We analyzed quotes from the largest insurers in Tennessee to determine which insurance companies have the cheapest car insurance rates. Our research also evaluated customer feedback to determine the best auto insurance companies in the state.
The cost of car insurance in Tennessee varies widely from city to city, and even between different insurers in the same region. For example, the priciest insurer was 219% more expensive than the cheapest insurer in Memphis. That’s why it’s always important for consumers to compare multiple quotes when shopping for car insurance coverage. Read more about our study below, or enter your zip code below to compare auto insurance rates among top U.S. insurers near you.
- Cheapest Car Insurance in Tennessee
- Best Auto Insurance Companies in TN
- Minimum Car Insurance Requirements
- Cheapest Car Insurance in TN: by City
- Average Cost of Car Insurance in TN: by City
Cheap Car Insurance in Tennessee
To find the companies with the lowest auto insurance rates, we reviewed and ranked the average annual quotes for a single 30 year-old man driving a Toyota Camry across 44 cities in Tennessee. Here are the five companies who had the cheapest quotes, with a comparison of their average annual premiums to the statewide mean.
The cheapest car insurance companies in Tennessee were: The Cincinnati, GEICO, Nationwide, Westfield and TN Farmers Bureau. Overall, the five cheapest companies had an average premium of $925 per year, which is 25% cheaper than the Tennessee average. Just keep in mind that each driver’s rates will differ depending on their driving record, liability protection amounts, and where they live, etc. – exactly why consumers should compare quotes from local insurers to get the lowest rates.
The table below shows the top 10 Tennessee insurance companies in terms of price. The companies are ranked in the order of lowest insurance costs per year to highest. Or, enter your zip code above to find the cheapest Tennessee auto insurance quotes near you.
|Rank||Auto Insurance Company||Average Annual Rate|
|5||Tennessee Farmers Bureau||$983|
Best Car Insurance in Tennessee
We found that Nationwide, State Farm, and Allstate were the best-rated auto insurance companies in Tennessee. We arrived at these by measuring customer satisfaction among the major auto insurance companies operating in Tennessee.
|Rank||Insurer name||Complaint ratio|
|7||Farm Bureau Insurance of Tennessee||0.67|
The metric we chose was a complaint index, which consists of a company’s share of complaints versus its share of direct premiums underwritten in Tennessee. This takes into account how a company performs relative to its competitors. A lower index number indicates fewer complaints, which indicates more satisfied policyholders.
We also limited our review to the ten largest auto insurance companies in Tennessee, which combined insured 80% of drivers in the state, to be relevant to most drivers. This ruled out smaller insurers such as Direct General, Erie, or The Hartford.
Auto Insurance in Tennessee: Minimum Coverage Requirements
Tennessee requires that car insurance policies include, at a minimum, the following limits of coverage:
- Bodily injury liability: $25,000 per person and $50,000 per accident
- Property damage liability: $15,000 per accident
While these limits represent the least amount of insurance coverage you can have, you should consider adding more, as damages above these limits could require that you pay out-of-pocket after an accident. The amount of liability insurance you should have typically depends upon the amount of assets you have at risk in the case of a lawsuit. If you own a house in an expensive neighborhood and have sizable savings, we’d recommend you increase your liability limits and consider adding umbrella insurance as well.
Cheap Car Insurance in Tennessee By City
Location helps to determine how much drivers pay for their car insurance. The 5 most expensive cities had an average annual rate of $1,470 while the 5 cheapest areas had yearly premiums around $1,127—23% cheaper than the priciest towns around Tennessee.
Generally speaking, lower population density (i.e., less people per square mile) and lower crime rates (especially auto theft rates) tend to translate into cheaper quotes. As you’ll see, the 5 costliest cities in Tennessee were all in the Memphis metro area, which has the highest crime rates in Tennessee and is also the most populated area.
The table below provides the three cheapest auto insurance companies for each city we surveyed, along with the average annual rates for a single male. Generally speaking, The Cincinnati was the cheapest insurer that we found. Below you can see the three cheapest insurers per city. Then you can see an in-depth look into Tennessee’s largest cities.
|City||Cheapest Car Insurance Companies||Annual Rates|
|Tennessee Farmers Bureau||$912|
|Tennessee Farmers Bureau||$804|
|Tennessee Farmers Bureau||$888|
|Tennessee Farmers Bureau||$888|
|Tennessee Farmers Bureau||$888|
|Kingsport||Tennessee Farmers Bureau||$804|
|Tennessee Farmers Bureau||$912|
|Oak Ridge||The Cincinnati||$852|
|Sevierville||Tennessee Farmers Bureau||$924|
Memphis has been commemorated in more than 1,000 song titles. Known as the Bluff City, it is home to great barbecue and Elvis Presley’s Graceland Mansion. The city also ranks on many lists as one of the top 10 most crime ridden cities in the US, it should come as no surprise that downtown Memphis has the highest auto insurance prices in all of Tennessee.
Rates in Memphis average $1,609 per year, which is 31% higher than the average city in the state. Cheap car insurance in Memphis can be had though, despite the costs being substantially higher than the state average. We found the cheapest auto insurance quotes in Memphis at GEICO, The Cincinnati and Westfield. Insuring your vehicle with these three could save you 32% off what the average company charges in this city.
The city of Nashville and music are closely intertwined, and its nickname, “Music City”, reflects that. The Country Music Hall of Fame is located here, and a plethora of famous songs and records were recorded here and on Music Row. President Andrew Jackson’s house even has a guitar-shaped driveway.
On average, drivers from the “Music City” can pay about $1,248 a year to provide liability protection for their vehicles in Nashville—this ranks Tennessee’s capital as the 11th costliest. Based on our comparison analysis, for a single 30 year old male, The Cincinnati, Westfield and GEICO provided the cheapest options. The average cost between the three was 29% lower than the Music City average.
Measuring 104 square miles, Knoxville is located at the junction of three interstate highways: I-75, I-40, and I-81. This is where the main campus of the University of Tennessee is located, as well as the home of the first electric street car.
How much does auto insurance cost in Tennessee’s third largest city? That’d be about $1,265 for our sample driver, making it the 9th-most expensive for auto insurance. Motorists cruising in the city will be glad to know that cheap auto insurance in Knoxville can be had with a bit of comparison shopping. We found that the three cheapest automobile insurers in Knoxville were The Cincinnati, GEICO and Nationwide for civilians. The average quote at these three companies was 29% cheaper than the city average.
The fourth largest city in the Volunteer State, Chattanooga offers a wealth of natural beauty and southern charm. Residents looking for a break from city life can drive just six miles away to the Ruby Falls at Lookout Mountain – just don’t pass through Walnut Street Bridge, one of the world’s longest pedestrian-only bridges.
The city ranks as the 23rd-most expensive for car insurance in Tennessee. At $1,172 a year, it’s just a 2% less than the state’s average. For affordable car insurance in Chattanooga, we recommend starting with quotes from GEICO, Westfield and Nationwide. The average rates at these companies were 28% less than the Chattanooga average. In comparison, the three most expensive companies in Chattanooga (Encompass, Safe Auto, and State Auto) cost about $942 more than the three cheapest on average.
Clarksville’s train depot and famed Roxy Theater have been featured in music videos, like in the Monkees’ “Last Train to Clarksville”, and Sheryl Crow’s “All I Wanna Do”. Noted guitarist Jimi Hendrix was stationed near Clarksville with the 101st Airborne Division at Fort Campbell as well.
As for car insurance costs, Clarksville is roughly on par with the Tennessee average. We found that single 30-year-old men pay about $1,243 to cover their vehicles for the year. For Clarksville drivers looking to save more, the top three cheapest options were The Cincinnati, GEICO and Nationwide, where rates were about 28% less than the city average.
Murfreesboro is the geographic center of Tennessee, but its auto insurance costs tilt towards the cheaper end of the state. It’s also the seat of Rutherford County, and is home to the Middle Tennessee State University. The area has been ranked as the 84th-best city to live in the United States, and also turns up as the 19th-cheapest city in our study for auto insurance.
Insuring a car in Murfreesboro costs about $1,199 per year for our sample driver. Just by living here, motorists pay about 3% less than the state average. For even more affordable auto insurance in Murfreesboro, consider quotes at GEICO, Westfield and Nationwide. The average price for those companies was $844 per year—30% less than the city average.
The city of Jackson is home to Rusty’s TV & Movie Car Museum, which celebrates the role automobiles have played in entertainment history. Among the TV cars are the Scooby Doo Mystery Machine van and the blue AMC Pacer 2-door compact from Wayne’s World. From movies, you have the Batmobile, the Gran Torino from Starsky & Hutch, the Cadillac Miller-Meteor ambulance from Ghostbusters, and even the DeLorean from Back to the Future. While our cars weren’t featured in film, at least they’re cheaper to insure than any of the specialty automobiles above! It costs $1,267 on average to insure your car in Jackson for our sample driver.
Overall Jackson is 3% higher than the average city in Tennessee. For low-cost auto insurance in Jackson, we recommend starting with quotes from GEICO, Nationwide, and The Cincinnati. Their average annual premium represents a $342 discount from the citywide average.
Had Tennessee kept its previous name, it would have been known as the State of Franklin, but the name went to this city instead. This city of 69,000 was actually named after Benjamin Franklin. Today, the city hosts a number of colorful festivals and events, such as the Main Street Festival, the Wine Down Main Street, Pumpkinfest, and Dickens of a Christmas.
Who has the cheapest car insurance in Franklin? That’d be Westfield, GEICO and The Cincinnati according to our comparison shopping numbers. These companies charged an average of $878, or 26% cheaper than the state average for our sample driver. Overall, Franklin was the 11th most affordable city for car insurance in Tennessee.
Johnson City, TN
Along with Bristol and Kingsport, Johnson City is the third member of the “Tri-Cities” on the northeastern border of Tennessee and home to more than 65,000 citizens. Tennessee’s 9th-most populous spot, Johnson City ranked as the 3th cheapest in our survey of 44 cities in the state. It is home to the East Tennessee State University Buccaneers. The city also has a number of routes known as the “Southern Dozen”, which take motorcycle riders and drivers through winding paths and twisting roads across Tennessee to witness the natural beauty and cultural history the state has to offer.
With so much pavement to cover, and so many destinations to road trip to, motorists in Johnson City will be glad to know that costs here are 10% lower than the state average, making it the third cheapest in Tennessee. It can cost $1,115 a year to protect your car with liability coverage, or $844 a year if you go with one of the cheaper insurers. For affordable auto insurance in Johnson City, start with Nationwide, GEICO or The Cincinnati. Their rates are about 24% lower than the citywide average.
The City of Bartlett sits 13 miles to the northeast of downtown Memphis. Bartlett’s slogan is “A Great Place to Live, Work, Raise a Family and Retire”. The city of Bartlett originated as a way station and a farming community and is today home to 55,000 residents with access to more than 25 parks with tennis courts and trails, as well as the 18-hole Quail Ridge golf course to practice your golf game.
Drivers in Bartlett pay an average $1,508 per year, or about $126 per month. While it is 6% cheaper than Memphis, it is still 22% higher than the state average; it’s the 2nd most expensive city to insure a car in Tennessee. We found low-cost auto insurance quotes in Bartlett at Nationwide, GEICO and The Cincinnati. At these three companies, our survey found average auto insurance costs of $1,068 a year. That’s about 29% lower than the Bartlett average, and 13% lower than the Tennessee average annual premium.
Located in the middle of Tennessee, Brentwood is a suburb of Nashville. Auto insurance rates average $1,163 per year—about 6% lower than the rest of Tennessee. Consumers who want lower rates should consider getting quotes from Westfield, GEICO and The Cincinnati. With average annual premiums of $861 among the three, Brentwood drivers would be saving about 26% compared to the city average.
The ‘Birthplace of Country Music’ and home to a hugely popular NASCAR event at the Bristol Motor Speedway, Bristol is a town of 27,000 residents located in northeast Tennessee. Bristol’s car insurance rates, are the cheapest in all of Tennessee with an average annual rate of $1,096. This is 32% cheaper than the most expensive city in TN and 11% cheaper than the state average. We found the cheapest quotes in Bristol at GEICO, Tennessee Farmers Bureau and The Cincinnati. The mean annual premium at these three companies was $806 per year, 27% cheaper than the average insurer in Bristol.
The larger half of the Kingsport-Bristol metro area, Kingsport was only a few dollars more expensive than its next door neighbor, Bristol. Residents in town can expect a monthly payment of $1,109 annually. At this rate, Kingsport drivers pay 10% less than the average Tennessean, and 31% less than commuters in Memphis. In our comparison analysis, Tennessee Farmers Bureau, The Cincinnati and Westfield had the lowest rates at $816 on average.
Another suburb of Nashville, Gallatin is the employment epicenter for Sumner County with large employers like GAP and ServPro Industries topping the list. Beyond a comfortable and convenient lifestyle, residents of Gallatin should be happy to know that their auto insurance costs are the 6th lowest in the state.
The annual average is $1,169 or $97 a month. If that’s not low enough, frugal drivers should include quotes from Westfield, The Cincinnati and Nationwide in their comparison shopping. The average rate for those companies was $864 for our sample driver, a 26% difference from the city average.
Home to 40,123 Tennesseans, Germantown is located in southeast Shelby County and has the highest per capita income of all municipalities in the County of $49,857.
Germantown is the third most expensive spot for auto insurance in Tennessee with annual rates of $1,471 for our sample driver, or 19% more expensive than the state average. For inexpensive auto insurance in Germantown, check out GEICO, Nationwide and The Cincinnati. Out of the companies we surveyed, these three had rates that were about 28% cheaper than the average insurer in the city at $1,058 on average.
Bordering our 4th place finisher, Germantown, to the east, and the state of Mississippi to the north, Collierville is also a suburb of Memphis with high auto insurance rates relative to the Tennessee state average. Citizens of Collierville are looking at a city average of $1,447, which is 17% higher than the state average. The top results we saw in Collierville were at GEICO, Nationwide and The Cincinnati. Among these three, the mean annual premium was $1,019—30% less than what the typical driver in Collierville would pay.
Eighty miles northeast of downtown Memphis, Dyersburg presents itself as “The Gateway to Everywhere.” A small town of just over 17,000 people, Dyersburg had the 5th highest car insurance premiums in Tennessee at an annual average of $1,315. Drivers here pay 7% more than the average Tennessean, but 18% less than the average Memphis dweller. Cheaper auto insurance alternatives in Dyersburg can be had at Nationwide, The Cincinnati and Westfield for an average of $956 per year. This figure represents savings of $359 compared to the city average.
Cost of Car Insurance in Tennessee in All Cities
Our study looked at 44 Tennessee cities in total, so if you didn’t see your town in the Top or Bottom 5 there’s a good chance you can see where your city stacks up in the chart below. The average cost of car insurance in Tennessee across the entire state was $1,233 per year—that’s based on rates we saw for a single 30 year old male driving a Toyota Camry. Here are the cities in order of cheapest to costliest.
|Rank||City||Average annual insurance rate|
About Our Study
Our sample quotes are for a single thirty year old male driver. In this case, he drives a 2011 Toyota Camry that he bought and mainly uses to commute to and from his place of employment. Coverage is slightly above the state minimum (see table below). The driver has had no at-fault accidents or violations in the last 5 years.
ValuePenguin looked at insurance quotes from 14 top auto insurers that operate throughout Tennessee. We then averaged rates across the auto insurers to come up with a final number for each city. Complaint data and direct premiums underwritten were sourced from the NAIC and the Tennessee Department of Commerce & Insurance.
|Liability Type||Tennessee Minimum||Limits Used in Our Survey|
|Bodily Liability (per person / accident)||$25,000 / $50,000||$50,000 / $100,000|
|Uninsured Motorist||$50,000 / $100,000|
|Collision / Comprehensive deductible||$500|