Tennessee Auto Insurance Rates
Median premium: $633/6mo across 12 carriers and 785 ZIP codes.
Premiums range from $470 to $2,202 — a 4.7x spread. Based on SERFF regulatory rate filings — updated March 2026.
Overall Median
$633
per 6 months
ZIP Codes
785
with rate data
Carriers
12
rated in TN
Price Spread
4.7x
cheapest to most expensive
Carrier Rankings
All carriers sorted by median 6-month premium. Bar shows relative premium level.
| # | Carrier | Median 6-Mo | Relative Cost | #1 Cheapest In | % of ZIPs |
|---|---|---|---|---|---|
| 1 | Progressive | $294 | 785 ZIPs | 100% | |
| 2 | USAA | $501 | 0 ZIPs | 0% | |
| 3 | Farmers | $550 | 0 ZIPs | 0% | |
| 4 | Erie Insurance | $591 | 0 ZIPs | 0% | |
| 5 | Shelter Insurance | $612 | 0 ZIPs | 0% | |
| 6 | Auto-Owners | $626 | 0 ZIPs | 0% | |
| 7 | State Farm | $640 | 0 ZIPs | 0% | |
| 8 | Nationwide | $765 | 0 ZIPs | 0% | |
| 9 | Travelers | $779 | 0 ZIPs | 0% | |
| 10 | Liberty Mutual | $799 | 0 ZIPs | 0% | |
| 11 | GEICO | $840 | 0 ZIPs | 0% | |
| 12 | Allstate | $904 | 0 ZIPs | 0% |
1
$294Progressive#1 in 785 ZIPs (100%)
2
$501USAA#1 in 0 ZIPs (0%)
3
$550Farmers#1 in 0 ZIPs (0%)
4
$591Erie Insurance#1 in 0 ZIPs (0%)
5
$612Shelter Insurance#1 in 0 ZIPs (0%)
6
$626Auto-Owners#1 in 0 ZIPs (0%)
7
$640State Farm#1 in 0 ZIPs (0%)
8
$765Nationwide#1 in 0 ZIPs (0%)
9
$779Travelers#1 in 0 ZIPs (0%)
10
$799Liberty Mutual#1 in 0 ZIPs (0%)
11
$840GEICO#1 in 0 ZIPs (0%)
12
$904Allstate#1 in 0 ZIPs (0%)
Geographic Insights
Cheapest Cities in Tennessee
| City | Avg Median | ZIPs |
|---|---|---|
| Afton | $470 | 1 |
| Chuckey | $470 | 1 |
| Church Hill | $470 | 1 |
| Mount Carmel | $470 | 1 |
| Erwin | $470 | 1 |
Most Expensive Cities in Tennessee
| City | Avg Median | ZIPs |
|---|---|---|
| Millington | $1,322 | 4 |
| Memphis | $1,299 | 61 |
| Ellendale | $1,265 | 1 |
| Cordova | $1,152 | 3 |
| Antioch | $1,152 | 2 |
ZIP Code Extremes
Most Expensive ZIP
$1,541/6mo
38186 (Memphis)
Cheapest ZIP
$470/6mo
37615 (Johnson City)
4.7x
Price Spread
The most expensive ZIP in Tennessee costs 4.7x more than the cheapest. Your ZIP code matters more than you think.
Tennessee Auto Insurance FAQ
ZIP Code Lookup
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All carriers in Tennessee
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Access ZIP-level rate data across all 12 carriers, 785 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.
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