- Car insurance cost in Tennessee averages $1,206 per year, or $101 as a monthly expense.
- Tennessee ranks third out of 12 states in the Southeast region for car insurance affordability.
- Tennessee car insurance costs more than Virginia or North Carolina, but is cheaper than the rest of the other Southeast region states.
- A few of the top 50 vehicles with cheap car insurance in Tennessee include the Honda CR-V, Ford Edge, Subaru CrossTrek, Toyota Tacoma, and Honda Pilot.
How much does car insurance cost in Tennessee?
Average car insurance rates in Tennessee cost $1,206 per year, or about $101 per month, which is 22.2% more than the U.S. average rate of $1,551.
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 – $1,164 per year ($97 per month)
- Honda CR-V compact SUV – $1,054 per year ($88 per month)
- Chevrolet Equinox compact SUV – $1,126 per year ($94 per month)
- Toyota RAV4 compact SUV – $1,136 per year ($95 per month)
- Chevrolet Silverado pickup – $1,294 per year ($108 per month)
Other top-selling vehicles in Tennessee and their average annual car insurance cost include the Nissan Rogue at $1,180 per year, the Toyota Camry at $1,184, the Toyota Corolla at $1,184, and the Ford Explorer with an average cost of $1,132 per year.
The chart below shows car insurance cost in Tennessee averaged for all 2022 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 $76 to $231 for the example risk profiles.
Average car insurance quotes for teen drivers in Tennessee range from $3,028 per year for full coverage car insurance for a 19-year-old female driver up to $4,316 per year for insurance on a 16-year-old male driver.
Car insurance for 17-year-olds ranges from $3,584 to $4,032 per year and average car insurance cost for 18-year-old drivers ranges from $3,264 to $3,762 per year, depending on driver gender.
How does Tennessee car insurance cost compare?
There are a lot of states that share a border with Tennessee, but the only two states that have cheaper car insurance than Tennessee in the Southeast region are Virginia and North Carolina. Tennesee car insurance costs 22.8% more than Virginia and 24.8% more than North Carolina.
When compared to neighboring states that have more expensive car insurance, Tennessee car insurance rates are 26% less than Arkansas, 16.1% less than Mississippi, 2.7% less than Alabama, 18.1% less than Georgia, and 31.9% less than Kentucky.
Being ranked 13th 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 30.9% cheaper than California, 25.6% cheaper than New York, and 16.1% cheaper than New Jersey.
States with car insurance rates that are cheaper than Tennessee include Maine at 14.4% less, North Carolina at 24.8% less, Ohio at 35.8% less, and Iowa at 9.4% less.
The chart below compares average Tennessee car insurance quotes to the other 11 states in the Southeast region. Tennessee ranks #3 out of 12 total states with an average cost per year of $1,206.
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 – Subaru Impreza at $1,044 per year or $87 per month
- Cheapest compact SUV insurance – Mazda CX-5 at $916 per year or $76 per month
- Cheapest midsize car insurance – Subaru Legacy at $1,166 per year or $97 per month
- Cheapest midsize SUV insurance – Honda Passport at $968 per year or $81 per month
- Cheapest full-size car insurance – Toyota Avalon at $1,266 per year or $106 per month
- Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,206 per year or $101 per month
- Cheapest midsize pickup insurance – Chevrolet Colorado at $992 per year or $83 per month
- Cheapest full-size pickup insurance – Ford F150 at $1,164 per year or $97 per month
- Cheapest heavy duty pickup insurance – Ford F350 Super Duty at $1,310 per year or $109 per month
- Cheapest minivan insurance – Honda Odyssey at $1,122 per year or $94 per month
- Cheapest sports car insurance – Mazda MX-5 Miata at $1,046 per year or $87 per month
- Cheapest compact luxury car insurance – Mercedes-Benz A220 at $1,182 per year or $99 per month
- Cheapest compact luxury SUV insurance – Acura RDX at $1,032 per year or $86 per month
- Cheapest midsize luxury car insurance – Acura ILX at $1,108 per year or $92 per month
- Cheapest midsize luxury SUV insurance – Cadillac XT5 at $1,182 per year or $99 per month
- Cheapest full-size luxury car insurance – Audi A5 at $1,414 per year or $118 per month
- Cheapest full-size luxury SUV insurance – Volvo XC90 at $1,306 per year or $109 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 like the Toyota Sequoia, Ford F350 pickup, Mercedes A220, Volvo S90 and Volvo XC90 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 2022 model year.
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 $1,294 per year on average and ranges from $1,072 to $2,966 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 $886 to $2,400 per year for the driver profiles in the chart below. Average Ford Ranger insurance costs $1,070 per year or $89 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 $984 to $2,654 per year, with average cost being $1,184 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 $876 to $2,404 per year, with the average cost being $1,054.
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 $1,270 per year, or $106 per month. The chart below shows prices ranging from $1,058 to $2,854 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 - $1,880 per year or $157 per month
- Nashville Car Insurance - $1,550 per year or $129 per month
- Knoxville Car Insurance - $1,500 per year or $125 per month
- Chattanooga Car Insurance - $1,438 per year or $120 per month
- Clarksville Car Insurance - $1,494 per year or $125 per month
- Murfreesboro Car Insurance - $1,444 per year or $120 per month
- Jackson Car Insurance - $1,564 per year or $130 per month