For a 40-year-old driver with a clean record, Hendersonville car insurance averages about $177 a month ($2,129 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 5% below the Tennessee average of $187 a month. Progressive has the lowest full-coverage average among the three major insurers we compared (Allstate, GEICO and Progressive), at about $121 a month.
Hendersonville costs less than Nashville for our benchmark driver: about $15 a month less than Nashville and about $10 a month less than the Tennessee average.
Hendersonville has one ZIP code in our data, 37075.
Cost data comes from the auto rates insurers file with state regulators, priced in Hendersonville’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Hendersonville, TN?
Full coverage in Hendersonville averages $2,129 a year, or about $177 a month, for our benchmark driver. Liability-only coverage at 25/50/15 limits averages $708 a year ($59 a month), and 50/100/50 liability with comprehensive and collision averages $2,075 ($173 a month).
- Full coverage (100/300/100, $500 deductibles): $2,129 a year ($177 a month)
- 50/100/50 with $500 deductibles: $2,075 a year ($173 a month)
- Liability only (25/50/15): $708 a year ($59 a month)
- Sumner County: $2,086 a year ($174 a month) for full coverage
- Tennessee average: $2,238 a year ($187 a month) for full coverage
Cheap Car Insurance in Hendersonville: Companies Compared
- Lowest average among the three major insurers we compared, full coverage: Progressive, at about $121 a month ($1,453 a year).
- Next lowest: GEICO, at about $159 a month.
- Liability only (25/50/15): about $33 to $87 a month across the three insurers.
- State Farm (Nov. 2025 rates)*: about $193 a month for full coverage, from its November 2025 rates.
- Also on our list: Travelers at about $112 a month, USAA at $115, Auto-Owners at $134, Tennessee Farm Bureau at $151 and Erie at $157 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $253 a month, $1,578 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the three insurers in our Hendersonville rate data. The published 2026 statewide Tennessee rate studies we reviewed most often rank Travelers cheapest for full coverage: four of the six put it first, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/15 limits, averages run from about $33 to $87 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Hendersonville
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/15 (Yearly): | Liability Only 25/50/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $398 | $33 | $1,453 | $121 |
| GEICO | $685 | $57 | $1,904 | $159 |
| Allstate | $1,042 | $87 | $3,031 | $253 |
| State Farm (Nov. 2025 rates)* | $642 | $54 | $2,313 | $193 |
| Travelers* | $480 | $40 | $1,340 | $112 |
| USAA (military families)* | $415 | $35 | $1,380 | $115 |
| Auto-Owners* | $513 | $43 | $1,613 | $134 |
| Tennessee Farm Bureau* | $484 | $40 | $1,816 | $151 |
| Erie Insurance* | $505 | $42 | $1,886 | $157 |
| Hendersonville average | $708 | $59 | $2,129 | $177 |
This table uses Hendersonville’s ZIP code only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Your ZIP code matters
How Much More Does Better Coverage Cost in Hendersonville?
Raising liability limits from 50/100/50 to 100/300/100 adds only about $54 a year on average in our Hendersonville data, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. GEICO charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Hendersonville?
No, for our benchmark driver. Comparing the same insurers in the same Hendersonville ZIP code, full coverage averaged $2,129 a year both nine months earlier and in rates as of Aug. 31, 2026. Progressive cut its Hendersonville average 5.2%, while GEICO raised its average 4.4%; Allstate’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/15 limits rose 5.7%, led by Progressive, which raised its liability-only average 17.1%.
What Shapes Car Insurance Costs in Hendersonville
Sumner County averages about $174 a month for full coverage, the 54th-most expensive of the 89 Tennessee counties we price.
Gallatin, the county seat to the northeast, averages about $171 a month, and Goodlettsville, to the west, $188. Where you live is one of the factors Tennessee insurers use, so neighboring cities can be priced differently.
How Hendersonville Car Insurance Compares With Other Tennessee Cities
More Tennessee cities and towns are in the Tennessee rates by city table, and you can compare states on our car insurance rates by state page.
Nashville, about 15 miles southwest, averages $192 a month, and Clarksville $191.
What Car Insurance Is Required in Hendersonville?
Drivers in Hendersonville follow Tennessee’s rules. Every vehicle must be covered by at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
- Or a $65,000 single-limit policy instead of split limits
Our Tennessee requirements guide covers the details and how the state checks your coverage.
How to Lower Your Car Insurance Rate in Hendersonville
- Compare Progressive and GEICO first. They have the two lowest full-coverage averages among the three major insurers we compared in Hendersonville, about $121 and $159 a month.
- Quote several insurers. Among the three major insurers we compared in Hendersonville, the lowest and highest averages are about $132 a month apart for the same driver and car.
- Plan for higher lapse fees. From July 1, 2027, under Public Chapter 1077, the fee for a coverage lapse the state can’t confirm rises from $25 to $500, and to $1,000 if you keep ignoring notices.
- Compare at every renewal. Over the past nine months, Progressive has cut its Hendersonville average 5.2%, while GEICO has raised its average 4.4%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Tennessee, then compare free home insurance quotes.
Ready to compare
How We Calculated Hendersonville Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: three full-coverage premiums from three insurers in Hendersonville’s ZIP code, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Tennessee averages come from three insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at 25/50/15 limits, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Tennessee’s minimum is now 25/50/25, so our liability-only prices use lower limits than the law requires.
- Calculation: for each insurer we take its lowest eligible price in Hendersonville’s ZIP code. The overall average is the mean of those prices. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in that ZIP code and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP code, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other three insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 Tennessee rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Tennessee law and the Tennessee Department of Commerce and Insurance. We refresh these figures when new rate data is released.
Hendersonville Car Insurance FAQ
For our benchmark driver, full coverage in Hendersonville averages about $177 a month ($2,129 a year) and liability-only coverage at 25/50/15 limits about $59 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 5% below the Tennessee average of $187 a month.
Progressive has the lowest full-coverage average in our Hendersonville rate data, at about $121 a month, followed by GEICO at $159. For liability-only coverage at 25/50/15 limits, averages run from about $33 to $87 a month. Four of the six published 2026 statewide Tennessee rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Hendersonville, for our benchmark driver. Hendersonville full coverage averages about $177 a month and Nashville about $192, a difference of about $15 a month for the same driver and car.
Gallatin, by a little, for our benchmark driver. Gallatin full coverage averages about $171 a month and Hendersonville about $177.
In our Hendersonville data, full coverage (100/300/100 with $500 deductibles) averages about $177 a month and liability-only coverage at 25/50/15 limits about $59, a difference of about $118 a month ($1,421 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Tennessee law doesn’t require full coverage, but a lender or leasing company may.
No, for our benchmark driver. Comparing the same insurers and ZIP code, Hendersonville full coverage was essentially unchanged over the past nine months, at about $2,129 a year in both. Progressive cut its Hendersonville average 5.2%, while GEICO raised its average 4.4%. Liability-only coverage at 25/50/15 limits rose 5.7%.
For our benchmark driver, full coverage in Hendersonville averages about $177 a month. Nearby, Nashville averages about $192, Franklin about $169 and Murfreesboro about $174. Franklin and Murfreesboro are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
