Tennessee vs Texas Car Insurance

Side-by-side car insurance rate comparison based on data from NAIC & State DOI.

Quick Verdict

More Affordable

Tennessee is $300/yr cheaper on average.

Fewer Uninsured

Texas has a lower uninsured rate (14.1% vs 16.7%).

Rate & Coverage Comparison

Attribute	Tennessee	Texas
Avg Annual Premium	$1,640	$1,940
Min Liability	$540	$640
Full Coverage	$1,640	$1,940
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	16.7%	14.1%
Registered Vehicles	5,666,200	23,899,720
Accidents/Year	84,993	358,495
Population	6,910,000	29,146,000

Minimum Coverage Requirements

Tennessee

25/50 / 15 liability

Texas

30/60 / 25 liability

Premium Comparison

Tennessee$540 – $1,640

Liability: $540Avg: $1,640Full: $1,640

Texas$640 – $1,940

Liability: $640Avg: $1,940Full: $1,940

TennesseeFull rates, age breakdown, requirements →TexasFull rates, age breakdown, requirements →

📊

CarInsurancePeek Editorial TeamInsurance Data Specialists

The CarInsurancePeek editorial team aggregates and verifies car insurance rate data from NAIC & State DOI. Every statistic is cross-referenced against official state DOI filings before publication, with quarterly re-verification cycles.

Sourced from NAIC & State DOIQuarterly reviewNo paid placements

Read our full methodology or contact us with corrections.

Frequently Asked Questions

Which state has cheaper car insurance, Tennessee or Texas?

Tennessee has cheaper car insurance, with an average annual premium of $1,640 compared to $1,940 in Texas - a difference of $300 per year.

How do Tennessee and Texas compare on fault systems?

Tennessee uses a at-fault (tort) system while Texas uses a at-fault (tort) system. Both states use the same system.

What are the minimum insurance requirements in Tennessee vs Texas?

Tennessee requires 25/50 / 15 liability. Texas requires 30/60 / 25 liability. Minimum liability costs $540/yr in Tennessee and $640/yr in Texas.

Which state has more uninsured drivers, Tennessee or Texas?

Tennessee has a higher uninsured driver rate at 16.7%, compared to 14.1% in Texas. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Tennessee vs Texas insurance data come from?

All insurance rate data comes from NAIC & State DOI (2025). Premiums represent state-wide averages and individual rates vary based on driving history, age, vehicle, and coverage levels. Visit our methodology page for details.

Explore the DataPeek Network

LawyerCostPeek DivorceLawPeek EvictionLawPeek LicenseWize DMVPeek FloodRiskPeek VocabWize VocabLibre DicionarioWize WortWize KalimaWize KotobaPeek NameBlooms WagePeek NetPayPeek SalaryByCity

Attribute

Tennessee

Texas

Avg Annual Premium

$1,640

$1,940

Min Liability

$540

$640

Full Coverage

$1,640

$1,940

Fault System

At-Fault (Tort)

Uninsured Rate

16.7%

14.1%

Registered Vehicles

5,666,200

23,899,720

Accidents/Year

84,993

358,495

Population

6,910,000

29,146,000