Auto Insurance · Tennessee
Car Insurance in Tennessee: 2026 Rates & Requirements
Updated July 9, 2026
Full coverage
$2,110/yr
Full coverage
$176/mo
State minimum
$700/yr
Min. liability
25/50/25
Drivers in Tennessee pay an average of $2,110 per year ($176/month) for full-coverage car insurance in 2026 — about 12% below the national average of $2,392. That makes Tennessee the #18 cheapest of the 51 U.S. jurisdictions we track. A state-minimum policy averages $700 per year, versus a $895 national average.
Averages hide a wide spread: your own quote depends on your ZIP code, driving record, age, and vehicle, and rating territories can split a single street in half — two Tennessee neighbours with the same car can land in different pricing zones. The only way to know where you fall is to check your own rate.
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Minimum car insurance requirements in Tennessee
Tennessee requires drivers to carry at least 25/50/25 liability coverage. Here's what those numbers mean:
| Coverage | Required minimum | What it pays for |
|---|---|---|
| Bodily injury (per person) | $25,000 | Injuries you cause to one person in an accident |
| Bodily injury (per accident) | $50,000 | Total injuries you cause in one accident |
| Property damage | $25,000 | Damage you cause to vehicles and property |
Keep in mind that state minimums are the legal floor, not a recommendation — a serious accident can exceed $50,000 in injuries quickly, leaving you personally liable for the rest. Most Tennessee drivers are better served comparing the cost of higher limits, which is often smaller than expected.
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How Tennessee drivers pay less
- Compare at every renewal. Carrier pricing in Tennessee shifts constantly; the insurer that was cheapest for you two years ago frequently isn't today.
- Bundle home or renters insurance — multi-policy discounts commonly run 10–25%.
- Raise your deductible if you have savings to cover it; going from $500 to $1,000 typically cuts the collision/comprehensive portion 10–20%.
- Ask about usage-based programs if you drive less than ~10,000 miles a year — low-mileage pricing is one of the fastest-growing discounts in 2026.
- Special situations have their own playbook: see our guides for teen drivers, coverage after a DUI, and getting insured after a lapse.
Guides for specific situations
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Car insurance costs in other states
Rate data: 2026 state averages compiled from published figures at NerdWallet, Insurify, and ValuePenguin (July 2026); requirements from state statutes as of July 2026. Averages are for comparison only — your rate will differ based on your profile.