Cheapest Teen Driver Auto Insurance in Tennessee (Top 10 Companies Ranked for 2024)
Erie, USAA, and Geico have the cheapest teen driver auto insurance in Tennessee starting at $95/mo. One speeding ticket can raise rates by $50. If you need high-risk teen auto insurance after a ticket, Erie has the lowest rates. Teens can also lower rates with good student discounts of 15%.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 25, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 25, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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19,116 reviewsErie, USAA, and Geico offer the cheapest teen driver auto insurance in Tennessee.
Other companies that offer affordable Tennessee auto insurance to teen drivers are listed below.
Our Top 10 Best Companies: Cheapest Teen Driver Auto Insurance in Tennessee
| Company | Rank | Monthly Rates | Safe Driver Discount | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $95 | 20% | 24/7 Support | Erie |
 | #2 | $102 | 20% | Military Savings | USAA |
 | #3 | $125 | 15% | Cheap Rates | Geico |
 | #4 | $146 | 25% | Many Discounts | State Farm |
 | #5 | $147 | 26% | Exclusive Benefits | Safeco |
 | #6 | $157 | 23% | Online Convenience | Safe Auto |
 | #7 | $159 | 15% | Deductible Reduction | Mercury |
Infinity | #8 | $178 | 20% | Customizable Polices | Infinity |
 | #9 | $189 | 15% | Local Agents | AAA |
 | #10 | $195 | 10% | Usage Discount | Nationwide |
Read on to learn more about the top 10 cheapest car insurance companies in Tennessee for teens. You can also quickly compare auto insurance rates in Tennessee by entering your ZIP into our free tool.
- Erie has the cheapest Tennessee auto insurance rates for teens
- USAA and Geico also have affordable car insurance rates in Tennessee
- Drivers can save on coverage with teen driver safety discounts
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#1 – Erie: Top Pick Overall
Pros
- 24/7 Support: Erie offers after-hours numbers for support with claims or roadside assistance.
- Young Driver Discounts: Erie offers discounts geared towards young drivers in Tennessee.
- Policy Extras: You can get extras like pet injury coverage added for free on a full coverage policy. Learn more in our Erie review.
Cons
- Availability: If you move out of Tennessee, you may be unable to keep Erie as a provider.
- Number of Discounts: Erie has fewer discounts overall than other companies.
#2 – USAA: Best for Military Savings
Pros
- Military Savings: USAA offers some of the most affordable rates to Tennessee drivers who are military or veterans.
- Student Discounts: USAA offers discounts to Tennessee students with good grades. Read our USAA review to learn more about discount options.
- Customer Service: Tennesee customers have highly rated USAA.
Cons
- Eligibility: Teens can only get USAA insurance if they are military service members or their parents are military or veterans.
- Limited Physical Locations: USAA doesn’t offer many physical branches in Tennessee.
#3 – Geico: Best for Student Discounts
Pros
- Student Discounts: Geico rewards Tennessee drivers with lower rates if they have a 3.0 GPA or higher.
- Usage-Based Discount: Teens can participate in Geico’s DriveEasy program for a UBI discount. Learn more in our Geico DriveEasy review.
- Coverage Options: Round out your Tennessee auto insurance plans at Geico with coverages like roadside assistance.
Cons
- Physical Locations Limited: Geico doesn’t offer many physical agent locations, as most services are online.
- DUI Rates: Tennessee teens with DUIs will have a harder time finding affordable car insurance for teen drivers at Geico.
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#4 – State Farm: Best for Many Discounts
Pros
- Many Discounts: State Farm offers many discounts to help Tennessee drivers save. Learn more in our State Farm review.
- Steer Clear Program: Teen drivers can complete the Steer Clear program at State Farm for a discounted rate.
- Coverage Variety: Add extras like roadside assistance to Tennessee auto insurance policies.
Cons
- No Online Purchases: Tennesse drivers will need to contact an agent to purchase coverage.
- DUI Rates: State Farm is not always among the cheapest Tennessee high-risk auto insurance providers.
#5 – Safeco: Best for Safe Drivers
Pros
- Safe Drivers: Safeco’s rates are the most affordable for safe Tennessee drivers.
- Coverage Options: Safeco offers a number of Tennessee coverages. Learn more in our Safeco review.
- Online Tools: Tennessee drivers can handle their policies online.
Cons
- Customer Satisfaction: Safeco’s customer satisfaction in Tennessee isn’t always rated well.
- Agent Purchases: Tennessee purchases must be made through an agent.
#6 – Safe Auto: Best for Online Convenience
Pros
- Online Convenience: Safe Auto makes it easy to go online and make policy updates.
- High-Risk Filing: Safe Auto will file SR-22s for high-risk teens. Learn more in our Safe Auto review.
- Coverage Options: Safe Auto offers extras like non-owner auto insurance.
Cons
- Customer Reviews: Safe Auto doesn’t always have great feedback from customers.
- Availability: If you move out of Tennessee, you may be unable to keep Safe Auto as a provider.
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#7 – Mercury: Best for Adjustable Deductibles
Pros
- Adjustable Deductibles: Mercury allows customers to change the deductible on their coverages to adjust their Tennesee rates.
- Coverage Options: Tennessee drivers can choose extras like rideshare coverage. See what else is offered in our Mercury review.
- Discount Variety: Teens in Tennessee have plenty of discount options available.
Cons
- Availability: Tennesse drivers who move out of state may have to switch providers.
- Customer Satisfaction: Ratings aren’t as high as other companies.
#8 – Infinity: Best for Customizable Policies
Pros
- Customizable Policies: Infinity offers easily customized policies to Tennessee customers.
- High-Risk Drivers: Infinity insures drivers who may not be able to get coverage elsewhere. Learn more in our Infinity review.
- Discount Variety: Infinity offers discounts like good student rate decreases.
Cons
- Availability: Tennessee customers may have to switch coverage if they move out of state.
- Customer Reviews: Infinity has a number of complaints from customers.
#9 – AAA: Best for Local Agents
Pros
- Local Agents: Most Tennessee customers can easily locate an agent to meet in person.
- Roadside Assistance: Tennessee drivers can add AAA’s highly-rated roadside assistance to their policy. Read more in our AAA review.
- Teen Discounts: There are discounts specialized to young drivers in Tennessee.
Cons
- Membership Fee: You’ll need to buy an AAA membership to buy AAA Tennessee auto insurance.
- Online Tools: AAA’s online tools may not be as functional as its competition.
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#10 – Nationwide: Best for Usage Discount
Pros
- Usage Discount: Nationwide offers a usage-based discount to Tennessee customers.
- Add-On Coverages: Tennessee drivers can benefit from add-ons at Nationwide. See what the company offers in our review of Nationwide.
- Good Student Discount: Great for Tennessee drivers with good grades.
Cons
- Online Tools: Nationwide’s online functions may be more limited than at other companies.
- Telematics Tracking: Nationwide tracks driving data for its usage-based discount.
Tennessee Auto Insurance Requirements for Teens
Teens have the same Tennessee auto insurance requirements as adult drivers.
The Tennessee auto insurance limits are 25/50/15 of bodily injury and property damage liability insurance. Tennessee teens should carry full coverage, however, as they are more likely to get into an accident that won't be covered by the limits.Brandon Frady Licensed Insurance Agent
Because coverage is one of the factors that affect auto insurance rates, take a look at the average rates below to see the cost differences between full and minimum limits.
Tennessee Auto Insurance Monthly Rates by Age, Gender, & Coverage Level
| Age & Gender | Minimum Coverage | Full Coverage |
|---|---|---|
| 16-Year-Old Female | $165 | $375 |
| 16-Year-Old Male | $155 | $355 |
| 17-Year-Old Female | $145 | $325 |
| 17-Year-Old Male | $175 | $395 |
| 18-Year-Old Female | $135 | $315 |
| 18-Year-Old Male | $145 | $345 |
| 19-Year-Old Female | $125 | $285 |
| 19-Year-Old Male | $165 | $305 |
| 20-Year-Old Female | $115 | $275 |
| 20-Year-Old Male | $135 | $315 |
| 21-Year-Old Female | $105 | $255 |
| 21-Year-Old Male | $125 | $285 |
It is important to note that teen drivers, while they must carry the required coverages, won’t have full driving privileges until they earn their full license.
Teens with a learner’s permit must always drive with a licensed driver over age 21 before graduating to an intermediate license with driving restrictions. Once teens have earned a full license, there will be no driving restrictions.
Teen Auto Insurance Rates in Tennessee
While Tennessee car insurance can be pricey, the companies with the cheapest teen auto insurance rates will have the best deals on coverage.
Auto Insurance for Teen Drivers in Tennessee: Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $189 | $465 |
| Erie | $95 | $233 |
| Geico | $125 | $312 |
| Infinity | $178 | $509 |
| Mercury | $159 | $391 |
| Nationwide | $195 | $476 |
| Safe Auto | $157 | $385 |
| Safeco | $147 | $360 |
| State Farm | $146 | $349 |
| USAA | $102 | $350 |
However, even at the cheapest companies, your location in Tennessee will slightly impact your rates.
Tennessee Auto Insurance Monthly Rates by Age, Gender, & City
| Age & Gender | Chattanooga | Jackson | Knoxville | Memphis | Nashville |
|---|---|---|---|---|---|
| 16-Year-Old Female | $320 | $310 | $330 | $300 | $340 |
| 16-Year-Old Male | $350 | $340 | $360 | $320 | $330 |
| 20-Year-Old Female | $270 | $250 | $260 | $290 | $280 |
| 20-Year-Old Male | $300 | $290 | $310 | $270 | $280 |
| 30-Year-Old Female | $220 | $240 | $210 | $230 | $200 |
| 30-Year-Old Male | $250 | $260 | $230 | $240 | $220 |
| 40-Year-Old Female | $190 | $180 | $200 | $220 | $210 |
| 40-Year-Old Male | $230 | $220 | $240 | $210 | $200 |
| 50-Year-Old Female | $180 | $170 | $190 | $210 | $200 |
| 50-Year-Old Male | $220 | $210 | $230 | $200 | $190 |
| 60-Year-Old Female | $170 | $160 | $180 | $200 | $190 |
| 60-Year-Old Male | $210 | $200 | $220 | $190 | $180 |
| 70-Year-Old Female | $160 | $150 | $170 | $190 | $180 |
| 70-Year-Old Male | $200 | $190 | $210 | $180 | $170 |
Knoxville is one of the more expensive cities to buy auto insurance.
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High-Risk Auto Insurance for Teens
Teens are already considered high-risk because of their driving experience, so any incidents on their driving record will automatically make insurance very expensive.
Tennessee Auto Insurance Monthly Rates by Age, Gender, & Driving Record
| Age & Gender | Clean Record | Speeding Ticket | At-Fault Accident | DUI/DWI |
|---|---|---|---|---|
| 16-Year-Old Female | $210 | $260 | $320 | $400 |
| 16-Year-Old Male | $225 | $275 | $340 | $420 |
| 17-Year-Old Female | $200 | $250 | $310 | $390 |
| 17-Year-Old Male | $220 | $270 | $330 | $410 |
| 18-Year-Old Female | $190 | $240 | $300 | $380 |
| 18-Year-Old Male | $205 | $255 | $315 | $395 |
| 19-Year-Old Female | $180 | $230 | $290 | $370 |
| 19-Year-Old Male | $210 | $260 | $320 | $400 |
| 20-Year-Old Female | $170 | $220 | $280 | $360 |
| 20-Year-Old Male | $200 | $250 | $310 | $390 |
| 21-Year-Old Female | $160 | $210 | $270 | $350 |
| 21-Year-Old Male | $190 | $240 | $300 | $380 |
Teens will have to pay more for high-risk auto insurance if they have an accident, ticket, or DUI on their record.
In some cases, teens may even have to get SR-22 auto insurance.
If Tennessee teens can’t find an insurance company willing to insure them, they must apply for the Tennessee automobile insurance plan. Tennessee high-risk auto insurance costs are expensive, but the state plan insures drivers who cannot get coverage at normal companies.
Read more: Auto Insurance Companies for High-Risk Drivers
Adding a Teenager to Your Auto Insurance Policy
It is usually always cheaper adding a driver to auto insurance, especially if the driver is a teenager.
Tennessee Auto Insurance Monthly Rates by Age, Gender, & Policy Type
| Age & Gender | Individual Policy | Parent's Policy |
|---|---|---|
| 16-Year-Old Female | $315 | $205 |
| 16-Year-Old Male | $335 | $215 |
| 17-Year-Old Female | $305 | $195 |
| 17-Year-Old Male | $325 | $205 |
| 18-Year-Old Female | $295 | $185 |
| 18-Year-Old Male | $315 | $195 |
| 19-Year-Old Female | $275 | $175 |
| 19-Year-Old Male | $295 | $185 |
| 20-Year-Old Female | $255 | $165 |
| 20-Year-Old Male | $275 | $175 |
| 21-Year-Old Female | $235 | $155 |
| 21-Year-Old Male | $255 | $165 |
Teens can stay on a parents’ policy for as long as they share a permanent residence.
Tennessee Auto Insurance Discounts for Teens
When shopping for cheap auto insurance for families with multiple drivers, watch for multi-policy discounts and teen driver safety rewards.
Tennessee auto insurance discounts vary from company to company, but most Tennessee companies offer at least a few discounts to families.
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Get the Cheapest Teen Driver Auto Insurance in Tennessee
You will find cheap auto insurance for 16-year-olds and up at Erie, USAA, and Geico. The cheapest companies offer plenty of discounts for teenagers, as well as comprehensive coverage options. It is important to shop around and get quotes from each company to see which will be the cheapest for you.
Looking for the cheapest full coverage insurance in Tennessee for teens? Enter your ZIP to compare car insurance quotes in Tennessee today.
Frequently Asked Questions
Is car insurance expensive in Tennessee?
Tennessee car insurance is expensive for drivers who have filed multiple Tennessee high-risk auto insurance claims or for new teenage drivers.
Who has the cheapest car insurance rates in Tennessee?
Erie has the cheapest rates on average.
How much is monthly auto insurance for a 16-year-old in Tennessee?
Minimum coverage is an average of $160/mo for 16-year-old drivers in Tennessee.
Who has the cheapest Tennessee insurance for a 17-year-old?
Cheap auto insurance for 17-year-olds can be found at Erie, USAA, or Geico.
Is Geico cheaper than Progressive teen auto insurance in Tennessee?
Yes, Geico is cheaper on average than Progressive.
Is Allstate cheaper than Geico teen auto insurance?
No, Geico is cheaper on average than Allstate (learn more: Allstate vs. Geico Auto Insurance).
Is Allstate cheaper than Progressive teen auto insurance?
Allstate and Progressive have similar rates. You should read Tennessee auto insurance reviews and get quotes to see which is cheaper for you. Compare auto insurance quotes in Tennessee now by entering your ZIP into our free tool.
What is the minimum auto insurance for Tennessee drivers?
Tennessee drivers need to have liability auto insurance to drive.
What is the cheapest liability insurance in Tennessee?
Erie has some of the cheapest liability rates in Tennessee. However, the cheapest company for you may vary based on your driving record and location (read more: Cheapest Liability-Only Auto Insurance).
Do permit drivers need auto insurance in Tennessee?
A parent’s policy will usually cover permit drivers until they get their license.
Can a 16-year-old own a car in Tennessee?
Teens can’t own their car in Tennesee, with a few exceptions, until they are 18.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
