Amica Auto Insurance in Tennessee
Amica Mutual is the oldest mutual auto insurer in the U.S. (founded 1907). Writes in all 50 states + DC, exclusively through direct channels and licensed agents. Annual dividends paid to policyholders historically average 5-20% of premium — effectively reducing the net cost. Here's what Amica typically costs in Tennessee for 2026 — plus the 3 cheaper alternatives most Tennessee drivers overlook.
Estimated annual premium
$1,250
Estimated monthly
$104
Tennessee state avg
$1,525
vs Tennessee avg
-18%
Why drivers pick Amica
Second-highest J.D. Power customer-satisfaction score in the industry (877, behind only USAA's 890) AND the lowest NAIC complaint ratio of the 14 matrix carriers. Mutual structure means dividends offset premium.
Where Amica falls short
Initial quotes are 10-20% above peer market for similar drivers. The dividend offsets some of that gap, but you'll wait 12+ months for the first dividend. Not the cheapest entry-price.
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 Amica in Tennessee
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Amica for a comparable driver profile in Tennessee. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Amica discounts available to Tennessee drivers
Amica 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 Amica Tennessee estimate for each class:
Amica 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 Amica Tennessee estimate for each profile:
Frequently asked questions
How much does Amica auto insurance cost in Tennessee?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Amica in Tennessee runs about $1,250/year (~$104/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 Amica cheaper than other carriers in Tennessee?
Yes — Amica typically runs about 18% below the Tennessee state average ($1,525/year for all carriers combined). The cheaper alternatives in Tennessee are typically USAA, GEICO, Erie. Whether Amica 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 Amica offer discounts to Tennessee drivers?
Amica offers 7+ discounts that Tennessee drivers can stack: Loyalty dividend (mutual structure), Multi-policy, Hybrid/EV, Homeowner, Paid in full, Auto-pay, Group affinity. 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 Amica's national average ($1,480) 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. Amica J.D. Power score: 877/1000. A.M. Best rating: A+ (2024).