Tennessee Auto Insurance
Rates & Coverage Report
Real policy data from our Tennessee book of business — compare rates by county, understand coverage options, and see how pricing differs across the state.
Tennessee Summary
This Tennessee report is drawn from owned agency data — real sold policies with actual monthly premium outcomes, not public rate filings or national averages. Our Tennessee book currently spans 9 counties with 15 issued policies, representing a growing footprint across the Nashville metro, Knoxville corridor, and surrounding areas.
The average monthly premium in this dataset is $93.33, with a low of $24.00 and a high of $151.00. Tennessee’s coverage mix skews heavily toward non-owners and liability-only policies — both categories that are typically lower-cost than full coverage but still require careful carrier comparison, especially if SR-22 filing is needed.
Tennessee does not require PIP coverage and has relatively straightforward minimum liability requirements (25/50/15), which can make it easier to find affordable liability-only rates. That said, drivers in the Nashville suburban counties (Williamson, Rutherford, Davidson) tend to see higher premiums due to traffic density and claim frequency. County results are averages — your actual rate depends on your driver profile, vehicle, and coverage selection.
Carrier Distribution
Carrier mix from our Tennessee dataset. We work with additional carriers depending on driver profile and underwriting eligibility.
| Insurance Company | Policies | Share |
|---|---|---|
| Dairyland | 10 | 66.7% |
| Progressive | 2 | 13.3% |
| Gainsco | 1 | 6.7% |
| Geico | 1 | 6.7% |
| National General | 1 | 6.7% |
Tennessee Snapshot
Key rate benchmarks from our 2024–2026 Tennessee policy data.
A 529% spread across counties — driven by coverage type, driver risk profile, and location. Non-owners policies in rural counties pull the floor down; liability policies with SR-22 in metro areas push it higher.
This reflects actual issued policies from our agency (not public filings). Use it as directional guidance and get a fresh quote for your exact situation.
- Highest average county premium: Williamson County ($123.70/mo) — Nashville’s wealthiest suburb, higher traffic density.
- Lowest average county premium: Anderson County ($24.00/mo) — single non-owners policy.
- Largest within-county spread (2+ policies): Williamson County (159.2% gap).
- Top county by policy volume: Williamson County (5 policies).
- SR-22 note: Tennessee requires SR-22 filing for certain violations. Non-owners SR-22 is often the most affordable path — Dairyland is our primary carrier for these.
County Pricing
All 9 Tennessee counties in our dataset. Use the chart and table together to compare.
| County | Policies | Avg / Month | Low | High |
|---|---|---|---|---|
| Williamson County | 5 | $123.70 | $55.62 | $144.18 |
| Davidson County | 2 | $106.50 | $62.00 | $151.00 |
| Hamilton County | 1 | $106.99 | $106.99 | $106.99 |
| Rutherford County | 2 | $87.30 | $60.83 | $113.77 |
| Shelby County | 1 | $81.26 | $81.26 | $81.26 |
| Dickson County | 1 | $64.00 | $64.00 | $64.00 |
| Franklin County | 1 | $63.34 | $63.34 | $63.34 |
| Knox County | 1 | $54.32 | $54.32 | $54.32 |
| Anderson County | 1 | $24.00 | $24.00 | $24.00 |
Frequently Asked Questions — Tennessee Auto Insurance
What does auto insurance cost in Tennessee based on your real data?
What are Tennessee’s minimum auto insurance requirements?
What is a non-owners auto insurance policy and who needs one in Tennessee?
How do rates vary across Tennessee — Nashville vs. Knoxville vs. rural Tennessee?
How does SR-22 work in Tennessee?
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