Fast Online Comparison Auto Insurance in Tennessee — From $38/mo
Find auto insurance options in Tennessee. Compare Tennessee auto insurance — Nashville to Memphis and everywhere between
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Why compare Auto Insurance in Tennessee?
Prices can vary widely across providers in Tennessee. Whether you’re in Nashville or Memphis, comparing quotes helps you find better coverage for less.
What you get
- Compare Tennessee auto insurance — Nashville to Memphis and everywhere between
- Licensed US Providers
- Bundle & Save options where available
Rates in Tennessee
Typical annual rates start from $456 (based on plans from $38/mo)
Tennessee uses an at-fault system with 25/50/15 minimum liability. Rates are moderate compared to the national average, but Memphis and Nashville premiums are notably higher than rural TN. The state has a financial responsibility law — driving uninsured results in license and registration suspension.
Auto Insurance Requirements in Tennessee
- Minimum requirement
- 25/50/15
- No-fault state
- No
- SR-22 required
- Yes
- Average annual cost
- $1,380
Estimated rates by driver profile in Tennessee
Rates vary based on your driving history and profile. Here's what drivers in Tennessee typically pay:
| Driver Profile | Est. Monthly | Coverage Level | SR-22 Available |
|---|---|---|---|
| Clean record, age 30+ | $38–$55 | Full Coverage | ✓ |
| 1 accident in last 3 years | $58–$78 | Liability+ | ✓ |
| New driver, under 25 | $82–$118 | Basic Liability | ✓ |
| DUI on record | $98–$140 | SR-22 Required | ✓ |
| Senior driver, 65+ | $42–$62 | Full Coverage | — |
Compare Tennessee auto insurance — Nashville to Memphis and everywhere between
Get Fast Online Comparison plans starting at $38/mo — includes Licensed US Providers.
Compare Quotes NowCustomer Satisfaction & Complaint Score breakdown
Real-world claim and customer experience indicators from widely recognized insurers.
Frequently Asked Questions
What's the minimum auto insurance in Tennessee?
Tennessee requires 25/50/15 — $25,000 per person, $50,000 per accident bodily injury, $15,000 property damage.
Why are Memphis auto insurance rates higher?
Memphis has elevated vehicle theft, accident rates, and uninsured driver percentages that push premiums above the state average.
Is Tennessee a no-fault state?
No. Tennessee uses an at-fault (tort) system — the driver who caused the accident is responsible for damages.
Can I get same-day coverage in Tennessee?
Yes. Most carriers provide immediate digital proof of insurance after purchase.
What happens if I drive uninsured in TN?
Tennessee suspends your license and registration. Reinstatement requires proof of insurance and payment of fees ranging from $100–$300.
How can I lower my TN auto insurance?
Comparing carriers, bundling, maintaining a clean record, and choosing appropriate deductibles are the most effective strategies.