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Is Car Insurance Cheaper in Tennessee

When you’re shopping for car insurance, it’s important to understand all the different options available in Tennessee. In this article, we will explore the different types of car insurance available in Tennessee, as well as how they differ in price. We will also discuss the factors that affect car insurance prices in Tennessee, and which factors you should pay attention to if you’re looking to save on your policy. So whether you’re new to the state or just looking for a cheaper option, read on to learn everything you need to know about car insurance in Tennessee.


Tennessee is a state in the southeastern region of the United States. The state’s name derives from the Cherokee word tennesee, meaning “the middle” or “middle of the country”. Tennessee is known as the Volunteer State because of its strong military history and tradition. The Third Amendment to the United States Constitution guarantees citizens the right to bear arms, and Tennessee has some of the most heavily armed citizens in the country. Tennessee’s economy is based on agriculture, tourism, manufacturing, and natural resources. Tennessee has one of the lowest unemployment rates in the country and a relatively low poverty rate. Tennessee also has a diversified economy with significant sectors such as healthcare, financial services, advanced technology, and education.

Car Insurance Rates in Tennessee

Tennessee is a state that has many things to offer its residents, including great car insurance rates. According to the Tennessee Department of Safety and Homeland Security, the average cost of car insurance in the state is $846 per year. This ranks Tennessee as the sixth cheapest state in terms of car insurance rates.

One reason why Tennessee’s car insurance rates are so low is because the state has a relatively low number of accidents. In 2013, Tennessee had only 1,527 traffic accidents, which is well below the national average of 3,000 traffic accidents per year. In comparison, California had more than twice as many traffic accidents (6,511) as Tennessee did in 2013.

Another reason why car insurance rates in Tennessee are so affordable is because the state has a high number of safe drivers. According to the National Highway Traffic Safety Administration (NHTSA), motorists who live in states with a lower rate of accidents also have a lower rate of crashes. Therefore, it can be argued that being a safe driver is most important factor when determining your car insurance rate.

Types of Coverage

In Tennessee, car insurance rates vary depending on a few factors, including your age and driving record. Most drivers under the age of 25 are required to have liability insurance, while drivers with no accidents or violations on their record may be able to find cheaper rates. Car insurance quotes can also vary based on the make and model of your vehicle. For example, Chevrolet owners may find their rates lower than Ford drivers. Shopping around is always a good idea to find the best deal on car insurance in Tennessee.


Although the cost of car insurance varies from state to state, it is generally cheaper in Tennessee than in other states. This is likely due to the fact that car accidents are relatively rare in Tennessee and there are not as many high-risk drivers on the road. If you live in a dangerous area or have a high-risk driving history, your rates may be higher than average, but for the majority of drivers, car insurance costs in Tennessee are lower than elsewhere. Give us a call at (800) 522-0028 and let us help you find the best rate for your needs.

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