- Car insurance cost in Tennessee averages $2,432 per year, or $203 as a monthly expense.
- Tennessee ranks sixth out of 12 states in the Southeast region for car insurance affordability.
- A few of the top 50 vehicles with cheap car insurance in Tennessee include the Kia Soul, Subaru Crosstrek, Chevrolet Trailblazer, Nissan Kicks, and Honda Passport.
How much does car insurance cost in Tennessee?
Average car insurance rates in Tennessee cost $2,432 per year, or about $203 per month, which is 6.6% more than the U.S. average rate of $2,276.
Average annual and monthly car insurance rates in Tennessee for the top five most popular vehicles in the state are shown below.
- Ford F-150 pickup – $2,724 per year ($227 per month)
- Honda CR-V compact SUV – $2,076 per year ($173 per month)
- Chevrolet Equinox compact SUV – $2,242 per year ($187 per month)
- Toyota RAV4 compact SUV – $2,244 per year ($187 per month)
- Chevrolet Silverado pickup – $2,692 per year ($224 per month)
Other top-selling vehicles in Tennessee and their average annual car insurance cost include the Nissan Rogue at $2,188 per year, the Toyota Camry at $2,616, the Toyota Corolla at $2,374, and the Ford Explorer with an average cost of $2,210 per year.
The chart below shows car insurance cost in Tennessee averaged for all 2024 model year vehicles. Driver ages 20 through 60 are included as well as rates for three different policy deductible levels.
When the annual rates in the chart above are converted to a monthly amount, the average cost of car insurance per month in Tennessee ranges from $143 to $475 for the example risk profiles.
Average car insurance quotes for teen drivers in Tennessee range from $5,794 per year for full coverage car insurance for a 19-year-old female driver up to $8,667 per year for insurance on a 16-year-old male driver.
Car insurance for 17-year-olds ranges from $8,048 to $8,397 per year and average car insurance cost for 18-year-old drivers ranges from $6,945 to $7,528 per year, depending on driver gender.
How does Tennessee car insurance cost compare?
For a few states that share a border, Tennessee car insurance rates rates are 22.8% higher than Virginia, 26.3% higher than North Carolina, and 8.4% lower than Kentucky.
Being ranked 29th overall for car insurance cost in the U.S. makes Tennessee cheaper than many other states. For example, the average cost of auto insurance in Tennessee is 17% cheaper than California, 13.9% cheaper than New York, and 17.1% cheaper than New Jersey.
States with car insurance rates that are cheaper than Tennessee include Maine at 28.5% less, North Carolina at 26.3% less, Ohio at 19.9% less, and Iowa at 22.4% less.
The chart below compares average Tennessee car insurance quotes to the other 11 states in the Southeast region. Tennessee ranks sixth out of 12 total states with an average cost per year of $2,432.
Average car insurance cost by vehicle segment
The chart below shows the average cost of car insurance in Tennessee for each different vehicle segment. Small SUVs like the Honda CR-V and Toyota RAV4 have the cheapest rates followed by the midsize pickup segment which includes models like the Toyota Tacoma, Chevrolet Colorado, and Ford Ranger.
Cheapest car insurance by vehicle segment
The list below shows the model with the cheapest average car insurance rates for each vehicle segment along with annual and monthly average cost.
- Cheapest compact car insurance – Toyota GR Corolla at $2,116 per year or $176 per month
- Cheapest compact SUV insurance – Subaru Crosstrek at $1,800 per year or $150 per month
- Cheapest midsize car insurance – Kia K5 at $2,346 per year or $196 per month
- Cheapest midsize SUV insurance – Honda Passport at $1,940 per year or $162 per month
- Cheapest full-size car insurance – Chrysler 300 at $2,318 per year or $193 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $2,286 per year or $191 per month
- Cheapest midsize pickup insurance – Chevrolet Colorado at $2,144 per year or $179 per month
- Cheapest full-size pickup insurance – Nissan Titan at $2,278 per year or $190 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $2,476 per year or $206 per month
- Cheapest minivan insurance – Honda Odyssey at $2,226 per year or $186 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $2,254 per year or $188 per month
- Cheapest compact luxury car insurance – Acura Integra at $2,166 per year or $181 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $2,036 per year or $170 per month
- Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $2,506 per year or $209 per month
- Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $2,278 per year or $190 per month
- Cheapest full-size luxury car insurance – Audi A5 at $2,892 per year or $241 per month
- Cheapest full-size luxury SUV insurance – Infiniti QX80 at $2,730 per year or $228 per month
Top 50 cheapest vehicles to insure in Tennessee
Now that we covered insurance cost by segment and touched on the cheapest models to insure in each, let’s get into the big list: the top 50 cheapest vehicles to insure in the state of Tennessee.
Some of the top 50 vehicles are the cheapest in their segment, but a lot of models are not even in the top 50 cheapest list despite being the cheapest in their respective segments.
The table below ranks the top 50 cheapest vehicles to insure in Tennessee chosen from all segments from the 2024 model year.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,800 | $150 |
| 2 | Chevrolet Trailblazer | $1,832 | $153 |
| 3 | Kia Soul | $1,902 | $159 |
| 4 | Nissan Kicks | $1,918 | $160 |
| 5 | Honda Passport | $1,940 | $162 |
| 6 | Buick Envision | $1,952 | $163 |
| 7 | Toyota Corolla Cross | $1,962 | $164 |
| 8 | Hyundai Venue | $1,978 | $165 |
| 9 | Mazda CX-5 | $1,986 | $166 |
| 10 | Ford Bronco Sport | $1,996 | $166 |
| 11 | Volkswagen Tiguan | $2,016 | $168 |
| 12 | Acura RDX | $2,036 | $170 |
| 13 | Nissan Murano | $2,046 | $171 |
| 14 | Buick Encore | $2,068 | $172 |
| 15 | Subaru Outback | $2,074 | $173 |
| 16 | Honda CR-V | $2,076 | $173 |
| 17 | Buick Envista | $2,080 | $173 |
| 18 | Volkswagen Taos | $2,086 | $174 |
| 19 | Kia Niro | $2,098 | $175 |
| 20 | Toyota GR Corolla | $2,116 | $176 |
| 21 | Subaru Ascent | $2,118 | $177 |
| 22 | Honda HR-V | $2,120 | $177 |
| 23 | Nissan Leaf | $2,134 | $178 |
| 24 | Chevrolet Colorado | $2,144 | $179 |
| 25 | Honda Civic | $2,156 | $180 |
| 26 | Lexus NX 250 | $2,156 | $180 |
| 27 | Volkswagen Atlas | $2,160 | $180 |
| 28 | Acura Integra | $2,166 | $181 |
| 29 | Subaru Forester | $2,166 | $181 |
| 30 | Volkswagen Atlas Cross Sport | $2,170 | $181 |
| 31 | Kia Seltos | $2,174 | $181 |
| 32 | GMC Terrain | $2,180 | $182 |
| 33 | Nissan Rogue | $2,188 | $182 |
| 34 | Hyundai Kona | $2,190 | $183 |
| 35 | Mazda CX-30 | $2,196 | $183 |
| 36 | Cadillac XT4 | $2,198 | $183 |
| 37 | Volkswagen ID4 | $2,208 | $184 |
| 38 | Ford Explorer | $2,210 | $184 |
| 39 | Toyota Highlander | $2,214 | $185 |
| 40 | Ford Escape | $2,222 | $185 |
| 41 | Toyota Venza | $2,224 | $185 |
| 42 | Honda Odyssey | $2,226 | $186 |
| 43 | Nissan Sentra | $2,230 | $186 |
| 44 | Subaru Impreza | $2,238 | $187 |
| 45 | Chevrolet Equinox | $2,242 | $187 |
| 46 | Toyota RAV4 | $2,244 | $187 |
| 47 | Mazda MX-5 Miata | $2,254 | $188 |
| 48 | Mazda MX-30 | $2,260 | $188 |
| 49 | Hyundai Tucson | $2,264 | $189 |
| 50 | Chevrolet Traverse | $2,272 | $189 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Tennessee Zip Codes. Updated October 24, 2025
Car insurance cost for popular vehicles
The charts below show average car insurance quotes for five of the more popular vehicles in Tennessee. Each chart includes average rates for different profiles like a high-risk driver, save drivers from different age groups, and different policy deductibles. Popular vehicles included are the Chevrolet Silverado, Ford Ranger, Toyota Corolla, Honda CR-V, and Ford Mustang.
Chevrolet Silverado insurance rates
Chevrolet Silverado insurance in Tennessee costs $2,692 per year on average and ranges from $2,230 to $6,248 per year for our different chart profiles.
Other popular full-size half-ton pickup truck models include the Toyota Tundra, GMC Sierra, Ford F150, Ram Truck, and Nissan Titan.
Ford Ranger insurance rates
Ford Ranger insurance rates in Tennessee range from $1,932 to $5,372 per year for the driver profiles in the chart below. Average Ford Ranger insurance costs $2,326 per year or $194 per month in Tennessee.
Other popular midsize pickup models include the Chevrolet Colorado, Toyota Tacoma, GMC Canyon, Honda Ridgeline, and Jeep Gladiator.
Toyota Corolla insurance rates
The chart below shows average Toyota Corolla insurance rates in Tennessee for different driver ages and risk profiles. Rates range from $1,968 to $5,434 per year, with average cost being $2,374 per year.
Additional popular compact car models include the Nissan Sentra, Hyundai Elantra, Volkswagen Jetta, Honda Civic, and Chevrolet Cruze.
Honda CR-V insurance rates
Average Honda CR-V insurance rates in Tennessee as shown in the chart below range from $1,728 to $4,768 per year, with the average cost being $2,076.
Other popular models of compact SUVs include the Toyota RAV4, Subaru Forester, Mazda CX-5, Nissan Rogue, and Ford Escape.
Ford Mustang insurance rates
The average cost of Ford Mustang insurance in Tennessee is $2,674 per year, or $223 per month. The chart below shows prices ranging from $2,218 to $6,122 per year, depending on the driver profile.
Other popular sports cars in Tennessee include the Toyota Supra, Chevy Corvette, Chevy Camaro, Subaru BRZ, and Nissan 370Z.
Average car insurance rates by city
Average annual and monthly auto insurance rates are listed below for a few of the larger cities in Tennessee. Click on any city to view rate information including overall rate averages, cost comparisons, and rankings of the cheapest vehicles to insure in each city.
- Memphis Car Insurance - $2,824 per year or $235 per month
- Nashville Car Insurance - $2,480 per year or $207 per month
- Knoxville Car Insurance - $2,442 per year or $204 per month
- Chattanooga Car Insurance - $2,374 per year or $198 per month
- Clarksville Car Insurance - $2,426 per year or $202 per month
- Murfreesboro Car Insurance - $2,376 per year or $198 per month
- Jackson Car Insurance - $2,500 per year or $208 per month
- Johnson City Car Insurance - $2,208 per year or $184 per month