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How Much Is Car Insurance in Tennessee

Insurance is one of the most important aspects of any household budget. It’s one of the few things you can always count on, no matter what happens. And whether you need car insurance or something else, it’s important to understand how much it costs in Tennessee. In this article, we will explore how much car insurance is in Tennessee and give you a breakdown of what each category covers. From property damage to bodily injury, we have everything you need to understand the cost of car insurance in Tennessee.

What Are the Different Types of Car Insurance?

There are a few different types of car insurance in Tennessee, each with its own benefits and drawbacks.

Full Coverage: This type of car insurance provides coverage for any and all expenses that may be incurred as a result of an accident, including medical bills, property damage, and funeral costs. Full coverage policies tend to be the most expensive, but they also offer the most comprehensive protection.

Collision: This type of car insurance pays for damages to your car caused by another vehicle. It only covers physical damage to your car; it doesn’t cover injuries or injuries to other people. Collision coverage is typically less expensive than full coverage, but it doesn’t offer as much protection.

Uninsured Motorist: This type of car insurance covers you if you get into an accident with someone who isn’t covered by their own insurance policy. UM coverage is usually cheaper than full coverage or collision coverage, but it doesn’t provide as much protection (in particular, it won’t cover property damage or medical bills).

How Much Does Tennessee Car Insurance Cost?

Tennessee residents can expect to pay around $1,044 per year for car insurance. This rate is below the national average, which is currently around $1,150. The state’s low rate is likely due to Tennessee’s high concentration of safety-minded drivers. Additionally, the state has a relatively low number of reported accidents.

It is important to note that not all insurers offer the same rates in Tennessee. Some may be significantly higher or lower than the state average. It is also important to compare quotes from different insurers to find one that offers the best deal for your needs. There are a few factors that can affect rates including your driving record, the type of car you drive, and your age.

What Are Some of the Factors That Affect Car Insurance Rates in Tennessee?

1. Age: Younger drivers have lower rates than older drivers, and drivers with no accidents have lower rates than those with one or more accidents.

2. Driving Record: A clean driving record means a decreased chance of higher insurance rates.

3. Location: Rates vary depending on where you live in Tennessee. Drivers in urban areas will likely pay more than those living in rural areas.

4. Vehicle Type: Car insurance rates for larger vehicles are generally higher than those for smaller vehicles.


When you’re shopping for car insurance, it’s important to know the rates in your state so that you can get a fair price. With that in mind, here is a list of the average rates for car insurance in Tennessee as of 2019. Keep this information in mind when compare quotes from different companies, and don’t forget to factor in your driving record and age when deciding on an estimate.

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