Estimated result
$0 monthly paymentEducational estimate only. Actual loan, insurance, tax, and fee amounts vary.
Tennessee insurance cost table
| Annual average expenditure | $1,211.71 |
|---|---|
| Monthly average expenditure | $101 |
| Countrywide average | $1,438.46 |
| Difference from countrywide average | -16% |
How Tennessee compares
Tennessee is below the countrywide NAIC average by about 16%. This page uses that state average as a starting point, then lets you adjust vehicle value, coverage level, and driver profile.
That comparison does not mean every driver in Tennessee should expect the same bill. A driver in a dense metro area, a household with multiple vehicles, a new teen driver, or a policy with higher limits can land far away from the statewide average.
Why Tennessee car insurance quotes can vary
This Tennessee page gives a state-specific starting point, then points users toward a real quote and total monthly car budget.
Drivers in larger Tennessee markets and rural areas can see different quotes because insurers price more than the statewide average.
The most important quote movers are usually ZIP code, vehicle value, coverage limits and deductible choices, annual mileage, claim history, driver mix, discounts, and the insurer quoting the policy. Use the average as a planning baseline, then replace it with a real quote before committing to a car payment.
Minimum coverage vs. full coverage in Tennessee
The NAIC expenditure average is not the same thing as a minimum-coverage quote or a full-coverage quote. Minimum coverage is usually cheaper, while financed or leased vehicles often require comprehensive and collision coverage that can raise the monthly cost.
If you are shopping for a financed vehicle in Tennessee, compare the loan payment and the insurance quote together. A vehicle that fits the payment target can become too expensive once full coverage, deductibles, and lender requirements are included.
What can push a Tennessee quote higher or lower
State averages are useful for context, but insurers price individual policies with more detail. Your final quote can move based on the vehicle, ZIP code, coverage limits, deductible, claim history, annual mileage, discounts, and household driver mix.
- Quote insurance before signing for a vehicle, especially if it is new, leased, financed, or expensive to repair.
- Compare the same liability limits, deductibles, and optional coverages across insurers.
- Use the total cost calculator after you have a quote so the insurance cost is included in the car budget.
States with similar average costs
| State | Annual average | Monthly average |
|---|---|---|
| Kentucky | $1,208.29 | $101 |
| Minnesota | $1,223.42 | $102 |
| West Virginia | $1,227.39 | $102 |
| Washington | $1,234.68 | $103 |
Methodology
Insurance values come from the NAIC 2023 Auto Insurance Database Average Premium Supplement average expenditure table. The calculator is not a quote. It applies simple multipliers to a state average so users can test scenarios before requesting actual insurer quotes.
Tennessee car insurance FAQ
How much is car insurance in Tennessee per month?
The NAIC 2023 average expenditure for Tennessee works out to about $101 per month. Your actual quote can be higher or lower based on ZIP code, vehicle, coverage, deductible, driving history, and discounts.
Is car insurance expensive in Tennessee?
Tennessee is about 16% below the countrywide NAIC average. That statewide comparison is useful for planning, but individual quotes can vary widely.
What changes a Tennessee car insurance quote?
Common quote factors include ZIP code, vehicle value, coverage limits and deductible choices, annual mileage, claim history, household drivers, credit-based insurance factors where allowed, and the insurer's own pricing model.
Related Tennessee calculators
Tennessee auto loan calculator, Tennessee affordability calculator, and total car cost calculator.