Best Tennessee Auto Insurance in 2024 (Find the Top 10 Companies Here!)

Top Pick for Tennessee: State Farm

17,759 reviews

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4.3

Company Facts

Full Coverage for Tennessee

$72/mo

A.M. Best Rating

B

Complaint Level

Low

Pros & Cons

• One of the largest insurance companies in the US
• High levels of customer satisfaction
• Affordable rates for people with a speeding ticket or an accident on their record
• Wide variety of discounts available
• Rideshare insurance

• High rates for drivers with poor credit scores
• No gap coverage
• Options like new vehicle replacement, vanishing deductibles, and accident forgiveness are not available

» State Farm Auto Insurance Review

17,759 reviews

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Best for Military Focus in TN: USAA

6,435 reviews

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4.7

Company Facts

Full Coverage for Tennessee

$58/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Offers multiple products including financial services and banking
• High customer satisfaction and financial ratings
• Rates are lower than average
• Coverage is available in all 50 states
• Easy-to-use mobile app

• Coverage isn’t available to everyone
• DUIs drastically increase rates
• SafePilot isn’t available in every state
• Customer complaints are higher than competitors

» USAA Auto Insurance Review

6,435 reviews

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Best Discount in TN: Nationwide

3,019 reviews

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4.0

Company Facts

Full Coverage for Tennessee

$118/mo

A.M. Best Rating

A+

Complaint Level

Low

Pros & Cons

• Great rates for teen drivers
• Great rates for people with bad credit
• Usage-based savings options
• A+ ratings with A.M. Best and the BBB
• Discounts options
• Various coverages
• Excellent customer service options
• Excellent claims handling
• Many options for bundling services
• Good rates when adding a teen driver to a policy
• A pay-per-mile insurance option
• Coverage in 46 states
• Customizable policies

• Pricey policies
• Low customer satisfaction with the claims process
• No option for rideshare coverage
• High premiums for individuals with a DUI
• High premiums for individuals with accidents on their record
• Low overall customer satisfaction ratings

» Nationwide Auto Insurance Review

3,019 reviews

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State Farm, USAA, and Nationwide emerge as the top choices for best Tennessee auto insurance, offering up to 27% discounts. State Farm particularly stands out for its competitive rates and comprehensive coverage options, making it the preferred pick for drivers seeking both affordability and reliability in their insurance plans.

In Tennessee, comparing rates helps residents save. Expect about $45 monthly for minimum liability. Explore how the best auto insurance companies vary by city, driving record, and coverage for the cheapest options tailored to you.

Our Top 10 Company Picks: Best Tennessee Auto Insurance

Company	Rank	Multi-Policy Discount	A.M. Best	Best For	Jump to Pros/Cons
	#1	25%	B	Local Presence	State Farm
	#2	23%	A++	Military Focus	USAA
	#3	26%	A+	Bundling Discount	Nationwide
	#4	20%	A+	Competitive Rates	Progressive
	#5	27%	A++	Vanishing Deductible	Geico
	#6	21%	A	Flexible Policies	Liberty Mutual
	#7	20%	A+	Discount Variety	Allstate
	#8	18%	A	Customizable Coverage	Farmers
	#9	15%	A	Member Benefits	American Family
	#10	10%	A++	Broad Coverage	Travelers

If you’re just looking for coverage to drive legally, enter your ZIP code above to compare cheap auto insurance quotes near you.

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#1 – State Farm: Top Overall Pick

Pros

• Wide Network: State Farm has an extensive network of agents, making it easy for customers to find local, personalized service.
• Competitive Rates for Full Coverage: Offers some of the lowest rates for comprehensive and collision insurance in Tennessee.
• Discount Variety: Offers a variety of discounts, including for safe driving and bundling policies, which can help customers save significantly on their premiums. Check out our State Farm auto insurance review for more information.

Cons

• Higher Rates for Minimum Liability: Generally has higher premiums for minimum coverage compared to competitors.
• Limited Discounts: Fewer discount options available compared to some other major insurers.

#2 – USAA: Best for Military Focus

Pros

• Best for Military Families: Exclusive to military members and their families, offering tailored services and discounts.
• Excellent Customer Service: Consistently high customer satisfaction ratings.
• Affordable Rates for Young Drivers: As outlined in USAA auto insurance review, they offer competitive premiums for young and inexperienced drivers.

Cons

• Restricted Eligibility: Only available to military personnel and their families, excluding the general public.
• High Rates Post-DUI: Tends to have higher premiums for drivers with DUI records.

#3 – Nationwide: Best for Bundling Discount

Pros

• Variety of Coverage Options: Offers a broad range of insurance products and coverage options.
• Strong Financial Rating: Holds a high financial stability rating, ensuring reliability.
• Good Discounts: Offers numerous discounts, including multi-policy and safe driver discounts.

Cons

• Average Rates: Not the cheapest option available; rates are typically average compared to competitors.
• Customer Service: Mixed reviews on customer service and claims handling. For more information, read our Nationwide auto insurance review.

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#4 – Progressive: Best for Competitive Rates

Pros

• Comprehensive Coverage Options: Progressive auto insurance review highlights the wide variety of coverage choices, including unique options like pet injury coverage.
• Competitive Rates for Full Coverage: Often offers competitive pricing for comprehensive and collision insurance.
• Strong Online Presence: User-friendly website and mobile app for managing policies and claims.

Cons

• High Rates for Young Drivers: Typically charges higher premiums for young and inexperienced drivers.
• Customer Satisfaction: Mixed reviews on customer service and claims resolution.

#5 – Geico: Best for Vanishing Deductible

Pros

• Affordable Rates: Known for low premiums, especially for minimum liability coverage.
• Good for Bad Credit: Offers competitive rates for drivers with poor credit scores.
• Strong Digital Tools: Excellent online and mobile app services for policy management.

Cons

• High Rates Post-DUI: As mentioned in our Geico auto insurance review, they tend to charge higher premiums for drivers with DUI records.
• Limited Agent Network: Fewer local agents available compared to some competitors.

#6 – Liberty Mutual: Best for Flexible Policies

Pros

• Comprehensive Coverage Options: Offers a wide range of insurance products and coverage options.
• Good for Bundling: As mentioned in our Liberty Mutual auto insurance review, they offer discounts available for bundling multiple policies.
• Strong Financial Stability: Holds a solid financial rating, ensuring reliability.

Cons

• Higher Rates for Full Coverage: Typically charges higher premiums for comprehensive and collision insurance.
• Mixed Customer Reviews: Inconsistent feedback on customer service and claims handling.

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#7 – Allstate: Best for Discount Variety

Pros

• Strong Financial Health: Excellent financial stability rating from A.M. Best. Learn more about their ratings in our Allstate auto insurance review.
• Good Customer Service: Generally positive reviews for customer support and claims processing.
• Wide Range of Discounts: Offers numerous discounts, including safe driver and multi-policy discounts.

Cons

• High Rates for Bad Credit: Charges significantly higher premiums for drivers with poor credit scores.
• Expensive for Young Drivers: Often has higher rates for young and inexperienced drivers.

#8 – Farmers: Best for Customizable Coverage

Pros

• Good for High-Risk Drivers: Offers competitive rates for drivers with DUIs or at-fault accidents.
• Excellent Customer Service: Generally high ratings for customer support and claims handling.
• Variety of Coverage Options: Provides a broad range of insurance products and coverage options.

Cons

• Higher Rates for Basic Coverage: Charges more for minimum liability insurance compared to some competitors.
• Average Financial Stability: While stable, its financial rating is not as high as some top competitors. Check out this page Farmers auto insurance review to know more details.

#9 – American Family: Best for Member Benefits

Pros

• Strong Customer Service: Positive reviews for customer support and claims processing.
• Good Discounts: Offers a variety of discounts, including multi-policy and safe driver discounts.
• Customizable Policies: Provides options for tailoring coverage to meet individual needs.

Cons

• Limited Availability: As mentioned in our American Family auto insurance review, they are not available in all states, restricting its accessibility.
• Higher Rates for High-Risk Drivers: Charges more for drivers with poor records, such as DUIs.

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#10 – Travelers: Best for Broad Coverage

Pros

• Good for High-Risk Drivers: Competitive rates for high-risk drivers, including those with DUIs.
• Wide Range of Discounts: As outlined in our Travelers auto insurance review, they offer multiple discounts, such as multi-policy and safe driver discounts.
• Strong Financial Rating: High financial stability rating, ensuring reliability.

Cons

• Average Customer Satisfaction: Mixed reviews on customer service and claims handling.
• Higher Rates for Full Coverage: Typically charges more for comprehensive and collision insurance.

Finding Affordable Tennessee Auto Insurance 

A company that your friend recommends as being affordable for Tennessee car insurance may not actually be affordable for you, as rates vary drastically from driver to driver. While To help you get an idea of what companies may be a good fit for you price-wise, we’ve broken down company rates by different driver categories. 

Tennessee Minimum and Full Coverage Auto Insurance Rates

Those looking to save on insurance for older cars that aren’t worth much may consider just carrying the minimum of insurance required in Tennessee. While Full coverage auto insurance costs more but offers better financial protection than just liability insurance. Rates generally range in price by a few hundred dollars between the cheapest and most expensive companies.

Tennessee Auto Insurance Monthly Rates by Coverage Level & Provider

State Farm is one of the cheapest companies on average for full coverage insurance in Tennessee, with Geico coming in a close second. If you want to lower your auto insurance, you may want to get car insurance quotes in TN from the cheaper companies on the list above.

How Accidents Affect Tennessee Auto Insurance Rates

At-fault accidents negatively affect your rates, even if you pick a cheaper company. However, you can try to lower the increased amount you have to pay by switching companies if you find your rates become too high.

Tennessee Auto Insurance Monthly Rates by Provider: One Accident vs. Clean Record

State Farm and USAA once again remain some of the cheapest companies if you have an at-fault accident on your record, costing significantly less than other companies. 

How DUIs Affect Tennessee Auto Insurance Rates

DUIs are another driving offense that drastically affects how much you pay for car insurance. However, how much you pay in rates after a DUI depends upon your choice of company. 

Tennessee Full Coverage Auto Insurance Monthly Rates by Driving Record & Provider

While Farmers is one of the more expensive companies for basic liability insurance, it is one of the cheapest providers of auto insurance for drivers with a DUI. In contrast, Geico and USAA are some of the more expensive companies after a DUI offense, even though they are generally cheaper for basic policies. 

Insights Into the Cost of Auto Insurance in Your City

Credit Score and Tennessee Auto Insurance

Bad credit scores negatively affect drivers’ insurance rates if their insurance company uses credit scores as a rating factor. This is because drivers with bad credit scores are more likely to miss payments and end up driving illegally without insurance. 

Tennessee Full Coverage Auto Insurance Monthly Rates by Credit Score & Provider

State Farm and Allstate are some of the worst companies to pick if you have a bad credit score, costing thousands of dollars more on average. On the other hand, companies like Geico and USAA are some of the best auto insurance companies for bad credit.

Tennessee Auto Insurance Rates for Young Drivers

Young drivers are often charged the highest insurance rates due to their inexperience on the road. This leads to many people asking how to find cheap car insurance for young drivers.

If you're shopping🛒 for auto insurance for the first time, the options may seem overwhelming😮…and expensive. Before stressing, check out https://t.co/27f1xf131D, where you can find a simple explanation of coverages and companies. Here's a guide👉: https://t.co/9zx25ZU4fU pic.twitter.com/BkD3lvaThA

— AutoInsurance.org (@AutoInsurance) August 11, 2023

While the cheapest option is to join a parent’s policy, young drivers shopping for their own insurance policy will notice huge discrepancies in rates between companies.

Tennessee Teen Full Coverage Auto Insurance Monthly Rates by Provider

Young drivers should avoid Progressive and Allstate, where average rates are well over $5,000 per year. Instead, they should shop at cheaper companies like USAA and Geico. 

Tennessee Auto Insurance Rates by City

The area where your vehicle is parked every night has a huge impact on your rates. From crime to weather conditions, where you live affects your odds of filing a claim.

Memphis and Nashville have some of the most expensive insurance rates on average. If you live in one of Tennessee’s major cities, make sure to shop around to ensure you’re getting the best rates possible. For example, researching Memphis auto insurance from multiple local companies will let you see which one can save you the most money. 

Tennessee Auto Insurance Laws 

A state’s laws can affect how much you pay for auto insurance and make it harder to find the cheapest car insurance, as certain states may require you to carry more insurance coverage or have stricter financial penalties for DUIs. We’ve outlined some of the major laws that affect car insurance prices in Tennessee below. 

Tennessee Auto Insurance Requirements

All Tennessee drivers must purchase bodily injury liability insurance and property damage liability insurance to drive legally in Tennessee. The minimum limits they must purchase for each coverage are as follows: 

• Bodily Injury: $25,000 per person and $50,000 per accident 
• Property Damage: $15,000 per accident

If you can afford to do so, we recommend carrying higher limits than what Tennessee requires. This is because if the damage costs exceed the limits, you will have to pay the rest, which can be financially impossible for some drivers. 

For more on property damage liability insurance, check out the best property damage liability auto insurance companies.

Optional Tennessee Auto Insurance Coverage 

Besides bodily injury and property damage liability insurance, Tennessee doesn’t legally require drivers to carry any other car insurance coverages. This means that the following coverages are optional for most drivers: 

• Comprehensive auto insurance 
• Collision auto insurance 
• Gap insurance 
• Modified car insurance 
• Non-owner auto insurance 
• Rental car reimbursement insurance 
• Roadside assistance 
• Uninsured motorist coverage
• Underinsured motorist coverage
• Umbrella insurance 

If you have a lease or loan on your vehicle, your lender will likely require you to carry comprehensive and collision insurance on your vehicle in order to fully protect their asset.

DUI Penalties in Tennessee 

No matter what state you live in, DUIs are a serious driving offense. DUIs in Tennessee can result in a number of penalties, such as: 

• Fines 
• Ignition Interlock Device (IID) 
• Increased Insurance Rates 
• Jail Time 
• License Suspension 
• Probation and Substance Abuse Treatment
• Sr-22 Certificate 

Penalties will increase in severity for each subsequent DUI offense. For example, your vehicle might be seized after your second DUI, and you will have to pay multiple fines and fees to get it back.  

Tennessee SR-22 Auto Insurance Certificates

SR-22 auto insurance is required in Tennessee. SR-22 certificates are a way to ensure that high-risk drivers are carrying the required insurance coverages in Tennessee. Your insurance company will submit the certificate to government authorities, so if you need an SR-22 certificate, let your insurance company know. 

If your insurance company drops you for being a high-risk driver or you don’t have insurance, your new insurance company may charge a small fee for filing your SR-22 certificate.

Keep in mind that even if you don’t own a car, you will need to get an SR-22 certificate if requested. You can purchase non-owner car insurance in order to meet Tennessee’s insurance requirements. 

Find Cheap Tennessee Auto Insurance Coverage Today

Tennessee drivers can find cheaper rates for car insurance by looking carefully at how a company’s rates change based on a driver’s records. A driver with a DUI won’t find the same cheap rates at the same company that a driver with a clean record signed up with. Read more about auto insurance for drivers with a DUI.

If you’re ready to start shopping, enter your ZIP code into our free quote comparison tool below to find the best cheap car insurance in Tennessee based on your area and driving record.