🚗 Car insurance cost in Tennessee (2026)
The estimated average is $1,935 per year — below the national average (-10% vs. the U.S. average of $2,150).
Tennessee is home to about 7.1 million people, and car insurance here runs below the national average. Below, estimate a price for your own profile, then drill into your city — rates in a large metro like Nashville typically differ from smaller towns.
Estimate your car insurance in Tennessee
Tennessee car insurance estimator
Starts from the Tennessee average. Estimate only — get quotes to confirm.
Car insurance cost in Tennessee cities
| City | Population | Est. car insurance |
|---|---|---|
| Nashville | 687,788 | $2,090 |
| Memphis | 618,639 | $2,090 |
| Knoxville | 198,098 | $1,935 |
| Chattanooga | 187,030 | $1,935 |
| Clarksville | 179,584 | $1,935 |
| Murfreesboro | 161,010 | $1,935 |
Tennessee car insurance FAQ
How much is car insurance in Tennessee?
The estimated average car insurance in Tennessee is $1,935 per year, which is below the national average (-10% vs. the U.S. average of $2,150). Tennessee ranks 35 of 51 states from most to least expensive.
Why is car insurance cheaper in Tennessee?
Car insurance pricing in Tennessee reflects local risk factors — weather and catastrophe exposure, accident/claim frequency, repair and medical costs, and state regulation. That’s why costs differ across the South.
How can I save on car insurance in Tennessee?
Compare at least three quotes from insurers active in Tennessee, bundle policies, and re-shop every year. Use the calculator above to see how your profile changes the price.