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.
Tennessee drivers often compare liability only and full coverage policies when choosing a plan. While minimum limits meet legal requirements, they may not fully protect against larger claims or medical costs. If you want a more complete explanation of coverage options, deductibles, and how policies are structured, see our Tennessee auto insurance guide.
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% |
Some Tennessee drivers relocate, commute, or compare policies with nearby states in the region. If you are moving west or comparing southern market differences, it may help to review Arkansas insurance. Understanding how nearby states differ in requirements and pricing can help drivers maintain proper coverage when relocating or registering a vehicle elsewhere.
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.
Drivers with tickets, accidents, lapses in coverage, or higher risk profiles often need more flexible underwriting options. Some shoppers compare companies such as The General Insurance or Dairyland Insurance, which are commonly considered for drivers looking for affordable or non standard coverage solutions.
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 |
For more detail, review our Tennessee auto insurance guide, compare nearby regional differences with Arkansas insurance, and explore alternative carrier options such as The General Insurance and Dairyland Insurance.
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Last Updated on by Brian Muse