Sorted by starting price

4 Cheapest Car Insurance in Tennessee of 2026

By the Rankozo research desk · Updated November 11, 2026

Among the 10 tools in our best car insurance in tennessee ranking, Lemonade Car has the lowest verified paid starting price at $61 per month, low end of Lemonade's Tennessee estimate ($728 a year). Prices below are quoted from each vendor's US pricing page.

1. 01

   Lemonade Car

   Safe, low-mileage Tennessee drivers who want to quote, manage and claim in an app.

   Lemonade estimates its Tennessee car insurance at roughly $728 to $768 a year, about $61 a month at the low end

   Full entry, No. 6 overall

   Starts at

   $61

   Score 8.2

2. 02

   AARP Auto Insurance from The Hartford

   AARP members aged 50 and over who want strong policy benefits and a published Tennessee average.

   The Hartford's Tennessee customers pay an average of about $106 a month

   Full entry, No. 4 overall

   Starts at

   $106

   Score 8.5

3. 03

   Progressive

   Online shoppers who want to compare rates and build a policy around a budget.

   Progressive's Tennessee liability-only policies averaged $112.80 a month in 2025

   Full entry, No. 2 overall

   Starts at

   $112.80

   Score 8.7

4. 04

   USAA

   Service members, veterans and their families stationed or living in Tennessee.

   USAA's Tennessee members paid $181 a month on average in 2025

   Full entry, No. 5 overall

   Starts at

   $181

   Score 8.5

Scores and prices come from our Best Car Insurance in Tennessee ranking, which uses one method for every tool. Questions or corrections: editorial@rankozo.com