Average Car Insurance Cost in Tennessee
Numbers refreshed
NAIC averages for Tennessee broken down by coverage, plus the national rank.
- $1,354.the yearly average for full coverage.
- 25/50/25.the lowest liability limits.
- 34th of 51.the most expensive state (1st = highest).
Cost averages in Tennessee by coverage
In Tennessee, full coverage runs $1,354 a year on average. The US average comes to $1,613 a year, so this one sits 16% lower.
Average spending per insured car rose from $1,049 in 2023 to $1,165 in 2024, an increase of 11.2%.
| Coverage in Tennessee | Per year | Per month |
|---|---|---|
| Liability | $599 | $50 |
| Collision | $483 | $40 |
| Comprehensive | $272 | $23 |
| Full coverage (all three) | $1,354 | $113 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
How Tennessee compares with similar states
| State | Rank | Full coverage a year | A month |
|---|---|---|---|
| Minnesota | 31st | $1,373 | $114 |
| West Virginia | 32nd | $1,367 | $114 |
| Virginia | 33rd | $1,358 | $113 |
| Tennessee | 34th | $1,354 | $113 |
| Nebraska | 35th | $1,345 | $112 |
| Kentucky | 36th | $1,337 | $111 |
| Montana | 37th | $1,322 | $110 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
A figure just for you
Averages blend all ages and records. The Tennessee calculator adjusts for yours.
Learn more about car insurance in Tennessee
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