Country Guide
Best Car Insurance in Tennessee (2026)
Tennessee has near-average car insurance rates. Compare top carriers for the best coverage in TN.
By Itai Varochik | Updated February 20, 2026
Top Exchanges in Tennessee
| # | Exchange | Best For | Fees | Type |
|---|---|---|---|---|
| 1 | State Farm | Agent network | $1,380/yr | — |
| 2 | USAA | Military families | $1,040/yr | — |
| 3 | GEICO | Online savings | $1,200/yr | — |
| 4 | Progressive | High-risk drivers | $1,560/yr | — |
| 5 | Shelter Insurance | Local service | $1,320/yr | — |