Tennessee Auto Insurance

From Tennessee Auto Insurance Laws & Requirements to Tennessee DUI Laws, from Tennessee Teen Driver Laws to Tennessee Auto Insurance Rate Estimates, from Tennessee Auto Theft Statistics to Tennessee Auto Insurance Rate Trends, trying to find all the information you need can be daunting. The good news is that if you're a Tennessee driver, the facts you want are right here.
Tennessee Auto Insurance Laws, Minimums, Requirements
What mandatory auto insurance laws exist the state of Tennessee?
Tennessee DUI Laws
Drunk driving in the state of Tennessee is no laughing matter. If you get caught driving under the influence of alcohol, amphetamines, marijuana or any other drugs or intoxicants, you will have to spend anywhere from 1 day up to 11 months in jail. Penalties for first offenses do not stop here. You may also lose your driving privileges for 12 months, and you will have to install an interlock device at your own expense. Not only this, but fees could easily add up to at least $5,000.
Tennessee (TN) Teen Auto Insurance Laws, Rates & Requirements
Between 1994 and 2008, approximately 2,855 teens were involved in fatal car crashes in the state of Tennessee. The causes for teen accidents in Tennessee and nationwide range from inexperience and overconfidence to driving while impaired or distracted. Fortunately, the state of Tennessee has a plan to help decrease the number of teen accidents on its roads. The state currently enforces the rules of the Graduated Driver Licensing (GDL) program.
Tennessee Department of Commerce & Insurance
Insurance Division
Davy Crockett Tower, 5th Floor
500 James Robertson Parkway
Nashville, Tennessee 37243-0565
Phone: 615.741.2241

Tennessee Auto Insurance Rate Trends

Knowing auto insurance rates, average monthly premiums, and rate trends for Tennessee makes you an informed consumer. We've compiled recent auto insurance quotes so that you can see Tennessee's average monthly premiums and rate trends by month, and compare those to the national averages. Check out our chart of monthly premiums, and our table of rate increases and rate decreases, and get the info you need to make an educated decision about how much you pay for auto insurance.
National Average
TN Avg. Monthly Premiums
$122
$146
$124
$147
$121
$146
$120
$139
$120
$140
$126
$148
$129
$150
$125
$151
$130
$150
$126
$149
$126
$151
$130
$152
Feb 10Jan 10Dec 09Nov 09Oct 09Sep 09Aug 09Jul 09Jun 09May 09Apr 09Mar 09

TN Premium$ Change% ChangeNational Avg$ Change% Change
Feb 10$122$21.6%$146$10.7%
Jan 10$124$32.5%$147$10.7%
Dec 09$121$10.8%$146$64.3%
Nov 09$120$00.0$139$10.7%
Oct 09$120$64.8%$140$85.4%
Sep 09$126$32.3%$148$21.3%
Aug 09$129$43.2%$150$10.7%
Jul 09$125$53.9%$151$10.7%
Jun 09$130$43.2%$150$21.3%
May 09$126$00.0$149$21.3%
Apr 09$126$43.1%$151$10.7%
Mar 09$130$00.0$152$00.0
Data as of 2010. Source: Insurance.com

Top Ten Stolen Cars in Tennessee

1. 1990 Toyota Camry
2. 1994 Chevrolet Full Size C/K Pickup
3. 1989 Chevrolet Caprice
4. 1986 Oldsmobile Cutlass
5. 1990 Buick LeSabre
6. 2000 Chevrolet Silverado
7. 1993 Jeep Cherokee/Grand Cherokee
8. 1997 Ford F150
9. 1989 Oldsmobile Delta 88
10. 1991 Honda Accord

Have a Question about Auto Insurance?

Submit your question to our Experts and we would be happy to answer it for you!