Cheap Car Insurance in Tennessee

How Tennessee stacks up

At $1,525 per year for full coverage, Tennessee drivers pay 15% less than the national average of $1,789. Memphis and Nashville pay roughly 25% more than rural Tennessee.

Premiums vary widely within Tennessee based on ZIP code, vehicle, age, credit score (where allowed), and driving record. Urban ZIPs typically pay 20–40% more than rural ones in the same state.

Required minimum coverage in Tennessee

Minimums are the legal floor — most drivers should carry significantly more (100/300/100 is a common safe baseline) to protect personal assets from lawsuits.

5 ways to lower your Tennessee car insurance

• Compare 3+ insurers — drivers who shop can save up to $487/year on average.
• Raise your deductible from $500 to $1,000 if you have an emergency fund.
• Bundle auto with home or renters insurance (10–25% discount).
• Ask about telematics / usage-based discounts (10–30% if you drive carefully).
• Memphis and Nashville pay roughly 25% more than rural Tennessee.