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Cheapest Car Insurance In Tennessee

The birthplace of the blues, Memphis, is a beacon in Tennessee’s vibrant musical scene. This state has seen great strides with rock and roll, rockabilly, country and all kinds of folk music throughout its long history. Along with a rich musical heritage, “The Volunteer State” holds a proud legacy of patriotism and sacrifice for its country. Residents enjoy monuments and markers scattered throughout the state, reminding them of their strong lineage. Tennessee drivers can find all kinds of attractions in this state of mountains, rivers, forests and farms. Keeping those drivers well-protected, simplifies the search for car insurance information with this list of easy-to-understand facts.


Whether looking to license a new teen driver or discovering DUI facts in the state, driving laws and regulations can be a challenge to wade through. After locating all the important facts and figures regarding Tennessee driving laws, has brought them all together here for the Tennessee driver’s convenience.

Tennessee’s Minimum Requirements for Car Insurance

  • All vehicles in Tennessee must be covered by liability insurance., according to the state’s Insurance Division.
  • Liability minimums in Tennessee:
    • $25,000 covers an individual injured or killed in an accident.
    • $50,000 covers an accident where multiple individuals were injured or killed.
    • $15,000 covers an accident where property damaged was incurred.

New Driver Licensing Requirements

  • All drivers in Tennessee must be licensed to operate a vehicle. Tennessee’s Graduated Driver License (GDL) Program is designed to allow young drivers to progress in skill and maturity prior to obtaining a full-unrestricted driver’s license. The program consists of the following steps for drivers ages 15 to under 18.
  • Learner Permit. The applicant must be 15 years old or older, pass the knowledge exam and pass the vision test to qualify for this permit. The applicant must show proof of school enrollment or progress. Restrictions with this permit include:
    • The applicant may only drive with a licensed driver age 21 or older.
    • The applicant is restricted from driving between 10pm and 6am.
  • Intermediate Restricted License. After holding the Learner Permit for at least 180 days, reaching age 16 and passing the skills test, the applicant may apply for this license. The following guidelines apply:
    • The applicant must accumulate 50 hours of driving experience. This includes 10 hours of required night driving.
    • All other restrictions are lifted at this point, but maintaining a clean driving record is the requirement to graduating to the next step.
  • Intermediate Unrestricted License. The driver must be at least 17, have kept the restricted license for at least 1 year, have accumulated less than 6 points (violations) on his/her license, have had no at-fault traffic accidents and have had no more than 2 safety belt violations to apply for this license.
  • Regular Driver’s License. After holding the Intermediate Unrestricted License until turning 18 or passing the GED (whichever occurs first), the license automatically transfers to a regular driver’s license.
  • Vision Screening. Without a visual acuity of at least 20/40 and a peripheral field of vision of at least 140 degrees, the applicant may not pass the vision test without restrictions. Tennessee provides numerous restrictions for applicants with differing acuities and peripherals.
  • Knowledge Test. Tennessee’s Department of Public Safety has posted a practice exam on their website for interested applicants. The information included on the exam is found in the Tennessee Driver’s Manual. The test covers traffic signs and signals, safe driving principles, rules of the road and drugs and alcohol. A 7-day waiting period is required for a failed test.
  • Road Test. Included in the Driver’s Manual is a section listing the items included in both the vehicle inspection and driving portions of this exam. The administrator will ride with the applicant and have him/her demonstrate a number of typical vehicle maneuvers. The waiting period for a failed test is determinate upon the number of points deducted during the failure.
  • Fees. Each applicant must pay the following fees:
    • Learner Permit (under age 18): $10.50
    • Learner Permit (18 or older): $5.50
    • Intermediate Restricted License: $24.50
    • Intermediate Unrestricted License: $2.00
    • Graduating to Class D: $8.00


  • BAC limit: .08 The Tennessee Department of Public Safety describes the state’s DUI laws (TCA § 55-10, 57-5), and the department’s website clearly outlines the penalties and reinstatement fees associated with DUI convictions.
  • First Offense:
    • Jail: minimum 48 hours – maximum 11 months, 29 days
    • License revocation: 1 year
    • Fine: $350 to $1,500
    • Alcohol and drug treatment program
    • Ignition Interlock Device (IID): at judge’s discretion (first year cost runs $1,000)
    • Restitution payments
  • Second Offense:
    • Jail: minimum 45 days – maximum 11 months, 29 days
    • License revocation: 2 years with restriction after first year
    • Fine: $600 to $3,500
    • Alcohol and drug treatment program
    • Ignition Interlock Device (IID): at judge’s discretion
    • Restitution payments
    • Possible vehicle forfeiture
  • Third Offense:
    • Jail: minimum 120 days – maximum 11 months, 29 days
    • License revocation: minimum 6 to 10 years. No restriction possible
    • Fine: $1,100 to $10,000
    • Alcohol and drug treatment program
    • Ignition Interlock Device (IID): at judge’s discretion
    • Restitution payments
    • Possible vehicle forfeiture
  • Fourth and subsequent offense(s) will be charged with a felony.

Texting & Driving Laws states that Tennessee has put a ban on hands-free and handheld cell phone devices for novice drivers and bus drivers. Texting is banned for every driver.

Unique Laws

Safety is a key to the necessity of laws, and sometimes that means regulating “fun”. Tennessee has had to implement a few of those laws like prohibiting minors from playing pinball. Also, the state has made it illegal to tie oneself to the back of a vehicle while rollerblading down the highway. If one is riding on a scooter with a group of friends, the group must remain in single file at all times. And while a woman drives a car in Memphis, it is required by law that either her husband or another man run in front waving a red flag to warn approaching citizens!


Best Cheap Car Insurance Quotes for Tennessee

Shelby County Car Insurance

Home to nearly 1 million, Shelby County lies along the Mississippi River in Tennessee's southwest corner. Once known for its cotton production, Shelby County is known today for its county seat of Memphis, often described as the birthplace of rock and roll. It remains a major commercial and industrial center, and its influence extends into neighboring states.

Elvis Presley's mansion, Graceland, is now a museum that attracts more than half a million to Memphis annually. Its famed Beale Street draws visitors to live blues, photo opps and restaurants. Other draws include the National Civil Rights Museum - Lorraine Motel, Memphis Zoo and Sun Studios.

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Davidson County Car Insurance

Centered around "Music City," or Nashville, Davidson County is home to an estimated 630,000. Davidson County and the City of Nashville merged governments in 1963, and has since been known as the Metropolitan Government of Nashville and Davidson County, or "Metro Nashville." Davidson is Tennessee's oldest county, though Nashville didn't become the state capital until 1827.

Nashville's "Grand Ole Opry" is a weekly country music concert and and longest running radio broadcast in U.S. History, founded in 1925. Metro Nashville is also home to an iconic landmark, Parthenon, which is a full scale replica of the original.

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Knox County Car Insurance

The heart of the Great Valley of East Tennessee, Knox County contains the original of the Tennessee River, where the Holston and French rivers converge. Its seat and largest city is Knoxville, where the busy downtown market square is a popular entertainment district.

Knox County is the birthplace of filmmaker Quentin Tarantino, actor and daredevil Johnny Knoxville and actor John Cullum. World's Fair Park is a 10-acre site of the 1982 Knoxville International Energy Exposition. Other tourist draws include Cherokee Caverns, discovered in 1894 and open to the public off and on since 1929, as well as House Mountain State Park, the Museum of Art and East Tennessee History Center.

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Hamilton County Car Insurance

Named for Alexander Hamilton, Hamilton County boasts natural beauty such as its caverns and waterfall near its county seat of Chattanooga. During the Civil War, the county was the site of a vital mine producing salt peter, the key ingredient in gunpowder.

About 120 miles northwest of Atlanta, Chattanooga is home to an estimated 177,000, close to half of the population of Hamilton County. The birthplace of the tow truck, Chattanooga is home to the International Towing and Recovery Hall of Fame and Museum. The 13-mile Tennessee Riverwalk, Tennessee Aquarium and caverns are popular stops for vacationers.

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Rutherford County Car Insurance

The County of Rutherford is centered around the City of Murfreesboro, the geographic center of Tennessee. The fast-growing county is home to the Stones River National Battlefield, a 570-acre park and site of the New Year's Eve Civil War battle in 1863.

Murfreesboro's Greenway is a north-south hike and bike trail that passes Civil War sites, parks and a scenic river, making it a popular destination. History lovers visit Cannonsburgh Village, Oaklands Mansion and Stones River Cemetery.

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Williamson County Car Insurance

Just south of Nashville, Williamson County was once home to at least five Native American cultures, and later the site of three Civil War battles. Its county seat of Franklin is only 25 miles south of Nashville.

The birthplace of singer-songwriter Miley Cyrus, Williamson County is home to the upscale regional commercial district of Cool Springs, which features more than 200 restaurants alone. The 1859 Lotz House is a popular Civil War museum in Franklin. History buffs also visit Canton Plantation, Carter House and the McGavock Confederate Cemetery.

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Montgomery County Car Insurance

Named for a Revolutionary War soldier who founded its seat of Clarksville, Montgomery County is home to an extensive cave system known as Dunbar Cave State Park. The county lies along the southern border of Kentucky, about an hour's drive northwest of Nashville. The U.S. Army installation of Fort Campbell is located practically within Montgomery County, astride the Kentucky border.

The fifth-largest city in the state, Clarksville was the state's first incorporated city. The first Montgomery County Courthouse was built from logs in 1786. Six courthouses later, the county's 1879 era courthouse was restored after a tornado and then again after a fire around the turn of the Century. It was again heavily damaged by a tornado in 1999, and again, citizens opted to repair and restore it, rededicating the building four years later.

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Sumner County Car Insurance

An outlying county of Nashville, Sumner County lies in northern Tennessee on the Kentucky border. Its seat is Gallatin, a town of about 31,000 on the Cumberland River, serving as a thriving employment base. Its largest city, Hendersonville, is about 18 miles northeast of Nashville and home to many of its famed musicians.

Hendersonville's main road is named Johnny Cash Parkway after one of its most well-known residents. Others who called Sumner County home are Conway Twitty, Marty Stuart and Taylor Swift. Tourist stops include the Memory Gardens, Historic Rock Castle and Rockland Recreation Area.

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Sullivan County Car Insurance

Tennessee's second oldest county, Sullivan County was one of the few to support secession on the eve of the Civil War. It contains parts of the Appalachian Trail and Cherokee National Forest. The county seat is Blountville and largest city is Kingsport.

Home to about 53,000, Kingsport is part of what is called the Mountain Empire, extending from southwest Virginia to east Tennessee's mountainous regions. A poplar stop for visitors to Sullivan County is the Appalachian Caverns Tours. In Kingsport, favorite stops are the Bays Mountain Park and Planetarium, Kingsport Carousel and Park and Kingsport Greenbelt.

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Washington County Car Insurance

The oldest county in Tennessee, Washington County was established in 1777. Jonesborough, the county seat, is known as Tennessee's oldest town, and attracts heritage tourism due to its preservation efforts. Washington County is also a popular destination for outdoor recreation.

Jonesborough's International Storytelling Center hosts an annual National Storytelling Festival in October. The county's largest city, Johnson City, is the birthplace of musician Kenny Chesney, and also boasts the oldest church in Tennessee, Sinking Creek Baptist.

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County Sedan Suv Coupe Truck Hybrid
Van Buren$870.00$730.00$828.00$881.00$936.00
Wilson$892.00$790.00$941.00$835.00$1,025.00 Methodology

Car insurance quotes are for one car and one driver who has state minimum coverage with $500 comprehensive and collision deductibles. The hypothetical driver is 40 years old, female, married, employed, a college graduate, and has good credit. She has no moving violations, accidents, claims, or lapse in coverage. The vehicles are assumed to be garaged on premises, used primarily for commuting, and driven 16,000 miles per year. Car insurance quotes include commonly available discounts and are estimates and not guaranteed.

Average Car Insurance Premiums

The national average and Tennessee’s average auto insurance premiums as a percentage of income have been fluctuating for a number of years. In 2008, reported that the state’s auto insurance average of 1.61 percent once again climbed above the nation’s average of 1.57 percent. Tennessee’s 2013 average auto premium rate lagged behind the nation’s rate.

Drunk Driving Fatalities

The National Highway Traffic Safety Administration’s 2012 study revealed Tennessee’s average drunk driving fatalities mirrored the nation’s almost exactly. While following the same trends throughout 2010, 2011 and 2012, the state still remained 3 percent below the national average. It dipped even lower in 2013 and 2014.

Teen Drinking and Driving

The Center for Disease Control reported that Tennessee’s teen drinking and driving average was almost equal to the nation’s.

Vehicular Theft in Tennessee

In 2012, Tennessee’s auto theft rate dropped by 20 points, bringing it to 201. The FBI reports that number as being 28 points below the nation’s average.

Cheap Car Insurance understands you work hard for your money so, why spend more on your affordable auto insurance. Here is a list of some of the car insurance discounts that will help keep your hard-earned money in your pockets:

  • Multi-car insurance discount
  • Good student discount
  • Military discount
  • Car safety features discount
  • Anti-theft discount
  • Bundling your auto with home or renters
  • Defensive driving discount
  • Usage or low-mileage discount
  • Senior citizen discount
  • Mature driver discount

Insurance discounts may vary by state so, contact us today to see if you qualify for any of these car insurance discounts!


State Department of Insurance

Department of Commerce and Insurance
500 James Robertson Pkwy.
Nashville, TN 37243-0565
(615) 741-2176
Get Directions

Department of Transportation

Tennessee Department of Transportation
505 Deaderick St.
James K. Polk Bldg., Suite 700
Nashville, TN 37243
(615) 741-2848
Get Directions

Department of Motor Vehicles

Tennessee Department of Revenue
Vehicle Services Division
44 Vantage Way, Suite 160
Nashville, TN 37243-8050
(888) 871-3171
(local residents) (615) 741-3101
Get Directions

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