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Cheap Car Insurance in Tennessee

Because costs for auto protection rise and fall relying on the place you look, evaluating quotes from a number of corporations is one of the simplest ways to seek out low-cost automotive insurance coverage in Tennessee.

To assist you to snag a aggressive deal, NerdWallet sampled charges from 26 insurers in Tennessee and located the most cost effective choices for a number of driver sorts.

Cheapest automotive insurance coverage in Tennessee for 20-year-old drivers

Drivers in their 20s could need to get lots of quotes to seek out low-cost automotive insurance coverage. Prices may be sky-high for youthful 20-somethings, however have a tendency to come back down as drivers get extra expertise on the street. Still, some corporations routinely have higher insurance coverage charges for younger drivers, so it is best to buy round to seek out them.

Cheapest full protection automotive insurance coverage in Tennessee for 20-year-olds

Drivers in Tennessee with clear driving data could need to contemplate the next corporations, which had the bottom common charges:

  1. Travelers: $2,042 per yr.

  2. Tennessee Farm Bureau: $2,105 per yr.

  3. State Farm: $2,492 per yr.

Cheapest minimal protection automotive insurance coverage in Tennessee for 20-year-olds

Drivers in Tennessee who need simply the state minimal protection could need to verify with these corporations, which had the bottom common charges:

  1. Travelers: $613 per yr.

  2. Tennessee Farm Bureau: $634 per yr.

Cheapest auto insurance coverage in Tennessee for 20-year-olds with poor credit score

Drivers with poor credit score in Tennessee ought to take a look at the next insurers with the bottom common charges for minimal protection:

  1. Tennessee Farm Bureau: $732 per yr.

  2. Travelers: $960 per yr.

  3. Allstate: $1,152 per yr.

Cheapest auto insurance coverage in Tennessee for 20-year-old drivers with one at-fault crash

For drivers with a latest accident in Tennessee, listed here are the businesses with the bottom common charges for minimal protection:

  1. Tennessee Farm Bureau: $703 per yr.

  2. Travelers: $797 per yr.

  3. State Farm: $985 per yr.

Cheapest auto insurance coverage in Tennessee for 20-year-old drivers after a DUI

The least expensive auto insurance coverage we discovered after a DUI is proven right here, alongside the insurers’ common charges for minimal protection.

  1. Travelers: $906 per yr.

  2. Progressive: $940 per yr.

  3. Tennessee Farm Bureau: $1,006 per yr.

Cheapest automotive insurance coverage in Tennessee for 30-year-old drivers

By the time they attain their 30s, most drivers will take pleasure in cheaper automotive insurance coverage charges than in their teenagers and 20s. Still, components like an individual’s driving document and automotive make and mannequin can improve costs. Drivers in their 30s can get decrease charges by buying round and profiting from any automotive insurance coverage reductions.

Cheapest full protection automotive insurance coverage in Tennessee for 30-year-olds

Drivers in Tennessee with clear driving data could get the bottom charges from these corporations:

  1. Tennessee Farm Bureau: $1,037 per yr.

  2. State Farm: $1,206 per yr.

  3. Travelers: $1,229 per yr.

Cheapest minimal protection automotive insurance coverage in Tennessee for 30-year-olds

Drivers in Tennessee who need their state’s minimal protection can verify with the next corporations, which had the bottom common charges:

  1. Tennessee Farm Bureau: $285 per yr.

  2. State Farm: $345 per yr.

  3. Travelers: $385 per yr.

Cheapest auto insurance coverage in Tennessee for 30-year-olds with poor credit score

Drivers with poor credit score in Tennessee ought to contemplate the next corporations with the bottom common charges for full protection:

  1. Tennessee Farm Bureau: $1,199 per yr.

  2. Nationwide: $1,826 per yr.

  3. Travelers: $2,222 per yr.

Cheapest auto insurance coverage in Tennessee for 30-year-old drivers with one at-fault crash

For drivers in Tennessee with a latest accident, listed here are the bottom common fee choices for full protection:

  1. Tennessee Farm Bureau: $1,037 per yr.

  2. State Farm: $1,470 per yr.

  3. Travelers: $1,620 per yr.

Cheapest auto insurance coverage in Tennessee for 30-year-old drivers after a DUI

For the most cost effective auto insurance coverage after a DUI, we discovered the next choices for full protection.

  1. Progressive: $1,552 per yr.

  2. Tennessee Farm Bureau: $1,651 per yr.

  3. State Farm: $1,698 per yr.

Cheapest automotive insurance coverage in Tennessee for 40-year-old drivers

Drivers in their 40s are inclined to have higher insurance coverage charges than their youthful counterparts on common, however nonetheless pay greater than older age teams. Shopping round for reasonable automotive insurance coverage quotes with a number of insurers is one of the simplest ways to seek out decrease charges. Good drivers who don’t get behind the wheel usually may need to contemplate pay-per-mile insurance coverage, which fees drivers by what number of miles they drive.

Cheapest full protection automotive insurance coverage in Tennessee for 40-year-olds

Drivers in Tennessee with clear driving data could need to take into consideration the next corporations, which had the bottom common charges:

  1. Tennessee Farm Bureau: $936 per yr.

  2. Travelers: $1,096 per yr.

  3. State Farm: $1,179 per yr.

Cheapest minimal protection automotive insurance coverage in Tennessee for 40-year-olds

Drivers in Tennessee who need simply the minimal protection could need to verify costs from these corporations, which had the bottom common charges:

  1. Tennessee Farm Bureau: $263 per yr.

  2. State Farm: $348 per yr.

  3. Travelers: $355 per yr.

Cheapest auto insurance coverage in Tennessee for 40-year-olds with poor credit score

Drivers with poor credit score in Tennessee can try the next insurers with the bottom common charges for full protection:

  1. Tennessee Farm Bureau: $1,081 per yr.

  2. Nationwide: $1,781 per yr.

  3. Travelers: $1,985 per yr.

Cheapest auto insurance coverage in Tennessee for 40-year-old drivers with one at-fault crash

For drivers with a latest accident dwelling in Tennessee, listed here are the businesses with the bottom common charges for full protection:

  1. Tennessee Farm Bureau: $936 per yr.

  2. State Farm: $1,438 per yr.

  3. Travelers: $1,530 per yr.

Cheapest auto insurance coverage in Tennessee for 40-year-old drivers after a DUI

The least expensive full protection auto insurance coverage we discovered for drivers with a DUI got here from the next corporations.

  1. Progressive: $1,406 per yr.

  2. Tennessee Farm Bureau: $1,488 per yr.

  3. State Farm: $1,661 per yr.

Cheapest automotive insurance coverage in Tennessee for 50-year-old drivers

Drivers in their 50s have cheaper automotive insurance coverage charges than most different age teams on common. Prices will proceed to drop as they inch towards their 60s and achieve extra driving expertise. Rates can nonetheless range relying on different components equivalent to a driver’s gender and site, so it’s sensible to buy round to seek out the very best fee. Our record of the finest low-cost automotive insurance coverage corporations is an efficient place to begin.

Cheapest full protection automotive insurance coverage in Tennessee for 50-year-olds

Drivers in Tennessee with clear driving data could need to get quotes from these insurers, which had the bottom common charges:

  1. Tennessee Farm Bureau: $850 per yr.

  2. Travelers: $1,076 per yr.

  3. Progressive: $1,127 per yr.

Cheapest minimal protection automotive insurance coverage in Tennessee for 50-year-olds

Drivers in Tennessee who go for the state minimal protection could need to contemplate the next corporations, with the bottom common charges:

  1. Tennessee Farm Bureau: $245 per yr.

  2. Safe Auto: $333 per yr.

  3. State Farm: $345 per yr.

Cheapest auto insurance coverage in Tennessee for 50-year-olds with poor credit score

Drivers with poor credit score in Tennessee can verify with the next corporations, which confirmed the bottom common charges for full protection:

  1. Tennessee Farm Bureau: $982 per yr.

  2. Nationwide: $1,658 per yr.

  3. Progressive: $1,836 per yr.

Cheapest auto insurance coverage in Tennessee for 50-year-old drivers with one at-fault crash

For drivers dwelling in Tennessee with a latest accident, listed here are the insurers with the bottom common full protection charges:

  1. Tennessee Farm Bureau: $850 per yr.

  2. State Farm: $1,407 per yr.

  3. Travelers: $1,502 per yr.

Cheapest auto insurance coverage in Tennessee for 50-year-old drivers after a DUI

The least expensive auto insurance coverage we discovered for drivers with a latest DUI comes from the next corporations, listed with charges for full protection.

  1. Progressive: $1,283 per yr.

  2. Tennessee Farm Bureau: $1,351 per yr.

  3. State Farm: $1,627 per yr.

Cheapest automotive insurance coverage in Tennessee for 65-year-old drivers

Although 60-year-olds have cheaper automotive insurance coverage charges than many different age teams on common, costs will begin rising as they grow old. To discover low-cost auto insurance coverage for seniors, drivers in their 60s ought to ensure to buy round to seek out the very best fee. Drivers in this age group must also make the most of any out there reductions for senior residents.

Cheapest full protection automotive insurance coverage in Tennessee for 65-year-olds

Drivers in Tennessee with clear driving data could need to take into consideration getting quotes from these corporations, which had the bottom common charges:

  1. Tennessee Farm Bureau: $814 per yr.

  2. Travelers: $1,052 per yr.

  3. State Farm: $1,079 per yr.

Cheapest minimal protection automotive insurance coverage in Tennessee for 65-year-olds

Drivers in Tennessee who need simply the state minimal protection could need to verify with these insurers, which had the bottom common charges:

  1. Tennessee Farm Bureau: $250 per yr.

  2. State Farm: $327 per yr.

Cheapest auto insurance coverage in Tennessee for 65-year-olds with poor credit score

Drivers with poor credit score in Tennessee can take a look at the next corporations with the bottom common charges for full protection:

  1. Tennessee Farm Bureau: $940 per yr.

  2. Nationwide: $1,609 per yr.

  3. Progressive: $1,807 per yr.

Cheapest auto insurance coverage in Tennessee for 65-year-old drivers with one at-fault crash

For drivers with a latest accident dwelling in Tennessee, listed here are the businesses with the bottom common charges for full protection:

  1. Tennessee Farm Bureau: $814 per yr.

  2. State Farm: $1,321 per yr.

  3. Travelers: $1,566 per yr.

Cheapest auto insurance coverage in Tennessee for 65-year-old drivers after a DUI

The least expensive auto insurance coverage we discovered after a DUI got here from the next corporations, proven with their common charges for full protection.

  1. Tennessee Farm Bureau: $1,294 per yr.

  2. Progressive: $1,360 per yr.

  3. State Farm: $1,530 per yr.

Cheapest automotive insurance coverage for army households in Tennessee

If you are an lively member of the army or a veteran — or have an instantaneous member of the family who’s — likelihood is you may get a comparatively low-cost fee with USAA, an organization that is not out there to most of the people.

Because of that restriction, USAA is not ranked with the others, however it was among the many least expensive 5 auto insurance coverage choices for 23 of the 40 driver profiles we examined.

Minimum required automotive insurance coverage in Tennessee

Tennessee regulation requires legal responsibility insurance coverage for all drivers dwelling in the Volunteer State. If you trigger a crash, this protection kicks in to pay others’ damage remedy and property harm, as much as your restrict.

The state’s minimal legal responsibility limits are:

  • $25,000 bodily damage legal responsibility per particular person.

  • $50,000 bodily damage legal responsibility per accident.

  • $15,000 property harm legal responsibility per accident.

A critical crash may simply consequence in damages that surpass these limits. To keep away from paying out-of-pocket prices, contemplate deciding on greater than the naked minimal. You may also profit from including non-compulsory coverages equivalent to collision, complete and uninsured motorist insurance coverage.

Alternative Tennessee automotive insurance coverage

If you’re denied automotive insurance coverage on the voluntary market as a result of previous violations, crashes, poor credit score or different causes, you’ll be able to apply for protection by way of the Tennessee Automobile Insurance Plan.

Methodology

For our “good driver” profile, NerdWallet averaged insurance coverage estimates from a mean of 14 insurers in every state and Washington, D.C., for single female and male drivers with good credit score and no tickets or violations. The evaluation included 5-10 of the biggest insurance coverage corporations in every state; smaller insurers had been additionally included when charges had been out there. Liberty Mutual and its subsidiaries had been excluded from our evaluation as charges weren’t out there.

For full protection insurance policies, we used the next protection limits:

  • $100,000 bodily damage legal responsibility per particular person.

  • $300,000 bodily damage legal responsibility per accident.

  • $50,000 property harm legal responsibility per accident.

  • $100,000 uninsured motorist protection per particular person.

  • $300,000 uninsured motorist protection per accident.

  • Collision protection with a $1,000 deductible.

  • Comprehensive protection with a $1,000 deductible.

In states the place required, minimal extra coverages had been added. Some insurance policies embrace extra coverages on the insurer’s discretion.

  • We used a 2018 Toyota Camry L for all drivers and assumed 12,000 annual miles pushed.

  • We analyzed charges for drivers 20 to 80 years outdated in five-year increments.

We used the identical assumptions for all different driver profiles, with the next exceptions:

  • For drivers with minimal protection, we adjusted the numbers above to replicate minimal required protection by regulation in the state.

  • We modified the credit score tier from “good” to “poor” as reported to the insurer to see charges for drivers with poor credit score.

  • For drivers with one at-fault crash, we added a single at-fault crash that occurred six months in the past, ensuing in $10,000 in property harm and no bodily damage declare.

  • For drivers with a DUI, we added a single drunken driving violation that occurred six months in the past.

These are charges generated by Quadrant Information Services. Your personal charges can be totally different.

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