Tennessee Car Insurance Cost for 2022

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 $1,206 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.

  1. Ford F-150 pickup – $1,164 per year ($97 per month)
  2. Honda CR-V compact SUV – $1,054 per year ($88 per month)
  3. Chevrolet Equinox compact SUV – $1,126 per year ($94 per month)
  4. Toyota RAV4 compact SUV – $1,136 per year ($95 per month)
  5. 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Tennessee car insurance rates for 2022 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 19, 2022
Average Car Insurance Cost in Tennessee
Average Car Insurance Cost in Tennessee
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,028$169
$500$2,390$199
$250$2,770$231
30$1,000$1,066$89
$500$1,268$106
$250$1,478$123
40$1,000$1,020$85
$500$1,206$101
$250$1,400$117
50$1,000$928$77
$500$1,096$91
$250$1,270$106
60$1,000$912$76
$500$1,076$90
$250$1,248$104

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.

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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$966-$240
Virginia$982-$224
Tennessee$1,206--
Alabama$1,240$34
West Virginia$1,370$164
South Carolina$1,404$198
Mississippi$1,438$232
Georgia$1,472$266
Arkansas$1,630$424
Kentucky$1,772$566
Louisiana$2,206$1,000
Florida$2,228$1,022

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 2022 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 April 12, 2022
Tennessee Car Insurance Rates by Vehicle Segment
Tennessee Car Insurance Rates by Vehicle Segment
Vehicle Segment Annual Rate Monthly Rate
Compact SUV$1,128$94
Midsize Pickup$1,156$96
Minivan$1,214$101
Midsize SUV$1,222$102
Compact Car$1,240$103
Midsize Car$1,254$105
Half-ton Pickup$1,310$109
Compact Luxury SUV$1,354$113
Large SUV$1,358$113
Compact Luxury Car$1,368$114
Large Car$1,394$116
Heavy Duty Pickup$1,436$120
Midsize Luxury SUV$1,456$121
Midsize Luxury Car$1,592$133
Sports Car$1,700$142
Large Luxury SUV$1,820$152
Large Luxury Car$1,902$159

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 insuranceSubaru Impreza at $1,044 per year or $87 per month
  • Cheapest compact SUV insuranceMazda CX-5 at $916 per year or $76 per month
  • Cheapest midsize car insuranceSubaru Legacy at $1,166 per year or $97 per month
  • Cheapest midsize SUV insuranceHonda Passport at $968 per year or $81 per month
  • Cheapest full-size car insuranceToyota Avalon at $1,266 per year or $106 per month
  • Cheapest full-size SUV insuranceChevrolet Tahoe at $1,206 per year or $101 per month
  • Cheapest midsize pickup insuranceChevrolet Colorado at $992 per year or $83 per month
  • Cheapest full-size pickup insuranceFord F150 at $1,164 per year or $97 per month
  • Cheapest heavy duty pickup insuranceFord F350 Super Duty at $1,310 per year or $109 per month
  • Cheapest minivan insuranceHonda Odyssey at $1,122 per year or $94 per month
  • Cheapest sports car insuranceMazda MX-5 Miata at $1,046 per year or $87 per month
  • Cheapest compact luxury car insuranceMercedes-Benz A220 at $1,182 per year or $99 per month
  • Cheapest compact luxury SUV insuranceAcura RDX at $1,032 per year or $86 per month
  • Cheapest midsize luxury car insuranceAcura ILX at $1,108 per year or $92 per month
  • Cheapest midsize luxury SUV insuranceCadillac XT5 at $1,182 per year or $99 per month
  • Cheapest full-size luxury car insuranceAudi A5 at $1,414 per year or $118 per month
  • Cheapest full-size luxury SUV insuranceVolvo 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.

Top 50 Cheapest Car Insurance Rates in Tennessee
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$916$76
2Nissan Kicks$938$78
3Chevrolet Trailblazer$944$79
4Honda Passport$968$81
5Subaru Crosstrek$968$81
6Chevrolet Colorado$992$83
7Buick Encore$994$83
8Toyota C-HR$994$83
9Nissan Rogue Sport$1,004$84
10Hyundai Venue$1,022$85
11Kia Seltos$1,024$85
12Buick Envision$1,026$86
13Acura RDX$1,032$86
14Ford Maverick$1,032$86
15Toyota Corolla Cross$1,032$86
16Subaru Ascent$1,034$86
17Hyundai Kona$1,042$87
18Subaru Forester$1,042$87
19Subaru Impreza$1,044$87
20Volkswagen Tiguan$1,044$87
21Mazda MX-5 Miata$1,046$87
22Chevrolet Spark$1,052$88
23Honda CR-V$1,054$88
24Cadillac XT4$1,058$88
25Mazda CX-30$1,064$89
26Ford Ranger$1,070$89
27Ford Edge$1,084$90
28Honda HR-V$1,084$90
29Ford Ecosport$1,092$91
30Chevrolet Trax$1,106$92
31Subaru Outback$1,106$92
32Acura ILX$1,108$92
33GMC Terrain$1,108$92
34Mitsubishi Eclipse Cross$1,110$93
35Nissan Murano$1,116$93
36Toyota Tacoma$1,116$93
37Hyundai Tucson$1,120$93
38Honda Odyssey$1,122$94
39Chevrolet Bolt$1,124$94
40Toyota Venza$1,124$94
41Chevrolet Equinox$1,126$94
42Volkswagen Taos$1,130$94
43Ford Explorer$1,132$94
44Fiat 500X$1,134$95
45Toyota RAV4$1,136$95
46Kia Sorento$1,138$95
47Kia Soul$1,142$95
48Nissan Frontier$1,148$96
49GMC Canyon$1,152$96
50Hyundai Palisade$1,156$96

    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 March 24, 2022
    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 $1,294 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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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 19, 2022
    Chevrolet Silverado Insurance Cost in Tennessee
    Chevrolet Silverado Insurance Cost in Tennessee
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,966$247
    Safe Driver Age 20$2,596$216
    At-fault Accidents Age 40$1,842$154
    Low Deductibles Age 40$1,674$140
    Safe Driver Age 30$1,360$113
    Safe Driver Age 40$1,294$108
    Safe Driver Age 50$1,184$99
    Safe Driver Age 60$1,160$97
    High Deductibles Age 40$1,102$92
    Discount Rate Age 40$1,072$89

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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 19, 2022
    Ford Ranger Insurance Cost in Tennessee
    Ford Ranger Insurance Cost in Tennessee
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,400$200
    Safe Driver Age 20$2,106$176
    At-fault Accidents Age 40$1,508$126
    Low Deductibles Age 40$1,362$114
    Safe Driver Age 30$1,120$93
    Safe Driver Age 40$1,070$89
    Safe Driver Age 50$974$81
    Safe Driver Age 60$954$80
    High Deductibles Age 40$920$77
    Discount Rate Age 40$886$74

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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 19, 2022
    Toyota Corolla Insurance Cost in Tennessee
    Toyota Corolla Insurance Cost in Tennessee
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,654$221
    Safe Driver Age 20$2,328$194
    At-fault Accidents Age 40$1,676$140
    Low Deductibles Age 40$1,470$123
    Safe Driver Age 30$1,230$103
    Safe Driver Age 40$1,184$99
    Safe Driver Age 50$1,082$90
    Safe Driver Age 60$1,058$88
    High Deductibles Age 40$1,032$86
    Discount Rate Age 40$984$82

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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 19, 2022
    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$2,404$200
    Safe Driver Age 20$2,104$175
    At-fault Accidents Age 40$1,492$124
    Low Deductibles Age 40$1,368$114
    Safe Driver Age 30$1,110$93
    Safe Driver Age 40$1,054$88
    Safe Driver Age 50$962$80
    Safe Driver Age 60$944$79
    High Deductibles Age 40$892$74
    Discount Rate Age 40$876$73

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average rates are for a 2022 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 19, 2022
    Ford Mustang Insurance Cost in Tennessee
    Ford Mustang Insurance Cost in Tennessee
    Driver Risk Profile Annual Rate Monthly Rate
    High Risk Driver Age 30$2,854$238
    Safe Driver Age 20$2,504$209
    At-fault Accidents Age 40$1,776$148
    Low Deductibles Age 40$1,666$139
    Safe Driver Age 30$1,344$112
    Safe Driver Age 40$1,270$106
    Safe Driver Age 50$1,154$96
    Safe Driver Age 60$1,132$94
    High Deductibles Age 40$1,066$89
    Discount Rate Age 40$1,058$88

    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.