{"id":324544,"date":"2025-11-11T17:38:10","date_gmt":"2025-11-11T22:38:10","guid":{"rendered":"https:\/\/www.reviews.com\/?page_id=87017"},"modified":"2025-11-11T17:38:10","modified_gmt":"2025-11-11T22:38:10","slug":"best-in-tennessee","status":"publish","type":"page","link":"https:\/\/www.reviews.com\/insurance\/car\/best-in-tennessee\/","title":{"rendered":"Best Tennessee Car Insurance Companies"},"content":{"rendered":"            <span class=\"b-toc-anchor\" id=\"overview\" title=\"Best Tennessee Car Insurance Companies\"><\/span>\n    \n\n\n<p>Reviews.com compared the largest insurance companies by market share in Tennessee to help you find the <a href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">best car insurance companies<\/a> for your policy. Tennessee drivers still tend to pay less than the national average, but premiums rose sharply across 2023\u20132025 as repair, medical, and claim costs climbed (see the Bureau of Labor Statistics\u2019 <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">motor vehicle insurance CPI<\/a>). Current statewide benchmarks put typical full coverage roughly in the mid\u2013$1,500s to mid\u2013$1,700s per year and minimum coverage roughly in the low\u2013$400s to low\u2013$500s, based on recent analyses from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>. The best car insurance in Tennessee goes beyond price to include strong service, helpful perks, and the right coverage options and digital tools; our research can make your shopping easier.<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"top-picks\" title=\"Our Top Picks\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The 4 Best Auto Insurance Companies in Tennessee<\/h2>\n\n\n\n<p>To find the best car insurance companies in Tennessee, we reviewed current 2025 statewide pricing benchmarks from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>; evaluated each company\u2019s coverages and discounts, as well as their digital tools and third-party scores; and considered <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power\u2019s 2024 U.S. Auto Insurance Study<\/a>. Based on our research, these four companies are among the best in the state.<\/p>\n\n\n\n<ul><li><strong><a href=\"#geico\" rel=\"nofollow\" class=\"achor-toggles\">Geico<\/a>:<\/strong> Best for Low Average Prices<\/li><li><a href=\"#usaa\" rel=\"nofollow\" class=\"achor-toggles\"><strong>USAA<\/strong><\/a><strong>: <\/strong>Best for Military-Centric Options<\/li><li><a href=\"#erie\" rel=\"nofollow\" class=\"achor-toggles\"><strong>Erie<\/strong><\/a><strong>:<\/strong> Best for Customer Satisfaction<\/li><li><a href=\"#state-farm\" rel=\"nofollow\" class=\"achor-toggles\"><strong>State Farm<\/strong><\/a><strong>:<\/strong> Best for Local Agencies<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"comparison-table\" title=\"Comparison Table\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Compare the Best Car Insurance Companies in Tennessee<\/h2>\n\n\n\n<p>Our picks for the best auto insurance companies in Tennessee are based on our research method. The best company for you will depend on your unique situation and needs, and in today\u2019s high-price environment, it\u2019s wise to compare fresh quotes and consider telematics\/usage-based programs that may lower your premium (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power 2024<\/a>).<\/p>\n\n\n\t\t\n<section id=\"block_62791338e32df\" class=\"b-compare-table\">\n\t<h2 class=\"b-compare-table-title\"><\/h2>\n\n\t\t\t<div class=\"b-compare-table__table-wrapper\">\n\t\t\t<table class=\"b-compare-table__table\">\n\t\t\t\t<thead class=\"b-compare-table__table-head\">\n\t\t\t\t\t<tr>\n\t\t\t\t\t\t<th><\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE ANNUAL MINIMUM COVERAGE PREMIUM\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand \">\n\t\t\t\t\t\t\t\t\tAVERAGE ANNUAL FULL COVERAGE PREMIUM\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tAM BEST\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tAM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t\t\t\n\t\t\t\t\t\t\t<th>\n\t\t\t\t\t\t\t\t<span class=\"b-compare-table__table-head-brand tooltip\">\n\t\t\t\t\t\t\t\t\tJ.D. POWER**\n\t\t\t\t\t\t\t\t\t<span class=\"tooltip-content\">\n\t\t\t\t\t\t\t\t\t\tJ.D. Power scores are based on surveys for customer satisfaction and product quality.\n\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/th>\n\n\t\t\t\t\t\t<\/th>\n\t\t\t\t\t\t\t\t\t\t<th><\/th>\n\t\t\t\t<\/thead>\n\t\t\t<\/tr>\n\t\t<\/thead>\n\t\t<tbody class=\"b-compare-table__table-body\">\n\t\t\t\t\t\t\t<tr id=\"block_62791338e32df-1\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='1'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Geico<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$220<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$992<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>843<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62791338e32df-2\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='2'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">USAA<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$310<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,116<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>890<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62791338e32df-3\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='3'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">Erie<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$343<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,629<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A+<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>874<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t\t\t<tr id=\"block_62791338e32df-4\">\n\t\t\t\t\t<td>\n\t\t\t\t\t\t<a class=\"b-compare-table__table-body-pin-btn\" href=\"#\" data-tag='cta' data-tag-element-type='BUTTON' data-tag-location='COMPARISONTABLE' data-tag-outcome='PIN' data-tag-position='4'>Pin<\/a>\n\n\t\t\t\t\t\t<span class=\"b-compare-table__table-body-brand\">State Farm<\/span>\n\t\t\t\t\t<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$328<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>$1,154<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>A++<\/td>\n\t\t\t\t\t\t\t\t\t\t\t<td>859<\/td>\n\t\t\t\t\t\n\t\t\t\t\t<td>\n\t\t\t\t\t\t\t\t\t\t\t<\/td>\n\t\t\t\t<\/tr>\n\t\t\t\t\t<\/tbody>\n\t<\/table>\n<\/div><\/section>\n\n\n\n<p><em>Information current as of 2025. Average premiums have increased since earlier datasets; see the BLS <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">CPI release<\/a> and 2025 Tennessee benchmarks from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>.<\/em><\/p>\n\n\n\n<p><em>*Legacy premium figures in embedded tables reflect earlier Bankrate data and may be lower than current 2025 averages; see <a href=\"https:\/\/www.bankrate.com\">Bankrate\u2019s Tennessee car insurance page<\/a> for the latest methodology and estimates.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">2024 U.S. Auto Insurance Study<\/a> rating for the Southeast region (includes Tennessee). Based on a 1,000-point scale. USAA is not officially ranked due to eligibility restrictions. <\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"geico\" title=\"Best for Low Average Prices\"><\/span>\n    \n\n                                                \n\n\n<section id=\"geico\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Geico<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Low Average Prices<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Geico has the lowest average minimum and full coverage premiums on our list, meaning it could be a good option for drivers on a budget.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?refer=Auto_Geico&#038;rvitemid=342882-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$992*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">843**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Geico has the lowest average minimum and full coverage premiums on our list, meaning it could be a good option for drivers on a budget.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Low annual premiums<\/li>\n                            <li>Long list of discounts<\/li>\n                            <li>Superior AM Best financial strength rating<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Few options for policy customization<\/li>\n                                    <li>Lower-than-average J.D. Power score<\/li>\n                                    <li>Higher-than-average <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=22063&#038;:refresh\" rel=\"noopener\" target=\"_blank\">overall NAIC complaint index<\/a><\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Renters<\/li>\n<li>Motorcycle\/ATV<\/li>\n<li>Boat<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Emergency deployment<\/li>\n<li>Membership and employee<\/li>\n<li>New vehicle<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"usaa\" title=\"Best for Military-Centric Options\"><\/span>\n    \n\n                                                \n\n\n<section id=\"usaa\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">USAA<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Military-Centric Options<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                USAA serves only military members, veterans, and qualifying family members. If you qualify, you may find low average rates paired with highly-respected customer service.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/oc.brcclx.com\/t\/?lid=26672716&#038;cr=27703&#038;last_updated=1594081711&#038;sid=\" class=\"reviews-btn--primary\" rel=\"nofollow sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,116*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">890**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                USAA serves only military members, veterans, and qualifying family members. If you qualify, you may find low average rates paired with highly-respected customer service.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>High J.D. Power customer satisfaction scores<\/li>\n                            <li>Superior financial strength<\/li>\n                            <li>Military-specific coverage options<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Limited eligibility<\/li>\n                                    <li>Few physical offices available<\/li>\n                                    <li>Fewer endorsements than some competitors<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Antique and classic car<\/li>\n<li>Aviation<\/li>\n<li>Home<\/li>\n<li>Umbrella<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>SafePilot<\/li>\n<li>Military installation<\/li>\n<li>Loyalty<\/li>\n<li>Clean driving record<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"erie\" title=\"Best for Customer Satisfaction\"><\/span>\n    \n\n                                                \n\n\n<section id=\"erie\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">Erie<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Customer Satisfaction<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                Erie earned the highest official J.D. Power customer satisfaction score on our list, so it might be a good choice if you\u2019re looking for a carrier with stellar service.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=343300-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,629*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A+<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">874**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                Erie earned the highest official J.D. Power customer satisfaction score on our list, so it might be a good choice if you\u2019re looking for a carrier with stellar service.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>High J.D. Power customer satisfaction score<\/li>\n                            <li>Numerous coverage options<\/li>\n                            <li>Several discounts<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Highest average premium on our list<\/li>\n                                    <li>Financial strength is lower than some competitors<\/li>\n                                    <li>Not available in all states<\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Mobile home<\/li>\n<li>Flood<\/li>\n<li>Life<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Youthful driver<\/li>\n<li>College student<\/li>\n<li>Safe driving<\/li>\n<li>Annual payment plan<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n            <span class=\"b-toc-anchor\" id=\"state-farm\" title=\"Best for Local Agencies\"><\/span>\n    \n\n                                                \n\n\n<section id=\"state-farm\" class=\"block b-mini-review\">\n    <div class=\"b-mini-review__top-content\">\n        <div class=\"b-mini-review__logo-wrapper\">\n                            <span class=\"b-mini-review__logo-wrapper-title\">State Farm<\/span>\n                    <\/div>\n        <div class=\"b-mini-review__top-info\">\n            <h3 class=\"b-mini-review__top-info-title\"> Best for Local Agencies<\/h3>\n                        <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\"> WHY WE CHOSE IT<\/p>\n                                    <div class=\"b-mini-review__top-info-desc\">\n                With a network of local agencies across Tennessee, State Farm might appeal to drivers who prefer to handle their insurance needs in person.\n            <\/div>\n                    <\/div>\n        <div class=\"b-mini-review__ratings-bar\">\n            <div class=\"b-mini-review__ratings-bar-button-wrapper\">\n                                <a href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/?rvitemid=325309-20\" class=\"reviews-btn--primary\" rel=\" sponsored\">Compare rates<\/a>\n            <\/div>\n            <div class=\"b-mini-review__ratings\">\n            <ul class=\"b-mini-review__ratings-list\">\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">$1,154*<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        Average Premium\n                                                    <span class=\"tooltip-content\">Pricing data comes from our partners at Bankrate.com.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">A++<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        AM Best Rate\n                                                    <span class=\"tooltip-content\">AM Best rates insurance providers creditworthiness. Ratings are  based on the provider\u2019s ability to follow through with a payout when a consumer files a claim.<\/span>\n                                            <\/span>\n                <\/li>\n                                            <li class=\"b-mini-review__rating\">\n                    <span class=\"b-mini-review__rating-higtlight\">859**<\/span>\n                    <span class=\"b-mini-review__rating-desc tooltip\">\n                        J.D. Power\n                                                    <span class=\"tooltip-content\">J.D. Power scores are based on surveys for customer satisfaction and product quality.<\/span>\n                                            <\/span>\n                <\/li>\n                        <\/ul>\n            <\/div>\n        <\/div>\n\n        <div class=\"b-mini-review__top-info_mobile\">\n            <p class=\"b-mini-review__subtitle b-mini-review__top-info-subtitle\">Why we chose it<\/p>\n            <div class=\"b-mini-review__top-info-desc\">\n                With a network of local agencies across Tennessee, State Farm might appeal to drivers who prefer to handle their insurance needs in person.\n            <\/div>\n        <\/div>\n\n    <\/div>\n\n    <div class=\"b-mini-review__bottom-content\">\n        <div class=\"b-mini-review__pros-cons-list-wrapper\">\n            <h4 class=\"b-mini-review__subtitle\">Pros<\/h4>\n            <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_pros\">\n                            <li>Local agencies available<\/li>\n                            <li>Superior AM Best financial strength rating<\/li>\n                            <li>Higher-than-average J.D. Power customer satisfaction score<\/li>\n                        <\/ul>\n\n                    <\/div>\n                    <div class=\"b-mini-review__pros-cons-list-wrapper\">\n                <h4 class=\"b-mini-review__subtitle\">Cons<\/h4>\n                <ul class=\"b-mini-review__pros-cons-list b-mini-review__pros-cons-list_cons\">\n                                    <li>Accident forgiveness cannot be purchased, only earned<\/li>\n                                    <li>No gap coverage<\/li>\n                                    <li>Higher-than-average <a href=\"https:\/\/www.naic.org\/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&#038;COCODE=25178&#038;:refresh\" rel=\"noopener\" target=\"_blank\">overall NAIC complaint index<\/a><\/li>\n                                <\/ul>\n            <\/div>\n        \n        <div class=\"b-mini-review__desc-wrapper \">\n            <div class=\"b-mini-review__accordion-header\">\n                <span class=\"b-mini-review__accordion-text\">Read More<\/span>\n            <\/div>\n            <div class=\"b-mini-review__accordion-content\">\n                            <h4 class=\"b-mini-review__subtitle\">OTHER POLICIES OFFERED<\/h4>\n                <div> <ul>\n<li>Home<\/li>\n<li>Condo<\/li>\n<li>Farm and ranch<\/li>\n<li>Business<\/li>\n<\/ul>\n <\/div>\n                            <h4 class=\"b-mini-review__subtitle\">STANDOUT DISCOUNTS AVAILABLE<\/h4>\n                <div> <ul>\n<li>Steer Clear<\/li>\n<li>Drive Safe &amp; Save<\/li>\n<li>Vehicle safety features<\/li>\n<li>Accident free<\/li>\n<\/ul>\n <\/div>\n                        <div>\n        <\/div>\n    <\/div>\n<\/section>\n\n\n\n<p><em>* Legacy premium figures in embedded tables reflect earlier Bankrate data and may be lower than current 2025 averages; see <a href=\"https:\/\/www.bankrate.com\">Bankrate\u2019s Tennessee car insurance page<\/a> for the latest methodology and estimates.<\/em><\/p>\n\n\n\n<p><em>**J.D. Power 2024 U.S. Auto Insurance Study rating for the Southeast region (includes Tennessee). Based on a 1,000-point scale. USAA is not officially ranked due to eligibility restrictions.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"average-cost\" title=\"Average Cost\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">The Average Cost of Car Insurance in Tennessee<\/h2>\n\n\n\n<p>Tennessee drivers enjoy relatively affordable car insurance compared with the U.S. average, but prices are higher than a few years ago. Recent 2025 benchmarks place minimum coverage around $400\u2013$520 per year and full coverage around $1,550\u2013$1,750 per year, depending on profile and source (<a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>; <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>; <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>). Rates climbed sharply in 2023\u20132025 amid higher repair and medical costs, reflected in the BLS <a href=\"https:\/\/www.bls.gov\/news.release\/cpi.nr0.htm\">motor vehicle insurance CPI<\/a>. The cost of car insurance varies by company and by person. Location plays a role, as those who live in areas with inclement weather or higher claim frequency may pay higher rates. Factors such as driving history, credit score, age, vehicle, and coverage choices also influence your price. Getting several <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\">car insurance quotes<\/a> and comparing them is a good strategy to find the right fit for your needs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Car Insurance Companies in Tennessee<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Grange<\/td><td>$966<\/td><\/tr><tr><td>Geico<\/td><td>$992<\/td><\/tr><tr><td>Travelers<\/td><td>$1,052<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Figures below reflect earlier snapshots and methodologies and may be lower than current 2025 averages. For up-to-date benchmarks, see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Car Insurance Companies in Tennessee<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>Company<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Chubb<\/td><td>$1,808<\/td><\/tr><tr><td>Allstate<\/td><td>$1,777<\/td><\/tr><tr><td>Safe Auto<\/td><td>$1,672<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*Figures below reflect earlier snapshots and methodologies and may be lower than current 2025 averages. For up-to-date benchmarks, see <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Cheapest Cities for Car Insurance in Tennessee<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Bristol<\/td><td>$1,121<\/td><\/tr><tr><td>Walnut Hill<\/td><td>$1,121<\/td><\/tr><tr><td>Piney Flats<\/td><td>$1,123<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*City-level averages vary by ZIP code and have risen since 2021. For current city comparisons and statewide context, see <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a> and <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>.<\/em><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Top 3 Most Expensive Cities for Car Insurance in Tennessee<\/h3>\n\n\n\n<figure class=\"wp-block-table table table-striped table-bordered table--bordered-top\"><table class=\"\"><tbody><tr><td><strong>City<\/strong><\/td><td><strong>Average Annual Full Coverage Premium*<\/strong><\/td><\/tr><tr><td>Memphis<\/td><td>$1,689<\/td><\/tr><tr><td>Cordova<\/td><td>$1,564<\/td><\/tr><tr><td>Bartlett<\/td><td>$1,552<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><em>*City-level averages vary by ZIP code and have risen since 2021. For current city comparisons and statewide context, see <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a> and <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>.<\/em><\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"key-things\" title=\"Key Things to Know\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Key Things to Know About Car Insurance in Tennessee<\/h2>\n\n\n\n<p>Tennessee has the third-highest <a href=\"https:\/\/www.iii.org\/fact-statistic\/facts-statistics-uninsured-motorists\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">estimated number of uninsured motorists<\/a> in the country at about 23% (latest IRC estimate summarized by III), well above the 2022 U.S. average of 14.0% (<a href=\"https:\/\/insurance-research.org\">Insurance Research Council<\/a>). This means that, although not required by the state, adding uninsured motorist coverage could be a good idea\u2014and by default, Tennessee policies include UM unless rejected in writing (<a href=\"https:\/\/law.justia.com\/codes\/tennessee\/2024\/title-56\/chapter-7\/part-12\/section-56-7-1201\/\">Tenn. Code \u00a7 56-7-1201<\/a>). Tennessee also uses an electronic insurance verification program that can suspend a vehicle\u2019s registration for noncompliance (<a href=\"https:\/\/www.tn.gov\">TN Dept. of Revenue<\/a>). Additionally, drivers should always familiarize themselves with their state\u2019s unique car insurance laws before getting on the road. The laws vary from state to state.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Tennessee Car Insurance Requirements<\/h3>\n\n\n\n<p>Tennessee requires that all drivers purchase an insurance policy with at least the state\u2019s <a aria-label=\" (opens in a new tab)\" href=\"https:\/\/www.tn.gov\" target=\"_blank\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">minimum required coverage types and levels<\/a>. By statute, the minimum liability limits are 25\/50\/15 (<a href=\"https:\/\/law.justia.com\/codes\/tennessee\/2024\/title-55\/chapter-12\/part-1\/section-55-12-102\/\">Tenn. Code \u00a7 55-12-102<\/a>). To drive legally, your policy must have at least:<\/p>\n\n\n\n<ul><li>$25,000 bodily injury liability per person<\/li><li>$50,000 bodily injury liability per accident<\/li><li>$15,000 property damage liability per accident<\/li><\/ul>\n\n\n\n<p>While Tennessee doesn\u2019t require that drivers carry uninsured motorist coverage, it could be a good idea, given the high estimated percentage of uninsured drivers in the state. You may also need to purchase comprehensive and collision coverage if you have a loan or lease on your car. Tennessee verifies coverage electronically and can suspend a vehicle registration for noncompliance (<a href=\"https:\/\/www.tn.gov\">Financial Responsibility Verification Program<\/a>), and insurers must include UM unless you reject it in writing (<a href=\"https:\/\/law.justia.com\/codes\/tennessee\/2024\/title-56\/chapter-7\/part-12\/section-56-7-1201\/\">Tenn. Code \u00a7 56-7-1201<\/a>).<\/p>\n\n\n            <span class=\"b-toc-anchor\" id=\"coverage-options\" title=\"Coverage Options\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Car Insurance Coverage Options<\/h2>\n\n\n\n<p>If you\u2019re looking to build a more robust policy, consider these optional coverages, and ask about telematics\/usage-based programs that may unlock discounts in today\u2019s high-rate environment (<a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2024-us-auto-insurance-study\">J.D. Power 2024<\/a>; <a href=\"https:\/\/content.naic.org\">NAIC<\/a>):<\/p>\n\n\n\n<ul><li><strong>Uninsured and underinsured motorist:<\/strong> As mentioned above, these coverage options may be a good consideration in Tennessee. These coverages pay for your damages if you are hit by an uninsured motorist or by a motorist who doesn\u2019t have enough coverage to pay for your expenses, respectively.<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/what-is-gap-insurance\/\" class=\"achor-toggles\"><strong>Gap insurance<\/strong><\/a><strong>: <\/strong>Gap insurance is designed to pay for the difference between the actual cash value of your vehicle if it is totaled or stolen and the balance on your loan.<\/li><li><a href=\"https:\/\/www.reviews.com\/insurance\/car\/why-you-need-rideshare-insurance\/\" class=\"achor-toggles\"><strong>Rideshare coverage<\/strong><\/a><strong>: <\/strong>Rideshare drivers \u2014 those who drive for Uber, Lyft, or other such services \u2014 may need this endorsement to provide coverage while they are on the app and looking for a passenger but before a passenger gets in the vehicle (at which point, the rideshare company\u2019s coverage kicks in).<\/li><li><strong>Roadside assistance: <\/strong>Most insurance companies offer this optional coverage, which can help pay for the cost of a tow, tire change, jump start, or other roadside services.<\/li><\/ul>\n\n\n            <span class=\"b-toc-anchor\" id=\"faqs\" title=\"Frequently Asked Questions\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Frequently Asked Questions<\/h2>\n\n\n<div id=\"block_62791727e3330\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I find the best car insurance in Tennessee?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>The best car insurance for you will depend on your specific needs, wants, and circumstances. A good strategy is to write down what you\u2019re looking for in a company \u2014 like good customer service ratings, a mobile app, or certain coverages \u2014 and shop around to find a company that meets your needs.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62791742e3331\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What happens if I don\u2019t buy Tennessee car insurance?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Tennessee car insurance is required by law, so drivers must purchase a policy with at least the state minimum limits. Driving without insurance can lead to fines, license suspension, and potentially even jail time.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_62791759e3332\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">How do I file a car insurance claim?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p>Many companies offer online or mobile tools that you can use to file a claim, or you may need to call the number listed on the back of your auto insurance ID card or your local agency. Be prepared with as much information about the incident as you can have, like the date and time it happened, the details of what happened, and the other driver\u2019s information, if you know it.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n            <span class=\"b-toc-anchor\" id=\"methodology\" title=\"Methodology\"><\/span>\n    \n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. For the best car insurance companies, our editorial team compared affordability, customer support, coverage options, customer satisfaction scores, and online resources from each company to determine top providers.\u00a0<\/p>\n\n\n\n<p>As for average pricing, we referenced 2025 statewide Tennessee benchmarks from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>, and <a href=\"https:\/\/www.valuepenguin.com\">ValuePenguin<\/a>. Each source models a slightly different driver profile and coverage set; figures are directional and not quotes.<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers typically use a mid-size sedan, commute five days a week, and drive about 12,000 miles annually.\u00a0<\/p>\n\n\n\n<p>These are sample rates and should only be used for comparative purposes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews.com compared the largest insurance companies by market share in Tennessee to help you find the best car insurance companies for your policy. Tennessee drivers still tend to pay less than the national average, but premiums rose sharply across 2023\u20132025 as repair, medical, and claim costs climbed (see the Bureau of Labor Statistics\u2019 motor vehicle [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":358517,"parent":1760,"menu_order":0,"comment_status":"closed","ping_status":"open","template":"page-templates\/template-refresh.php","meta":[],"categories":[1266],"tags":[],"post_author":[23280],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Best Tennessee Car Insurance Companies | Reviews<\/title>\n<meta name=\"description\" content=\"We looked at more than a dozen of the top car insurance companies in Tennessee by market share to determine which ones gave you the most bang for your buck.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link 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