Westfield offers the cheapest minimum coverage in Tennessee for low-income drivers with clean records and good credit. Tennessee Farm Bureau and Progressive are often more affordable if you have bad credit or violations.
Cheapest Low-Income Car Insurance in Tennessee
Updated: February 7, 2025
Advertising & Editorial Disclosure
Key Takeaways
Even without a state-sponsored low-income car insurance plan, drivers can still find affordable coverage in Tennessee.
The cheapest options for low-income drivers are Westfield, Auto-Owners, Tennessee Farm Bureau and State Farm.
Exploring discount opportunities and getting quotes from various providers will help drivers get the best deal on car insurance.
Cheapest Car Insurance Companies for Low-Income Drivers in Tennessee
| Westfield | Young Drivers | $29 |
| Westfield | Adults | $24 |
| Auto-Owners | Seniors | $27 |
| Tennessee Farm Bureau | Drivers With a Speeding Ticket | $28 |
| Progressive | Drivers With a DUI | $39 |
| Tennessee Farm Bureau | Drivers With an Accident | $28 |
| Tennessee Farm Bureau | Bad Credit | $32 |
*All rates in this table, except for adults, are based on a modified profile of a 40-year-old driver with good credit and a clean record insuring a 2012 Toyota Camry. The age ranges are 22 to 29 for young drivers, 30 to 59 for adults and 60+ for seniors.
Compare Cheap Low-Income Car Insurance Providers
Use the table below to find the most affordable car insurance provider that matches your driver profile.
Data filtered by:Results filtered by:
Select
Age Range:30-59
Select
Driving Record:Clean
Select
Credit Score:Good
Select
Coverage Level:State Minimum Liability Only
| Westfield | $24 | $290 |
| Auto-Owners | $26 | $317 |
| Tennessee Farm Bureau | $28 | $337 |
| Travelers | $32 | $387 |
| Farmers | $33 | $401 |
Cheapest Car Insurance for Families With Low Income in Tennessee
State Farm offers the cheapest auto insurance rates for low-income families adding a teen to their policy in Tennessee. Married couples pay $48 monthly, while single parents pay $76. Auto-Owners provides the best deal when adding a spouse to your insurance policy at $31 monthly.
Data filtered by:Results filtered by:
Select
Family Type:Married Couple with Teen
| State Farm | $574 | $48 |
| Auto-Owners | $615 | $51 |
| Nationwide | $671 | $56 |
| Allstate | $736 | $61 |
| GEICO | $786 | $66 |
| Farmers | $811 | $68 |
| Travelers | $838 | $70 |
| Progressive | $986 | $82 |
*Rates for couples and single parents with teens apply to a 16-year-old driver. Those for a married couple without children are based on a 40-year-old male with good credit and a clean driving record.
Tips to Save On Car Insurance for Low-Income Drivers
Here are some ways to reduce your car insurance costs in Tennessee:
- 1
Choose minimum coverage
Although it doesn't cover every expense in an at-fault accident, minimum coverage is the most affordable option to stay legal on the road in Tennesee, meeting all of the state requirements for insurance.
- 2
Compare quotes
Looking at quotes from different providers will help you find the best possible deal for you specifically. You can use online tools like our car insurance calculator, or get quotes directly from provider websites for the best comparison.
- 3
Look for discounts
Taking advantage of discount opportunities can lead to strong savings on car insurance. Customers can find discounts based on their driving profile, or utilize telematics programs to earn savings by driving safely.
- 4
Increase your deductible
Choosing a higher deductible will lead to lower monthly rates, but you will have to be able to pay for it if you need to file a claim.
- 5
Consider pay-per-mile insurance
Pay-per-mile insurance is made up of a low base fee, along with a fee for each mile driven in a given period. If you are someone who doesn't drive often or long miles, it can be an effective way to save money.
- 6
Bundle your policies
Insurers often offer a discount for bundling home and auto insurance policies together. In Tennesee, we found that discounts can reach up to $950 annually depending on the provider.
- 7
Get a cheaper car to insure
A vehicle's type and age affect insurance premiums, impacting repair and replacement costs. Opting for a cheaper car to insure, like an older, reliable model, can lead to hundreds in annual savings.
Minimum Car Insurance Requirements in Tennessee
Tennessee residents need to meet these minimum car insurance requirements:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $25,000 in property damage liability per accident
If you're leasing or financing a vehicle, you'll need liability coverage of 100/300/100, along with comprehensive and collision protection.
WHY MINIMUM COVERAGE MAY NOT BE RIGHT FOR YOU
Minimum car insurance helps pay for the other driver's costs when you cause a car crash, but it won't pay for your car's repairs or any legal bills. If you drive often and it fits your budget, consider getting more than the minimum for better protection in the case of an incident.
Cheap Low-Income Car Insurance in Tennessee: Bottom Line
Westfield offers the cheapest car insurance in Tennessee for most low-income drivers with clean records and good credit. For high-risk drivers, Tennessee Farm Bureau and Progressive are the most affordable. Explore providers through different methods to secure the best deal.
Low-Income Auto Insurance in Tennessee: FAQ
Affordable car insurance can be hard to find for low-income drivers. Here are answers to common questions on saving money.
What is the cheapest car insurance for low-income drivers in Tennessee?
Minimum coverage is often the most affordable option for low-income drivers, though finance or lease agreements may require more comprehensive insurance. Westfield offers Tennessee's lowest minimum coverage rate at $24 monthly, and Travelers provides the cheapest full coverage at $69.
Does Tennessee have a state-supported low-income car insurance program?
Tennessee has no state-supported insurance program for low-income drivers.
Does your income affect the cost of car insurance in Tennessee?
Income doesn't directly affect car insurance costs in Tennessee. Factors like driving history and vehicle type have more impact.
How We Chose the Cheapest Car Insurance for Low-Income Drivers
Study Overview
MoneyGeek analyzed Tennessee auto insurance rates using data from the Tennessee Department of Commerce and Insurance and Quadrant Information Services.
Data Acquisition, Depth and Analysis
MoneyGeek reviewed 328,384 quotes from 14 companies across 370 ZIP codes to determine the average cost of car insurance for drivers with low income in Tennessee.
Sample Driver Profile
We used a sample driver profile with the following attributes to determine average car insurance rates for low-income drivers in Tennessee:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
To determine rates for specific driver profiles, we adjusted factors such as age, family status, driving history and credit standing.
Our study defines seniors as 60 or older, young drivers as 22 to 29 and adults as 30 to 59. Married couples with a child include 40-year-old male and female drivers with a 16-year-old teen. Single parents with children are 40-year-old male or female drivers with a 16-year-old teen.
Coverage Levels and Deductibles
Our data shows rates for minimum coverage, which follows the requirements set by Tennessee law and offers affordable options for low-income drivers.
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.