10 Best Auto Insurance Companies in Tennessee for 2025 (Top Providers in TN)
Erie, Nationwide, and State Farm are the best auto insurance companies in Tennessee. State Farm has the cheapest insurance rates in Tennessee, starting at $29 a month, but Erie makes full coverage affordable with Rate Lock. Nationwide gives safe drivers up to 40% off with SmartRide usage-based discounts.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
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UPDATED: Sep 8, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Sep 8, 2025
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes should be easy. This doesn’t influence our content. Our opinions are our own.
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1,883 reviewsCompany Facts
Full Coverage in Tennessee
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Pros & Cons
1,883 reviews
3,071 reviewsCompany Facts
Full Coverage in Tennessee
A.M. Best Rating
Complaint Level
Pros & Cons
3,071 reviews
18,157 reviewsCompany Facts
Full Coverage in Tennessee
A.M. Best Rating
Complaint Level
Pros & Cons
18,157 reviewsErie, Nationwide, and State Farm are the best auto insurance companies in Tennessee, with monthly rates starting at $29.
Our Top 10 Picks: Best Auto Insurance Companies in Tennessee| Company | Rank | Claims Satisfaction | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 718 / 1,000 | A+ | Customer Service | Erie |
 | #2 | 691 / 1,000 | A+ | UBI Availability | Nationwide |
 | #3 | 677 / 1,000 | A++ | Affordable Premiums | State Farm |
 | #4 | 670 / 1,000 | A++ | Good Drivers | Geico |
 | #5 | 666 / 1,000 | A | Signal App | Farmers |
 | #6 | 654 / 1,000 | A+ | Reliable Coverage | Allstate |
 | #7 | 651 / 1,000 | A++ | Claims Handling | Auto-Owners |
 | #8 | 645 / 1,000 | A+ | Innovative Discounts | Progressive |
 | #9 | 626 / 1,000 | A | Comprehensive Options | Liberty Mutual |
 | #10 | 606 / 1,000 | A++ | Bundling Policies | Travelers |
Erie stands out with Rate Lock, which prevents your premium from increasing after claims or a change of address. Both State Farm and Erie offer low rates and exceptional customer service through local agents.
Nationwide adds unique value with free yearly policy reviews and up to 40% off through its SmartRide usage-based insurance (UBI) discounts.
- Erie includes roadside assistance and rental car coverage as optional add-ons
- Drivers with clean records in Tennessee can earn up to 40% off with Nationwide
- Tennessee mandates 25/50/15 liability limits for minimum coverage plans
State Farm delivers with an A++ A.M. Best rating, a low 0.57 complaint index, and up to 17% multi-policy savings, making it a reliable pick for families. Enter your ZIP code and get multiple auto insurance quotes in minutes.
Compare Auto Insurance Rates in Tennessee
Car insurance rates in Tennessee can look similar at first glance, but comparing Tennessee auto insurance companies side by side is one of the smartest ways to pay less for car insurance.
Tennessee Auto Insurance Monthly Rates by Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $57 | $183 |
| $38 | $120 |
| $32 | $98 |
| $34 | $110 |
| $31 | $100 |
| $42 | $235 |
| $47 | $151 |
| $36 | $118 |
| $29 | $92 |
| $35 | $112 |
If you’re just looking for basic protection and driving an older car, State Farm’s $29 monthly minimum coverage might be all you need. However, if you drive daily or have a newer vehicle, Erie’s $98 monthly full coverage policies provide solid protection without breaking the bank.
Liberty Mutual’s high $235 per month rate could mean more perks, but it may not be worth it unless you need extras like new car replacement. That’s why comparing the price and the coverage details matters so much in Tennessee.
Having a guide to auto insurance makes it easier to see how age can impact Tennessee car insurance costs. If you’re 16, paying over $350 a month with Liberty Mutual could push you to stay on a parent’s policy or shop around for better rates.
Tennessee Auto Insurance Monthly Rates by Age
Company Age 16 Age 25 Age 35 Age 45 Age 55 Age 65
$285 $66 $62 $57 $54 $56
$210 $52 $44 $38 $36 $37
$198 $48 $40 $32 $30 $31
$257 $55 $51 $34 $32 $33
$206 $36 $33 $31 $29 $31
$372 $84 $78 $42 $34 $48
$228 $61 $57 $47 $45 $46
$355 $56 $51 $36 $34 $36
$131 $39 $36 $29 $27 $28
$138 $38 $36 $35 $33 $34
By 25, Erie’s $48 monthly rate shows how quickly things calm down once you build some experience behind the wheel. State Farm’s $27 per month premium at 55 is proof that safe driving over the years pays off.
Your driving record can change your rates more than your age, and not every company handles it the same way. In Tennessee, accidents, tickets, and DUIs all come with very different price tags depending on who insures you.
Tennessee Auto Insurance Monthly Rates by Driving Record
Insurance Company Clean Record One Accident One DUI One Ticket
$57 $75 $79 $64
$38 $53 $61 $47
$32 $41 $52 $39
$34 $48 $50 $43
$31 $56 $127 $31
$42 $58 $46 $54
$47 $47 $88 $56
$36 $60 $41 $48
$29 $34 $32 $32
$35 $47 $51 $45
State Farm keeps monthly rates near $101 after minor mistakes, while Geico hikes DUI premiums from $100 to $410 per month, the steepest increase. Erie is more forgiving, adding just $47 to monthly rates after an accident.
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Tennessee Auto Insurance Coverage Requirements
If you’re driving in Tennessee, you’ve got to meet the Tennessee car insurance requirements, which means carrying at least 25/50/15 in liability coverage.
- $25,000 for injuries to one person
- $50,000 total if more than one person gets hurt
- $15,000 for property damage
Liability auto insurance coverage is required in Tennessee and helps pay for any injuries or damage you cause to someone else, but it doesn’t cover your car. If you want help paying for your repairs or a stolen vehicle, you’ll want to add collision and comprehensive auto insurance to your policy.
Auto Insurance Coverage Options in Tennessee
When shopping for the best car insurance in Tennessee, it’s helpful to understand exactly what each type of coverage entails. These basics make a big difference when dealing with an accident, theft, or unexpected car trouble.
Auto Insurance Coverage Options: Complete Breakdown| Coverage Type | What It Covers |
|---|---|
| Liability | Damage or injuries you cause to others in an accident |
| Collision | Repairs or replacement of your car after a crash |
| Comprehensive | Non-crash damage like theft, weather, animals |
| Uninsured/Underinsured Motorist | Injuries or damage from uninsured drivers |
| Medical Payments (MedPay) | Medical bills for you and passengers after an accident |
| Personal Injury Protection (PIP) | Medical expenses and lost wages after a crash |
| Accident Forgiveness | Avoids rate increase after first at-fault accident |
| Custom Equipment | Aftermarket parts or upgrades not in standard policies |
| Gap Insurance | Difference between car value and loan if totaled |
| New Car Replacement | Cost of a brand new replacement vehicle |
| Rental Car Reimbursement | Rental car costs while your car is repaired |
| Rideshare Coverage | Rideshare driving not covered by personal policy |
| Roadside Assistance | Towing, jump-starts, flat tires, lockouts |
Collision coverage helps cover the cost of fixing or replacing your car if you crash, even when it’s your fault. Comprehensive coverage includes hail damage, stolen cars, falling trees, or even a deer on the road. Uninsured/underinsured motorist coverage protects you if the other driver doesn’t have enough insurance, or any at all.
MedPay helps with medical bills after a crash, while PIP goes further by covering lost wages. Tennessee doesn’t make you carry medical payments coverage (MedPay) or uninsured motorist coverage, but they’re a smart idea. Nearly 1 in 4 drivers in TN don’t have insurance, so having that extra protection can save you from a major bill after a hit-and-run.
Ways to Save on Auto Insurance in Tennessee
If you drive safely, own a newer car, or bundle your coverage, these are auto insurance discounts you can’t miss when shopping for the best Tennessee car insurance.
Top Auto Insurance Discounts in Tennessee| Company | Anti- Theft | Bundling | Claims- Free | Good Driver | New Vehicle |
|---|---|---|---|---|---|
| 10% | 25% | 10% | 25% | 10% |
| 12% | 16% | 10% | 25% | 8% |
| 15% | 25% | 10% | 23% | 12% |
| 10% | 20% | 9% | 30% | 12% |
| 25% | 25% | 12% | 26% | 10% |
| 35% | 25% | 8% | 20% | 8% |
| 5% | 20% | 14% | 40% | 15% |
| 25% | 10% | 10% | 30% | 10% |
| 15% | 17% | 11% | 25% | 15% |
| 15% | 13% | 13% | 10% | 8% |
At Nationwide, a 40% safe driver discount can cut full coverage rates almost in half, and Liberty Mutual’s 35% anti-theft discount helps mitigate the $235 monthly rate if your car has good security.
Drivers who log low annual mileage should seriously consider telematics programs, since usage-based discounts like SmartRide can knock 30% to 40% off premiums.
Michelle Robbins Licensed Insurance Agent
Erie’s 12% new car discount makes its already low $98 full coverage even easier on your wallet if you’re behind the wheel of something fresh off the lot. And if you’re bundling home and auto policies, State Farm’s 17% discount is a great option, especially for families looking for the best insurance companies for home and auto in Tennessee.
Discounts are great, but they’re not the only way to lower your car insurance bill in Tennessee. Some everyday choices can go a long way in helping you keep costs down.
- Drive Less When You Can: If logging fewer than 8,000 miles a year, you could qualify for major savings through usage-based programs like SmartRide or Snapshot—some drivers shave off up to 30%.
- Avoid Filing Small Claims: Filing a $1,000 fender bender might sound harmless, but it could raise your premium for years. Paying out of pocket for minor stuff can be the smarter move.
- Live in a Lower-Risk Area: Rates can spike in high-claim ZIP codes like Memphis or Nashville. But if you’re in a place like Franklin or Hendersonville, you’ll get better rates because of fewer accidents.
- Increase Your Deductible: Raising your deductible from $250 to $1,000 could noticeably cut your monthly rate, especially if you don’t file claims often or your car isn’t at high risk.
- Build Your Credit Score: A low credit score in Tennessee can quietly add $100 or more to your monthly bill. Even going from poor to fair credit can lead to big yearly savings.
Little lifestyle choices like these can make a real dent in your auto insurance bill, without touching your coverage. This is especially true for auto insurance for seniors, where habits like low-mileage driving and strong credit can lead to even more savings.
How Local Risks Shape Tennessee Auto Insurance Quotes
Auto insurance quotes in Tennessee reflect what’s happening on the local roads and highways. Traffic isn’t too bad overall, which helps keep costs reasonable in many areas.
Tennessee Report Card: Auto Insurance Premiums| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B | City traffic is moderate; statewide congestion is low. |
| Weather-Related Risk | B- | Tornadoes and storms raise risk, especially in rural areas. |
| Average Claim Size | C+ | Repair and medical costs are slightly above average. |
| Vehicle Theft Rate | C | Theft is high in urban areas like Memphis. |
| Uninsured Drivers Rate | D+ | Nearly 1 in 4 drivers is uninsured, raising costs for others. |
Car theft is a bigger issue in places like Memphis, but storms in rural regions also drive up comprehensive coverage rates across the state. With 25% of Tennessee drivers uninsured, that D+ grade means higher premiums for everyone just to cover the gap.
Some types of car insurance claims show up more often than others in Tennessee, and the more they cost, the more likely they are to raise your premium. Knowing which ones top the list can help you avoid surprises and better understand how to file an auto insurance claim when needed.
5 Most Common Auto Insurance Claims in Tennessee| Claim Type | Portion of Claims | Average Cost per Claim |
|---|---|---|
| Rear-End Collision | 30% | $5,200 |
| Fender Bender | 22% | $2,100 |
| Single Vehicle Accident | 18% | $4,800 |
| Side-Impact Collision | 17% | $6,400 |
| Theft Claim | 13% | $8,900 |
Rear-end collisions are the most common, making up 30% of claims and typically costing around $5,200. Fender benders aren’t far behind, with 22% of drivers filing these smaller claims that still run over $2,000. Theft claims may be less frequent, but at $8,900 on average, they can lead to a big jump in your comprehensive coverage, especially in cities like Memphis.
Tennessee Accidents & Claims per Year by City| City | Accidents per Year | Claims per Year |
|---|---|---|
| Chattanooga | 9,800 | 7,700 |
| Clarksville | 6,500 | 5,200 |
| Franklin | 3,400 | 2,700 |
| Hendersonville | 2,500 | 1,900 |
| Jackson | 3,100 | 2,400 |
| Johnson City | 2,800 | 2,100 |
| Knoxville | 11,200 | 8,900 |
| Memphis | 21,400 | 17,200 |
| Murfreesboro | 5,900 | 4,600 |
| Nashville | 23,500 | 18,600 |
In Tennessee, your ZIP code can say a lot about what you’ll pay for car insurance. Nashville tops the list with 23,500 accidents and 18,600 claims annually, which drives up premiums across the board. Memphis isn’t far behind, with 21,400 crashes annually, plus high theft rates.
On the flip side, places like Hendersonville and Franklin see far fewer accidents, which helps drivers in smaller cities lock in much lower rates.
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How to Choose the Best Auto Insurance Company in Tennessee
Finding car insurance in Tennessee isn’t just about the lowest price—it’s about having the right support when you actually need it. With prices and coverage varying across the state, especially between cities like Memphis and Franklin, it’s worth taking time to sort through the best car insurance companies before making a decision.
- Compare Premiums Based on Location Risk: Living in Memphis means higher premiums due to theft and accidents, while Franklin and Hendersonville drivers pay less with fewer claims.
- Check Post-Accident Pricing: Some insurers spike your rate by over $300 after a single accident. Others, like Erie, only raise it by around $47, worth knowing before you sign anything.
- Target Discounts You Qualify For: If you’re a safe, low-mileage driver, telematics programs like SmartRide can save you up to 40%. But if you brake hard or drive late, it might not help much.
- Don’t Ignore Customer Satisfaction: It’s not just about price—top car insurance companies stand out for low complaint rates and strong financial backing when you need to file a claim.
- Don’t Skip Uninsured Motorist Coverage: One in four drivers in Tennessee doesn’t have insurance, so if someone hits you, uninsured motorist coverage could save you thousands.
The best car insurance companies are the ones that fit your life, not just your budget. Take a little time to compare more than just price tags—you’ll be glad you did when the unexpected happens.
Best Auto Insurance Companies in Tennessee
Shopping for auto insurance in Tennessee isn’t just about chasing the lowest price. Those who got auto insurance right usually snag smart savings like 40% off for safe driving or 25% off by bundling home and auto. Minimum coverage can be as low as $29 per month, but full coverage might hit $235 a month or more, so it’s worth shopping around.
#1 – Erie: Best for Customer Service
Pros
- Top-Rated Claims Support: Erie scores 718/1,000 in claims satisfaction, making it the most trusted for customer service in Tennessee. See why rates stay low in our Erie Insurance review.
- Rate Lock Coverage: Erie includes Rate Protection, so Tennessee premiums won’t increase unless major changes occur.
- Solid Claims-Free Discount: Drivers in Tennessee receive up to 10% off for maintaining a clean claims history.
Cons
- Fewer Discounts Offered: Erie doesn’t provide bundling or teen-specific savings in Tennessee as competitors do.
- Limited Telematics Support: No usage-based discount like SmartRide or KnowYourDrive is available in Tennessee.
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#2 – Nationwide: Best for UBI Availability
Pros
- Telematics Leader: Nationwide’s SmartRide offers Tennessee drivers up to 40% off for safe habits—one of the most aggressive UBI discounts available.
- Free Annual Policy Review: Tennessee drivers get yearly check-ins to adjust coverage and uncover new savings opportunities.
- Strong Financial Reliability: Backed by an A+ A.M. Best rating, it offers dependable claims support for Tennessee policyholders.
Cons
- Weak Anti-Theft Savings: Only 5% is offered in Tennessee for anti-theft features, compared to Liberty Mutual’s 35%. Find out how it performs in our Nationwide insurance review.
- Few Local Agents: Tennessee customers may have fewer in-person support options due to limited agent availability across smaller towns.
#3 – State Farm: Best for Affordable Premiums
Pros
- Cheapest Car Insurance in TN: State Farm has the lowest starting rate for minimum coverage at just $29 a month.
- Top Financial Strength: With an A++ A.M. Best rating, Tennessee drivers get unmatched claims reliability.
- Multi-Policy Discount: Tennessee drivers can save up to 17% when bundling home and auto with State Farm. Find out what sets it apart in our State Farm auto insurance review.
Cons
- Fewer Telematics Savings: Unlike Nationwide’s SmartRide, State Farm lacks a mileage-based discount program in Tennessee.
- No Accident Forgiveness: Unlike Allstate or Progressive, State Farm does not offer accident forgiveness as a standard add-on in Tennessee.
#4 – Geico: Best for Good Drivers
Pros
- Competitive Good Driver Incentives: Tennessee drivers can access up to a 12% claims-free discount and a 26% safe driver reward through DriveEasy.
- DriveEasy Program Savings: Using Geico’s telematics program, Safe Tennessee drivers may earn a 26% good driver discount.
- Strong Claims-Free Discount: Geico offers Tennessee drivers up to 12% off for maintaining a clean claims record. See everything you need to know about Geico and how it compares.
Cons
- Below-Average Anti-Theft Discount: Geico’s 10% anti-theft discount in Tennessee falls short compared to Liberty Mutual’s 35%.
- Fewer Custom Equipment Options: Geico doesn’t offer standard custom parts coverage for Tennessee vehicles with aftermarket upgrades.
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#5 – Farmers: Best for Signal App
Pros
- Strong App Integration: Tennessee drivers using the Signal app can save up to 15% for safe driving and fewer miles.
- Flexible Deductible Choices: Farmers offers Tennessee drivers adjustable deductibles across collision and rental coverage.
- Strong Roadside Assistance Add-On: Farmers includes towing, battery jump, and lockout services in Tennessee as part of its optional roadside coverage.
Cons
- Lower Anti-Theft Savings: Only a 10% anti-theft discount in Tennessee compared to Liberty Mutual’s 35%. Here’s everything you need to know about Farmers and its coverage.
- Limited Digital Tools: Farmers’ online account management options in Tennessee are less robust, making in-person or phone contact necessary for some changes.
#6 – Allstate: Best for Reliable Coverage
Pros
- Steady Claims Support: Allstate is known for dependable coverage and predictable payouts—key for Tennessee drivers who prioritize reliability.
- Claims-Free Discount Available: Drivers in Tennessee can earn up to 10% off for maintaining a clean claim history. Dive into pricing, telematics programs, and bundling in this Allstate auto insurance review.
- Drivewise Program Benefits: Allstate’s Drivewise telematics program rewards Tennessee drivers with personalized savings based on safe driving habits.
Cons
- Expensive Full Coverage Rate: At $183 per month, Allstate’s full coverage in Tennessee is among the highest of all listed providers.
- Modest Anti-Theft Savings: Tennessee drivers receive only a 10% discount for anti-theft systems, far below Liberty Mutual’s 35%.
#7 – Auto-Owners: Best for Claims Handling
Pros
- Strong Claims Satisfaction: Tennessee customers rate Auto-Owners 651/1,000, higher than Progressive or Travelers.
- Bundling Discounts: Tennessee drivers can save up to 16% on premiums by bundling auto with other policies.
- Top-Tier Financial Strength: Auto-Owners holds an A++ A.M. Best rating, ensuring reliable claims payouts in Tennessee.
Cons
- No Telematics Savings: Tennessee drivers can’t access usage-based discounts like Nationwide’s SmartRide 40%.
- Limited Digital Tools: Tennessee drivers rely more on agent support than online services. Find out how it compares in our Auto-Owners auto insurance review.
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#8 – Progressive: Best for Innovative Discounts
Pros
- Broad Discount Programs: Tennessee drivers can take advantage of unique options like Snapshot, which offers up to 30% savings.
- Risk-Tolerant Pricing: High-risk Tennessee drivers are more likely to get approved at reasonable rates.
- Fast Online Quotes: Progressive’s system delivers quick estimates for Tennessee drivers, comparing multiple providers.
Cons
- Minimal Anti-Theft Discount: Tennessee drivers only get a 10% discount for anti-theft devices, compared to Liberty Mutual’s 35%.
- Weak Bundling Savings: In Tennessee, only a 10% bundling discount is available, less than Allstate’s 25% or Nationwide’s 20%. You’ll want to see everything you need to know about Progressive, especially if you’re looking for flexible savings options.
#9 – Liberty Mutual: Best for Comprehensive Options
Pros
- Wide Add-On Menu: Tennessee customers can enhance policies with everything from accident forgiveness to rental reimbursement.
- Firm Bundling and Good Driver Deals: Tennessee drivers can combine a 25% bundling discount with an 8% claims-free reward. Compare rates and deals in the full Liberty Mutual auto insurance review.
- Full Coverage Accessibility: Liberty Mutual offers coverage statewide in Tennessee with robust add-ons like roadside assistance.
Cons
- Highest Full Coverage Rate: Liberty Mutual charges $235 monthly for full coverage in Tennessee, the most expensive among the top ten providers.
- Modest Claims-Free Discount: Liberty Mutual offers only an 8% discount for claims-free driving in Tennessee, while others go up to 15%.
#10 – Travelers: Best for Bundling Policies
Pros
- Top Bundling Value: Tennessee drivers can save up to 23% by combining auto with homeowners or renters insurance. Get all the details you need from our Travelers auto insurance review.
- Claims-Free Discount: Tennessee drivers save up to 13% by maintaining a clean record.
- Good for New Drivers: Travelers offers competitive entry-level rates for young Tennessee drivers.
Cons
- Weak New Vehicle Discount: Tennessee drivers only see 8% savings on new cars, compared to Liberty Mutual’s 35%.
- Modest Good Driver Savings: Tennessee drivers earn just 10% for clean driving, lower than Farmers’ 30%.
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Comparing Tennessee Auto Insurance Companies
Erie, Nationwide, and State Farm are three of the best auto insurance companies in Tennessee, thanks to their mix of low rates and solid savings. Erie keeps full coverage affordable with dependable claims service, while Nationwide rewards safe drivers and makes it easy to adjust your policy as life changes.
State Farm’s 18% market share shows Tennessee drivers trust its steady rates and helpful local agents. Farmers holds 15.2%, appealing to rural drivers who want flexible options. With over half the market made up of smaller insurers, there are plenty of opportunities to uncover hidden deals, great service, and even the cheapest car insurance that fits your specific needs and budget.
If you’re looking to save more, work on keeping your credit up, avoiding tickets, driving less, or signing up for a telematics program. Always compare multiple companies, as rates, discounts, and how they handle claims can vary significantly.
Consider telematics only if you’re comfortable having your driving habits tracked, as hard braking and long commutes can actually raise your premium.
Jeff Root Licensed Insurance Agent
Shopping around is the easiest way to find the best auto insurance in Tennessee without sacrificing the protection you need. To see what the top insurance companies can offer you, enter your ZIP code and start comparing quotes today.
Frequently Asked Questions
Who has the best auto insurance rates in Tennessee?
You’ll find the best auto insurance rates in Tennessee with providers like State Farm, Erie, and Geico, with minimum coverage starting as low as $29 per month depending on your ZIP code and driving history.
What is the best car insurance company in Tennessee?
Erie ranks as Tennessee’s best car insurance company thanks to its $98 monthly full coverage, A+ financial rating, and strong claims satisfaction score of 718.
Which car insurance company in Tennessee has the highest customer satisfaction?
Erie holds the top spot for customer satisfaction in Tennessee, with a claims satisfaction score of 718 and reliable service. Learn how to compare auto insurance companies near you.
Which insurance company in Tennessee has the most complaints?
Liberty Mutual receives the most consumer complaints in Tennessee due to its high premium increases and limited claim satisfaction scores.
Which car insurance in Tennessee pays out the most claims?
Progressive and Erie show strong claim payout consistency in Tennessee, with Progressive offering fast digital claim tools and Erie known for low rate spikes after claims.
Which insurance company in Tennessee is best at paying claims?
Erie Insurance is considered the best at paying claims in Tennessee, thanks to its efficient claim turnaround times, especially notable compared to some of the worst states for filing auto insurance claims.
Which car insurance company in Tennessee has the best claim settlement ratio?
State Farm leads with Tennessee’s best claim settlement ratio, offering quick resolution and fewer consumer complaints per 1,000 policies than others.
How long does it take for a car insurance claim in Tennessee to settle?
In Tennessee, most auto insurance claims settle within 7 to 15 business days, depending on provider responsiveness and whether there’s a liability dispute.
Is USAA better than State Farm in Tennessee?
USAA is better if you’re eligible, offering even lower rates and military-specific benefits, but State Farm is more accessible and competitive for the general public in Tennessee. See if USAA vs. Farmers auto insurance is better.
Is Nationwide better than State Farm in Tennessee?
State Farm is better for budget-focused drivers in Tennessee, as it has lower rates and stronger financial ratings. Still, Nationwide offers higher telematics discounts up to 40%.
What is the average cost of auto insurance in Tennessee?
The average cost of full coverage in Tennessee is around $130 per month, which typically includes comprehensive auto insurance. Minimum coverage averages $42 per month, depending on your driving record and ZIP code.
What is the minimum car insurance in Tennessee?
What is Tennessee’s minimum level of auto insurance coverage? In Tennessee, you’ll need at least $25,000 for each person’s injuries, $50,000 per accident, and $15,000 to cover property damage.
What is considered full coverage in Tennessee?
Full coverage in Tennessee usually includes liability (25/50/15 limits), collision, and comprehensive insurance. Many policies include uninsured motorist coverage and medical payments (MedPay) for added protection.
What is the cost of insurance for high-risk Tennessee drivers?
Auto insurance for high-risk drivers in Tennessee typically ranges from $180 to $410 per month, depending on the violation. For example, after a DUI, Geico rates spike to $410 per month, while State Farm remains far lower at $101, making provider choice a big factor in your pay.
Does insurance follow the car or the driver in Tennessee?
In Tennessee, insurance generally follows the car, not the driver. If someone borrows your vehicle with permission, your policy usually covers any damages they cause, though secondary coverage may apply from the driver’s policy if limits are exceeded.
Does Liberty Mutual cover Tennessee?
Yes, Liberty Mutual covers Tennessee and offers full coverage statewide. It includes options like roadside assistance, rental reimbursement, and up to 35% anti-theft discounts, but it has one of the highest average rates at $235 per month. Compare more rates in our Liberty Mutual vs. Nationwide auto insurance review.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
