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Auto insurance rates, minimum coverage requirements, and driver statistics for Tennessee (TN).
Avg Annual Premium
$1,640
$86 below national avg
Cost Rank
#31
of 51 (most expensive first)
Fault System
At-Fault (Tort)
Tort-based
Uninsured Rate
16.7%
of drivers
Min Liability
$540/yr
Legal minimum
Average Premium
$1,640/yr
State average
Full Coverage
$1,640/yr
Comprehensive + Collision
Tennessee requires:
25/50 / 15 liability
| Age Group | Average | Male | Female |
|---|---|---|---|
| 16-19 | $4,428 | $5,002 | $3,854 |
| 20-25 | $2,952 | $3,280 | $2,624 |
| 26-35 | $1,804 | $1,886 | $1,722 |
| 36-45 | $1,640 | $1,673 | $1,607 |
| 46-55 | $1,558 | $1,591 | $1,525 |
| 56-65 | $1,509 | $1,542 | $1,476 |
| 65+ | $1,722 | $1,771 | $1,673 |
Rates shown are annual averages for each age group in Tennessee. Individual rates vary based on driving record, credit, and vehicle.
| Metric | Tennessee | National Avg |
|---|---|---|
| Average Annual Premium | $1,640 | $1,726 |
| Uninsured Rate | 16.7% | 11.1% |
| Registered Vehicles | 5,666,200 | 5,330,804 |
| Accidents per Year | 84,993 | 79,962 |
Population
6,910,000
Registered Vehicles
5,666,200
Accidents per Year
84,993
Vehicles per Capita
0.82
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.
Read our full methodology or contact us with corrections.