Allstate Auto Insurance in Tennessee
Allstate is the 4th-largest U.S. auto carrier (~10% market share) with a long-running agent network. Drivewise telematics + Milewise pay-per-mile options give it broad coverage modality flexibility. Here's what Allstate typically costs in Tennessee for 2026 — plus the 3 cheaper alternatives most Tennessee drivers overlook.
Estimated annual premium
$1,800
Estimated monthly
$150
Tennessee state avg
$1,525
vs Tennessee avg
+18%
Why drivers pick Allstate
Strong agent network for hands-on claims support; broad rider library (custom equipment, ridesharing endorsements, classic car).
Where Allstate falls short
Base rates run high — Allstate is consistently in the top quartile for posted rates. Discount-stacking is required to land at competitive pricing.
Tennessee minimum coverage requirements
- Bodily Injury Liability: 25/50 thousand per person / per accident
- Property Damage Liability: $15K
Memphis and Nashville pay roughly 25% more than rural Tennessee.
Cheaper alternatives to Allstate in Tennessee
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Allstate for a comparable driver profile in Tennessee. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Allstate discounts available to Tennessee drivers
Allstate Tennessee rates by vehicle class
Vehicle class is one of the strongest premium drivers — pickups + EVs cost 15-25% more to insure than sedans. See the Allstate Tennessee estimate for each class:
Allstate Tennessee rates by driver profile
Driver classification is one of the strongest premium drivers — young drivers pay 2x adult rates, while seniors and low-mileage retirees save 8-18%. See the Allstate Tennessee estimate for each profile:
Frequently asked questions
How much does Allstate auto insurance cost in Tennessee?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Allstate in Tennessee runs about $1,800/year (~$150/month) for a 35-year-old driver with a clean record and 720+ FICO. Your actual quote will vary based on ZIP code, vehicle, mileage, and coverage selections — typically by ±15-25%.
Is Allstate cheaper than other carriers in Tennessee?
Allstate is currently about 18% above the Tennessee state average of $1,525/year. The cheaper alternatives in Tennessee are typically USAA, GEICO, Erie. Whether Allstate is right for you depends more on your driver profile (clean record, military eligibility, low mileage) than on the headline rate.
What are the Tennessee minimum coverage requirements?
Tennessee requires at least 25/50 thousand in bodily-injury liability per person/per accident and $15K in property-damage liability. Tennessee is not a no-fault state, so PIP is optional but recommended for added medical coverage. Memphis and Nashville pay roughly 25% more than rural Tennessee.
Does Allstate offer discounts to Tennessee drivers?
Allstate offers 6+ discounts that Tennessee drivers can stack: Drivewise (telematics), Multi-policy, Anti-theft device, Early signing, Responsible payer, Allstate eSmart. The combined discount stack typically lands at 15-25% off the base rate for an eligible profile. The exact set available varies by ZIP code and state filing — confirm with a quote.
Methodology: Estimated annual premium is computed as Allstate's national average ($2,108) multiplied by Tennessee's state-vs-national premium index ($1,525 ÷ national average $1,789 ≈ 0.85x). Actual quotes vary by ±15-25% based on driver age, ZIP code, vehicle, mileage, and coverage selections. Sources: NAIC rate-filings 2023-2024, J.D. Power 2024 U.S. Auto Insurance Study, individual carrier rate filings. Allstate J.D. Power score: 815/1000. A.M. Best rating: A+ (2024).