Car Insurance with Bad Credit in Tennessee (2026)
Quick Answer
Bad credit in Tennessee increases car insurance by 56%, raising full coverage from $1,824/year to $2,845/year.
✓ Updated March 2026✓ Based on state insurance filings
Good Credit
$152/mo
Poor Credit (1.56x)
$237/mo
Best Companies for Bad Credit in Tennessee
| Company | Monthly | Annual | Best For |
|---|---|---|---|
| CheapestUSAA | $175/mo | $2,105/yr | Military families |
| Erie Insurance | $187/mo | $2,248/yr | Rate lock guarantee |
| GEICO | $194/mo | $2,333/yr | Clean driving record |
| Progressive | $209/mo | $2,504/yr | Telematics savings |
| State Farm | $216/mo | $2,589/yr | Good students |
| Travelers | $225/mo | $2,703/yr | Multiple discounts |
| Nationwide | $247/mo | $2,959/yr | Bundling home + auto |
| Farmers | $256/mo | $3,073/yr | Signal telematics |
| Allstate | $266/mo | $3,186/yr | Accident forgiveness |
| Liberty Mutual | $280/mo | $3,357/yr | New car replacement |
USAACheapest
Monthly
$175/mo
Annual
$2,105/yr
Best for: Military families
Erie Insurance
Monthly
$187/mo
Annual
$2,248/yr
Best for: Rate lock guarantee
GEICO
Monthly
$194/mo
Annual
$2,333/yr
Best for: Clean driving record
Progressive
Monthly
$209/mo
Annual
$2,504/yr
Best for: Telematics savings
State Farm
Monthly
$216/mo
Annual
$2,589/yr
Best for: Good students
Travelers
Monthly
$225/mo
Annual
$2,703/yr
Best for: Multiple discounts
Nationwide
Monthly
$247/mo
Annual
$2,959/yr
Best for: Bundling home + auto
Farmers
Monthly
$256/mo
Annual
$3,073/yr
Best for: Signal telematics
Allstate
Monthly
$266/mo
Annual
$3,186/yr
Best for: Accident forgiveness
Liberty Mutual
Monthly
$280/mo
Annual
$3,357/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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