Cheap Car Insurance in Tennessee
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Tennessee Car Insurance Minimums
Tennessee requires all drivers to carry minimum liability insurance. Here are the state-mandated minimums:
Bodily Injury (per person)
$25,000
Bodily Injury (per accident)
$50,000
Property Damage
$25,000
At-fault (tort) state.
Source: Tenn. Code Ann. § 55-12-107; § 56-7-1201, verified 2026-09-01.
What drives car insurance rates in Tennessee
Average spend per insured vehicle, 2023
$1,050
Tennessee drivers spent $1,050 per insured vehicle on liability, collision and comprehensive in 2023, against $1,282 nationally.
Claims paid per premium dollar, 2023
72.6¢
Auto insurers in Tennessee paid 72.6 cents in claims for every premium dollar in 2023; the median state was 72 cents.
Traffic deaths per 100 million miles, 2024
1.52
Tennessee recorded 1,197 traffic deaths in 2024, 1.52 per 100 million vehicle miles against 1.19 nationally. Injury claims follow crash severity.
Vehicle thefts per 100,000 residents, 2025
226.4
Tennessee reported 16,560 motor vehicle thefts in 2025, 226.4 per 100,000 residents, from 336.7 the year before. Theft claims are paid under comprehensive coverage.
Natural-hazard loss rank
#15
FEMA ranks Tennessee #15 of 51 for expected annual loss from natural hazards; flood accounts for 39% of that loss, and comprehensive coverage is what pays for flood damage.
- Average spend per insured vehicle, 2023: NAIC Auto Insurance Database Report, 2023 data
- Claims paid per premium dollar, 2023: NAIC Profitability by Line by State, 2023
- Traffic deaths per 100 million miles, 2024: NHTSA Fatality Analysis Reporting System, 2024
- Vehicle thefts per 100,000 residents, 2025: FBI Crime in the United States, 2025
- Natural-hazard loss rank: FEMA National Risk Index
Largest auto insurers in Tennessee
The ten insurer groups that wrote the most auto premium in Tennessee in 2025, with their share of the state total of $6.9 billion.
| # | Insurer group | Market share | Premiums written |
|---|---|---|---|
| 1 | State Farm Group | 21.07% | $1.4 billion |
| 2 | Progressive Group | 16.78% | $1.2 billion |
| 3 | Tennessee Farmers Group | 15.57% | $1.1 billion |
| 4 | Allstate Insurance Group | 11.21% | $771 million |
| 5 | Berkshire Hathaway Group | 6.89% | $474 million |
| 6 | United Services Automobile Association Group | 5.73% | $394 million |
| 7 | Erie Insurance Group | 3.37% | $232 million |
| 8 | Liberty Mutual Group | 2.22% | $153 million |
| 9 | Alfa Insurance Group | 1.97% | $136 million |
| 10 | Farmers Insurance Group | 1.85% | $127 million |
Source: NAIC Market Share Reports, 2025 data, direct premiums written by insurer group. GEICO writes inside Berkshire Hathaway Group. Ranking is market commentary; it says nothing about which carriers a quote comparison includes.
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