Short answer: car insurance in Tennessee depends on your ZIP code, coverage level and driver/home profile. Tennessee's state minimum car insurance is 25/50/15. Compare free quotes from licensed partners in ~2 minutes. The average annual car insurance premium in Tennessee is about $1,050 (NAIC, 2023); your exact rate depends on coverage and profile.
Updated August 2026
Tennessee car insurance basicsTennessee is an
at-fault (tort) state for auto insurance. Minimum car insurance in Tennessee:
25/50/15 — $25k bodily injury/person, $50k/accident, $15k property damage. Statewide average premium:
~$1,050/yr (NAIC, 2023).
Verify with the state insurance department →
Cities in Tennessee
Tennessee car insurance FAQ
How much is car insurance in Tennessee?
The average annual car insurance premium in Tennessee is about $1,050 (NAIC, 2023); your rate varies by city, ZIP, coverage and profile. Compare free quotes from licensed partners.
How do I get cheap car insurance in Tennessee?
Compare multiple carriers, bundle policies, and check local Tennessee discounts. Get free quotes in a couple of minutes.
Also compare home insurance in Tennessee →