Tennessee vs Virginia Car Insurance

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

Quick Verdict

More Affordable

Virginia is $60/yr cheaper on average.

Fewer Uninsured

Virginia has a lower uninsured rate (9.6% vs 16.7%).

Rate & Coverage Comparison

Attribute	Tennessee	Virginia
Avg Annual Premium	$1,640	$1,580
Min Liability	$540	$520
Full Coverage	$1,640	$1,580
Fault System	At-Fault (Tort)	At-Fault (Tort)
Uninsured Rate	16.7%	9.6%
Registered Vehicles	5,666,200	7,077,420
Accidents/Year	84,993	106,161
Population	6,910,000	8,631,000

Minimum Coverage Requirements

Tennessee

25/50 / 15 liability

Virginia

30/60 / 20 liability

Premium Comparison

Tennessee$540 – $1,640

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

Virginia$520 – $1,580

Liability: $520Avg: $1,580Full: $1,580

TennesseeFull rates, age breakdown, requirements →VirginiaFull rates, age breakdown, requirements →

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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 Virginia?

Virginia has cheaper car insurance, with an average annual premium of $1,580 compared to $1,640 in Tennessee - a difference of $60 per year.

How do Tennessee and Virginia compare on fault systems?

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

What are the minimum insurance requirements in Tennessee vs Virginia?

Tennessee requires 25/50 / 15 liability. Virginia requires 30/60 / 20 liability. Minimum liability costs $540/yr in Tennessee and $520/yr in Virginia.

Which state has more uninsured drivers, Tennessee or Virginia?

Tennessee has a higher uninsured driver rate at 16.7%, compared to 9.6% in Virginia. Higher uninsured rates typically mean higher uninsured motorist coverage costs.

Where does the Tennessee vs Virginia 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.

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Attribute

Tennessee

Virginia

Avg Annual Premium

$1,640

$1,580

Min Liability

$540

$520

Full Coverage

$1,640

$1,580

Fault System

At-Fault (Tort)

Uninsured Rate

16.7%

9.6%

Registered Vehicles

5,666,200

7,077,420

Accidents/Year

84,993

106,161

Population

6,910,000

8,631,000