Insurance in Tennessee

Compare auto, home, and life insurance rates in Tennessee from top-rated carriers. Free quotes from licensed agents. Veteran-owned & operated.

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Written & reviewed by Richard Mohn Licensed Insurance Agent & Founder, Rate Reduction Insurance

🎖️ U.S. Military Veteran 📋 Licensed in 50 States 🕐 15+ Years Experience 📅 Updated: April 10, 2026

Insurance Options in Tennessee

🚗 Auto Insurance in Tennessee› 🏠 Home Insurance in Tennessee› 💚 Life Insurance in Tennessee›

Auto Insurance Rates in Tennessee (2026)

Tennessee uses an at-fault/tort insurance system. The state mandates minimum liability coverage of 25/50/15. The average full coverage premium is $168/month. Here are the cheapest options:

Insurance Company	6-Month Premium	Monthly Cost
GEICO ⭐	$768	$128/mo
Tennessee Farmers	$834	$139/mo
Progressive	$864	$144/mo
State Farm	$942	$157/mo
Allstate	$1,152	$192/mo

→ Full Tennessee auto insurance guide with city rates

Tennessee Insurance at a Glance

$168

Avg. Monthly (Auto)

$128

Cheapest Auto Rate

25/50/15

Min. Liability Limits

16%

Uninsured Drivers

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Popular Auto Insurance Topics in Tennessee

Auto Insurance by City in Tennessee

Rates vary significantly by city. Click yours for local rate comparisons:

📍 Memphis› 📍 Knoxville› 📍 Chattanooga› 📍 Clarksville› 📍 Murfreesboro› 📍 Franklin› 📍 Johnson City› 📍 Jackson› 📍 Hendersonville› 📍 Bartlett› 📍 Kingsport› 📍 Smyrna› 📍 Collierville› 📍 Spring Hill› 📍 Cleveland› 📍 Brentwood› 📍 Gallatin› 📍 Columbia› 📍 Germantown› 📍 Mount Juliet› 📍 La Vergne› 📍 Lebanon› 📍 Cookeville› 📍 Maryville› 📍 Oak Ridge› 📍 Morristown› 📍 Bristol› 📍 Shelbyville› 📍 Farragut› 📍 East Ridge› 🗺️ View All 64 Cities›

Tennessee Insurance FAQ

What insurance do I need in Tennessee?

At minimum, Tennessee requires liability auto insurance with limits of 25/50/15. Most Tennessee residents also benefit from homeowners or renters insurance and life insurance. We can help you find the best rates for all three.

Who has the cheapest insurance in Tennessee?

For auto insurance, GEICO offers the cheapest full coverage at $128/month. However, rates vary by driver — comparing multiple carriers is the best way to find your lowest rate.

How can I save on insurance in Tennessee?

Bundle multiple policies (auto + home), compare quotes from several carriers, maintain a clean driving record, raise your deductible, and ask about available discounts. Call us at (888) 217-6781 for a free comparison.

Sources & Methodology

Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.

Rate data based on 2026 carrier rate filings analyzed by state insurance departments and third-party data providers including Quadrant Information Services.
Tennessee Department of Commerce and Insurance — official state insurance regulator for Tennessee.
National Association of Insurance Commissioners (NAIC) — national insurance data and consumer resources.
Tennessee Driver Services — Tennessee vehicle registration and licensing requirements.
Insurance Information Institute (III) — independent insurance education and research.
National Highway Traffic Safety Administration (NHTSA) — crash and safety statistics.
NHTSA FARS Database — fatal crash and DUI arrest data by state and locality.

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