Tennessee Auto Insurance Quotes

Tennessee auto insurance As with any state in the country, Tennessee has its share of vehicle-related risks. An accident can occur at any time, even when you’re simply backing out of your driveway. 

The state of Tennessee doesn't require drivers to maintain auto insurance. However, you must prove financial responsibility, and having liability insurance is one way to show this. You can also post a bond or qualify as a self-insurer if you choose not to have insurance. Minimum liability coverages limits are:

  • $25,000 for an injury or death.
  • $50,000 for all injuries or deaths in one accident.
  • $15,000 for property damage for one accident.

If you incur a traffic violation and you don't have the minimum liability coverage, the violation remains on your record, making it impossible to renew your license or registration.

Sample of Annual Tennessee Auto Insurance Rates

Nashville Auto Insurance

Nashville is the capital of Tennessee, and the second-largest city in the state with a population of more than 654,000 people. "Music City," as it's known, is home to the country music industry. Gibson, the guitar company, is based in Nashville.

From Nashville, Interstate 40 runs southwest into Memphis, and east through Knoxville. Interstate 24 connects Nashville with Chattanooga to the southeast. Interstate 65 runs north to Louisville, Kentucky, and south to Birmingham, Alabama.

City Single Married
Low High Low High
Nashville $595.00 $1,949.00 $535.00 $1,816.00

Memphis Auto Insurance

Memphis is the largest city in Tennessee with a population of more than 655,000 people. Memphis is known as the "Home of the Blues," as well as the "Birthplace of Rock 'n Roll." Elvis Presley grew up in Memphis and launched his music career here. Memphis is also recognized for its world-famous "Memphis barbecue." The National Civil Rights Museum was built out of the motel where Martin Luther King, Jr., was assassinated.

From Memphis, Interstate 40 runs northeast to Nashville, and southwest into Little Rock, Ark. Interstate 55 runs north into St. Louis, and south past Jackson on the way into New Orleans. Interstate 22 connects Memphis with Birmingham, Alabama to the southeast.

City Single Married
Low High Low High
Memphis $671.00 $2,431.00 $602.00 $2,486.00

Chattanooga Auto Insurance

Chattanooga is the fourth-largest city in Tennessee with a population of more than 176,000 people. Chattanooga is recognized as the "birthplace of the tow truck," and is the site of the International Towing and Recovery Hall of Fame and Museum.

From Chattanooga, Interstate 75 runs northeast toward Knoxville, and south to Atlanta. Interstate 24 connects Chattanooga with Nashville to the northwest. Interstate 59 runs southwest into Birmingham, Alabama.

City Single Married
Low High Low High
Chattanooga $660.00 $1,655.00 $592.00 $1,658.00

Lynchburg Auto Insurance

Lynchburg is the home of the Jack Daniel's whiskey company, which attracts tourists to the town. The small town has a population of about 6,300 people.

The main stretch is downtown Lynchburg is Majors Boulevard, which turns into the Lynchburg Highway as it rumbles passed the Jack Daniels's Distillery and visitor center.

City Single Married
Low High Low High
Lynchburg $688.00 $1,777.00 $619.00 $1,804.00

Knoxville Auto Insurance

Knoxville is the third-largest city in Tennessee with a population of more than 185,000 people. Situated along the Smoky Mountains, Knoxville was Tennessee's first state capital, a distinction that now belongs to Nashville. Knoxville was once known as the "Underwear Capital of the World," even though it no longer plays a big role in the industry. The college town is home to the University of Tennessee.

From Knoxville, Interstate 40 runs west into Nashville, and east toward Charlotte. Interstate 75 runs north toward Lexington, and south past Chattanooga on the way to Atlanta.

City Single Married
Low High Low High
Knoxville $662.00 $1,924.00 $594.00 $1,787.00

Clarksville Auto Insurance

Clarksville lies at the Tennessee-Kentucky border. It is the fifth-largest city in Tennessee with a population of about 150,000 people. Jimi Hendrix lived in Clarksville before he became a famous guitarist. Clarksville is known as the Gateway to the New South.

From Clarksville, Interstate 24 runs southeast to Nashville, and north into Kentucky. U.S. Route 41 also runs into Nashville.

City Single Married
Low High Low High
Clarksville $647.00 $1,763.00 $581.00 $1,797.00

Oak Ridge Auto Insurance

Oak Ridge is known as the "Atomic City," because of the role it played in developing the world's first nuclear weapon. During World War II, Oak Ridge participated in the "Manhattan Project. Actress Megan Fox was born in Oak Ridge. The town has a population of more than 29,000 people

Just south of Oak Ridge, Interstate 40 runs east to Knoxville, and west to Nashville. Interstate 75 runs south passed Chattanooga on the way to Atlanta, and north toward Lexington, Ky.

City Single Married
Low High Low High
Oak Ridge $655.00 $1,835.00 $589.00 $1,874.00

Jackson Auto Insurance

Jackson is the eighth-largest city in the state with a population of more than 67,000 people. Pringles potato chips are manufactured here. Jackson is also home to Jackson State Community College and Union University.

From Jackson, Interstate 40 runs northeast into Nashville, and southwest through Memphis. U.S. Route 45 runs south through Tupelo, Alabama, on the way into Mobile, Alabama.

City Single Married
Low High Low High
Jackson $698.00 $1,825.00 $628.00 $1,855.00

Kingsport Auto Insurance

Kingsport has a population of more than 48,000 people. Kingsport is known as the "Model City." The town's name derives from the nearby King's Boat Yard, which was known as the King's Port. Kingsport is the home of the Eastman Chemical Co.

From Kingsport, Interstate 81 runs southwest toward Knoxville, and northeast passed Roanoke. Interstate 26 runs south to Johnson City. U.S. Route 23 heads north into the middle part of Virginia.

City Single Married
Low High Low High
Kingsport $602.00 $1,575.00 $542.00 $1,535.00

Johnson City Auto Insurance

Johnson City is the ninth-largest city in Tennessee with a population of more than 66,000 people. Johnson City is the birthplace of Mountain Dew soda. Known as "Little Chicago," Johnson City owes its nickname to the role it played in Prohibition-era bootlegging activity. Johnson City is home to East Tennessee State University and Milligan College.

Passing near Johnson City, Interstate 40 runs west to Nashville, and southeast toward Charlotte. Interstate 26 runs north to Kingsport and south into Asheville, North Carolina. Interstate 81 runs north toward Roanoke, Virginia.

City Single Married
Low High Low High
Johnson City $602.00 $1,507.00 $542.00 $1,535.00

City Single Married
Low High Low High
Adams $720.00 $1,728.00 $646.00 $1,761.00
Adamsville $698.00 $1,825.00 $628.00 $1,855.00
Afton $611.00 $1,722.00 $551.00 $1,754.00
Alamo $698.00 $1,825.00 $627.00 $1,855.00
Alcoa $655.00 $1,738.00 $589.00 $1,776.00
Alexandria $638.00 $1,766.00 $575.00 $1,793.00
Allardt $658.00 $1,840.00 $592.00 $1,817.00
Allons $652.00 $1,739.00 $587.00 $1,669.00
Allred $652.00 $1,740.00 $587.00 $1,669.00
Alpine $652.00 $1,923.00 $587.00 $1,673.00
Altamont $726.00 $1,721.00 $655.00 $1,735.00
Andersonville $655.00 $1,835.00 $589.00 $1,874.00
Antioch $634.00 $1,764.00 $569.00 $1,795.00
Apison $660.00 $1,625.00 $592.00 $1,658.00
Ardmore $704.00 $1,770.00 $634.00 $1,796.00
Arlington $650.00 $2,034.00 $585.00 $2,082.00
Arrington $655.00 $1,774.00 $588.00 $1,807.00
Ashland City $701.00 $1,763.00 $631.00 $1,797.00
Athens $655.00 $1,735.00 $589.00 $1,772.00
Atoka $725.00 $2,266.00 $654.00 $2,316.00
Atwood $688.00 $1,785.00 $620.00 $1,812.00
Auburntown $646.00 $1,766.00 $581.00 $1,793.00
Bath Springs $688.00 $1,754.00 $620.00 $1,780.00
Baxter $634.00 $1,704.00 $571.00 $1,669.00
Bean Station $725.00 $1,799.00 $651.00 $1,836.00
Beech Bluff $711.00 $1,825.00 $639.00 $1,855.00
Beechgrove $624.00 $1,770.00 $563.00 $1,796.00
Beersheba Springs $726.00 $1,709.00 $655.00 $1,735.00
Belfast $661.00 $1,827.00 $595.00 $1,854.00
Bell Buckle $697.00 $1,829.00 $624.00 $1,856.00
Bells $698.00 $1,825.00 $627.00 $1,855.00
Belvidere $619.00 $1,714.00 $559.00 $1,740.00
Benton $655.00 $1,735.00 $589.00 $1,772.00
Bethel Springs $698.00 $1,825.00 $628.00 $1,855.00
Bethpage $674.00 $1,728.00 $604.00 $1,761.00
Big Rock $703.00 $1,765.00 $634.00 $1,780.00
Big Sandy $708.00 $1,754.00 $638.00 $1,780.00
Birchwood $660.00 $1,635.00 $592.00 $1,658.00
Blaine $725.00 $1,799.00 $651.00 $1,836.00
Bloomington Springs $634.00 $1,640.00 $571.00 $1,669.00
Blountville $603.00 $1,519.00 $542.00 $1,535.00
Bluff City $606.00 $1,562.00 $545.00 $1,535.00
Bolivar $705.00 $1,825.00 $634.00 $1,855.00
Bon Aqua $686.00 $1,803.00 $619.00 $1,735.00
Bradford $698.00 $1,795.00 $627.00 $1,824.00
Bradyville $646.00 $1,766.00 $581.00 $1,793.00
Brentwood $638.00 $1,723.00 $572.00 $1,755.00
Briceville $655.00 $1,894.00 $589.00 $1,874.00
Brighton $700.00 $2,266.00 $630.00 $2,316.00
Bristol $606.00 $1,507.00 $545.00 $1,535.00
Brownsville $705.00 $1,825.00 $634.00 $1,855.00
Bruceton $688.00 $1,785.00 $620.00 $1,812.00
Brush Creek $638.00 $1,754.00 $575.00 $1,786.00
Buchanan $708.00 $1,769.00 $638.00 $1,780.00
Buena Vista $688.00 $1,785.00 $620.00 $1,812.00
Buffalo Valley $634.00 $1,701.00 $571.00 $1,669.00
Bulls Gap $652.00 $1,623.00 $586.00 $1,535.00
Bumpus Mills $703.00 $1,756.00 $634.00 $1,780.00
Burlison $700.00 $2,266.00 $630.00 $2,316.00
Burns $700.00 $1,715.00 $631.00 $1,746.00
Butler $664.00 $1,854.00 $597.00 $1,633.00
Bybee $716.00 $1,811.00 $643.00 $1,850.00
Byrdstown $658.00 $1,908.00 $592.00 $1,817.00
Calhoun $655.00 $1,735.00 $589.00 $1,772.00
Camden $708.00 $1,839.00 $638.00 $1,780.00
Carthage $638.00 $1,754.00 $575.00 $1,786.00
Caryville $686.00 $1,835.00 $617.00 $1,874.00
Castalian Springs $674.00 $1,728.00 $604.00 $1,761.00
Cedar Grove $688.00 $1,785.00 $620.00 $1,812.00
Cedar Hill $720.00 $1,738.00 $646.00 $1,761.00
Celina $652.00 $1,646.00 $587.00 $1,669.00
Centerville $686.00 $1,705.00 $619.00 $1,735.00
Chapel Hill $661.00 $1,827.00 $595.00 $1,854.00
Chapmansboro $707.00 $1,763.00 $636.00 $1,797.00
Charleston $668.00 $1,735.00 $599.00 $1,772.00
Charlotte $700.00 $1,715.00 $631.00 $1,746.00
Chattanooga $660.00 $1,655.00 $592.00 $1,658.00
Chestnut Mound $638.00 $1,754.00 $575.00 $1,786.00
Christiana $661.00 $1,790.00 $593.00 $1,820.00
Chuckey $611.00 $1,722.00 $551.00 $1,754.00
Church Hill $652.00 $1,580.00 $586.00 $1,535.00
Clairfield $725.00 $1,822.00 $651.00 $1,861.00
Clarkrange $658.00 $1,850.00 $592.00 $1,817.00
Clarksville $647.00 $1,763.00 $581.00 $1,797.00
Cleveland $668.00 $1,735.00 $599.00 $1,772.00
Clifton $703.00 $1,754.00 $633.00 $1,780.00
Clinton $655.00 $1,836.00 $589.00 $1,874.00
Coalmont $726.00 $1,733.00 $655.00 $1,735.00
College Grove $655.00 $1,774.00 $588.00 $1,807.00
Collierville $649.00 $2,034.00 $582.00 $2,082.00
Collinwood $703.00 $1,754.00 $633.00 $1,780.00
Columbia $672.00 $1,837.00 $604.00 $1,865.00
Cookeville $634.00 $1,712.00 $571.00 $1,669.00
Copperhill $655.00 $1,735.00 $589.00 $1,772.00
Cordova $678.00 $2,135.00 $611.00 $2,082.00
Cornersville $661.00 $1,827.00 $595.00 $1,854.00
Corryton $711.00 $1,764.00 $636.00 $1,787.00
Cosby $716.00 $1,832.00 $643.00 $1,850.00
Cottage Grove $708.00 $1,754.00 $638.00 $1,780.00
Cottontown $680.00 $1,728.00 $609.00 $1,761.00
Counce $688.00 $1,754.00 $620.00 $1,780.00
Covington $700.00 $2,266.00 $630.00 $2,316.00
Cowan $619.00 $1,717.00 $559.00 $1,740.00
Crab Orchard $686.00 $1,741.00 $617.00 $1,713.00
Crawford $652.00 $1,767.00 $587.00 $1,669.00
Cross Plains $684.00 $1,728.00 $613.00 $1,761.00
Crossville $686.00 $1,762.00 $617.00 $1,713.00
Crump $688.00 $1,754.00 $620.00 $1,780.00
Culleoka $672.00 $1,837.00 $604.00 $1,865.00
Cumberland City $701.00 $1,863.00 $632.00 $1,780.00
Cumberland Furnace $700.00 $1,717.00 $631.00 $1,746.00
Cumberland Gap $725.00 $1,822.00 $651.00 $1,861.00
Cunningham $717.00 $1,763.00 $643.00 $1,797.00
Cypress Inn $703.00 $1,754.00 $633.00 $1,780.00
Dandridge $694.00 $1,799.00 $624.00 $1,836.00
Darden $688.00 $1,826.00 $620.00 $1,856.00
Dayton $689.00 $1,625.00 $619.00 $1,658.00
Decatur $629.00 $1,735.00 $564.00 $1,772.00
Decaturville $688.00 $1,754.00 $620.00 $1,780.00
Decherd $619.00 $1,714.00 $559.00 $1,740.00
Deer Lodge $658.00 $1,874.00 $592.00 $1,763.00
Del Rio $716.00 $1,811.00 $643.00 $1,850.00
Delano $655.00 $1,735.00 $589.00 $1,772.00
Dellrose $688.00 $1,777.00 $619.00 $1,804.00
Denmark $711.00 $1,825.00 $639.00 $1,855.00
Dickson $704.00 $1,715.00 $634.00 $1,746.00
Dixon Springs $638.00 $1,754.00 $575.00 $1,786.00
Dover $703.00 $1,756.00 $634.00 $1,780.00
Dowelltown $638.00 $1,766.00 $575.00 $1,793.00
Doyle $638.00 $1,712.00 $575.00 $1,713.00
Dresden $688.00 $1,754.00 $620.00 $1,780.00
Drummonds $700.00 $2,266.00 $630.00 $2,316.00
Duck River $686.00 $1,705.00 $619.00 $1,735.00
Duff $686.00 $1,835.00 $617.00 $1,874.00
Dukedom $688.00 $1,754.00 $620.00 $1,780.00
Dunlap $726.00 $1,666.00 $655.00 $1,658.00
Dyer $698.00 $1,795.00 $627.00 $1,824.00
Dyersburg $698.00 $1,785.00 $628.00 $1,812.00
Eads $709.00 $2,034.00 $635.00 $2,082.00
Eagleville $661.00 $1,790.00 $593.00 $1,820.00
Eidson $652.00 $1,603.00 $586.00 $1,535.00
Elizabethton $664.00 $1,534.00 $597.00 $1,535.00
Elmwood $638.00 $1,754.00 $575.00 $1,786.00
Elora $688.00 $1,777.00 $619.00 $1,804.00
Englewood $655.00 $1,735.00 $589.00 $1,772.00
Enville $698.00 $1,825.00 $628.00 $1,855.00
Erin $701.00 $1,793.00 $632.00 $1,716.00
Erwin $611.00 $1,516.00 $551.00 $1,546.00
Estill Springs $618.00 $1,714.00 $558.00 $1,740.00
Ethridge $703.00 $1,770.00 $633.00 $1,796.00
Etowah $655.00 $1,735.00 $589.00 $1,772.00
Eva $708.00 $1,849.00 $638.00 $1,780.00
Evensville $689.00 $1,625.00 $619.00 $1,658.00
Fairview $593.00 $1,774.00 $533.00 $1,807.00
Fall Branch $637.00 $1,722.00 $573.00 $1,754.00
Farner $655.00 $1,735.00 $589.00 $1,772.00
Fayetteville $688.00 $1,777.00 $619.00 $1,804.00
Finger $698.00 $1,825.00 $628.00 $1,855.00
Finley $698.00 $1,785.00 $628.00 $1,812.00
Five Points $703.00 $1,770.00 $633.00 $1,796.00
Flag Pond $611.00 $1,519.00 $551.00 $1,546.00
Flintville $688.00 $1,777.00 $619.00 $1,804.00
Frankewing $688.00 $1,777.00 $619.00 $1,804.00
Franklin $593.00 $1,774.00 $533.00 $1,807.00
Friendship $698.00 $1,825.00 $627.00 $1,855.00
Friendsville $655.00 $1,738.00 $589.00 $1,776.00
Gadsden $698.00 $1,825.00 $627.00 $1,855.00
Gainesboro $652.00 $1,640.00 $587.00 $1,669.00
Gallatin $661.00 $1,728.00 $593.00 $1,761.00
Gates $698.00 $1,825.00 $628.00 $1,855.00
Gatlinburg $698.00 $1,830.00 $627.00 $1,868.00
Georgetown $629.00 $1,735.00 $564.00 $1,772.00
Germantown $628.00 $2,034.00 $564.00 $2,082.00
Gleason $688.00 $1,754.00 $620.00 $1,780.00
Goodlettsville $653.00 $1,736.00 $586.00 $1,761.00
Goodspring $704.00 $1,770.00 $634.00 $1,796.00
Gordonsville $638.00 $1,754.00 $575.00 $1,786.00
Grand Junction $705.00 $1,825.00 $634.00 $1,855.00
Grandview $689.00 $1,676.00 $619.00 $1,713.00
Granville $652.00 $1,640.00 $587.00 $1,669.00
Graysville $689.00 $1,631.00 $619.00 $1,658.00
Greenback $681.00 $1,738.00 $612.00 $1,776.00
Greenbrier $684.00 $1,728.00 $613.00 $1,761.00
Greeneville $611.00 $1,722.00 $551.00 $1,754.00
Greenfield $688.00 $1,754.00 $620.00 $1,780.00
Grimsley $658.00 $1,848.00 $592.00 $1,817.00
Gruetli Laager $726.00 $1,733.00 $655.00 $1,735.00
Guild $726.00 $1,678.00 $655.00 $1,658.00
Guys $698.00 $1,825.00 $628.00 $1,855.00
Halls $698.00 $1,825.00 $628.00 $1,855.00
Hampshire $672.00 $1,837.00 $604.00 $1,865.00
Hampton $664.00 $1,526.00 $597.00 $1,535.00
Harriman $655.00 $1,757.00 $589.00 $1,776.00
Harrison $660.00 $1,717.00 $592.00 $1,658.00
Harrogate $725.00 $1,822.00 $651.00 $1,861.00
Hartford $716.00 $1,812.00 $643.00 $1,850.00
Hartsville $638.00 $1,738.00 $575.00 $1,770.00
Heiskell $677.00 $1,848.00 $607.00 $1,874.00
Helenwood $658.00 $1,764.00 $592.00 $1,797.00
Henderson $698.00 $1,825.00 $628.00 $1,855.00
Hendersonville $656.00 $1,728.00 $589.00 $1,761.00
Henning $698.00 $1,825.00 $628.00 $1,855.00
Henry $708.00 $1,754.00 $638.00 $1,780.00
Hermitage $655.00 $1,798.00 $587.00 $1,816.00
Hickman $638.00 $1,754.00 $575.00 $1,786.00
Hickory Valley $705.00 $1,825.00 $634.00 $1,855.00
Hilham $652.00 $1,784.00 $587.00 $1,669.00
Hillsboro $624.00 $1,770.00 $563.00 $1,796.00
Hixson $660.00 $1,625.00 $592.00 $1,658.00
Hohenwald $703.00 $1,770.00 $633.00 $1,796.00
Holladay $708.00 $1,754.00 $638.00 $1,780.00
Hollow Rock $688.00 $1,880.00 $620.00 $1,812.00
Hornbeak $698.00 $1,754.00 $627.00 $1,780.00
Hornsby $705.00 $1,825.00 $634.00 $1,855.00
Humboldt $698.00 $1,795.00 $627.00 $1,824.00
Huntingdon $688.00 $1,785.00 $620.00 $1,812.00
Huntland $619.00 $1,714.00 $559.00 $1,740.00
Huntsville $658.00 $1,764.00 $592.00 $1,797.00
Huron $688.00 $1,826.00 $620.00 $1,856.00
Hurricane Mills $686.00 $1,687.00 $619.00 $1,716.00
Indian Mound $703.00 $1,765.00 $634.00 $1,780.00
Iron City $703.00 $1,770.00 $633.00 $1,796.00
Jacks Creek $698.00 $1,825.00 $628.00 $1,855.00
Jacksboro $686.00 $1,835.00 $617.00 $1,874.00
Jackson $698.00 $1,825.00 $628.00 $1,855.00
Jamestown $658.00 $1,853.00 $592.00 $1,817.00
Jasper $726.00 $1,687.00 $655.00 $1,658.00
Jefferson City $694.00 $1,799.00 $624.00 $1,836.00
Jellico $686.00 $1,835.00 $617.00 $1,874.00
Joelton $653.00 $2,025.00 $586.00 $1,797.00
Johnson City $602.00 $1,507.00 $542.00 $1,535.00
Jonesborough $637.00 $1,507.00 $573.00 $1,535.00
Kelso $688.00 $1,777.00 $619.00 $1,804.00
Kenton $698.00 $1,795.00 $627.00 $1,824.00
Kingsport $602.00 $1,575.00 $542.00 $1,535.00
Kingston $655.00 $1,781.00 $589.00 $1,776.00
Kingston Springs $701.00 $1,763.00 $631.00 $1,797.00
Knoxville $662.00 $1,924.00 $594.00 $1,787.00
Kodak $694.00 $1,830.00 $624.00 $1,868.00
Kyles Ford $725.00 $1,822.00 $651.00 $1,861.00
La Follette $686.00 $1,835.00 $617.00 $1,874.00
La Vergne $661.00 $1,800.00 $593.00 $1,831.00
Lafayette $652.00 $1,738.00 $587.00 $1,770.00
Lake City $655.00 $1,835.00 $589.00 $1,874.00
Lancaster $638.00 $1,766.00 $575.00 $1,793.00
Lancing $658.00 $1,864.00 $592.00 $1,763.00
Lascassas $668.00 $1,790.00 $599.00 $1,820.00
Laurel Bloomery $664.00 $1,507.00 $597.00 $1,535.00
Lavinia $688.00 $1,785.00 $620.00 $1,812.00
Lawrenceburg $703.00 $1,770.00 $633.00 $1,796.00
Lebanon $661.00 $1,764.00 $593.00 $1,797.00
Lenoir City $681.00 $1,738.00 $612.00 $1,776.00
Lenox $698.00 $1,785.00 $628.00 $1,812.00
Leoma $703.00 $1,770.00 $633.00 $1,796.00
Lewisburg $661.00 $1,827.00 $595.00 $1,854.00
Lexington $688.00 $1,826.00 $620.00 $1,856.00
Liberty $638.00 $1,766.00 $575.00 $1,793.00
Limestone $637.00 $1,722.00 $573.00 $1,754.00
Linden $686.00 $1,752.00 $619.00 $1,777.00
Livingston $652.00 $1,761.00 $587.00 $1,669.00
Lobelville $686.00 $1,752.00 $619.00 $1,777.00
Lookout Mountain $660.00 $1,625.00 $592.00 $1,658.00
Loretto $703.00 $1,770.00 $633.00 $1,796.00
Loudon $655.00 $1,738.00 $589.00 $1,776.00
Louisville $655.00 $1,738.00 $589.00 $1,776.00
Lupton City $660.00 $1,625.00 $592.00 $1,658.00
Luray $698.00 $1,825.00 $628.00 $1,855.00
Luttrell $725.00 $1,799.00 $651.00 $1,836.00
Lutts $703.00 $1,754.00 $633.00 $1,780.00
Lyles $686.00 $1,705.00 $619.00 $1,735.00
Lynchburg $688.00 $1,777.00 $619.00 $1,804.00
Lynnville $704.00 $1,770.00 $634.00 $1,796.00
Madison $674.00 $1,981.00 $603.00 $1,761.00
Madisonville $655.00 $1,735.00 $589.00 $1,772.00
Manchester $624.00 $1,770.00 $563.00 $1,796.00
Mansfield $708.00 $1,912.00 $638.00 $1,780.00
Martin $688.00 $1,754.00 $620.00 $1,780.00
Maryville $655.00 $1,738.00 $589.00 $1,776.00
Mascot $747.00 $1,750.00 $666.00 $1,787.00
Mason $700.00 $2,034.00 $630.00 $2,082.00
Maynardville $725.00 $1,807.00 $651.00 $1,844.00
Mc Donald $668.00 $1,735.00 $599.00 $1,772.00
Mc Ewen $686.00 $1,751.00 $619.00 $1,716.00
Mc Kenzie $688.00 $1,785.00 $620.00 $1,812.00
Mcminnville $646.00 $1,766.00 $581.00 $1,793.00
Medina $698.00 $1,795.00 $627.00 $1,824.00
Medon $711.00 $1,825.00 $639.00 $1,855.00
Memphis $671.00 $2,431.00 $602.00 $2,486.00
Mercer $711.00 $1,825.00 $639.00 $1,855.00
Michie $698.00 $1,825.00 $628.00 $1,855.00
Middleton $705.00 $1,825.00 $634.00 $1,855.00
Midway $611.00 $1,722.00 $551.00 $1,754.00
Milan $698.00 $1,795.00 $627.00 $1,824.00
Milledgeville $698.00 $1,825.00 $628.00 $1,855.00
Millington $700.00 $2,266.00 $630.00 $2,316.00
Milton $668.00 $1,790.00 $599.00 $1,820.00
Minor Hill $704.00 $1,770.00 $634.00 $1,796.00
Mohawk $611.00 $1,722.00 $551.00 $1,754.00
Monroe $652.00 $1,760.00 $587.00 $1,669.00
Monteagle $726.00 $1,663.00 $655.00 $1,658.00
Monterey $634.00 $1,668.00 $571.00 $1,669.00
Mooresburg $652.00 $1,626.00 $586.00 $1,535.00
Morris Chapel $688.00 $1,754.00 $620.00 $1,780.00
Morrison $646.00 $1,766.00 $581.00 $1,793.00
Morristown $655.00 $1,811.00 $589.00 $1,850.00
Moscow $705.00 $2,034.00 $634.00 $2,082.00
Mosheim $611.00 $1,722.00 $551.00 $1,754.00
Moss $652.00 $1,646.00 $587.00 $1,669.00
Mount Carmel $652.00 $1,520.00 $586.00 $1,535.00
Mount Juliet $657.00 $1,764.00 $590.00 $1,797.00
Mount Pleasant $672.00 $1,837.00 $604.00 $1,865.00
Mountain City $664.00 $1,845.00 $597.00 $1,624.00
Mulberry $688.00 $1,777.00 $619.00 $1,804.00
Munford $700.00 $2,266.00 $630.00 $2,316.00
Murfreesboro $635.00 $1,790.00 $571.00 $1,820.00
Nashville $595.00 $1,949.00 $535.00 $1,816.00
New Johnsonville $686.00 $1,687.00 $619.00 $1,716.00
New Market $694.00 $1,799.00 $624.00 $1,836.00
New Tazewell $725.00 $1,822.00 $651.00 $1,861.00
Newbern $698.00 $1,785.00 $628.00 $1,812.00
Newcomb $686.00 $1,835.00 $617.00 $1,874.00
Newport $716.00 $1,832.00 $643.00 $1,850.00
Niota $655.00 $1,735.00 $589.00 $1,772.00
Nolensville $655.00 $1,800.00 $588.00 $1,831.00
Normandy $697.00 $1,770.00 $624.00 $1,796.00
Nunnelly $686.00 $1,737.00 $619.00 $1,735.00
Oak Ridge $655.00 $1,835.00 $589.00 $1,874.00
Oakdale $658.00 $1,870.00 $592.00 $1,763.00
Oakfield $698.00 $1,825.00 $628.00 $1,855.00
Oakland $711.00 $2,034.00 $640.00 $2,082.00
Obion $698.00 $1,754.00 $627.00 $1,780.00
Ocoee $655.00 $1,735.00 $589.00 $1,772.00
Old Fort $655.00 $1,735.00 $589.00 $1,772.00
Old Hickory $674.00 $1,783.00 $603.00 $1,816.00
Olivehill $688.00 $1,754.00 $620.00 $1,780.00
Oliver Springs $655.00 $1,835.00 $589.00 $1,874.00
Oneida $658.00 $1,764.00 $592.00 $1,797.00
Only $686.00 $1,731.00 $619.00 $1,735.00
Ooltewah $660.00 $1,625.00 $592.00 $1,658.00
Orlinda $684.00 $1,728.00 $613.00 $1,761.00
Pall Mall $658.00 $1,786.00 $592.00 $1,817.00
Palmer $726.00 $1,709.00 $655.00 $1,735.00
Palmersville $688.00 $1,754.00 $620.00 $1,780.00
Palmyra $717.00 $1,763.00 $643.00 $1,797.00
Paris $708.00 $1,754.00 $638.00 $1,780.00
Parrottsville $716.00 $1,833.00 $643.00 $1,850.00
Parsons $688.00 $1,754.00 $620.00 $1,780.00
Pegram $701.00 $1,763.00 $631.00 $1,797.00
Pelham $726.00 $1,721.00 $655.00 $1,735.00
Petersburg $688.00 $1,777.00 $619.00 $1,804.00
Philadelphia $655.00 $1,738.00 $589.00 $1,776.00
Pigeon Forge $698.00 $1,830.00 $627.00 $1,868.00
Pikeville $726.00 $1,625.00 $655.00 $1,658.00
Piney Flats $603.00 $1,530.00 $542.00 $1,535.00
Pinson $711.00 $1,825.00 $639.00 $1,855.00
Pioneer $686.00 $1,764.00 $617.00 $1,797.00
Pleasant Shade $638.00 $1,704.00 $575.00 $1,735.00
Pleasant View $707.00 $1,763.00 $636.00 $1,797.00
Pocahontas $705.00 $1,825.00 $634.00 $1,855.00
Portland $674.00 $1,728.00 $604.00 $1,761.00
Powder Springs $725.00 $1,799.00 $651.00 $1,836.00
Powell $677.00 $1,868.00 $607.00 $1,787.00
Primm Springs $593.00 $1,950.00 $533.00 $1,807.00
Prospect $704.00 $1,770.00 $634.00 $1,796.00
Pulaski $704.00 $1,770.00 $634.00 $1,796.00
Puryear $708.00 $1,754.00 $638.00 $1,780.00
Quebeck $638.00 $1,712.00 $575.00 $1,713.00
Ramer $698.00 $1,825.00 $628.00 $1,855.00
Readyville $646.00 $1,790.00 $581.00 $1,820.00
Reagan $688.00 $1,826.00 $620.00 $1,856.00
Red Boiling Springs $652.00 $1,738.00 $587.00 $1,770.00
Reliance $655.00 $1,735.00 $589.00 $1,772.00
Riceville $655.00 $1,735.00 $589.00 $1,772.00
Rickman $652.00 $1,767.00 $587.00 $1,669.00
Riddleton $638.00 $1,754.00 $575.00 $1,786.00
Ridgely $698.00 $1,754.00 $628.00 $1,780.00
Ripley $698.00 $1,825.00 $628.00 $1,855.00
Rives $698.00 $1,754.00 $627.00 $1,780.00
Roan Mountain $664.00 $1,566.00 $597.00 $1,535.00
Robbins $658.00 $1,764.00 $592.00 $1,797.00
Rock Island $646.00 $1,702.00 $581.00 $1,727.00
Rockford $655.00 $1,791.00 $589.00 $1,776.00
Rockvale $661.00 $1,790.00 $593.00 $1,820.00
Rockwood $655.00 $1,761.00 $589.00 $1,776.00
Rogersville $652.00 $1,665.00 $586.00 $1,535.00
Rossville $711.00 $2,034.00 $640.00 $2,082.00
Russellville $655.00 $1,811.00 $589.00 $1,850.00
Rutherford $698.00 $1,795.00 $627.00 $1,824.00
Rutledge $725.00 $1,799.00 $651.00 $1,836.00
Saint Joseph $703.00 $1,770.00 $633.00 $1,796.00
Sale Creek $663.00 $1,625.00 $595.00 $1,658.00
Saltillo $688.00 $1,754.00 $620.00 $1,780.00
Santa Fe $672.00 $1,894.00 $604.00 $1,865.00
Sardis $688.00 $1,754.00 $620.00 $1,780.00
Saulsbury $705.00 $1,825.00 $634.00 $1,855.00
Savannah $688.00 $1,754.00 $620.00 $1,780.00
Scotts Hill $688.00 $1,754.00 $620.00 $1,780.00
Selmer $698.00 $1,825.00 $628.00 $1,855.00
Sequatchie $726.00 $1,749.00 $655.00 $1,658.00
Sevierville $694.00 $1,830.00 $624.00 $1,868.00
Sewanee $619.00 $1,724.00 $559.00 $1,740.00
Seymour $694.00 $1,830.00 $624.00 $1,868.00
Shady Valley $664.00 $1,507.00 $597.00 $1,535.00
Sharon $688.00 $1,754.00 $620.00 $1,780.00
Sharps Chapel $725.00 $1,807.00 $651.00 $1,844.00
Shelbyville $697.00 $1,829.00 $624.00 $1,856.00
Sherwood $619.00 $1,714.00 $559.00 $1,740.00
Shiloh $688.00 $1,754.00 $620.00 $1,780.00
Signal Mountain $660.00 $1,625.00 $592.00 $1,658.00
Silver Point $634.00 $1,688.00 $571.00 $1,669.00
Smithville $638.00 $1,766.00 $575.00 $1,793.00
Smyrna $661.00 $1,790.00 $593.00 $1,820.00
Sneedville $725.00 $1,822.00 $651.00 $1,861.00
Soddy Daisy $663.00 $1,625.00 $595.00 $1,658.00
Somerville $705.00 $2,034.00 $634.00 $2,082.00
South Fulton $698.00 $1,754.00 $627.00 $1,780.00
South Pittsburg $726.00 $1,671.00 $655.00 $1,658.00
Southside $717.00 $1,763.00 $643.00 $1,797.00
Sparta $638.00 $1,676.00 $575.00 $1,713.00
Speedwell $725.00 $1,822.00 $651.00 $1,861.00
Spencer $646.00 $1,709.00 $581.00 $1,735.00
Spring City $689.00 $1,625.00 $619.00 $1,658.00
Spring Hill $668.00 $1,837.00 $601.00 $1,865.00
Springfield $720.00 $1,728.00 $646.00 $1,761.00
Springville $708.00 $1,765.00 $638.00 $1,780.00
Stanton $705.00 $1,825.00 $634.00 $1,855.00
Stantonville $698.00 $1,825.00 $628.00 $1,855.00
Stewart $701.00 $1,793.00 $632.00 $1,716.00
Strawberry Plains $694.00 $1,807.00 $624.00 $1,844.00
Sugar Tree $688.00 $1,754.00 $620.00 $1,780.00
Summertown $703.00 $1,770.00 $633.00 $1,796.00
Sunbright $658.00 $1,872.00 $592.00 $1,763.00
Surgoinsville $652.00 $1,576.00 $586.00 $1,535.00
Sweetwater $655.00 $1,735.00 $589.00 $1,772.00
Taft $688.00 $1,777.00 $619.00 $1,804.00
Talbott $655.00 $1,811.00 $589.00 $1,850.00
Tallassee $655.00 $1,738.00 $589.00 $1,776.00
Tazewell $725.00 $1,822.00 $651.00 $1,861.00
Telford $637.00 $1,507.00 $573.00 $1,535.00
Tellico Plains $655.00 $1,735.00 $589.00 $1,772.00
Ten Mile $629.00 $1,738.00 $564.00 $1,776.00
Tennessee Ridge $701.00 $1,793.00 $632.00 $1,716.00
Thompsons Station $677.00 $1,774.00 $607.00 $1,807.00
Thorn Hill $725.00 $1,799.00 $651.00 $1,836.00
Tiptonville $698.00 $1,754.00 $628.00 $1,780.00
Toone $705.00 $1,825.00 $634.00 $1,855.00
Townsend $655.00 $1,738.00 $589.00 $1,776.00
Tracy City $726.00 $1,762.00 $655.00 $1,735.00
Trade $664.00 $1,850.00 $597.00 $1,628.00
Trenton $698.00 $1,795.00 $627.00 $1,824.00
Trezevant $688.00 $1,785.00 $620.00 $1,812.00
Trimble $698.00 $1,785.00 $628.00 $1,812.00
Troy $698.00 $1,754.00 $627.00 $1,780.00
Tullahoma $624.00 $1,770.00 $563.00 $1,796.00
Turtletown $655.00 $1,735.00 $589.00 $1,772.00
Unicoi $611.00 $1,516.00 $551.00 $1,546.00
Union City $698.00 $1,754.00 $627.00 $1,780.00
Unionville $697.00 $1,829.00 $624.00 $1,856.00
Vanleer $700.00 $1,735.00 $631.00 $1,746.00
Vonore $655.00 $1,735.00 $589.00 $1,772.00
Walland $655.00 $1,738.00 $589.00 $1,776.00
Walling $638.00 $1,712.00 $575.00 $1,713.00
Wartburg $658.00 $1,870.00 $592.00 $1,763.00
Wartrace $697.00 $1,829.00 $624.00 $1,856.00
Washburn $725.00 $1,799.00 $651.00 $1,836.00
Watauga $664.00 $1,526.00 $597.00 $1,535.00
Watertown $661.00 $1,764.00 $593.00 $1,797.00
Waverly $686.00 $1,859.00 $619.00 $1,716.00
Waynesboro $703.00 $1,754.00 $633.00 $1,780.00
Westmoreland $674.00 $1,728.00 $604.00 $1,761.00
Westpoint $703.00 $1,770.00 $633.00 $1,796.00
Westport $688.00 $1,785.00 $620.00 $1,812.00
White Bluff $700.00 $1,715.00 $631.00 $1,746.00
White House $684.00 $1,728.00 $613.00 $1,761.00
White Pine $694.00 $1,799.00 $624.00 $1,836.00
Whites Creek $653.00 $2,030.00 $586.00 $1,791.00
Whitesburg $655.00 $1,811.00 $589.00 $1,850.00
Whiteside $726.00 $1,708.00 $655.00 $1,658.00
Whiteville $705.00 $1,825.00 $634.00 $1,855.00
Whitleyville $652.00 $1,640.00 $587.00 $1,669.00
Whitwell $726.00 $1,687.00 $655.00 $1,658.00
Wilder $652.00 $1,786.00 $587.00 $1,817.00
Wildersville $688.00 $1,826.00 $620.00 $1,856.00
Williamsport $672.00 $1,891.00 $604.00 $1,865.00
Williston $705.00 $2,034.00 $634.00 $2,082.00
Winchester $619.00 $1,719.00 $559.00 $1,740.00
Winfield $658.00 $1,764.00 $592.00 $1,797.00
Woodbury $646.00 $1,766.00 $581.00 $1,793.00
Woodlawn $671.00 $1,763.00 $602.00 $1,797.00
Yuma $688.00 $1,785.00 $620.00 $1,812.00

Finding Auto Insurance Resources in Tennessee

The Department of Commerce and Insurance provides information on rate changes for insurance companies. The listing can give you a starting point to find an insurance company. It also publishes a guide with tips about auto insurance that explains coverage types in an auto policy and how insurers determine your rate.

Buying Auto Insurance in Tennessee

The Department of Commerce and Insurance has a list of some insurance companies that write policies in Tennessee. You'll want to compare the rates and coverages of several companies to find the best policy for you.

Insurance companies use a lot of information to determine the rate someone pays for a policy. The driving records of you and others on your policy are important factors. Companies also use information from your credit report. Most insurance companies use your credit report to come up with a credit-based insurance score. Studies show a correlation between your insurance score and the likelihood of filing a claim.

Moving to Tennessee: Important Information

You can register your vehicle in Tennessee by submitting an application through the office of your local county clerk. Depending on the county, you may have to get an emission test. You'll also need your current registration, the title or the information for your lien holder, and proof of identification and residency. Acceptable items for proof of identification include:

  • Driver's license or photo ID.
  • Proof of citizenship, such as a birth certificate.
  • Military identification card.
  • Immigration documentation.

To get a Tennessee driver's license, you must show proof of residency with at least two pieces of acceptable information that includes your name and address, such as a utility bill or bank statement. You also need to show proof that you legally live in the United States.

Understanding Driving Laws in Tennessee

Tennessee enforces many driving laws to keep its residents safe on the roadways, including:

  • It is illegal to text while driving.
  • You must move over or slow down when passing a stopped emergency vehicle with its lights on. The driver and all passengers must wear seat belts.
  • Children younger than 8 who meet height restrictions must be in a child restraint device, and infants must be in a rear-facing child restraint device.
  • Speeding through construction zones carries a hefty fine.

If you’re convicted of driving under the influence of alcohol in Tennessee, you are subject to a fine and jail time. You face greater penalties if children are in the car. You'll also have to pay to have your car towed and stored while you sort through your legal issues.

Frequently Asked Questions About Tennessee Auto Insurance

1. Why do you need auto insurance?

Insurance covers you in case of an accident where you or a vehicle suffers damage as a result. It also covers anyone else involved in an accident that you caused. Tennessee law doesn't require insurance, but if you don't have it, you have to prove you can pay for injuries or damage in the event of an accident.

2. How much insurance do you need?

Tennessee state law sets minimum liability limits. If you finance your car, your lender will most likely require you to have collision and comprehensive coverage as well. You can also purchase gap coverage, which protects you if you owe more than your car is worth.

3. Where can you find information on getting insurance in Tennessee?

Start with the Tennessee Department of Commerce and Insurance. You can also contact individual insurance companies for information to compare rates and coverage.

How to Get Great Rates on Tennessee Auto Insurance

Finding an auto insurance quote can seem overwhelming – but insuranceQuotes.com helps you find the best car insurance policy at the best price. Every year, we match 15 million consumers to the nation’s biggest auto insurance companies, including State Farm, Allstate and Liberty Mutual.

insuranceQuotes.com connects you with local and national insurance companies that give you free car insurance estimates by phone or email within minutes. By comparing multiple quotes, you can be sure that you’re getting the best price for car insurance.

Tennessee Auto Insurance Resources

Need more than just Tennessee free car insurance quotes? In addition to your Tennessee auto insurance quotes, here are some resources that may help.

Tennessee Insurance Division – Cars and Transportation

Information for Tennessee residents on state insurance laws and regulations

http://www.tn.gov/safety/FinancialResponsibility/fraffidavitssr22.shtml

Tennessee Department of Safety

An online resource for driver education, licensing and vehicle registration

http://state.tn.us/safety/

Tennessee Cell Phone Driving Laws

Can you talk and drive in Tennessee?

http://www.ghsa.org/html/stateinfo/laws/cellphone_laws.html

insuranceQuotes.com Auto Rate Methodology

Rates are based on one vehicle and one driver who has state minimum coverage with $500 deductibles. The hypothetical driver is 35 years old, female or male, employed, a college graduate, and has good credit. She has no traffic violations, claims, or lapse in coverage. The vehicle is assumed to be a sedan that is garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Rates include commonly available carrier discounts and are estimates and not guaranteed.

Average cost of car insurance by state

Find out how a county’s insurance rate stacks up against the state average, as well as how it fares against other counties in the state.

Use our interactive map to find out:

  • How your state compares to the national average
  • How your county compares to the state average
  • How your ZIP compares to the county

Use the "Select state" or "Select county" dropdown menu to choose your state, then your county.

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