Best Car Insurance in Tennessee (2025)

State Farm, Travelers, and GEICO are among the best car insurance companies in Tennessee.

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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

  • Our editorial team analyzed regional and national auto insurance companies that sell policies in Tennessee to assess which offer the best rates, coverage options, customer service, and savings to drivers. We prioritized competitive rates, 24/7 customer service, low-mileage discounts or programs, safe driving discounts, homeownership discounts or bundling options, and specialty or supplemental coverages.

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 $69 per month for minimum coverage and $134 for full-coverage car insurance. Compare that to the national average cost of $103 per month for liability coverage and $182 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.

Best car insurance in Tennessee FAQs

Tennessee has many quality car insurance options to choose from, whether you want to purchase state-minimum coverage or a more robust policy. The following information can help answer your remaining questions about finding the right car insurance policy for your needs in the Volunteer State.

  • How much is car insurance in Tennessee?

    The overall average car insurance rate in Tennessee is $102 per month. By coverage level, Tennessee drivers pay $69 per month on average for minimum coverage and $134 for full coverage. 

    How much you pay for car insurance will depend on whether you purchase the state-minimum coverage or a more robust policy with collision and comprehensive coverage.

  • What are the best car insurance companies in Tennessee?

    The best car insurance company will vary from one Tennessee driver to another. But some of the best insurers in the Volunteer State include State Farm, Travelers, GEICO, USAA, and Auto-Owners. To make sure you get the best policy to fit your needs at a price you can afford, take the time to compare quotes from several insurance companies.

  • What is the required auto insurance coverage amount in Tennessee?

    Tennessee state law requires all drivers to carry a state-minimum coverage level of $25,000 per person in bodily injury liability, $50,000 per accident in bodily injury liability, and $25,000 per accident in property damage liability coverage. Many drivers may choose to increase their liability coverage limits and purchase add-ons like collision and comprehensive coverage.

Emily Guy Birken
Emily Guy Birken

Emily Guy Birken is a former educator, lifelong money nerd, and a Plutus Award-winning freelance writer who specializes in the scientific research behind irrational money behaviors. Her background in education allows her to make complex financial topics relatable and easily understood by the layperson.

Her work has appeared on The Huffington Post, Business Insider, Kiplinger's, MSN Money, and The Washington Post online.

She is the author of several books, including The 5 Years Before You Retire, End Financial Stress Now, and the brand new book Stacked: Your Super Serious Guide to Modern Money Management, written with Joe Saul-Sehy.

Emily lives in Milwaukee with her family.

Emily has been a contributor at Insurify since October 2022.