# How Much Does Auto Insurance Cost in Tennessee? _Last updated: 2026-10-05T07:43:17Z_ > Tennessee pricing for auto insurance opens around $1,824 and tops out near $6,383 per year; $3,412 is the typical figure. ## Typical cost at a glance | Level | Price | | --- | --- | | Low | ~$1,824 | | Typical | ~$3,412 | | High | ~$6,383 | _Currency: USD, per year._ ## Cost by type | Type | Low | Typical | High | | --- | --- | --- | --- | | Standard service | ~$1,824 | ~$4,104 | ~$6,383 | | Entry-level or basic option | ~$693 | ~$2,198 | ~$3,702 | | Fees and add-ons | ~$182 | ~$793 | ~$1,404 | | Premium or upgraded option | ~$2,736 | ~$7,911 | ~$13,085 | | Urgent or after-hours work | ~$2,280 | ~$6,406 | ~$10,532 | ## How auto insurance pricing varies around Tennessee Because Tennessee draws on a regional pool of providers, auto insurance rates here sit somewhere between the local minimum and the regional norm. It pays to check both. ## What moves the price of auto insurance Labour, materials and timing explain most of the gap between two quotes for auto insurance. Access and preparation often matter as much as the headline task, so a job that needs extra setup or a second visit costs more even when the base price looks identical. ## How to compare quotes for auto insurance When you compare quotes for auto insurance, line up the scope, the materials and the timeline rather than just the totals. Ask each provider what would make the price rise after the quote is accepted. ## What Auto Insurance typically costs Most buyers in Tennessee see auto insurance quoted between $1,824 and $6,383 per year. The typical figure is close to $3,412, and that is the number worth writing into a budget before you request quotes. ## Timing your auto insurance For auto insurance, same-day and after-hours call-outs sit at the top of the range. A standard appointment booked in advance gives you the best chance of the typical figure. ## Frequently asked questions ### How much does auto insurance cost? Most auto insurance falls between $1,824 and $6,383, with a typical figure near $3,412 per year. The low end is a straightforward job with no surprises; the high end covers complex scope, premium materials or urgent timing. For Tennessee, ask a provider to put that in writing with the quote. ### What affects the price of auto insurance? No single factor decides it — scope, materials, access and timing all move the total, and the biggest swings usually come from access and scheduling. Providers serving Tennessee can tell you how it affects a typical job. ### Is Auto Insurance cheaper in smaller cities? Often, but not always. Smaller markets can carry a travel or availability premium that offsets a lower local rate, so it is worth checking a nearby city before assuming the lowest published figure applies to you. Where you are in Tennessee can change the detail, so compare nearby quotes. ### How many quotes should I get for auto insurance? Two or three written quotes are enough to see the real market range. Compare the same scope side by side, and ask each provider what is excluded and what would change the price after the quote is accepted. The specifics vary across Tennessee, so confirm them with the provider you hire. ## Keep comparing - [Insurance](/category/insurance/) - [Business Insurance](/tennessee/business-insurance/) - [Extended Car Warranties](/tennessee/extended-car-warranty/) - [Home Insurance](/tennessee/home-insurance/) - [COBRA Insurance](/tennessee/cobra-insurance/) - [Life Insurance](/tennessee/life-insurance/) - [Title Insurance](/tennessee/title-insurance/) - [Alabama](/alabama/auto-insurance/) - [Alaska](/alaska/auto-insurance/) - [Arizona](/arizona/auto-insurance/) - [Arkansas](/arkansas/auto-insurance/) - [California](/california/auto-insurance/) - [Colorado](/colorado/auto-insurance/) - [Connecticut](/connecticut/auto-insurance/) - [Delaware](/delaware/auto-insurance/) - [District of Columbia](/district-of-columbia/auto-insurance/) - [Florida](/florida/auto-insurance/) - [Georgia](/georgia/auto-insurance/) - [Hawaii](/hawaii/auto-insurance/) - [Idaho](/idaho/auto-insurance/) - [Illinois](/illinois/auto-insurance/) - [Indiana](/indiana/auto-insurance/) - [Iowa](/iowa/auto-insurance/) - [Kansas](/kansas/auto-insurance/) - [Kentucky](/kentucky/auto-insurance/) - [Louisiana](/louisiana/auto-insurance/) - [Maine](/maine/auto-insurance/) - [Maryland](/maryland/auto-insurance/) - [Massachusetts](/massachusetts/auto-insurance/) - [Michigan](/michigan/auto-insurance/) - [Minnesota](/minnesota/auto-insurance/) - [Mississippi](/mississippi/auto-insurance/) - [Missouri](/missouri/auto-insurance/) - [Montana](/montana/auto-insurance/) - [Nebraska](/nebraska/auto-insurance/) - [Nevada](/nevada/auto-insurance/) - [New Hampshire](/new-hampshire/auto-insurance/) - [New Jersey](/new-jersey/auto-insurance/) - [New Mexico](/new-mexico/auto-insurance/) - [New York](/new-york/auto-insurance/) - [North Carolina](/north-carolina/auto-insurance/) - [North Dakota](/north-dakota/auto-insurance/) - [Ohio](/ohio/auto-insurance/) - [Oklahoma](/oklahoma/auto-insurance/) - [Oregon](/oregon/auto-insurance/) - [Pennsylvania](/pennsylvania/auto-insurance/) - [Rhode Island](/rhode-island/auto-insurance/) - [South Carolina](/south-carolina/auto-insurance/) - [South Dakota](/south-dakota/auto-insurance/) - [Tennessee](/tennessee/auto-insurance/) - [Texas](/texas/auto-insurance/) - [Utah](/utah/auto-insurance/) - [Vermont](/vermont/auto-insurance/) - [Virginia](/virginia/auto-insurance/) - [Washington](/washington/auto-insurance/) - [West Virginia](/west-virginia/auto-insurance/) - [Wisconsin](/wisconsin/auto-insurance/) - [Wyoming](/wyoming/auto-insurance/) - [Ontario](/ontario/auto-insurance/) - [Quebec](/quebec/auto-insurance/) - [British Columbia](/british-columbia/auto-insurance/) - [Alberta](/alberta/auto-insurance/) - [Saskatchewan](/saskatchewan/auto-insurance/) - [Manitoba](/manitoba/auto-insurance/) - [Nova Scotia](/nova-scotia/auto-insurance/) - [New Brunswick](/new-brunswick/auto-insurance/) - [Newfoundland and Labrador](/newfoundland-and-labrador/auto-insurance/) - [Prince Edward Island](/prince-edward-island/auto-insurance/) - [Chattanooga](/chattanooga/) - [Clarksville](/clarksville/) - [Knoxville](/knoxville/) - [Memphis](/memphis/) - [Murfreesboro](/murfreesboro/) - [Nashville](/nashville/) --- These are planning ranges drawn from public price data and market research. They are not a quote, an offer or financial advice, and your actual price depends on the provider, the location and the scope of the work.