Finance & accounting · Ranked by price to features
10 Best Car Insurance in Tennessee of 2026
By the Rankozo research desk · Updated November 11, 2026 · Next review December 26, 2026
Tennessee Farm Bureau Insurance is the best car insurance company in Tennessee for most drivers in 2026 because it insures more homes and cars than any other insurer in the state and sells through more than 500 agents in over 200 local offices; State Farm suits families with drivers under 25, and Progressive suits online shoppers, with a liability-only average of $112.80 a month in Tennessee in 2025. The lowest price an insurer publishes for its own Tennessee policies here is Lemonade's estimate of roughly $728 to $768 a year.
- Tools ranked
- 10
- With free plan
- 0
- Cheapest paid plan
- Lemonade Car, $61
- per month, low end of Lemonade's Tennessee estimate ($728 a year)
By the numbers
- $81,905US households (consumer units) spent an average of $81,905 in 2025, up 4.3 percent from 2024.U.S. Bureau of Labor Statistics
- $27,790US households spent an average of $27,790 on housing in 2025, 33.9 percent of total spending.U.S. Bureau of Labor Statistics
- 3.7%US consumer prices rose 3.7 percent in the 12 months to September 2026, before seasonal adjustment.U.S. Bureau of Labor Statistics
- 63%63 percent of US adults said in 2025 that they would cover a $400 emergency expense with cash or its equivalent, unchanged from 2024.Federal Reserve Board
- 47%Only 47 percent of Americans said they had enough savings or access to funds to cover a $1,000 emergency expense in Bankrate's 2026 survey.Bankrate
- 3.8%The US personal saving rate, personal saving as a share of disposable income, was 3.8 percent in September 2026, according to the Bureau of Economic Analysis.U.S. Bureau of Economic Analysis
Comparison table
| Tool | |||||
|---|---|---|---|---|---|
| Tennessee Farm Bureau Insurance | 01 | 8.8 | 9.3 | Check price | No |
| Progressive | 02 | 8.7 | 8.3 | $112.80per month, Tennessee average liability-only policy (2025) | No |
| State Farm | 03 | 8.7 | 8.5 | Check price | No |
| AARP Auto Insurance from The Hartford | 04 | 8.5 | 8.7 | $106per month, Tennessee customer average | No |
| USAA | 05 | 8.5 | 8.4 | $181per month, Tennessee member average (2025) | No |
| Lemonade Car | 06 | 8.2 | 8.2 | $61per month, low end of Lemonade's Tennessee estimate ($728 a year) | No |
| Liberty Mutual | 07 | 8.2 | 7.9 | Customper month, Tennessee average full coverage | No |
| Allstate | 08 | 8.0 | 7.5 | Check price | No |
| Root | 09 | 7.9 | 7.9 | Customper year, Tennessee average full coverage | No |
| Acceptance Insurance | 10 | 7.5 | 7.9 | Customper month, Tennessee average minimum liability | No |
Click a column to sort. Prices are the cheapest paid plan quoted from each vendor's US pricing page; "Check price" means the US price check is pending.
How this ranking works
One method for every tool. We compared documented features and published prices; we did not run hands-on tests. Value carries the most weight.
Full methodThis list is for Tennessee drivers comparing insurers on local rates, claims service and coverage options, from Memphis and Nashville to Knoxville, Chattanooga and the rural counties. We compared documented features, discounts, claims access and published prices on each insurer's own pages in November 2026. Rankozo weights value at 40%, features at 35% and ease of use at 25%. Tennessee is an at-fault state with minimum liability limits of $25,000 per person, $50,000 per accident and $25,000 for property damage, and policies include uninsured motorist coverage unless you reject it in writing. Most insurers do not publish a personal price, so we quote the Tennessee figures that Progressive, The Hartford, USAA, Lemonade, Liberty Mutual, Root and Acceptance publish and mark the rest as pending. Several are customer or market averages rather than offers, and we say which. Erie, GEICO, Nationwide and Farmers pages did not load for us from our location, so they are left out.
The verdict
Tennessee Farm Bureau Insurance is the first quote to get in Tennessee: it insures more cars than any other company in the state, has more than 500 agents in over 200 offices, and J.D. Power has recognized it several times for customer satisfaction in the Southeast. State Farm is the best second call for households with young drivers thanks to Steer Clear and Drive Safe & Save. Progressive is the easiest benchmark for online buyers, and AARP members should add The Hartford, whose Tennessee customers average about $106 a month. Military families should quote USAA, safe low-mileage drivers should try Lemonade, Liberty Mutual and Allstate suit drivers who want an agent or a driving app, Root suits app-first drivers with clean records, and Acceptance covers drivers who need an SR-22.
- 01Top value
Tennessee Farm Bureau Insurance
8.8/10Tennessee Farmers Mutual Insurance Company, founded in 1948 and sold through Tennessee Farm Bureau offices across the state.
- Free plan
- No
- Value (40%)
- 9.3
- Features (35%)
- 8.6
- Ease of use (25%)
- 8.2
Best forTennessee drivers who want a local agent in their own county and the insurer that covers more cars in the state than any other.
Tennessee Farm Bureau Insurance is the brand of Tennessee Farmers Mutual Insurance Company, which the Tennessee Farm Bureau Federation founded in 1948 to give rural families affordable property and casualty cover. The federation says the group now insures more homes and cars than any other insurer in Tennessee and has been recognized by J.D. Power several times as highest in customer satisfaction among auto insurers in the Southeast. Scale on the ground is the main reason it ranks first: more than 500 full-time agents work out of more than 200 Farm Bureau offices, and every one of the 95 counties has a county Farm Bureau. That means a driver in Union City or Mountain City can buy, change and claim through someone nearby. The home office sits in Columbia, and the group also writes home and life policies, so households can keep everything with one agent. The weak spots are transparency and reach. It publishes no Tennessee rate, its insurance site refused our checks, and the policy does not travel if you leave the state.
- ✓The largest local agent network of any insurer on this list
- ✓Home office in Columbia and staff based in Tennessee
- ✓Strong customer satisfaction record in the Southeast region
- ✕No published Tennessee price, so you need an agent quote
- ✕Its insurance website blocked our requests, so we relied on the Tennessee Farm Bureau Federation's pages
- ✕Coverage is limited to Tennessee, so it does not follow you if you move
- Insurer founded:
- 1948 (Tennessee Farmers Mutual)
- Agents:
- More than 500 full-time
- Offices:
- More than 200 statewide
- County Farm Bureaus:
- All 95 counties
Bottom line: Tennessee Farm Bureau Insurance is the first quote to get for most Tennessee drivers, especially outside the big metros. Its agent network and market share give it the best value and the most local service here.
- 02
Progressive
8.7/10Direct and agent-sold insurer with online quotes, rate comparison tools and a published Tennessee average.
Price
$112.80per month, Tennessee average liability-only policy (2025)
Progressive's Tennessee liability-only policies averaged $112.80 a month in 2025
“Car insurance costs an average of $112.80 per month in Tennessee for a liability-only policy from Progressive in 2025.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 8.3
- Features (35%)
- 8.8
- Ease of use (25%)
- 9.0
Best forOnline shoppers who want to compare rates and build a policy around a budget.
Progressive is the easiest benchmark for Tennessee drivers who shop online. Its Tennessee page states that a liability-only policy averaged $112.80 a month in 2025, based on one car and one driver, which gives you a concrete yardstick before you quote. AutoQuote Explorer then lines up your Progressive price against rates from other insurers, so you can see the market without filling in several forms. Tennessee drivers can earn discounts for going paperless, paying by automatic transfer and starting a quote online, plus savings for bundling, insuring more than one car, keeping continuous insurance and staying accident free for five years. You can buy online, by phone or through an independent agent. The catch is that the published figure is for liability-only cover, so a full coverage policy with collision and comprehensive will cost more, and its claims service is national rather than built around Tennessee offices.
- ✓Publishes its own Tennessee average price
- ✓Comparison tool shows rival rates next to yours
- ✓Three ways to buy, including independent agents
- ✕Its published average is for liability-only cover, not full coverage
- ✕Snapshot pricing depends on sharing driving data
- ✕No dedicated local claims office network like Farm Bureau
- Tennessee average:
- $112.80 a month, liability-only, 2025
- Ways to buy:
- Online, phone, independent agent
- Rate comparison:
- AutoQuote Explorer
- Phone:
- 1-855-347-3939
Bottom line: Progressive is the best fit for Tennessee drivers who want to buy online and compare prices in one place. Its published Tennessee average makes it an honest starting benchmark.
- 03
State Farm
8.7/10Insurer of cars since 1922, selling through more than 19,000 local agents with telematics and young-driver programs.
- Free plan
- No
- Value (40%)
- 8.5
- Features (35%)
- 8.9
- Ease of use (25%)
- 8.7
Best forFamilies with teen or young adult drivers who want a neighborhood agent.
State Farm has insured cars since 1922 and says it has more than 19,000 auto agents across the country, which in Tennessee means there is usually an office in your town. Its two strongest money savers suit families. Drive Safe & Save tracks driving habits and can cut premiums by up to 30%, and Steer Clear offers as much as 20% to drivers under 25 with no at-fault accidents or moving violations in the past three years. Bundling with renters or home insurance adds more, and State Farm says customers who bundle auto and renters save up to $900 on average. Claims can be filed online, in the app or by phone, and the company cites USA Today's America's Best Customer Service 2026 recognition. The drawbacks are the lack of a published Tennessee price and the fact that discount sizes vary by state, so you need an agent to confirm what applies.
- ✓Two programs that cut premiums for safe and young drivers
- ✓Large agent network in Tennessee cities and towns
- ✓Named in USA Today's America's Best Customer Service 2026
- ✕No Tennessee price published on its site
- ✕Discount sizes vary by state and need an agent to confirm
- ✕Fewer online-only tools than direct writers
- Insuring cars since:
- 1922
- Agents:
- More than 19,000 nationwide
- Telematics:
- Drive Safe & Save, up to 30%
- Young driver program:
- Steer Clear, up to 20%
Bottom line: State Farm is the best second quote for Tennessee households with drivers under 25. Its local agents and two driving programs make it strong on features and service.
- 04
AARP Auto Insurance from The Hartford
8.5/10Car insurance for AARP members and their families, sold by The Hartford in Tennessee since 1984.
Price
$106per month, Tennessee customer average
The Hartford's Tennessee customers pay an average of about $106 a month
“Our customers in Tennessee pay an average of about $106 a month for car insurance.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 8.7
- Features (35%)
- 8.5
- Ease of use (25%)
- 8.3
Best forAARP members aged 50 and over who want strong policy benefits and a published Tennessee average.
The AARP Auto Insurance Program from The Hartford has covered Tennessee AARP members since 1984, and its Tennessee page says customers in the state pay about $106 a month, or $1,274 a year. That is the lowest average an insurer here publishes for its own customers. The program adds benefits other insurers often charge extra for: new car replacement, accident forgiveness and a disappearing deductible, plus 24/7 claim service, roadside assistance and transportation expense cover. Tennessee drivers can save by paying in full or completing a defensive driving course, and bundling auto and home can cut up to 12% from the auto premium. You need to be an AARP member, so it suits drivers 50 and over and their households. One caution: the page still lists a $15,000 property damage minimum, while Tennessee's current minimum is $25,000, as other insurers' pages show, so buy at least 25/50/25.
- ✓Published Tennessee customer average of about $106 a month
- ✓Policy perks that most insurers sell as add-ons
- ✓Insuring Tennessee AARP members since 1984
- ✕Requires AARP membership
- ✕Built around drivers aged 50 and over
- ✕Its Tennessee page lists an outdated $15,000 property damage minimum
- Tennessee customer average:
- About $106 a month ($1,274 a year)
- In Tennessee since:
- 1984
- Bundle saving:
- Up to 12% on auto
- Claims:
- 24/7
Bottom line: The Hartford is the top choice for AARP members in Tennessee, with the lowest published customer average here. Its built-in benefits add value that cheaper policies lack.
- 05
USAA
8.5/10Insurer for military members, veterans and their families, with telematics discounts and a published Tennessee average.
Price
$181per month, Tennessee member average (2025)
USAA's Tennessee members paid $181 a month on average in 2025
“Tennessee members paid $181 per month on average in 2025” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 8.4
- Features (35%)
- 8.7
- Ease of use (25%)
- 8.4
Best forService members, veterans and their families stationed or living in Tennessee.
USAA serves active-duty military, National Guard and Reserve members, honorably discharged veterans and their families, and it sells auto policies in Tennessee. Its Tennessee page says members paid $181 a month on average in 2025. That is above the other insurer averages here, but those figures cover different drivers and coverage, so a quote is the only fair comparison. The discount set suits military life. SafePilot gives up to 15% off for enrolling and up to 30% at renewal for safe driving, and SafePilot Miles is aimed at people who live on base or are about to deploy. Bundling auto and property saves up to 10%, multi-vehicle savings apply automatically, and newer vehicles may earn a discount. Policy changes and claims run through the USAA Mobile App around the clock. The limits are eligibility and the lack of local offices.
- ✓Discounts built for military life, including low-mileage options
- ✓Published Tennessee member average
- ✓Rental reimbursement and roadside assistance options
- ✕Only military members, veterans and their families can join
- ✕Published average of $181 a month is higher than other insurers' figures here
- ✕No local agent offices
- Tennessee member average:
- $181 a month, 2025
- Telematics:
- SafePilot, up to 30% at renewal
- Bundle saving:
- Up to 10%
- Eligibility:
- Military, veterans and families
Bottom line: USAA is the first quote for eligible military families in Tennessee. Its SafePilot and low-mileage options are built for service life.
- 06
Lemonade Car
8.2/10App-first car insurance that prices safe driving and publishes estimated Tennessee premiums by city.
Price
$61per month, low end of Lemonade's Tennessee estimate ($728 a year)
Lemonade estimates its Tennessee car insurance at roughly $728 to $768 a year, about $61 a month at the low end
“The average estimated cost of Lemonade car insurance in Tennessee ranges from roughly $728 to $768 per year*” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 8.2
- Features (35%)
- 7.6
- Ease of use (25%)
- 8.9
Best forSafe, low-mileage Tennessee drivers who want to quote, manage and claim in an app.
Lemonade Car sells in Tennessee and publishes the most specific price estimate on this list: roughly $728 to $768 a year for its own policies, with Memphis and Knoxville base premiums estimated at $60 to $69 a month and Nashville and Chattanooga at $70 to $79. Lemonade says the product suits safe, low-mileage drivers, and pricing reflects how smoothly you brake, turn and keep to speed. Tennessee drivers get free roadside assistance if location services are on in the app, and optional temporary transportation pays for rideshares, transit or a rental for up to 30 days during repairs. Hybrid and EV owners get a discount, and you can bundle with Lemonade renters, home, pet or life cover. Claims are filed in the app. The trade-off is service style: there are no agents, and drivers with long commutes or a less tidy record will likely do better with a traditional insurer.
- ✓Lowest own-policy price estimate published here
- ✓Claims filed in minutes in the app
- ✓Free roadside assistance in Tennessee
- ✕No local agents
- ✕Built mainly for safe, low-mileage drivers
- ✕Estimates are base premiums and your quote may differ
- Tennessee estimate:
- $728 to $768 a year
- Roadside assistance:
- Free in Tennessee via the app
- Temporary transportation:
- Up to 30 days
- Cities listed:
- Nashville, Memphis, Knoxville, Chattanooga and more
Bottom line: Lemonade is the low-cost pick for careful, app-comfortable Tennessee drivers. Heavy commuters and drivers who want an agent should look higher on the list.
- 07
Liberty Mutual
8.2/10National insurer selling online and through agents, with a safe-driver app and a published Tennessee market average.
Price
Customper month, Tennessee average full coverage
Liberty Mutual's Tennessee page puts the state average for full coverage at about $132 a month as of November 2026; its own prices are quote-only
“The average cost of “full” coverage car insurance in Tennessee is about $132 per month, or $1,584 per year.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 7.9
- Features (35%)
- 8.4
- Ease of use (25%)
- 8.2
Best forDrivers who want to buy online and save with a driving app.
Liberty Mutual's Tennessee page is useful even before you quote: it puts the average cost of full coverage in the state at about $132 a month, or $1,584 a year, as of November 2026. That figure describes the Tennessee market, not Liberty Mutual's own customers, so treat it as a yardstick. The company's savings center on RightTrack, a driving program that can cut up to 30%, plus an online purchase discount and bundling. You can buy online, call, or use a local agent, and a 24/7 roadside assistance line is part of the service. The page also explains Tennessee's Electronic Insurance Verification System, which flags lapsed cover by email, a helpful reminder for drivers who switch insurers. The weaker points are price transparency for its own policies and savings claims that rest on national comparisons rather than Tennessee data.
- ✓Publishes a current Tennessee full coverage average
- ✓Discount for buying online
- ✓Agent and online buying both available
- ✕Its own Tennessee price is quote-only
- ✕The average it publishes covers the market, not its customers
- ✕Savings claims on its page are national comparisons
- Tennessee full coverage average:
- About $132 a month (November 2026)
- Telematics:
- RightTrack, up to 30%
- Roadside:
- 24/7 line
- Ways to buy:
- Online, phone, agent
Bottom line: Liberty Mutual suits Tennessee drivers who want online buying with a telematics discount. Use its published state average to judge any quote you get.
- 08
Allstate
8.0/10National insurer sold through local agents, by phone and online, with the Drivewise driving program.
- Free plan
- No
- Value (40%)
- 7.5
- Features (35%)
- 8.3
- Ease of use (25%)
- 8.3
Best forDrivers who want a local agent plus a broad discount menu and 24/7 phone help.
Allstate gives Tennessee drivers three ways to buy: an online quote that updates as you change coverage, licensed phone representatives available 24/7, and local agents. Its discount list is long. Students can save with good grades or by attending school more than 100 miles from where the car is kept, cars with anti-theft devices or anti-lock brakes can qualify, and paying in full or bundling home and auto lowers the premium further. Drivewise sets a rate based on your driving, though Allstate notes that in some states high-risk driving can raise rates. It also writes cover for electric cars, teen drivers, rideshare work and classic cars. Allstate says customers who switched saved $900 on average, a national figure. It does not publish a Tennessee price, so we score its value conservatively and suggest comparing it with Farm Bureau and State Farm quotes.
- ✓Buy online, by phone around the clock or through a local agent
- ✓Long list of discounts
- ✓Special coverage for rideshare and EV drivers
- ✕No Tennessee price published
- ✕In some states Drivewise data can raise rates for high-risk driving
- ✕Value score trails insurers with published Tennessee figures
- Telematics:
- Drivewise
- Phone:
- 866-340-2084, 24/7
- Special coverage:
- EV, teen, rideshare, classic
- Ways to buy:
- Online, phone, agent
Bottom line: Allstate is a solid agent-backed option with a wide discount menu. Without a published Tennessee price, it is best used as a third or fourth quote.
- 09
Root
7.9/10App-based insurer that prices good drivers lower and publishes a Tennessee market average.
Price
Customper year, Tennessee average full coverage
Root's Tennessee page puts the average full coverage cost at $2,235 a year; its own prices are quote-only
“The average Tennessee driver pays $2,235 per year for full coverage car insurance” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 7.9
- Features (35%)
- 7.4
- Ease of use (25%)
- 8.7
Best forGood drivers who want a fast app quote and to manage everything on a phone.
Root sells car insurance in Tennessee through its app and says it rewards good drivers with lower rates. Quotes take less than five minutes, and claims can be filed in as little as three minutes. Tennessee policies can include liability, collision, comprehensive, MedPay and uninsured motorist cover, with optional rental and roadside assistance, and you can change coverage at any time in the app. Root's Tennessee page says the average driver pays $2,235 a year for full coverage, which is well above Liberty Mutual's figure of about $1,584 and Acceptance's estimate of about $1,430, a reminder that state averages depend on who measures them. Root says switchers could save up to $1,300 a year, but that is a maximum, not a typical result. There are no agents and no published Root price, so it suits confident, clean-record drivers more than anyone who wants help choosing limits.
- ✓Fast app quote and claim filing
- ✓Pricing aimed at good drivers
- ✓Full set of standard coverages in Tennessee
- ✕Its own Tennessee price is quote-only
- ✕Its published average is much higher than other insurers' figures, which shows how sources differ
- ✕No local agents
- Tennessee full coverage average:
- $2,235 a year
- Quote time:
- Less than 5 minutes
- Claim filing:
- As little as 3 minutes
- Possible switching saving:
- Up to $1,300 a year
Bottom line: Root is a quick app quote for clean-record Tennessee drivers. Shoppers who want advice or a published price should start elsewhere.
- 10
Acceptance Insurance
7.5/10Budget-focused insurer with retail offices that sells minimum liability and SR-22 filings.
Price
Customper month, Tennessee average minimum liability
Acceptance's Tennessee page estimates minimum liability at about $31 a month on average; its own prices are quote-only
“Minimum liability insurance in Tennessee costs about $31 per month on average.” Quoted from the pricing page, November 11, 2026.
- Free plan
- No
- Value (40%)
- 7.9
- Features (35%)
- 6.9
- Ease of use (25%)
- 7.6
Best forDrivers who need minimum liability on a tight budget or an SR-22 filing.
Acceptance Insurance focuses on budget cover and drivers other insurers may turn away, including those who need an SR-22 filing to reinstate a license. Its Tennessee page estimates that minimum liability costs about $31 a month on average and full coverage about $1,430 a year, against about $2,014 nationwide, and it lists city averages such as $117 a month for full coverage and $33 for liability only in Nashville. Those figures describe the Tennessee market, not Acceptance's own rates, so you still need a quote. You can start online, call 877-405-7102 or visit an office in person, and Acceptance sells add-ons such as roadside assistance and windshield repair plans. Its coverage menu is thinner than the national carriers and it lacks perks like accident forgiveness on its Tennessee page, which is why it sits last on features. For drivers with a license suspension or a tight budget, it is still worth a call.
- ✓Helps drivers who need an SR-22
- ✓Walk-in offices for in-person service
- ✓Clear published city-level price estimates
- ✕Its averages describe the market, not its own customers
- ✕Fewer coverage perks than the national carriers
- ✕Lowest features score on the list
- Tennessee minimum liability average:
- About $31 a month
- Tennessee full coverage average:
- About $1,430 a year
- SR-22:
- Yes
- Phone:
- 877-405-7102
Bottom line: Acceptance is the fallback for Tennessee drivers who need an SR-22 or bare-minimum liability. Most other drivers will get more cover for similar money higher up the list.
What to check before you pay
Buy more than 25/50/25
Tennessee requires $25,000 per person and $50,000 per accident for bodily injury plus $25,000 for property damage. A serious crash on I-40 or I-24 can exceed those limits, and lenders require collision and comprehensive on financed or leased cars. Quote every insurer at the same limits and deductibles so the prices compare.
Think twice before rejecting uninsured motorist cover
Tennessee policies generally include uninsured motorist coverage at the same limits as your bodily injury liability unless you reject it in writing, according to Progressive and USAA. The Hartford cites an Insurance Research Council estimate that 23.7% of Tennessee drivers were uninsured, so keeping this coverage is cheap protection.
Know that Tennessee checks your insurance electronically
The state's Electronic Insurance Verification System matches insurance records against registrations, and Liberty Mutual notes that drivers who cannot show proof can face registration suspension and reinstatement fees. When you switch insurers, start the new policy before the old one ends so there is no gap.
Use published Tennessee prices as yardsticks
Progressive's liability-only policies averaged $112.80 a month in Tennessee in 2025, The Hartford's customers average about $106 a month, and USAA members averaged $181 a month. For the whole market, Liberty Mutual puts full coverage at about $132 a month, while Root says $2,235 a year, so averages vary widely by source. If a full coverage quote lands far above these figures, keep shopping.
Stack the discounts that fit your household
Telematics programs offer the largest savings: State Farm Drive Safe & Save and USAA SafePilot up to 30%, Liberty Mutual RightTrack up to 30%. Families with drivers under 25 should ask State Farm about Steer Clear, and homeowners should compare bundle offers such as The Hartford's up to 12% off auto in Tennessee.
FAQ
Which car insurance company is best in Tennessee?
Tennessee Farm Bureau Insurance is the best car insurance company for most Tennessee drivers in 2026 because it insures more homes and cars than any other insurer in the state and has more than 500 agents in over 200 offices. State Farm is the best alternative for families with drivers under 25, and Progressive is the best fit for drivers who want to buy online.
What is the cheapest car insurance in Tennessee?
Among prices insurers publish for their own Tennessee policies, Lemonade's estimate of roughly $728 to $768 a year is the lowest, followed by The Hartford's customer average of about $106 a month for AARP members. For bare-minimum liability, Acceptance estimates the Tennessee market average at about $31 a month. Your own price depends on your record, car and ZIP code.
What is the minimum car insurance required in Tennessee?
Tennessee requires bodily injury liability of $25,000 per person and $50,000 per accident, plus $25,000 of property damage liability, often written as 25/50/25. Policies also include uninsured motorist coverage at matching limits unless you reject it in writing.
How much is car insurance in Tennessee per month?
It depends on the source and coverage. Liberty Mutual puts the state's full coverage average at about $132 a month as of November 2026, Progressive's liability-only policies averaged $112.80 a month in 2025, and USAA members averaged $181 a month in 2025.
Is Tennessee a no-fault state?
No. Tennessee is an at-fault state, so the driver who causes a crash is responsible for the injuries and damage, and Tennessee does not require personal injury protection. That makes liability limits above the 25/50/25 minimum and uninsured motorist coverage worth considering.
Questions or corrections: editorial@rankozo.comSee our disclosure. Prices change; confirm on the vendor page before buying.
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