Cheapest Car Insurance in Tennessee
Numbers refreshed
Where Tennessee publishes prices, insurers are ranked by cost. You also see ways to cut your own bill.
- $50.average monthly cost for the legal minimum.
- 25/50/25.lowest liability limits.
- 34th of 51.the most expensive state (1st = highest).
Which Tennessee insurers cost the least
Because Tennessee doesn't publish a price comparison of insurers, official figures can't rank every company in the state. At about $50 a month, the lowest-priced legal policy averages $599 a year (NAIC).
Get quotes from at least three insurers using the same limits and deductibles. Prices for one driver often differ greatly between a local agent, a regional company and a direct writer.
Ways to spend less
- Only carry the state minimum if your old car is one you could replace with cash. Dropping the coverage for collisions and for damage not caused by a collision saves $755 a year, using the Tennessee average.
- Increase your deductible; what you save each year often exceeds what one claim would cost you extra.
- Ask for every discount by name, including paying in full, good student, safe-driving apps, multi-car and bundling home and auto.
- Compare prices again at each renewal, because one company's price rise doesn't mean the others rose too.
First written