Every driver has different insurance priorities. Finding the right auto insurance company for your needs requires careful consideration. To help you determine the best car insurance options in Tennessee, Insurify analyzed 50 auto insurance companies in the Volunteer State.

Here’s what you need to know about finding the best car insurance in Tennessee.

Best car insurance companies in Tennessee

Tennessee drivers don’t all have the same auto insurance needs, and car insurance companies calculate annual insurance rates differently. Factors like your driving record, ZIP code, vehicle type, coverage level, and credit history can influence how much you’ll pay for coverage and what company will work best for you.1

Shopping around for coverage from multiple insurance companies is the best way to ensure you’ve found the coverage level you need for a price you can afford. Start your search for coverage with five of the best car insurance companies in Tennessee below.

State Farm: Best overall

Travelers: Best for discounts

GEICO: Best for drivers with an incident

USAA: Best for military families

Auto-Owners: Best for personalized service

How to get the best car insurance in Tennessee

If you want to find the best car insurance policy for your needs, you can use the following strategies to determine the right company. Which car insurance company offers the right coverage level at the right price for your needs will depend on your driving record, age, and coverage needs.

Average cost of car insurance in Tennessee

Tennessee drivers pay an average of $70 per month for minimum coverage and $136 for full-coverage car insurance. Compare that to the national average cost of $104 per month for liability coverage and $184 for full-coverage car insurance.

The cost of auto insurance has gone up in the past few years, increasing by 6% in Tennessee in 2024, according to an Insurify auto insurance report. Tennesseans may see an increase of another 4% in 2025, according to the same report.