- Car insurance cost in Tennessee averages $1,718 per year, or $143 as a monthly expense.
- Tennessee ranks sixth out of 12 states in the Southeast region for car insurance affordability.
- A few of the top 50 vehicles with cheap car insurance in Tennessee include the Nissan Kicks, Chevrolet Trailblazer, Subaru Crosstrek, Honda Passport, and Nissan Rogue Sport.
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.
- Ford F-150 pickup – $1,746 per year ($146 per month)
- Honda CR-V compact SUV – $1,456 per year ($121 per month)
- Chevrolet Equinox compact SUV – $1,546 per year ($129 per month)
- Toyota RAV4 compact SUV – $1,592 per year ($133 per month)
- 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.
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.
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 $1,420 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.
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 $1,878 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.
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.
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.
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.
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.
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 - $2,110 per year or $176 per month
- Nashville Car Insurance - $1,764 per year or $147 per month
- Knoxville Car Insurance - $1,728 per year or $144 per month
- Chattanooga Car Insurance - $1,654 per year or $138 per month
- Clarksville Car Insurance - $1,710 per year or $143 per month
- Murfreesboro Car Insurance - $1,656 per year or $138 per month
- Jackson Car Insurance - $1,784 per year or $149 per month
- Johnson City Car Insurance - $1,488 per year or $124 per month