Auto-Owners Auto Insurance in Tennessee
Auto-Owners is a Michigan-based mutual insurance company licensed in 26 states (primarily Midwest + Southeast). Despite the regional footprint, it consistently posts top-3 J.D. Power customer-satisfaction scores nationwide and operates exclusively through independent agents. Here's what Auto-Owners typically costs in Tennessee for 2026 — plus the 3 cheaper alternatives most Tennessee drivers overlook.
Estimated annual premium
$1,200
Estimated monthly
$100
Tennessee state avg
$1,525
vs Tennessee avg
-21%
Why drivers pick Auto-Owners
Highest customer-satisfaction scores in the company's 26-state footprint (only USAA scores higher industry-wide). Lowest NAIC complaint ratio of the 14 carriers in this matrix.
Where Auto-Owners falls short
Not available in 24 states (mostly Pacific + Northeast + parts of the South). Independent-agent-only channel means no direct online quote — you'll need a phone call or agent visit.
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 Auto-Owners in Tennessee
Based on CarSavr's rate modeling, the 3 carriers below typically come in below Auto-Owners for a comparable driver profile in Tennessee. Always quote multiple carriers — your actual savings depend on ZIP, vehicle, and driving record.
Auto-Owners discounts available to Tennessee drivers
Auto-Owners 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 Auto-Owners Tennessee estimate for each class:
Auto-Owners 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 Auto-Owners Tennessee estimate for each profile:
+100% vs standard
Auto-Owners New Driver insurance
Tennessee · 16-24
-8% vs standard
Auto-Owners Senior Driver insurance
Tennessee · 65+
Auto-Owners NOT ELIGIBLE
Auto-Owners SR-22 High-Risk insurance
Tennessee · any (SR-22 required)
-18% vs standard
Auto-Owners Low-Mileage Driver insurance
Tennessee · any (<7,500 mi/yr)
Frequently asked questions
How much does Auto-Owners auto insurance cost in Tennessee?
Based on CarSavr's 2026 rate modeling, a typical full-coverage policy with Auto-Owners in Tennessee runs about $1,200/year (~$100/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 Auto-Owners cheaper than other carriers in Tennessee?
Yes — Auto-Owners typically runs about 21% below the Tennessee state average ($1,525/year for all carriers combined). The cheaper alternatives in Tennessee are typically USAA, GEICO, Erie. Whether Auto-Owners 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 Auto-Owners offer discounts to Tennessee drivers?
Auto-Owners offers 7+ discounts that Tennessee drivers can stack: Multi-policy, Multi-car, Paid in full, Paperless billing, Safety features, Teen driver monitor, 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 Auto-Owners's national average ($1,395) 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. Auto-Owners J.D. Power score: 850/1000. A.M. Best rating: A++ (2024).