Car Insurance After an Accident in Tennessee: Rates & Best Companies (2026)
Quick Answer
An at-fault accident in Tennessee increases insurance by 41%, raising full coverage from $1,824/year to $2,572/year. Some companies like Allstate offer accident forgiveness that prevents the first increase.
✓ Updated March 2026✓ Based on state insurance filings
Before Accident
$152/mo
After At-Fault Accident (+41%)
$214/mo
Cheapest Companies After Accident in Tennessee
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $159/mo | $1,903/yr | Military families |
| Erie Insurance | $169/mo | $2,032/yr | Rate lock guarantee |
| GEICO | $176/mo | $2,109/yr | Clean driving record |
| Progressive | $189/mo | $2,263/yr | Telematics savings |
| State Farm | $195/mo | $2,341/yr | Good students |
| Travelers | $204/mo | $2,443/yr | Multiple discounts |
| Nationwide | $223/mo | $2,675/yr | Bundling home + auto |
| Farmers | $231/mo | $2,778/yr | Signal telematics |
| Allstate | $240/mo | $2,881/yr | Accident forgiveness |
| Liberty Mutual | $253/mo | $3,035/yr | New car replacement |
USAACheapest
Monthly
$159/mo
Annual
$1,903/yr
Best for: Military families
Erie Insurance
Monthly
$169/mo
Annual
$2,032/yr
Best for: Rate lock guarantee
GEICO
Monthly
$176/mo
Annual
$2,109/yr
Best for: Clean driving record
Progressive
Monthly
$189/mo
Annual
$2,263/yr
Best for: Telematics savings
State Farm
Monthly
$195/mo
Annual
$2,341/yr
Best for: Good students
Travelers
Monthly
$204/mo
Annual
$2,443/yr
Best for: Multiple discounts
Nationwide
Monthly
$223/mo
Annual
$2,675/yr
Best for: Bundling home + auto
Farmers
Monthly
$231/mo
Annual
$2,778/yr
Best for: Signal telematics
Allstate
Monthly
$240/mo
Annual
$2,881/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$253/mo
Annual
$3,035/yr
Best for: New car replacement
These are estimates based on state averages. Your exact rate depends on your specific profile.
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How to Lower Rates After an Accident
- Take a defensive driving course (5-10% discount in most states)
- Increase your deductible to $1,000 or higher
- Shop around — rates vary 50%+ between companies after an accident
- Ask about accident forgiveness programs
- Bundle home and auto for additional savings
- Maintain continuous coverage without lapses