Full Coverage Car Insurance in Tennessee
Numbers refreshed
The Tennessee averages set the price for all three parts: liability, collision and non-collision damage or theft cover.
- Full coverage averages $113 a month.
- Minimum liability limits are 25/50/25.
- The 34th most expensive of 51 states (1st = highest).
Tennessee prices for full coverage
Full coverage adds collision and non-collision damage cover to liability. Those two parts run $755 a year in Tennessee, added to the $599 average for liability.
| 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).
The point where full coverage stops being worth its cost
If you still owe money on the car, lenders and lease companies require full coverage.
After the car is paid off, weigh what it is worth against $755 a year for the extra cover. If a bad premium year would pay for most of the car, going with liability only usually makes more sense.
Tennessee full coverage, car by car
Based on IIHS-HLDI loss results, these estimates are for an adult with a clean record. Of the 40 models we price, these are the cheapest and the dearest:
| Car | Per year | Per month |
|---|---|---|
| Honda CR-V | $876 | $73 |
| Honda Pilot | $878 | $73 |
| Subaru Outback | $940 | $78 |
| Toyota RAV4 | $1,013 | $84 |
| Mercedes-Benz C-Class | $1,865 | $155 |
| Chevrolet Camaro | $2,176 | $181 |
| Dodge Charger | $2,395 | $200 |
| Dodge Challenger | $2,532 | $211 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF); IIHS-HLDI, Insurance losses by make and model, 2022-24 models (page table; values via the page's own API).
Learn more about car insurance in Tennessee
First written