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.

Start a Free QuoteCompare Tennessee car insurance quotes and save on your next policy.

Tennessee car insurance cost feature image

How much does car insurance cost in Tennessee?

Average car insurance rates in Tennessee cost $1,718 per year, or about $143 per month, which is 0.6% less than the U.S. average rate of $1,728.

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 – $1,746 per year ($146 per month)
  2. Honda CR-V compact SUV – $1,456 per year ($121 per month)
  3. Chevrolet Equinox compact SUV – $1,546 per year ($129 per month)
  4. Toyota RAV4 compact SUV – $1,592 per year ($133 per month)
  5. Chevrolet Silverado pickup – $1,878 per year ($157 per month)

Other top-selling vehicles in Tennessee and their average annual car insurance cost include the Nissan Rogue at $1,580 per year, the Toyota Camry at $1,632, the Toyota Corolla at $1,612, and the Ford Explorer with an average cost of $1,462 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 August 11, 2023
Average Car Insurance Cost in Tennessee
Average Car Insurance Cost in Tennessee
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,890$241
$500$3,414$285
$250$3,966$331
30$1,000$1,516$126
$500$1,810$151
$250$2,116$176
40$1,000$1,450$121
$500$1,718$143
$250$1,996$166
50$1,000$1,322$110
$500$1,564$130
$250$1,816$151
60$1,000$1,298$108
$500$1,536$128
$250$1,784$149

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 $108 to $331 for the example risk profiles.

Average car insurance quotes for teen drivers in Tennessee range from $4,324 per year for full coverage car insurance for a 19-year-old female driver up to $6,148 per year for insurance on a 16-year-old male driver.

Car insurance for 17-year-olds ranges from $5,110 to $5,750 per year and average car insurance cost for 18-year-old drivers ranges from $4,660 to $5,374 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 34.7% higher than Virginia, 40.3% higher than North Carolina, and 11.5% 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 23.3% cheaper than California, 19.3% cheaper than New York, and 23.6% cheaper than New Jersey.

States with car insurance rates that are cheaper than Tennessee include Maine at 43.9% less, North Carolina at 40.3% less, Ohio at 30.1% less, and Iowa at 34.1% 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 $1,718.

Get Rates in Your AreaWhy is this important?

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$1,142-$576
Virginia$1,210-$508
South Carolina$1,518-$200
West Virginia$1,612-$106
Alabama$1,628-$90
Tennessee$1,718--
Mississippi$1,760$42
Georgia$1,840$122
Arkansas$1,886$168
Kentucky$1,928$210
Louisiana$2,134$416
Florida$2,226$508

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 August 12, 2023
Tennessee Car Insurance Rates by Vehicle Segment
Tennessee Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,562$130
Midsize Pickup$1,622$135
Midsize SUV$1,674$140
Minivan$1,682$140
Compact Car$1,708$142
Midsize Car$1,752$146
Compact Luxury SUV$1,856$155
Half-ton Pickup$1,864$155
Large SUV$1,880$157
Compact Luxury Car$1,888$157
Heavy Duty Pickup$1,974$165
Midsize Luxury SUV$1,994$166
Large Car$1,996$166
Midsize Luxury Car$2,182$182
Sports Car$2,346$196
Large Luxury SUV$2,522$210
Large Luxury Car$2,648$221

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 $1,420 per year or $118 per month
  • Cheapest compact SUV insurance – Chevrolet Trailblazer at $1,300 per year or $108 per month
  • Cheapest midsize car insurance – Subaru Legacy at $1,582 per year or $132 per month
  • Cheapest midsize SUV insurance – Honda Passport at $1,332 per year or $111 per month
  • Cheapest full-size car insurance – Chrysler 300 at $1,676 per year or $140 per month
  • Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,610 per year or $134 per month
  • Cheapest midsize pickup insurance – Ford Maverick at $1,426 per year or $119 per month
  • Cheapest full-size pickup insurance – Nissan Titan at $1,698 per year or $142 per month
  • Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $1,758 per year or $147 per month
  • Cheapest minivan insurance – Honda Odyssey at $1,570 per year or $131 per month
  • Cheapest sports car insurance – Mazda MX-5 Miata at $1,588 per year or $132 per month
  • Cheapest compact luxury car insurance – Acura Integra at $1,542 per year or $129 per month
  • Cheapest compact luxury SUV insurance – Acura RDX at $1,432 per year or $119 per month
  • Cheapest midsize luxury car insurance – Cadillac CT5 at $1,848 per year or $154 per month
  • Cheapest midsize luxury SUV insurance – Lexus RX 350 at $1,536 per year or $128 per month
  • Cheapest full-size luxury car insurance – Audi A5 at $1,926 per year or $161 per month
  • Cheapest full-size luxury SUV insurance – Volvo XC90 at $1,770 per year or $148 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$1,300$108
2Subaru Crosstrek$1,310$109
3Nissan Kicks$1,316$110
4Honda Passport$1,332$111
5Nissan Rogue Sport$1,340$112
6Mazda CX-5$1,348$112
7Buick Encore$1,368$114
8Buick Envision$1,372$114
9Kia Seltos$1,392$116
10Subaru Ascent$1,396$116
11Hyundai Venue$1,402$117
12Subaru Impreza$1,420$118
13Ford Maverick$1,426$119
14Honda HR-V$1,426$119
15Chevrolet Colorado$1,430$119
16Acura RDX$1,432$119
17Hyundai Kona$1,440$120
18Subaru Forester$1,448$121
19Ford Edge$1,456$121
20Honda CR-V$1,456$121
21Mazda CX-30$1,460$122
22Ford Explorer$1,462$122
23Volkswagen Atlas$1,466$122
24Chevrolet Trax$1,474$123
25Nissan Murano$1,474$123
26Subaru Outback$1,476$123
27Nissan Frontier$1,484$124
28Volkswagen Tiguan$1,492$124
29Ford Bronco Sport$1,496$125
30Fiat 500X$1,522$127
31Ford Ranger$1,524$127
32GMC Terrain$1,526$127
33Kia Soul$1,528$127
34Mitsubishi Eclipse Cross$1,532$128
35Volkswagen Atlas Cross Sport$1,534$128
36Lexus RX 350$1,536$128
37Acura Integra$1,542$129
38Chevrolet Equinox$1,546$129
39Cadillac XT4$1,550$129
40Toyota Corolla Cross$1,550$129
41Volkswagen Taos$1,556$130
42GMC Canyon$1,560$130
43Toyota Venza$1,564$130
44Volkswagen Jetta$1,566$131
45Mazda CX-50$1,568$131
46Toyota Tacoma$1,568$131
47Honda Odyssey$1,570$131
48Hyundai Tucson$1,572$131
49Ford Escape$1,574$131
50Kia Sorento$1,576$131

    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 August 12, 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 $1,878 per year on average and ranges from $1,558 to $4,296 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 August 12, 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$4,296$358
    Safe Driver Age 20$3,762$314
    At-fault Accidents Age 40$2,674$223
    Low Deductibles Age 40$2,406$201
    Safe Driver Age 30$1,968$164
    Safe Driver Age 40$1,878$157
    Safe Driver Age 50$1,714$143
    Safe Driver Age 60$1,682$140
    High Deductibles Age 40$1,606$134
    Discount Rate Age 40$1,558$130

    Ford Ranger insurance rates

    Ford Ranger insurance rates in Tennessee range from $1,264 to $3,442 per year for the driver profiles in the chart below. Average Ford Ranger insurance costs $1,524 per year or $127 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 August 12, 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$3,442$287
    Safe Driver Age 20$3,016$251
    At-fault Accidents Age 40$2,154$180
    Low Deductibles Age 40$1,950$163
    Safe Driver Age 30$1,596$133
    Safe Driver Age 40$1,524$127
    Safe Driver Age 50$1,388$116
    Safe Driver Age 60$1,362$114
    High Deductibles Age 40$1,304$109
    Discount Rate Age 40$1,264$105

    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 $1,338 to $3,632 per year, with average cost being $1,612 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 August 11, 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$3,632$303
    Safe Driver Age 20$3,180$265
    At-fault Accidents Age 40$2,270$189
    Low Deductibles Age 40$2,076$173
    Safe Driver Age 30$1,692$141
    Safe Driver Age 40$1,612$134
    Safe Driver Age 50$1,466$122
    Safe Driver Age 60$1,440$120
    High Deductibles Age 40$1,372$114
    Discount Rate Age 40$1,338$112

    Honda CR-V insurance rates

    Average Honda CR-V insurance rates in Tennessee as shown in the chart below range from $1,210 to $3,326 per year, with the average cost being $1,456.

    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 August 11, 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$3,326$277
    Safe Driver Age 20$2,910$243
    At-fault Accidents Age 40$2,062$172
    Low Deductibles Age 40$1,892$158
    Safe Driver Age 30$1,530$128
    Safe Driver Age 40$1,456$121
    Safe Driver Age 50$1,326$111
    Safe Driver Age 60$1,304$109
    High Deductibles Age 40$1,234$103
    Discount Rate Age 40$1,210$101

    Ford Mustang insurance rates

    The average cost of Ford Mustang insurance in Tennessee is $1,860 per year, or $155 per month. The chart below shows prices ranging from $1,542 to $4,196 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 August 12, 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$4,196$350
    Safe Driver Age 20$3,678$307
    At-fault Accidents Age 40$2,616$218
    Low Deductibles Age 40$2,408$201
    Safe Driver Age 30$1,958$163
    Safe Driver Age 40$1,860$155
    Safe Driver Age 50$1,694$141
    Safe Driver Age 60$1,660$138
    High Deductibles Age 40$1,576$131
    Discount Rate Age 40$1,542$129

    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.