Auto Insurance in Tennessee — Average Cost 2026
Average auto insurance in Tennessee: $1,570/year ($131/month). Tennessee ranks #18 out of 51 states — below the national average.
Average annual
$1,570
Average monthly
$131
National rank
#18
of 51 states
vs national avg
-11.8%
Tennessee vs national average
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Auto insurance in Tennessee
Tennessee sits 12% below the national average for auto insurance, reflecting the state's lower population density, fewer severe weather events, and lower-than-average litigation rates. Drivers in Tennessee tend to benefit from competitive rates across major insurers.
As with any state, your individual rate depends on your driving record, vehicle, coverage level, and the specific insurer you choose. Comparing multiple quotes can still save Tennessee drivers hundreds of dollars annually.