Tennessee Car Insurance Cost for 2023

How much does average car insurance cost in Tennessee? We tackle average rates plus rank the top 50 cheapest vehicles to insure in Tennessee.

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How much does car insurance cost in Tennessee?

Average car insurance rates in Tennessee cost $1,678 per year, or about $140 per month, which is 0.4% less than the U.S. average rate of $1,685.

Average annual and monthly car insurance rates in Tennessee for the top five most popular vehicles in the state are shown below.

  1. Ford F-150 pickup – $1,706 per year ($142 per month)
  2. Honda CR-V compact SUV – $1,422 per year ($119 per month)
  3. Chevrolet Equinox compact SUV – $1,510 per year ($126 per month)
  4. Toyota RAV4 compact SUV – $1,554 per year ($130 per month)
  5. Chevrolet Silverado pickup – $1,836 per year ($153 per month)

Other top-selling vehicles in Tennessee and their average annual car insurance cost include the Nissan Rogue at $1,544 per year, the Toyota Camry at $1,596, the Toyota Corolla at $1,576, and the Ford Explorer with an average cost of $1,430 per year.

The chart below shows car insurance cost in Tennessee averaged for all 2023 model year vehicles. Driver ages 20 through 60 are included as well as rates for three different policy deductible levels.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Tennessee car insurance rates for 2023 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Tennessee zip codes.Data last updated on May 5, 2023
Average Car Insurance Cost in Tennessee
Average Car Insurance Cost in Tennessee
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,826$236
$500$3,338$278
$250$3,878$323
30$1,000$1,482$124
$500$1,768$147
$250$2,066$172
40$1,000$1,414$118
$500$1,678$140
$250$1,952$163
50$1,000$1,290$108
$500$1,526$127
$250$1,772$148
60$1,000$1,266$106
$500$1,498$125
$250$1,740$145

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 $106 to $323 for the example risk profiles.

Average car insurance quotes for teen drivers in Tennessee range from $4,228 per year for full coverage car insurance for a 19-year-old female driver up to $6,012 per year for insurance on a 16-year-old male driver.

Car insurance for 17-year-olds ranges from $4,994 to $5,622 per year and average car insurance cost for 18-year-old drivers ranges from $4,554 to $5,252 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 35.3% higher than Virginia, 41.6% higher than North Carolina, and 11.8% 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 23.9% cheaper than California, 19.6% cheaper than New York, and 24% cheaper than New Jersey.

States with car insurance rates that are cheaper than Tennessee include Maine at 45% less, North Carolina at 41.6% less, Ohio at 30.8% less, and Iowa at 34.8% 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 $1,678.

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Tennessee Car Insurance Cost Compared to Southeast Region
Average Car Insurance Cost in Tennessee Compared to Southeast Region
Southeast Region States Average Insurance Cost Annual Difference
North Carolina$1,100-$578
Virginia$1,174-$504
South Carolina$1,480-$198
West Virginia$1,572-$106
Alabama$1,586-$92
Tennessee$1,678--
Mississippi$1,722$44
Georgia$1,802$124
Arkansas$1,846$168
Kentucky$1,888$210
Louisiana$2,100$422
Florida$2,196$518

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Tennessee car insurance cost by segment is based on 2023 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Tennessee Zip Codes.Data last updated on May 5, 2023
Tennessee Car Insurance Rates by Vehicle Segment
Tennessee Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,528$127
Midsize Pickup$1,584$132
Midsize SUV$1,638$137
Minivan$1,644$137
Compact Car$1,672$139
Midsize Car$1,712$143
Compact Luxury SUV$1,814$151
Half-ton Pickup$1,820$152
Large SUV$1,836$153
Compact Luxury Car$1,848$154
Heavy Duty Pickup$1,930$161
Midsize Luxury SUV$1,948$162
Large Car$1,950$163
Midsize Luxury Car$2,134$178
Sports Car$2,294$191
Large Luxury SUV$2,464$205
Large Luxury Car$2,592$216

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 $1,388 per year or $116 per month
  • Cheapest compact SUV insurance – Chevrolet Trailblazer at $1,270 per year or $106 per month
  • Cheapest midsize car insurance – Subaru Legacy at $1,546 per year or $129 per month
  • Cheapest midsize SUV insurance – Honda Passport at $1,302 per year or $109 per month
  • Cheapest full-size car insurance – Chrysler 300 at $1,636 per year or $136 per month
  • Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,570 per year or $131 per month
  • Cheapest midsize pickup insurance – Ford Maverick at $1,392 per year or $116 per month
  • Cheapest full-size pickup insurance – Nissan Titan at $1,660 per year or $138 per month
  • Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $1,720 per year or $143 per month
  • Cheapest minivan insurance – Honda Odyssey at $1,532 per year or $128 per month
  • Cheapest sports car insurance – Mazda MX-5 Miata at $1,550 per year or $129 per month
  • Cheapest compact luxury car insurance – Acura Integra at $1,506 per year or $126 per month
  • Cheapest compact luxury SUV insurance – Acura RDX at $1,398 per year or $117 per month
  • Cheapest midsize luxury car insurance – Cadillac CT5 at $1,804 per year or $150 per month
  • Cheapest midsize luxury SUV insurance – Lexus RX 350 at $1,500 per year or $125 per month
  • Cheapest full-size luxury car insurance – Audi A5 at $1,880 per year or $157 per month
  • Cheapest full-size luxury SUV insurance – Volvo XC90 at $1,728 per year or $144 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 2023 model year.

Top 50 Cheapest Car Insurance Rates in Tennessee
Rank Make/Model Annual Cost Monthly Cost
1Chevrolet Trailblazer$1,270$106
2Subaru Crosstrek$1,282$107
3Nissan Kicks$1,286$107
4Honda Passport$1,302$109
5Nissan Rogue Sport$1,308$109
6Mazda CX-5$1,316$110
7Buick Encore$1,338$112
8Buick Envision$1,340$112
9Kia Seltos$1,358$113
10Subaru Ascent$1,362$114
11Hyundai Venue$1,368$114
12Subaru Impreza$1,388$116
13Ford Maverick$1,392$116
14Honda HR-V$1,394$116
15Chevrolet Colorado$1,396$116
16Acura RDX$1,398$117
17Hyundai Kona$1,408$117
18Subaru Forester$1,414$118
19Ford Edge$1,420$118
20Honda CR-V$1,422$119
21Mazda CX-30$1,424$119
22Ford Explorer$1,430$119
23Volkswagen Atlas$1,430$119
24Nissan Murano$1,440$120
25Chevrolet Trax$1,442$120
26Subaru Outback$1,444$120
27Nissan Frontier$1,446$121
28Volkswagen Tiguan$1,456$121
29Ford Bronco Sport$1,462$122
30Fiat 500X$1,486$124
31Ford Ranger$1,488$124
32GMC Terrain$1,490$124
33Kia Soul$1,494$125
34Mitsubishi Eclipse Cross$1,494$125
35Volkswagen Atlas Cross Sport$1,498$125
36Lexus RX 350$1,500$125
37Acura Integra$1,506$126
38Chevrolet Equinox$1,510$126
39Cadillac XT4$1,514$126
40Toyota Corolla Cross$1,514$126
41Volkswagen Taos$1,520$127
42GMC Canyon$1,524$127
43Toyota Venza$1,528$127
44Mazda CX-50$1,530$128
45Honda Odyssey$1,532$128
46Volkswagen Jetta$1,532$128
47Toyota Tacoma$1,534$128
48Hyundai Tucson$1,536$128
49Ford Escape$1,538$128
50Kia Sorento$1,538$128

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Tennessee.Data last updated on May 5, 2023
    Top 50 Cheapest Car Insurance Rates in Tennessee

    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 $1,836 per year on average and ranges from $1,520 to $4,196 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Chevrolet Silverado with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Silverado car insurance cost in Tennessee includes all Zip Codes and vehicle trim levels.Data last updated on May 5, 2023
    Chevrolet Silverado Insurance Cost in Tennessee
    2023 Chevrolet Silverado Insurance Cost in Tennessee
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,196$350
    Safe Driver Age 20$3,672$306
    At-fault Accidents Age 40$2,612$218
    Low Deductibles Age 40$2,354$196
    Safe Driver Age 30$1,922$160
    Safe Driver Age 40$1,836$153
    Safe Driver Age 50$1,676$140
    Safe Driver Age 60$1,644$137
    High Deductibles Age 40$1,572$131
    Discount Rate Age 40$1,520$127

    Ford Ranger insurance rates

    Ford Ranger insurance rates in Tennessee range from $1,234 to $3,364 per year for the driver profiles in the chart below. Average Ford Ranger insurance costs $1,488 per year or $124 per month in Tennessee.

    Other popular midsize pickup models include the Chevrolet Colorado, Toyota Tacoma, GMC Canyon, Honda Ridgeline, and Jeep Gladiator.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Ford Ranger with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Ranger car insurance cost in Tennessee includes all Zip Codes and vehicle trim levels.Data last updated on May 5, 2023
    Ford Ranger Insurance Cost in Tennessee
    2023 Ford Ranger Insurance Cost in Tennessee
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,364$280
    Safe Driver Age 20$2,948$246
    At-fault Accidents Age 40$2,104$175
    Low Deductibles Age 40$1,904$159
    Safe Driver Age 30$1,560$130
    Safe Driver Age 40$1,488$124
    Safe Driver Age 50$1,360$113
    Safe Driver Age 60$1,332$111
    High Deductibles Age 40$1,274$106
    Discount Rate Age 40$1,234$103

    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 $1,308 to $3,548 per year, with average cost being $1,576 per year.

    Additional popular compact car models include the Nissan Sentra, Hyundai Elantra, Volkswagen Jetta, Honda Civic, and Chevrolet Cruze.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Toyota Corolla with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Corolla car insurance cost in Tennessee includes all Zip Codes and vehicle trim levels.Data last updated on May 5, 2023
    Toyota Corolla Insurance Cost in Tennessee
    2023 Toyota Corolla Insurance Cost in Tennessee
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,548$296
    Safe Driver Age 20$3,112$259
    At-fault Accidents Age 40$2,218$185
    Low Deductibles Age 40$2,026$169
    Safe Driver Age 30$1,652$138
    Safe Driver Age 40$1,576$131
    Safe Driver Age 50$1,436$120
    Safe Driver Age 60$1,406$117
    High Deductibles Age 40$1,338$112
    Discount Rate Age 40$1,308$109

    Honda CR-V insurance rates

    Average Honda CR-V insurance rates in Tennessee as shown in the chart below range from $1,182 to $3,254 per year, with the average cost being $1,422.

    Other popular models of compact SUVs include the Toyota RAV4, Subaru Forester, Mazda CX-5, Nissan Rogue, and Ford Escape.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Tennessee includes all Zip Codes and vehicle trim levels.Data last updated on May 5, 2023
    Honda CR-V Insurance Cost in Tennessee
    2023 Honda CR-V Insurance Cost in Tennessee
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,254$271
    Safe Driver Age 20$2,846$237
    At-fault Accidents Age 40$2,014$168
    Low Deductibles Age 40$1,848$154
    Safe Driver Age 30$1,494$125
    Safe Driver Age 40$1,422$119
    Safe Driver Age 50$1,298$108
    Safe Driver Age 60$1,276$106
    High Deductibles Age 40$1,204$100
    Discount Rate Age 40$1,182$99

    Ford Mustang insurance rates

    The average cost of Ford Mustang insurance in Tennessee is $1,818 per year, or $152 per month. The chart below shows prices ranging from $1,510 to $4,100 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2023 model year Ford Mustang with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford Mustang car insurance cost in Tennessee includes all Zip Codes and vehicle trim levels.Data last updated on May 5, 2023
    Ford Mustang Insurance Cost in Tennessee
    2023 Ford Mustang Insurance Cost in Tennessee
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$4,100$342
    Safe Driver Age 20$3,594$300
    At-fault Accidents Age 40$2,558$213
    Low Deductibles Age 40$2,354$196
    Safe Driver Age 30$1,914$160
    Safe Driver Age 40$1,818$152
    Safe Driver Age 50$1,656$138
    Safe Driver Age 60$1,626$136
    High Deductibles Age 40$1,540$128
    Discount Rate Age 40$1,510$126

    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.