | Auto Owners | $29 | -31% | $-24 |
| Clarksville | Auto Owners | $33 | -31% | $-25 |
| Cleveland | Farm Bureau | $23 | -33% | $-23 |
| Collierville | Auto Owners | $31 | -34% | $-29 |
| Columbia | Farm Bureau | $24 | -34% | $-25 |
| Franklin | Farm Bureau | $24 | -32% | $-23 |
| Gallatin | Auto Owners | $28 | -30% | $-22 |
| Hendersonville | Auto Owners | $37 | -31% | $-27 |
| Jackson | Farm Bureau | $26 | -28% | $-21 |
| Johnson City | Auto Owners | $24 | -29% | $-18 |
| Kingsport | Farm Bureau | $21 | -32% | $-21 |
| Knoxville | Auto Owners | $29 | -29% | $-21 |
| Lebanon | Auto Owners | $28 | -28% | $-21 |
| Memphis | Auto Owners | $38 | -37% | $-40 |
| Murfreesboro | Auto Owners | $32 | -30% | $-24 |
| Nashville | Auto Owners | $32 | -27% | $-22 |
| Smyrna | Auto Owners | $28 | -30% | $-22 |
| Spring Hill | Farm Bureau | $26 | -32% | $-24 |
*The lowest rate referenced is for a minimum coverage policy for a 40-year-old with good credit and no driving violations.
Cheapest Car Insurance in Tennessee By Driver Age Group
We analyzed car insurance rates across Tennessee for three age groups: young drivers (16 to 25), adult drivers (26 to 64) and seniors (65+). Here are the providers that offer the best deals:
- Young drivers can find the lowest rates with Travelers, starting at $89 per month
- Adult drivers get the best deals from Auto Owners, with rates from $28 per month
- Senior drivers see the most affordable coverage from Farm Bureau, beginning at $31 per month
Cheapest Car Insurance for Young Drivers in Tennessee
Farm Bureau offers Tennessee's young drivers the lowest rates for minimum coverage car insurance at $75 monthly, saving 38% compared to the state average. For full coverage policies, Travelers provides the most affordable option at $195 per month, offering a 26% savings versus the state average.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Female
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $267 | $3,207 | -27% | $-1,203 |
| Farm Bureau | $210 | $2,526 | -43% | $-1,884 |
| Penn National Insurance | $323 | $3,877 | -12% | $-532 |
| State Farm | $294 | $3,523 | -20% | $-887 |
| Geico | $299 | $3,588 | -19% | $-822 |
Cheapest Car Insurance for Adult Drivers in Tennessee
Auto-Owners provides the most affordable car insurance for Tennessee drivers, with minimum liability coverage at $28 monthly and full coverage at $77 per month.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $112 | $1,349 | -23% | $-409 |
| Farmers | $144 | $1,729 | -2% | $-29 |
| Auto Owners | $133 | $1,591 | -10% | $-167 |
| Farm Bureau | $82 | $987 | -44% | $-771 |
| State Farm | $131 | $1,575 | -10% | $-183 |
Cheapest Car Insurance for Senior Drivers in Tennessee
Farm Bureau offers Tennessee seniors the most affordable rates for both full and minimum coverage. Annual premiums start at $377 for minimum coverage and $1,044 for full coverage with higher liability limits.
Data filtered by:Results filtered by:
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Female
Select
Credit Alignment:Good
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Farm Bureau | $83 | $998 | -57% | $-1,328 |
| Penn National Insurance | $171 | $2,049 | -12% | $-278 |
| Progressive | $177 | $2,119 | -9% | $-207 |
| State Farm | $148 | $1,777 | -24% | $-550 |
| Travelers | $154 | $1,848 | -21% | $-479 |
Cheapest Car Insurance for High-Risk Drivers in Tennessee
We studied four core areas for profiles insurers consider particularly high-risk in Tennessee including those with bad credit, DUIs, accidents and speeding tickets. Here are the providers that offer the best rates for each group:
- Cheapest for Bad Credit: Geico (From $212/mo)
- Cheapest With a DUI: Travelers (From $118/mo)
- Cheapest With an Accident: Farm Bureau (From $85/mo)
- Cheapest With a Speeding Ticket: Farm Bureau (From $85/mo)
- Cheapest With a Texting While Driving Violation: Farm Bureau (From $27/mo)
Cheapest Car Insurance for Bad Credit in Tennessee
Geico provides Tennessee's most affordable car insurance for drivers with bad credit. Annual rates start at $1,029 for minimum liability coverage and $2,502 for full coverage policies.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Driving Record:At Fault Accident ($1000-$1999 Prop Dmg)
| Travelers | $331 | $3,977 | -18% | $-876 |
| Penn National Insurance | $281 | $3,376 | -30% | $-1,477 |
| Nationwide | $334 | $4,010 | -17% | $-843 |
| Farm Bureau | $241 | $2,895 | -40% | $-1,958 |
| Geico | $286 | $3,434 | -29% | $-1,419 |
Cheapest Car Insurance With a DUI in Tennessee
Farm Bureau provides the lowest rates for Tennessee drivers with DUIs, with annual premiums starting at $502. State Farm follows as the next most affordable option, offering coverage at $524 per year.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
| Travelers | $118 | $1,421 | -30% | $-606 |
| Progressive | $141 | $1,689 | -17% | $-338 |
| Farmers | $138 | $1,655 | -18% | $-371 |
| State Farm | $123 | $1,475 | -27% | $-552 |
| Farm Bureau | $131 | $1,570 | -23% | $-457 |
Cheapest Car Insurance With an Accident in Tennessee
Volunteer State drivers with an accident on their record can find the lowest rates with Farm Bureau. The insurer offers state minimum liability coverage at $27 per month or $319 per year, making it the most affordable option for Tennessee motorists with accident history.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
| Travelers | $112 | $1,349 | -23% | $-409 |
| Farmers | $144 | $1,729 | -2% | $-29 |
| Auto Owners | $133 | $1,591 | -10% | $-167 |
| Farm Bureau | $82 | $987 | -44% | $-771 |
| State Farm | $131 | $1,575 | -10% | $-183 |
Cheapest Car Insurance With an Speeding Ticket
Tennessee drivers with speeding tickets can find the lowest rates through Farm Bureau. The provider offers minimum coverage at $319 per year, while full coverage costs $987 annually.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:100/300/100 Full Cov. w/$1,000 Ded.
Select
Gender:Male
Select
Credit Alignment:Good
| Erie Insurance | $111 | $1,327 | -15% | $-226 |
| Auto Owners | $108 | $1,300 | -16% | $-253 |
| Farm Bureau | $82 | $987 | -36% | $-565 |
| Travelers | $126 | $1,514 | -2% | $-39 |
| State Farm | $123 | $1,475 | -5% | $-77 |
Cheapest Car Insurance With a Texting While Driving Violation
Farm Bureau offers the lowest premiums for drivers ticketed for texting, averaging $27 per month ($319 annually) — about 54% cheaper than the state average. Auto Owners is another strong option at $28 per month, saving drivers 51% on coverage.
Data filtered by:Results filtered by:
Select
Age Group:Adult Drivers
Select
Coverage Level:State Minimum Liability Only
Select
Gender:Male
Select
Credit Alignment:Good
| Farm Bureau | $27 | $319 | -54% | $-371 |
| Auto Owners | $28 | $341 | -51% | $-349 |
| Erie Insurance | $41 | $495 | -28% | $-196 |
| State Farm | $44 | $524 | -24% | $-166 |
| Penn National Insurance | $52 | $628 | -9% | $-62 |
How to Get the Cheapest Car Insurance in Tennessee
Finding the most affordable insurance companies is just the first step to securing the best rates in Tennessee. Here are proven strategies to save the most on auto insurance.
- 1
Shop around by region
Rates differ sharply between Memphis, Nashville, Knoxville, and smaller towns. Always compare multiple quotes to capture regional pricing differences.
- 2
Meet Tennessee’s minimum requirements
Drivers must carry 25/50/25 liability coverage. While cheap, these limits may not be enough in a serious crash.
- 3
Add UM/UIM for protection
Roughly 20% of Tennessee drivers are uninsured. Adding UM/UIM is inexpensive and helps avoid major out-of-pocket costs.
- 4
Use common discounts
Tennessee insurers often give savings for bundling, good student performance, safe-driver programs, and enrolling in telematics.
- 5
Apply through TNAIP if needed
The Tennessee Automobile Insurance Plan (TNAIP) guarantees liability coverage for high-risk drivers who can’t find insurance elsewhere.
Risks of Getting the Cheapest Car Insurance in Tennessee
Tennessee requires drivers to carry liability insurance with minimum limits of 25/50/15. Your policy must provide $25,000 for injuries per person, $50,000 total injury coverage per accident and $15,000 for property damage. But minimum coverage leaves you exposed to major financial risks:
Vehicle damage if you're at fault won't be covered
Without collision coverage, you'll pay all repair costs if you cause an accident. Collision coverage typically includes a deductible, so you'd pay that amount plus any costs above your coverage limits.
In Tennessee, average property damage claims hit $4,732 in 2023, according to the Insurance Information Institute. That money comes straight from your pocket with minimum coverage. Add collision coverage to protect against expensive repairs.
Weather risks make damage to your car more likely and aren't covered
Tennessee gets hit with severe weather that damages cars regularly. National Centers for Environmental Information data shows severe storms caused significant property damage in 2023, with the state experiencing an average of 31 tornadoes annually. Basic coverage won't pay for weather damage. Add comprehensive coverage to protect against Tennessee's frequent storms and tornadoes.
Bodily injury damage is more likely to be higher than the minimum limits
Tennessee requires only $25,000 per person in bodily injury liability coverage, but average bodily injury claims reached $22,734 in 2023. With rising medical costs, even minor accidents could exceed your coverage limits. Consider increasing to 50/100/50 coverage to better protect your assets against expensive injury claims.
Not having uninsured motorist coverage opens you up to unexpected costs
Tennessee has a serious uninsured driver problem, with 23.7% of drivers lacking insurance, nearly double the national average of 12.6%. If an uninsured driver hits you, you'll face steep out-of-pocket costs without uninsured motorist coverage. Legal action against uninsured drivers rarely recovers damages. Adding uninsured motorist coverage provides essential financial protection in these common scenarios.
Vehicle theft damage is more likely and uncovered
Car theft is a real problem in Tennessee, according to National Insurance Crime Bureau statistics, with rates 20% above the national average. Without comprehensive coverage, you get nothing if your car's stolen or damaged during a theft. The average stolen car claim tops $9,000, so comprehensive coverage is worth it in high-risk areas.
Minimum Coverage Requirements in Tennessee
Tennessee law requires all drivers to carry liability insurance to legally operate a vehicle. The state follows an at-fault system, which means the driver responsible for an accident must pay for the resulting damages. Liability coverage is mandatory to cover injuries and property damage caused to others. While these limits satisfy state law, many drivers choose higher amounts of coverage to reduce financial risk after a serious crash.
Coverage Type | Minimum Required Limit |
|---|---|
Bodily Injury Liability (Per Person) | $25,000 per person |
Bodily Injury Liability (Per Accident) | $50,000 per accident |
Property Damage Liability | $15,000 per accident |
Cheap Car Insurance in Tennessee: Bottom Line
Farm Bureau offers the lowest car insurance rates in Tennessee across different coverage levels and driver profiles. While choosing the cheapest insurance option is tempting, the lowest price isn't always your best choice. Get as much coverage as you can afford to protect your finances if an accident happens.
Cheap Car Insurance in Tennessee: FAQ
Below we answer frequently asked questions to help you find affordable car insurance in Tennessee.
What are the cheapest car insurance companies in Tennessee?
Farm Bureau leads Tennessee with affordable car insurance rates at $324 per year for minimum coverage and $1,021 for full coverage. Auto Owners, Erie Insurance, Travelers and Farmers also offer competitive rates.
Who has the cheapest car insurance rates for young drivers in Tennessee?
Travelers provides the most affordable rates for young drivers in Tennessee, with monthly premiums starting at $89.
Who offers the cheapest car insurance rates for seniors in Tennessee?
Senior drivers in Tennessee can find the lowest rates with Farm Bureau, offering policies for drivers 65 and older starting at $31 per month.
Who has the cheapest car insurance in Tennessee for bad credit?
GEICO provides the lowest rates for bad-credit drivers in Tennessee, with monthly premiums averaging $86 for minimum coverage.
Who has the cheapest car insurance in Tennessee with an accident?
Farm Bureau offers the most affordable rates for Tennessee drivers with accident records, starting at $27 per month for minimum coverage.
Who has the cheapest car insurance in Tennessee with a DUI?
Farm Bureau provides the cheapest car insurance after a DUI in Tennessee, with rates of $42 monthly for minimum coverage.
Who has the cheapest car insurance in Tennessee for those with a speeding ticket?
Farm Bureau provides the lowest rates for Tennessee drivers with a speeding ticket, charging $27 monthly for minimum coverage and $85 for full coverage.
Should you buy the cheapest car insurance in Tennessee?
Buying the cheapest insurance saves money upfront, but you need enough coverage to protect against major losses. Farm Bureau balances low prices with solid coverage options in Tennessee.
How We Found the Most Affordable Car Insurance in Tennessee
MoneyGeek collected auto insurance data from the Tennessee Department of Insurance and Quadrant Information Services. We analyzed quotes from 12 major insurers and reviewed more than 200 million rate comparisons across every residential ZIP code in Tennessee.
Tennessee Driver Profile
Our analysis started with a standard driver profile to find the cheapest rates:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
- Good credit
- Valid license
- Currently insured
- No claims history
We adjusted this sample profile, as specified, to find the cheapest option for various driver backgrounds.
Standard Coverage Levels in Tennessee
We compared car insurance companies in Tennessee that offer minimum and full coverage policies. We set the limits of the minimum coverage car insurance policy to the minimum amount required by law in Tennessee.
The minimum coverage liability limits in Tennessee are:
- $25,000 per person for bodily injury
- $50,000 per accident for bodily injury
- $15,000 per accident for property damage
For full coverage policy rates, we used the following liability limits:
- $100,000 for bodily injury liability per person
- $300,000 for bodily injury liability per accident
- $100,000 for property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
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.
sources
- Insurance Information Institute . "Facts + Statistics: Auto Insurance ." Accessed October 8, 2025.
- Insurance Information Institute . "Facts + Statistics: Uninsured Motorists ." Accessed October 8, 2025.
- National Centers for Environmental Information . "Climate at a Glance ." Accessed October 8, 2025.
- National Insurance Crime Bureau . "Vehicle Thefts Surge Nationwide in 2023 ." Accessed October 8, 2025.