Tennessee Car Insurance Cost for 2021

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 $1,254 per year, or about $105 per month, which is 17.7% more than the U.S. average rate of $1,523.

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 – $1,198 per year ($100 per month)
  2. Honda CR-V compact SUV – $948 per year ($79 per month)
  3. Chevrolet Equinox compact SUV – $1,134 per year ($95 per month)
  4. Toyota RAV4 compact SUV – $1,210 per year ($101 per month)
  5. Chevrolet Silverado pickup – $1,308 per year ($109 per month)

Other top-selling vehicles in Tennessee and their average annual car insurance cost include the Nissan Rogue at $1,132 per year, the Toyota Camry at $1,256, the Toyota Corolla at $1,090, and the Ford Explorer with an average cost of $1,244 per year.

The chart below shows car insurance cost in Tennessee averaged for all 2021 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 2021 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Tennessee zip codes.
Average Car Insurance Cost in Tennessee
Average Car Insurance Cost in Tennessee
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,116$176
$500$2,494$208
$250$2,894$241
30$1,000$1,110$93
$500$1,322$110
$250$1,544$129
40$1,000$1,060$88
$500$1,254$105
$250$1,456$121
50$1,000$968$81
$500$1,142$95
$250$1,324$110
60$1,000$952$79
$500$1,124$94
$250$1,302$109

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 $79 to $241 for the example risk profiles.

Average car insurance quotes for teen drivers in Tennessee range from $3,160 per year for full coverage car insurance for a 19-year-old female driver up to $4,500 per year for insurance on a 16-year-old male driver.

Car insurance for 17-year-olds ranges from $3,738 to $4,204 per year and average car insurance cost for 18-year-old drivers ranges from $3,408 to $3,928 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 28.7% more than Virginia and 21.5% more than North Carolina.

When compared to neighboring states that have more expensive car insurance, Tennessee car insurance rates are 13.8% less than Arkansas, 7.2% less than Mississippi, 1.4% less than Alabama, 19.9% less than Georgia, and 26.9% less than Kentucky.

Being ranked 18th 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 25.2% cheaper than California, 25.4% cheaper than New York, and 14.8% cheaper than New Jersey.

States with car insurance rates that are cheaper than Tennessee include Maine at 30.6% less, Illinois at  16.3% less, Ohio at  22.5% less, and Iowa at  25.1% 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 $1,254.

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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
Virginia$974-$280
North Carolina$1,032-$222
Tennessee$1,254--
Alabama$1,272$18
West Virginia$1,346$92
Mississippi$1,352$98
South Carolina$1,406$152
Arkansas$1,454$200
Georgia$1,566$312
Kentucky$1,716$462
Florida$2,046$792
Louisiana$2,244$990

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 2021 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.
Tennessee Car Insurance Rates by Vehicle Segment
Tennessee Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Small SUV$1,130$94
Midsize Truck$1,140$95
Large Van$1,144$95
Midsize Minivan$1,168$97
Midsize SUV$1,222$102
Midsize Van$1,230$103
Small Car$1,260$105
Large Truck$1,272$106
Midsize Car$1,286$107
Large SUV$1,300$108
Small Luxury SUV$1,316$110
Large Car$1,364$114
Heavy Duty Truck$1,410$118
Midsize Luxury SUV$1,418$118
Small Luxury Car$1,458$122
Midsize Luxury Car$1,662$139
Large Luxury SUV$1,694$141
Sports Car$1,832$153
Large Luxury Car$1,938$162
Exotic Car$2,576$215

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 insuranceVolkswagen Golf at $1,002 per year or $84 per month
  • Cheapest compact SUV insuranceSubaru Forester at $934 per year or $78 per month
  • Cheapest midsize car insuranceMazda 6 at $1,166 per year or $97 per month
  • Cheapest midsize SUV insuranceFord Edge at $1,000 per year or $83 per month
  • Cheapest full-size car insuranceKia Cadenza at $1,276 per year or $106 per month
  • Cheapest full-size SUV insuranceToyota Sequoia at $1,242 per year or $104 per month
  • Cheapest midsize pickup insuranceToyota Tacoma at $1,058 per year or $88 per month
  • Cheapest full-size pickup insuranceFord F150 at $1,198 per year or $100 per month
  • Cheapest heavy duty pickup insuranceFord F350 Super Duty at $1,354 per year or $113 per month
  • Cheapest minivan insuranceKia Sedona at $1,066 per year or $89 per month
  • Cheapest sports car insuranceMazda Miata at $1,152 per year or $96 per month
  • Cheapest compact luxury car insuranceMercedes-Benz A220 at $1,232 per year or $103 per month
  • Cheapest compact luxury SUV insuranceVolvo XC40 at $1,038 per year or $87 per month
  • Cheapest midsize luxury car insuranceAcura ILX at $1,174 per year or $98 per month
  • Cheapest midsize luxury SUV insuranceVolvo V60 at $1,186 per year or $99 per month
  • Cheapest full-size luxury car insuranceVolvo S90 at $1,370 per year or $114 per month
  • Cheapest full-size luxury SUV insuranceVolvo XC90 at $1,208 per year or $101 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 2021 model year.

Top 50 Cheapest Car Insurance Rates in Tennessee
Rank Make/Model Annual Cost Monthly Cost
1Subaru Forester$934$78
2Honda CR-V$948$79
3Ram Promaster City$982$82
4Mazda CX-3$988$82
5Kia Sportage$996$83
6Toyota C-HR$996$83
7Ford Edge$1,000$83
8Volkswagen Golf$1,002$84
9Mazda CX-5$1,014$85
10Subaru Crosstrek$1,026$86
11Chevrolet Spark$1,036$86
12Volvo XC40$1,038$87
13Hyundai Venue$1,044$87
14Subaru Impreza$1,054$88
15Volkswagen Atlas$1,054$88
16Hyundai Kona$1,056$88
17Kia Soul$1,058$88
18Toyota Tacoma$1,058$88
19Kia Telluride$1,060$88
20Chevrolet Blazer$1,064$89
21Jeep Compass$1,066$89
22Kia Rio5$1,066$89
23Kia Sedona$1,066$89
24Subaru Outback$1,066$89
25Chevrolet Colorado$1,068$89
26Mazda CX-30$1,068$89
27Honda Passport$1,070$89
28Nissan Kicks$1,070$89
29Mitsubishi Eclipse Cross$1,072$89
30Subaru Ascent$1,072$89
31Ford Escape$1,074$90
32Hyundai Tucson$1,074$90
33Nissan Frontier$1,080$90
34Volkswagen Tiguan$1,084$90
35Acura RDX$1,086$91
36Honda Pilot$1,086$91
37Toyota Corolla$1,090$91
38Ford Ecosport$1,092$91
39Buick Envision$1,098$92
40Kia Seltos$1,102$92
41Nissan Rogue Sport$1,108$92
42Chevrolet Trailblazer$1,116$93
43Chevrolet Trax$1,116$93
44Cadillac XT4$1,120$93
45Buick Encore$1,124$94
46Chevrolet Express$1,126$94
47Jeep Renegade$1,132$94
48Nissan Rogue$1,132$94
49Chevrolet Equinox$1,134$95
50Nissan Murano$1,134$95

    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.
    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 $1,308 per year on average and ranges from $1,084 to $2,972 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 2021 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.
    Chevrolet Silverado Insurance Cost in Tennessee
    Chevrolet Silverado Insurance Cost in Tennessee
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,972$248
    Safe Driver Age 20$2,604$217
    At-fault Accidents Age 40$1,854$155
    Low Deductibles Age 40$1,678$140
    Safe Driver Age 30$1,372$114
    Safe Driver Age 40$1,308$109
    Safe Driver Age 50$1,192$99
    Safe Driver Age 60$1,172$98
    High Deductibles Age 40$1,118$93
    Discount Rate Age 40$1,084$90

    Ford Ranger insurance rates

    Ford Ranger insurance rates in Tennessee range from $968 to $2,640 per year for the driver profiles in the chart below. Average Ford Ranger insurance costs $1,164 per year or $97 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 2021 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.
    Ford Ranger Insurance Cost in Tennessee
    Ford Ranger Insurance Cost in Tennessee
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,640$220
    Safe Driver Age 20$2,312$193
    At-fault Accidents Age 40$1,648$137
    Low Deductibles Age 40$1,494$125
    Safe Driver Age 30$1,220$102
    Safe Driver Age 40$1,164$97
    Safe Driver Age 50$1,060$88
    Safe Driver Age 60$1,040$87
    High Deductibles Age 40$996$83
    Discount Rate Age 40$968$81

    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 $906 to $2,466 per year, with average cost being $1,090 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 2021 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.
    Toyota Corolla Insurance Cost in Tennessee
    Toyota Corolla Insurance Cost in Tennessee
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,466$206
    Safe Driver Age 20$2,160$180
    At-fault Accidents Age 40$1,536$128
    Low Deductibles Age 40$1,410$118
    Safe Driver Age 30$1,148$96
    Safe Driver Age 40$1,090$91
    Safe Driver Age 50$994$83
    Safe Driver Age 60$974$81
    High Deductibles Age 40$922$77
    Discount Rate Age 40$906$76

    Honda CR-V insurance rates

    Average Honda CR-V insurance rates in Tennessee as shown in the chart below range from $788 to $2,124 per year, with the average cost being $948.

    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 2021 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.
    Honda CR-V Insurance Cost in Tennessee
    Honda CR-V Insurance Cost in Tennessee
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,124$177
    Safe Driver Age 20$1,864$155
    At-fault Accidents Age 40$1,324$110
    Low Deductibles Age 40$1,232$103
    Safe Driver Age 30$998$83
    Safe Driver Age 40$948$79
    Safe Driver Age 50$860$72
    Safe Driver Age 60$846$71
    High Deductibles Age 40$800$67
    Discount Rate Age 40$788$66

    Ford Mustang insurance rates

    The average cost of Ford Mustang insurance in Tennessee is $1,406 per year, or $117 per month. The chart below shows prices ranging from $1,168 to $3,190 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 2021 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.
    Ford Mustang Insurance Cost in Tennessee
    Ford Mustang Insurance Cost in Tennessee
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$3,190$266
    Safe Driver Age 20$2,794$233
    At-fault Accidents Age 40$1,974$165
    Low Deductibles Age 40$1,858$155
    Safe Driver Age 30$1,488$124
    Safe Driver Age 40$1,406$117
    Safe Driver Age 50$1,278$107
    Safe Driver Age 60$1,258$105
    High Deductibles Age 40$1,172$98
    Discount Rate Age 40$1,168$97

    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.