Car Insurance in Tennessee (2026)
Tennessee drivers pay an average of $2,190 per year for full-coverage car insurance. The state requires minimum liability coverage of 25/50/15 (bodily injury per person/per accident/property damage in thousands). Key factors affecting rates in Tennessee include nashville/memphis metro growth and severe storms. Comparing quotes from multiple carriers is the best way to find affordable coverage in Tennessee, as rates can vary significantly between providers for the same driver profile and coverage level.
$2,190
$183/mo
25/50/15
BI per person/accident/PD
-5%
Below average
State Farm
Most popular in state
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Top Car Insurance Companies in Tennessee
Tennessee Minimum Coverage Requirements
Tennessee requires minimum liability coverage of 25/50/15.
Important: State minimums are the legal floor, not the recommended coverage level. Most financial experts recommend at least 100/300/100 for adequate protection.
Factors Affecting Rates in Tennessee
Tennessee Car Insurance FAQ
Disclaimer: The information on this page is for general informational purposes only and does not constitute insurance advice. Average premium data is sourced from the Insurance Information Institute and publicly available state data (2024-2025). Actual rates vary significantly based on your specific driving record, age, vehicle, location, coverage selections, and other factors. Always verify coverage requirements with the Tennessee Department of Insurance and get personalized quotes from carriers.