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Tennessee Cheapest Car Insurance, Minimum Requirements & Cost Saving Strategies to Lower Your Premium

Here you are going to find insurers with the cheapest auto insurance in Tennessee.

Overall and depending on your age, cost-effective choices are with Utica National, Tennessee Farmers Mutual, and The Cincinnati.

When I queried for quotes each carrier is over 26% lower than drivers with the same policy.

Other carriers you would want to put on your list to get quotes are Nationwide and Westfield.

Each of them are 18% to 22% lower than average.

Depending on the city you reside, two additional carriers worth getting quotes from are Tennessee Farmers Mutual and Progressive.

I have more details below. 

In this article I am going to cover Tennessee minimum insurance requirements, cost-saving strategies, and who has the cheapest car insurance by age.

If you would like to skip to a certain portion of the article, there is a table of contents for your convenience. 

Tennessee Minimum Auto Insurance Requirements

CoverageTennessee Minimum Liability CoverageRecommended 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 coverage is meant to cover the hospital costs of the opposing party in an accident.

If only the minimum liability 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.

Cheapest insurers for 25 year old in Tennessee from Utica National, GEICO, The Cincinnati, and Westfield. Note: For a 25-year-old driver the lowest price insurers on average are Utica National at $1,367, GEICO at $1,389, and The Cincinnati at $1,408 per year. Westfield is competitive with quotes queried at $1,465.

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.

Cheapest car insurance in Tennessee by price for a 30-year-old driver.Note: Quotes for a 30-year old are nearly 30% cheaper than average. The lowest are Utica National at $1,032, GEICO at $1,041, and The Cincinnati at $1,044. Westfield jumped a couple of percentage points with a quote at $1,089.

Cheapest Auto Insurance Companies by Rate & Age

Below are 16 cheapest insurers for drivers from 25 to 55 years of age.

Depending on your driving history the least expensive quotes are with Utica National, GEICO, and The Cincinnati.

Each insurer is from 26% to nearly 40% lower than the median rate for drivers of similar age and profile.

Throughout the age spectrum both Utica National and The Cincinnati are competitive.

For senior drivers, when I queried for quotes, GEICO was able to provide the lowest quotes.

Other insurers you want to put on your bucket list for savings are Nationwide and Westfield.

Each insurer is able to provide quotes at least 18% cheaper than the median quote for similar age drivers.

At times, and location dependent, Westfield or Nationwide are able to provide quotes as competitive as Utica National or GEICO.

Tennessee Farmers Mutual is another company to get quotes from to find savings.

There is a caveat.

Farmers Mutual requires a $25 annual fee.

However, if you conduct a study of the savings you will find the nominal fee may be worth the cost.

With 7 of the lowest price insurers from the list below you have blend of national and local companies to find the most savings while maintaining coverage.

Tennessee Company25 Y/O Driver30 Y/O Driver35 Y/O Driver40 Y/O Driver45 Y/O Driver55 Y/O Driver
Utica National$1,367$1,032$867$812$711$661
GEICO$1,389$1,041$883$814$712$660
The Cincinnati $1,408$1,044$888$821$701$669
Nationwide$1,443$1,052$899$841$700$674
Westfield$1,465$1,089$900$854$699$654
Progressive$1,486$1,100$903$897$732$673
Tennessee Farmers Mutual$1,490$1,112$904$867$744$681
Allstate$1,500$1,143$909$866$745$699
Farmers$1,510$1,165$923$865$763$684
Erie$1,632$1,176$941$867$789$700
Grange$1,644$1,203$976$900$781$701
Penn National$1,687$1,209$989$899$800$709
Liberty Mutual$1,700$1,210$1,054$899$802$708
Amica$1,721$1,287$1,067$900$793$699
Hanover$1,765$1,304$1,088$923$800$704
21st Century$1,743$1,347$1,132$955$809$707
Low-cost insurers for 35 year old in TennesseeNote. For a 35-year old the least expensive quotes are with Utica National, GEICO, and The Cincinnati. I queried each at $867, $883, and $888 respectfully per year for full coverage. All three carriers are over 21% lower than the median quotes for drivers with a similar profile. Westfield offers slightly higher rates at $900.

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 coverage options are comprehensive, collision, uninsured motorist protection, and medical payments.

Lowest quotes for 40 year old driver in TNNote: A 40-year-old driver can find quotes clustering from $812 to $854. Utica National and GEICO are the least expensive with prices at $812 and $814 respectfully. The Cincinnati offers very competitive quotes at $821. Westfield are less than 5% higher with quotes at $842 and $854 respectfully.

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 coverage lapse the bank is going to buy the policy 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 coverage if you have a health insurance plan from your employer or your own policy.

Cheapest car insurance quotes for 45 year old in TN.Note: A 45-year old can find rates clustering around $700. The cheaper options are with Westfield and The Cincinnati. I queried each at $701 and $703 respectfully per year. Or approximately 28% lower than the median rate for drivers with a similar profile.

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

Lowest insurers for 55 year old in TN from Westfield, Utica National, GEICO, and State Farm. Note: A 55-year-old driver can find the least expensive quotes with Westfield, GEICO, and Utica National. I queried each at $654, $660, and $661. Which is 25% lower than the median rate for drivers of similar age. The Cincinnati jumped over 7% with quotes at $669 and $689 respectfully.

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

Below is a list of 15 insurers in Tennessee by written premiums, rate change over 12 to 18 months, complaints, and consumer rating.

Local companies such as Utica National and Westfield, and are not included since all data was not available at the time.

The rate change over a 12 to 18 month period average from 2.1% to 3.7% depending on the carrier.

Each may or may not raise your premium.

It depends on determining factors conducted by insurers.

If you get a traffic violation your rate can spike significantly such as 20% to 30% or more.

The amount of complaints is included which coincides with the amount of written premiums.

For example, if a carrier has a low amount of written premiums and a high number of complaints this would throw up a flag.

This is not the case for any of the insurers below.

Including Utica National and Westfield.

Though they are not within the list.

The consumer ratings is data compiled for reputable online sources to get an average.

Any other data is from the Insurance Information Institute (III.org), JD Power & Associates, and AM Best.

Tennessee CompanyPremiumsRate Change # of ComplaintsConsumer Rating out of 5 Stars
GEICO$133,080,067+2.3%94.3
Tennessee Farmers$132,644,521+3.0%154.0
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 coverage by thirty percent or more.

  • Avoid a cross-over in medical coverage. If you have an existing health insurance plan, get only the minimum coverage you need for medical payments or forgo it altogether.

  • Purchase a low-cost car. It is more expensive to insure a vehicle that is expensive than it does to insure a car which costs less.

  • 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. 

  • 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.

  • 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 a 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. 

  • Have a credit card call them and see if they have roadside assistance. If so, you can forgo the coverage on your policy.

Average Car Insurance Rate by City

Below are 27 mid-size cities in Tennessee with the average premium cost.

Location is a primary determining factor when insurers give you a premium price.

One of the reasons why you may have either a spike or lowering in rates when you move to a new location with the same vehicle.

The average premium is from $1,092 to $1,482.

Which is nearly a 40% variance from location to location.

If your quotes are significantly higher than those listed below you may either be a young driver (under the age of 25), poor credit, or your driving history may have violations.

This is something you can ask the insurer when you get a quote.

If you would like a detailed comparison of quotes by large cities in Tennessee please read further below.

CityAverage RatePopulationCityAverage RatePopulationCityAverage RatePopulation
Antioch$1,24386,261Greeneville$1,24115,061Morristown $1,28529,663
Athens$1,19813,748Humboldt$1,0968,235Mount Juliet$1,34133,263
Collierville $1,21149,177Johnson City$1,16566,667Munford$1,4106,057
Collinwood$1,209965Jonesborough$1,1935,333Nolensville$1,4827,580
Columbia$1,05437,540Kingston$1,465186,239Oneida$1,2173,722
Cookeville$1,09232,622La Vergne$1,46535,071Shelbyville$1,28621,432
Elizabethton$1,15021,302Lebanon$1,31931,317Smyrna$1,36148,596
Fayetteville$1,1687,051Maryville $1,30128,703Sneedville$1,3711,347
Gallatin$1,18335,734McEwen$1,5111,716Tullahoma$1,28419,273

Memphis, TN

Cheapest auto insurance rates for drivers in Memphis, TNFinding inexpensive car insurance in Memphis is fairly easy if you start by getting quotes from GEICO, The Cincinnati, and Tennessee Farmers Mutual.

I queried each at $1,087, $1,100 and $1,154 respectfully for a 30-year-old driver in Memphis.

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 I 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.

Memphis Company30 Y/O Driver45 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
Nationwide$1,328$987
Progressive$1,376$989

Nashville, TN

Least expensive car insurance for drivers in Nashville, TN by Price.Getting cheaper car insurance rates is possible for residents of Nashville if you know where to get quotes from.

I queried 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-year-old driver we found all three previously mentioned, plus Westfield, all under the $800 mark.

Out of the 8 companies I 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 Company30 Y/O Driver45 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
Progressive$1,121$902

Knoxville, TN

Inexpensive auto insurance by price for Knoxville, TN drivers.The average rate in the city of Knoxville is $1,465.

I found 8 insurers which offer quotes at 20% lower than the citywide average.

The lowest is Utica at $876, 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 Company30 Y/O Driver45 Y/O Driver
Utica National$876$721
The Cincinnati $888$725
Tennessee Farmers Mutual$902$736
Westfield$948$758
Nationwide$986$785
Progressive$1,096$847

Chattanooga, TN

Chattanooga premium rate options for driversIn my queries for the cheapest car insurance quotes, I found the lowest 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 Company30 Y/O Driver45 Y/O Driver
Utica National$865$743
The Cincinnati $879$744
Tennessee Farmers Mutual$900$765
Westfield$904$789
Nationwide$916$804
Progressive$1,062$832

Clarksville, TN

Cheapest car insurance by price for drivers in Clarksville, Tennessee from Utica, Tennessee Farmers Mutual, and Westfield.The average insurance rate in Clarksville, TN is over $1,200.

I 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 the three lowest insurers are the same – The Cincinnati, Utica, and Tennessee Farmers Mutual.

The highest I 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 Company30 Y/O Driver45 Y/O Driver
The Cincinnati $902$745
Utica National$904$776
Tennessee Farmers Mutual$917$783
Westfield$945$802
Nationwide$987$814
Progressive$1,039$854

Murfreesboro, TN

Murfreesboro, TN cheapest auto insurance providers for 30 and 45 year old drivers.The average insurance rate is over $1,400 in Murfreesboro.

As illustrated, I found 5 insurers clustering between the $800 to $900 range or about 34% to 42% 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 Company30 Y/O Driver45 Y/O Driver
The Cincinnati $801$623
Utica National$834$641
Tennessee Farmers Mutual$841$657
Westfield$865$687
Nationwide$902$700
Progressive$1,004$761

Jackson, TN

Affordable premium rates for drivers in Jackson, TN

Jackson, TN probably has the cheapest car insurance rates in the state.

I 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 Company30 Y/O Driver45 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
Progressive$1,254$1,043

Franklin, TN

Franklin, TN affordable premium choices for drivers.Residents of Franklin can find cheaper auto insurance by getting quotes from The Cincinnati, Tennessee Farmers Mutual, and Utica.

I queried 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 I 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.

Franklin Company30 Y/O Driver45 Y/O Driver
The Cincinnati $921$783
Tennessee Farmers Mutual$943$790
Utica National$956$785
Westfield$978$800
Nationwide$1,052$812
Progressive$1,100$895

Johnson City, TN

Johnson City, TN affordable auto insurance by price for drivers from Utica, Westfield, and Tennessee Farmers Mutual. Find inexpensive insurance in Johnson City 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.

Westfield is offering competitive prices with quotes at $700 per year for full coverage.

Other carriers you may want to put on your list of quotes are Nationwide and Progressive.

Both are competitive with quotes at $732 and $754 respectfully. 

Johnson City Company30 Y/O Driver45 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
Progressive$1,073$789

Hendersonville, TN

Hendersonville low-cost premium choices from The Cincinnati, Utica National, Westfield, & Nationwide for all drivers.Drivers in Hendersonville can find the cheapest auto insurance premiums with The Cincinnati, Utica National, and Tennessee Farmers Mutual.

I queried each at $840, $879, and $902 per year for a 30-year-old driver.

Which is 33% to 37% lower than the median rate for similar age drivers.

Westfield and Nationwide are worth getting quotes from.

With competitive prices queried at $936 and $980 respectfully.

For a 45-year old the least expensive quotes are with The Cincinnati, Utica National, and Farmers Mutual.

I queried each at $619, $630, and $667 respectfully per year for full coverage.

The Cincinnati is 32% lower than the median quote.

While Utica National and Farmers Mutual are approximately 27% to 30% lower than the “mean” rate for drivers of similar age and profile.

Both Westfield and Nationwide are extremely competitive with low quotes at $703 and $740 respectfully.

Hendersonville Company30 Y/O Driver45 Y/O Driver
The Cincinnati $840$619
Utica National$879$630
Tennessee Farmers Mutual$902$667
Westfield$936$703
Nationwide$980$740
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
Sources

https://www.tn.gov/news

https://www.tn.gov/commerce/news/2017

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

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

https://www.esurance.com

https://www.westfieldinsurance.com/

http://www.uticanational.com/

The Cincinnati

Greg Fowler

Greg Fowler

Managing Member of AutoInsureSavings LLC, Greg has been in the insurance industry for 12 years and enjoys rebuilding vehicles. His goal is to help drivers save on anything related to automobiles. Travel and enjoying the outdoors are some of his hobbies. The best way to reach him is at his Twitter or Facebook Profile.

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