Car insurance in Tennessee is cheaper than most states.

The average driver here pays $1,212/year — 16% below the national average, and higher than 17 of 50 other states.

$1,212

avg full coverage
per year

All 51 states by costYou're here ↓

$926 · Maine$1,994 · Florida

● Tennessee is in the 33rd percentile nationally

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$1,212 /yr

Tennessee average · full coverage · clean record

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What affects your rate in Tennessee

Tennessee's average premium is 16% below the national average of $1,438, ranking #34 of 51 states by cost. NAIC cautions that state-to-state comparisons reflect differing coverage mixes, urban density and required coverages, not just carrier pricing.

How Tennessee compares

Average full-coverage premium per year
Benchmark	Per year
Tennessee	$1,212
National average	$1,438
Most expensive — Florida	$1,994
Cheapest — Maine	$926

Source: NAIC 2022/2023 Auto Insurance Database Report (combined average premium per insured vehicle, 2023 data, released February 2026).

About this estimate. The base figure is the NAIC combined average premium for Tennessee (liability + collision + comprehensive, 2023). The calculator applies published industry multipliers (age, credit, record, coverage) from secondary sources (Bankrate / ValuePenguin modeled rates) and is an estimate for informational purposes only — not an insurance quote or offer. Credit-tier adjustments are not applied in states that ban credit-based insurance scoring (California, Hawaii, Massachusetts, Michigan).