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Tennessee Minimum Car Insurance Requirements, Best Insurers in the State, & Cost Savings Strategies to Lower Your Premium

Comparing Tennessee car insurance rates has never been any easier. Simply provide your zip code, click your age, if you are currently insured, or if you own a home or not, and you are on your way to lowering your monthly bill.

The best part is there is no obligation to find out how much you save on your monthly auto premium.

Tennessee Minimum Auto Insurance Requirements

CoverageTN Minimum Liability CoverageRecommended Auto Insurance Coverage
Bodily Injury Protection$25,000 / $50,000$100,000 / $300,000
Property Damage$15,000$50,000
Uninsured Motorist Bodily Injury Coverage*$25,000 / $50,000$100,000 / $300,000
Uninsured Motorist Property Damage*$15,000 per accident$50,000 per accident
Comprehensive CoverageOptional$500 - $1,000 deductible
Collision CoverageOptional$500 - $1,000 deductible

*Note: Uninsured Motorist coverages can be rejected in writing.

Bodily Injury Liability

This kind of coverage is meant to cover the hospital costs of the opposing party in an accident. If only the minimum quantity of coverage is purchased, an insurer will pay up to $25,000 for a single person and a sum total of $50,000 for all passengers for a single accident.

Graph cheapest insurers for 25 year old in Tennessee

Property Damage Liability

Property damage is damage to public property like places of business, road signs or guard rails, personal property like somebody’s garage door or their automobile.

If the minimum coverage is purchased the insurance corporation will make allowance for a maximum payout of $15,000 for a single accident.

Best premium options for 30 year old in TN

Cheapest Auto Insurance Companies by Rate & Age

Low-cost insurers for 35 year old in Tennessee

RankTN Auto Insurance CompanyAverage Annual Rate for 25 Y/O DriverAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 35 Y/O DriverAverage Annual Rate for 40 Y/O DriverAverage Annual Rate for 45 Y/O DriverAverage Annual Rate for 55 Y/O Driver
1Utica National$1,367$1,032$867$812$711$661
2GEICO$1,389$1,041$883$814$712$660
3The Cincinnati $1,408$1,044$888$821$701$669
4State Farm$1,421$1,049$890$842$703$689
5Nationwide$1,443$1,052$899$841$700$674
6Westfield$1,465$1,089$900$854$699$654
7Progressive$1,486$1,100$903$897$732$673
8Tennessee Farmers Mutual$1,490$1,112$904$867$744$681
9Allstate$1,500$1,143$909$866$745$699
10Farmers$1,510$1,165$923$865$763$684
11Erie$1,632$1,176$941$867$789$700
12Grange Insurance$1,644$1,203$976$900$781$701
13Penn National$1,687$1,209$989$899$800$709
14Liberty Mutual$1,700$1,210$1,054$899$802$708
15Amica$1,721$1,287$1,067$900$793$699
16Hanover$1,765$1,304$1,088$923$800$704
1721st Century$1,743$1,347$1,132$955$809$707

Comprehensive, Collision, & Uninsured Motorist Coverage

There are other optional insurance you may add to your policy and it is recommended if you have a newer model vehicle or if you have financed your car. Other available insurance cover are comprehensive, collision, uninsured motorist protection, and medical payment coverage.

Lowest quotes for 40 year old driver in TN

Finance / Leased Vehicle – Full Coverage Required

If you have financed or leased your vehicle the bank or lending institution is going to require you to have full coverage for your vehicle. If you let your insurance lapse the bank is going to buy the insurance for you and this can get very expensive.

The cost of the premium could be twice as much then if you would have kept a policy. The bank may not require you to have medical payment cover if you have a health insurance plan from your employer or your own policy.

Cheapest insurance quotes for 45 year old in TN.

However, you may want to consider medical payment coverage since it will cover the cost of your deductible of your health insurance plan and you will not have to pay any out-of-pocket expenses.

Lowest insurers for 55 year old in TN

Best Companies by Consumer Rating, Complaints, & Rate Change over 18 Months

TN Auto Insurance CompanyPremiumsRate Change > 18 Months# of ComplaintsConsumer Rating out of 5 Stars
GEICO$133,080,067+2.3%94.3
Tennessee Farmers$132,644,521+3.0%154.0
State Farm$301,875,321 +2.9%234.4
USAA$144,137,812+2.8%184.4
Progressive$101,273,206+2.6%274.5
Farmers $86,742,542+2.7%73.9
Mercury$84,920,209+2.1%4 4.1
MetLife $81,253,753+2.8%83.9
Amica$60,439,000+3.4%24.1
Nationwide$120,487,874 +3.2%144.4
Liberty Mutual$102,145,829+3.7%164.4
Allstate$94,062,785 +3.1%264.3
21st Century$69,863,887 +3.0%64.2
Travelers$48,504,011 +3.1%74.1
American Family$65,715,256+2.9%94.4

Best Methods to Lower Your Auto Premium Bill

If you are seeking for lower auto insurance rates in Tennessee it is important to learn how to lower the likelihood of being charged more. Here are a few things you can plan or ask about when you are comparing online car insurance quotes.

  • Request a higher deductible. If you increase your deductible from $250 to $1000 you can lower your comprehensive and collision cover by thirty percent or more.

  • Avoid a cross-over in medical coverage. If you have an existing health insurance plan get only the minimum cover you need for medical payments or forgo it altogether. Be sure to ask your health insurance provider if the medical expenses will extend to the passengers in your vehicle if in accident. Often times this is not the case.

  • Purchase a low cost car. It is more expensive to insure a vehicle that is expensive than it does to insure a car that is least costly. If you let go of the $50,000 vehicle and get a $20,000 low profile car then your insurance rates can be reduced by twenty percent or more.

  • Don’t get cover you don’t need. If you have a vehicle that is worth $3,500 you may want to consider dropping comprehensive and collision.

  • Be sure to tell the insurer about the safety features of your vehicle. Something as minor as “automatic seatbelts” could reduce your rates by five percent or more.

  • Drive less or car pool. If you can reduce your mileage by half then you may be able to cut your rates up to $200 off your six month policy. That is $33 dollars a month which doesn’t sound like much, but over three years the amount of savings is $1200.

  • Combine everything with one insurance company. If you have a house, vehicle, boat, trailer, or any other recreational toys then you could reduce your vehicle insurance rates if you buy life, health, homeowners, and car insurance policy from the same company.

  • If you have children that can drive be sure to ask about a good grade discount. And it is cheaper to insure young adult by keeping them on the parent’s policy then having their own.

  • If you haven’t had any traffic or moving violations in the last three years ask your insurer for a discount. If they give you a discount be sure to use the advance comparison tool at the top of the page to see if any other insurance firms may offer you more of a discount. Remember, insurance firms are competing to earn you as a customer.

  • If you have a credit card call them and see if they have roadside assistance. If so, then you can forgo this cover on your insurance policy.

Average Car Insurance Rate by City

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Bartlett$1,24358,622Hendersonville$1,24157,050Morristown $1,28529,663
Chattanooga$1,198177,571Jackson$1,09667,005Mount Juliet$1,34133,263
Collierville $1,21149,177Johnson City$1,16566,667Murfreesboro$1,410131,947
Clarksville$1,209150,287Kingsport $1,19352,806Nashville$1,482660,388
Columbia$1,05437,540Knoxville$1,465186,239Oak Ridge$1,21729,350
Cookeville$1,09232,622La Vergne$1,46535,071Shelbyville$1,28621,432
Elizabethton$1,15021,302Lebanon$1,31931,317Smyrna$1,36148,596
Franklin$1,16874,794Maryville $1,30128,703Spring Hill $1,37137,711
Gallatin$1,18335,734Memphis$1,511652,717Tullahoma$1,28419,273

Memphis, TN

Cheapest auto premium rates for Memphis, TN

Memphis is the second largest city in the state with nearly 650,000 residents. It was incorporated as a city in 1826. Today, Memphis is a growing city with several major company headquarters, including FedEx, AutoZone and International Paper. The many FedEx packages passing through makes Memphis International Airport the world’s busiest cargo airport.

Known as the birthplace of the Blues and home of Elvis Presley, Memphis is one of America’s top cities for tourism. Nightlife revolves around its downtown music scene. World famous Beale Street is loaded with clubs and cafes.

Finding inexpensive car insurance is fairly easy if you start by getting quotes from GEICO, The Cincinnati, and Tennessee Farmers Mutual. Each at $1,087, $1,100 and $1,154 respectfully for a 30 year old driver. This is 22% to 29% lower than the average rate of over $1,500 per year for the same aged driver.

For a 45 year old driver we found all of the insurers under the $900 mark illustrated in the graph. Each of the quotes for both the 30 and 45 year old driver do not include discounts. If you have a good driving record you may find rates lower than illustrated in the graph or table.

TN Auto Insurance CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
GEICO$1,087$823
The Cincinnati $1,100$834
Tennessee Farmers Mutual$1,154$865
Westfield$1,187$897
Utica National$1,230$900
State Farm$1,267$907
Nationwide$1,328$987
Progressive$1,376$989

Nashville, TN

Lowest premium rates for drivers in Nashville, TN

Nashville, known as Music City USA, is the largest city in the state with nearly 700,000 residents. The city has architectural attractions like The Parthenon, a full scale replica of the Greek temple and the only one in the world. 

Today, Nashville is still the center of country music and its growing economy attracts tourists, outdoor enthusiasts, and visitors from all over the world. Sports are huge in Nashville and it hosts three professional sports teams, the NHL Nashville Predators, the NFL Tennessee Titans, and the NWF Nashville Dream.

Getting cheaper rates is possible for residents of Nashville if you know where to get quotes from. Our top picks are The Cincinnati at $890, Utica at $902, and Tennessee Farmers Mutual at $913 for a 30 year old driver. Which is over 33% lower than the average rate of $1,465 per year.

For a 45 yea old driver we found all three previously mentioned, plus Westfield, all under the $800 mark. Out of the 8 companies we queried the most expensive insurer was Progressive at $1,121 for a 30 year old driver and $902 for a 45 year old. About 20% and 27% lower than the citywide average.

Nashville CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
The Cincinnati $890$723
Utica National$902$749
Tennessee Farmers Mutual$913$773
Westfield$956$789
Nationwide$1,032$803
GEICO$1,054$843
State Farm$1,093$869
Progressive$1,121$902

Knoxville, TN

Inexpensive premium options for Knoxville drivers.

Knoxville is the third largest city in the state with nearly 200,000 residents. Knoxville provides a massive assortment of arts and cultural offerings and some of the more notable include, East Tennessee Discovery Center, East Tennessee History Center, Emporium Center for Arts & Culture, and the Farragut Folklife Museum. Knoxville is known for breathtaking fall and spring views and moderate climate during each of the four seasons.

The average rate in the city of Knoxville is $1,465. We found 8 insurers which offer quotes at 20% lower than the citywide average. The lowest is Utica at $876, then The Cincinnati at $888, and Tennessee Farmers Mutual at $902 for a 30 year old driver. Westfield and Nationwide at $948 and $986 are 25% lower than the “mean’ rate.

A 45 year old driver can quotes 37% lower than the average rate with the same insurance firms. Utica, Tennessee Farmers Mutual, and The Cincinnati clustered at the $720 to $740 range. About 50% lower than the overall average rate.

Knoxville CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Utica National$876$721
The Cincinnati $888$725
Tennessee Farmers Mutual$902$736
Westfield$948$758
Nationwide$986$785
GEICO$1,028$804
State Farm$1,065$816
Progressive$1,096$847

Chattanooga, TN

Chattanooga premium rate options for drivers

Chattanooga is located in southeast Tennessee on the border with Georgia. The first inhabitants of the Chattanooga area were Native American Indians. Chattanooga’s first European visitors were from Spanish expeditions lead by Hernando DeSoto. Chattanooga was established as Ross’s Landing in 1816 by John Ross, Chief of the Cherokee Indians. 

Today, the city is a center for arts, culture, and entertainment. Some of the more notable cultural attractions include, Chattanooga Zoo at Warner Park, Creative Discovery Museum, Choral Arts of Chattanooga,Houston Museum of Decorative Arts, and the Hunter Museum of Art.

In our queries for auto insurance quotes we found the cheapest in Chattanooga are Utica at $865, The Cincinnati at $879, and Tennessee Farmers Mutual at $900 for a 30 year old driver. Westfield and Nationwide are just a few dollars higher at $904 and $916 respectfully.

A 45 year old driver can find all 5 insurers illustrated in the graph less than $800 per year for full coverage. Utica and The Cincinnati being the cheapest at $721 and $725 respectfully.

Chattanooga CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
Utica National$865$743
The Cincinnati $879$744
Tennessee Farmers Mutual$900$765
Westfield$904$789
Nationwide$916$804
GEICO$984$812
State Farm$1,005$816
Progressive$1,062$832

Clarksville, TN

Lowest premiums choices for Clarksville, TN drivers.

Founded in 1784, Clarksville was named for Revolutionary War hero General George Rogers Clark. It was incorporated as a city in 1855. Today it is the 5th largest city with over 150,000 residents. 

Located in historic downtown Clarksville is the Customs House Museum and Cultural Center, one of Tennessee’s largest general museums. The Don F. Pratt Memorial Museum, located at Fort Campbell, traces the history of the famed 101st Airborne Division’s Screaming Eagles from World War II to the present day. Other neat attractions include, Cumberland RiverWalk, Wilma Rudolph Statue, and the Smith-Trahern Mansion.

The average insurance rate in Clarksville, TN is over $1,200. We found 8 insurers which at least 20% lower than the “mean” rate. The cheapest are The Cincinnati at $902, Utica at $904, and Tennessee Farmers Mutual at $917. About 25% lower for all three compared to the citywide average.

For a 45 year old driver out top three lowest insurers are the same – The Cincinnati, Utica, and Tennessee Farmers Mutual. The highest we found (which is still 20% lower than average) is Progressive at $1,039 for a 30 year old and $854 for a 45 year old.

Clarksville CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
The Cincinnati $902$745
Utica National$904$776
Tennessee Farmers Mutual$917$783
Westfield$945$802
Nationwide$987$814
GEICO$998$822
State Farm$1,010$834
Progressive$1,039$854

Murfreesboro, TN

Murfreesboro, TN cheapest providers for 30 and 45 year old drivers.

Murfreesboro is home to Middle Tennessee State University. With more than 130,000 residents it is the 6th largest city in the state. Known for the Avenue of Murfreesboro, a prominent shopping location which gathers locals during all seasons of the year. Other notable attractions include, Cannonsburgh Village, Stones River National Battlefield, and the Oaklands Historic House Museum.

The average insurance rate is over $1,400 in Murfreesboro. As illustrated, we found 5 insurers clustering between the $800 to $900 range or about 42% to 34% lower than the “mean” rate for a 30 year old. The cheapest are The Cincinnati at $801 and Utica at $834 for full coverage.  

A 45 year old driver can find the lowest quotes from The Cincinnati at $623, Utica at $641, Tennessee Farmers Mutual at $657, and Westfield at $687.

Murfreesboro CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
The Cincinnati $801$623
Utica National$834$641
Tennessee Farmers Mutual$841$657
Westfield$865$687
Nationwide$902$700
GEICO$932$710
State Farm$943$739
Progressive$1,004$761

Jackson, TN

Affordable premium rates for drivers in Jackson, TN

Jackson was originally known as Alexandria. It was first settled in the early 19th century. In 1822, the city was renamed Jackson after Andrew Jackson, the 7th President of the United States. Jackson is home to Cypress Grove Park. A visit to the Casey Jones Home & Railroad Museum, the Pinson Mounds State Archaeological Area and the Britton Lane Battlefield may prove interesting to those hoping to learn more about the region’s history.

Other notable attractions include, Casey Jones Home & Railroad Museum, Cypress Grove Nature Park, and the Pinson Mounds State Archaeological Area.

Jackson, TN probably has the cheapest rates in the state. We found 3 insurers cheaper than the average rate of $1,096. The Cincinnati at $1,032, Utica at 1,045, and Tennessee Farmers Mutual at $1,068. About 5% lower than the citywide average for a 30 year old driver.

A 45 year old driver can find quotes less than $900 with the same three insurance firms including Westfield.

Jackson CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
The Cincinnati $1,032$821
Utica National$1,045$845
Tennessee Farmers Mutual$1,068$842
Westfield$1,125$865
Nationwide$1,154$903
GEICO$1,178$942
State Farm$1,256$989
Progressive$1,254$1,043

Franklin, TN

Franklin, TN affordable premium choices for drivers.

The city of Franklin was founded in 1799 and was named in honor of Benjamin Franklin. The city was one of the wealthiest in the state leading up to the mid 19th century, its economy was shattered due to the Civil War and it took over 100 years to regain the pre-war prosperity.

Today, the Boiler Room Theatre and Maggie’s Bark Park are popular local recreational spots. Other neat attractions include, Pinkerton Park, Blackhorse Park at Fieldstone Farms, Carter House, Kenny Perry’s Country Creek Golf Course, and the Franklin Civil War Museum.

Residents of Franklin can find cheaper auto insurance by getting quotes from The Cincinnati, Tennessee Farmers Mutual, and Utica. Each at $921, $943, and $956 respectfully for a 30 year old. Which is over 22% lower than the citywide “mean” rate of $1,168.

For a 45 year old we found 3 insurers under the $800 mark for full coverage. And 5 clustering between $800 and $895. More than 28% lower than the city average. It would be wise for a 45 year old to get quotes from all insurance companies for the lowest rate and maximum savings.

Franklin CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
The Cincinnati $921$783
Tennessee Farmers Mutual$943$790
Utica National$956$785
Westfield$978$800
Nationwide$1,052$812
GEICO$1,056$827
State Farm$1,098$873
Progressive$1,100$895

Johnson City, TN

Johnson City, TN affordable premium choices for drivers.

During the 1920s Johnson City was called “Little Chicago” due to being involved with bootlegging activities in the Appalachian Mountains. Citizens claim that Al Capone utilized the town as a distribution center for illegal alcohol. Residents also claim he resided part-time in a nearby luxury apartment complex. Notable museums include, Jonesborough History Museum, Rocky Mount Living Museum, and the B. Carroll Reece Museum.

Find inexpensive insurance is pretty easy if you get quotes from The Cincinnati at $832, Tennessee Farmers Mutual at $856, and GEICO at $890. This over 20% lower than the city average of $1,165 for a 30 year old. A 45 year old in Johnson city can find quotes below the $700 mark with the same three insurers including Utica National at $687.

Johnson City CompanyAverage Annual Rate for 30 Y/O DriverAverage Annual Rate for 45 Y/O Driver
The Cincinnati $832$632
Tennessee Farmers Mutual$856$654
GEICO$890$651
Utica National$932$687
Westfield$971$700
Nationwide$987$732
State Farm$1,054$754
Progressive$1,073$789

Resources & DMV Information

Department of InsuranceDepartment of TransportationDepartment of Motor Vehicles
500 James Robertson Pkwy, Nashville, TN 37243
(615) 741-6382
2099 Fayetteville Hwy, Belfast, TN 37019
(931) 276-2219
2211 U.S. 45 Bypass, Trenton, TN 38382
(731) 855-7826
WebsiteWebsiteWebsite

Final Thoughts

At Autoinsuresavings we are helping drivers save money on car insurance every day simply by using the comparison tool at the top of the page. It takes less than a couple of minutes to compare quotes from insurance companies in your area.

Sources

https://www.tn.gov/safety/article/frlawindex

https://www.tn.gov/revenue/article/drive-insured-tn-why-you-must-have-auto-insurance

https://www.allstate.com/auto-insurance/tennessee-auto-insurance-coverages.aspx

https://www.nationwide.com/tennessee-auto-insurance.jsp

https://www.esurance.com

Greg Fowler
I love to network, travel, and spend time with my children. When I am not doing that I am working on AutoInsureSavings or other websites. If I am working, the best way to reach me is via my Google+ Profile.

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