Best Companies in Tennessee for Car Insurance

You can find most major car insurance companies in TN. The average rates for full coverage in the state are $68.65/mo, but comparison shopping may lower your bill.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 26, 2021

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

Shopping for car insurance can be a daunting task, especially in Tennessee where state law requires that all drivers have it.

Premiums are often exorbitant and can vary widely, which is why comparison shopping is so important.

In addition to being required by Tennessee state auto insurance laws, having auto insurance will alleviate the costs of repairs either to your own vehicle or to the other car involved in any accidents.

Try our FREE quote comparison tool at the top of this page and start saving today!

Tennessee Car Insurance Requirements

In Tennessee, state law requires that all motorists have the minimum car insurance:

  • $25,000 for bodily injury per person
  • $50,000 for total bodily injury per accident
  • $15,000 for property damage

In addition to having a policy, all motorists are required to have proof of car insurance in their car at all times.

Not having this information is a Class C misdemeanor with a penalty of a $100 fine and license suspension.

A STOP is also put into the registration file, which prevents you from renewing the car’s registration.

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Car Insurance Rates in Tennessee

Car insurance premiums vary depending on several factors, and each company has its own algorithm based on an assessment of risk to calculate premiums.

However, each company also has its own formula for determining discounts to premiums.

The same risk factors are assessed to determine discounts and premiums.

Risk factors that affect premiums can include:

  • Age
  • Gender
  • Location
  • Marital Status
  • Credit History
  • Accident History

Farm Bureau, Geico, and Allstate are three major Tennessee car insurance companies. Others include State Farm, Nationwide, Liberty Mutual, and Progressive.

Each company offers different discounts and other services for the consumer, including homeowners or life insurance.

Tennessee Farm Bureau Car Insurance

Tennessee Farm Bureau offers car, home, and life insurance.

Although the Farm Bureau was formed to aid farmers, it is not required that you be a farmer in order to purchase an insurance policy.

Farm bureau has offices all over the state, so it will be easy to find an agent in your local area.

Personalized Farm Bureau car insurance quotes can be received from their website.

To obtain a quote, you must enter information about your driving history, location, and other details necessary.

Allstate Car Insurance

Allstate offers personalized insurance quotes from Allstate.

Allstate also has a feature which provides a ballpark estimate of insurance premiums.

However, for an accurate quote, you must submit personal information.

Allstate also has offices statewide and some Spanish-speaking agents.

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Geico Car Insurance

Geico’s quote for coverage at the state minimum level is $251.50 without comprehensive coverage.

Geico earned a four-star rating in pricing by JD Power and Associates in a 2009 survey of car insurance companies.

Finding Car Insurance in Tennessee

Car insurance premiums vary from company to company, person to person, and car to car.

Make sure you have all the coverage needed according to Tennessee state law at the best price possible.

Getting a personalized quote or a ballpark estimate is the best way to compare prices.

Comparing car insurance rates is simple with our FREE ZIP code search above.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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