- Car insurance cost in Tennessee averages $2,392 per year, or $199 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 $2,392 per year, or about $199 per month, which is 7.4% more than the U.S. average rate of $2,221.
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 – $2,674 per year ($223 per month)
- Honda CR-V compact SUV – $2,036 per year ($170 per month)
- Chevrolet Equinox compact SUV – $2,202 per year ($184 per month)
- Toyota RAV4 compact SUV – $2,204 per year ($184 per month)
- Chevrolet Silverado pickup – $2,642 per year ($220 per month)
Other top-selling vehicles in Tennessee and their average annual car insurance cost include the Nissan Rogue at $2,148 per year, the Toyota Camry at $2,568, the Toyota Corolla at $2,328, and the Ford Explorer with an average cost of $2,166 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 $140 to $466 for the example risk profiles.
Average car insurance quotes for teen drivers in Tennessee range from $5,692 per year for full coverage car insurance for a 19-year-old female driver up to $8,511 per year for insurance on a 16-year-old male driver.
Car insurance for 17-year-olds ranges from $7,903 to $8,247 per year and average car insurance cost for 18-year-old drivers ranges from $6,822 to $7,393 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 23.4% higher than Virginia, 27.1% higher than North Carolina, and 8.3% 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 17.2% cheaper than California, 14% cheaper than New York, and 17.3% cheaper than New Jersey.
States with car insurance rates that are cheaper than Tennessee include Maine at 29.1% less, North Carolina at 27.1% less, Ohio at 20.5% less, and Iowa at 23% 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 $2,392.
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 $2,076 per year or $173 per month
- Cheapest compact SUV insurance – Subaru Crosstrek at $1,766 per year or $147 per month
- Cheapest midsize car insurance – Kia K5 at $2,302 per year or $192 per month
- Cheapest midsize SUV insurance – Honda Passport at $1,904 per year or $159 per month
- Cheapest full-size car insurance – Chrysler 300 at $2,276 per year or $190 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $2,242 per year or $187 per month
- Cheapest midsize pickup insurance – Chevrolet Colorado at $2,106 per year or $176 per month
- Cheapest full-size pickup insurance – Nissan Titan at $2,236 per year or $186 per month
- Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $2,432 per year or $203 per month
- Cheapest minivan insurance – Honda Odyssey at $2,184 per year or $182 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $2,210 per year or $184 per month
- Cheapest compact luxury car insurance – Acura Integra at $2,124 per year or $177 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $1,998 per year or $167 per month
- Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $2,458 per year or $205 per month
- Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $2,234 per year or $186 per month
- Cheapest full-size luxury car insurance – Audi A5 at $2,840 per year or $237 per month
- Cheapest full-size luxury SUV insurance – Infiniti QX80 at $2,678 per year or $223 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 | $1,766 | $147 |
| 2 | Chevrolet Trailblazer | $1,796 | $150 |
| 3 | Kia Soul | $1,864 | $155 |
| 4 | Nissan Kicks | $1,878 | $157 |
| 5 | Honda Passport | $1,904 | $159 |
| 6 | Buick Envision | $1,916 | $160 |
| 7 | Toyota Corolla Cross | $1,924 | $160 |
| 8 | Hyundai Venue | $1,942 | $162 |
| 9 | Mazda CX-5 | $1,950 | $163 |
| 10 | Ford Bronco Sport | $1,956 | $163 |
| 11 | Volkswagen Tiguan | $1,978 | $165 |
| 12 | Acura RDX | $1,998 | $167 |
| 13 | Nissan Murano | $2,008 | $167 |
| 14 | Buick Encore | $2,028 | $169 |
| 15 | Subaru Outback | $2,034 | $170 |
| 16 | Honda CR-V | $2,036 | $170 |
| 17 | Buick Envista | $2,044 | $170 |
| 18 | Volkswagen Taos | $2,048 | $171 |
| 19 | Kia Niro | $2,056 | $171 |
| 20 | Toyota GR Corolla | $2,076 | $173 |
| 21 | Subaru Ascent | $2,080 | $173 |
| 22 | Honda HR-V | $2,082 | $174 |
| 23 | Nissan Leaf | $2,094 | $175 |
| 24 | Chevrolet Colorado | $2,106 | $176 |
| 25 | Lexus NX 250 | $2,116 | $176 |
| 26 | Honda Civic | $2,118 | $177 |
| 27 | Volkswagen Atlas | $2,118 | $177 |
| 28 | Acura Integra | $2,124 | $177 |
| 29 | Subaru Forester | $2,126 | $177 |
| 30 | Volkswagen Atlas Cross Sport | $2,128 | $177 |
| 31 | Kia Seltos | $2,136 | $178 |
| 32 | GMC Terrain | $2,138 | $178 |
| 33 | Nissan Rogue | $2,148 | $179 |
| 34 | Hyundai Kona | $2,152 | $179 |
| 35 | Cadillac XT4 | $2,156 | $180 |
| 36 | Mazda CX-30 | $2,156 | $180 |
| 37 | Ford Explorer | $2,166 | $181 |
| 38 | Volkswagen ID4 | $2,166 | $181 |
| 39 | Toyota Highlander | $2,174 | $181 |
| 40 | Ford Escape | $2,180 | $182 |
| 41 | Toyota Venza | $2,180 | $182 |
| 42 | Honda Odyssey | $2,184 | $182 |
| 43 | Nissan Sentra | $2,192 | $183 |
| 44 | Subaru Impreza | $2,198 | $183 |
| 45 | Chevrolet Equinox | $2,202 | $184 |
| 46 | Toyota RAV4 | $2,204 | $184 |
| 47 | Mazda MX-5 Miata | $2,210 | $184 |
| 48 | Mazda MX-30 | $2,216 | $185 |
| 49 | Hyundai Tucson | $2,220 | $185 |
| 50 | Chevrolet Traverse | $2,232 | $186 |
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 June 26, 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 $2,642 per year on average and ranges from $2,190 to $6,136 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 $1,896 to $5,274 per year for the driver profiles in the chart below. Average Ford Ranger insurance costs $2,284 per year or $190 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 $1,932 to $5,336 per year, with average cost being $2,328 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 $1,694 to $4,682 per year, with the average cost being $2,036.
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 $2,624 per year, or $219 per month. The chart below shows prices ranging from $2,180 to $6,014 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 - $2,782 per year or $232 per month
- Nashville Car Insurance - $2,438 per year or $203 per month
- Knoxville Car Insurance - $2,400 per year or $200 per month
- Chattanooga Car Insurance - $2,326 per year or $194 per month
- Clarksville Car Insurance - $2,384 per year or $199 per month
- Murfreesboro Car Insurance - $2,328 per year or $194 per month
- Jackson Car Insurance - $2,456 per year or $205 per month
- Johnson City Car Insurance - $2,164 per year or $180 per month