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Average car insurance cost in Tennessee

Drivers in Tennessee pay about $2,112 a year for full-coverage car insurance on average. Your own rate depends on your car, driving record, coverage limits and ZIP code — but the state average sets the baseline, and it feeds directly into the real cost of owning a car here.

Fold it into your total cost to own

The calculator below starts with Tennessee’s average insurance and taxes. Adjust the car and your mileage to see your five-year cost.

The car & the loan
$
$
$
%
%
months
yrs
Running costs
MPG
$/gal
$
$
$

5-year true cost to own

$61,973

$12,395 per year · $0.92 per mile

Per month

$1,033

Loan payment

$970

Resale value

$26,950

Depreciation

$22,050

Amount financed

$48,430

Total miles

67,500

Where your money goes over the years

  • Depreciation$22,050 · 36%
  • Fuel / energy$10,004 · 16%
  • Insurance$10,560 · 17%
  • Maintenance & repairs$6,000 · 10%
  • Loan interest$9,796 · 16%
  • Taxes & fees$3,563 · 6%

Defaults use national averages (AAA, EIA, FHWA); change any field to match your situation. Depreciation is an estimate — a specific model can hold value better or worse.

The numbers behind this estimate

Sourced figures last verified 2026-11-07
FigureValueSource · verified
Sales tax on vehiclesCombined avg ~9.61%.7%Tax Foundation — State & Local Sales Tax Rates, Midyear 2026 · 2026-07-06
Avg. full-coverage insurance$2,112/yrValuePenguin — Car Insurance Rates by State 2026 · 2026-07-08
Registration feeState standard passenger plate fee; county fees extra; title ~$11.$27Tennessee Dept of Revenue — Registration Fees (VR-4) · 2026-11-07

Car insurance cost by state