3 carriers raised and 9 carriers cut Tennessee auto rates in 2026. The fastest way to stop overpaying is to compare carriers for your ZIP — the cheapest options in Tennessee are below.
Cheapest car insurance carriers in Tennessee right now
Estimated annual premiums for a standard profile, cheapest first — Tennessee averages about $2,124/yr. The spread between carriers is wide, so shopping is how you beat a rate hike.
| # | Carrier | Est. annual | vs avg |
|---|---|---|---|
| 1 | USAA | $1,325/yr | Save $584 |
| 2 | State Farm | $1,641/yr | Save $268 |
| 3 | GEICO | $1,759/yr | Save $150 |
| 4 | Travelers | $1,816/yr | Save $93 |
| 5 | Root Insurance | $1,863/yr | Save $46 |
| 6 | Progressive | $1,954/yr | +$45 |
| 7 | The Hartford | $1,998/yr | +$89 |
| 8 | Kemper | $2,082/yr | +$173 |
| 9 | National General | $2,123/yr | +$214 |
| 10 | Safeco | $2,229/yr | +$320 |
Carriers that raised Tennessee rates in 2026
| Carrier | Change | Effective | Affected | % of brand | Source |
|---|---|---|---|---|---|
| Farmers Mid-Century Insurance Company | +1.4% | Jun 9, 2026 | 32,328 | 19.8% | SERFF #FARM-134932086-2 ↗ |
| American National American National General Insurance Company | +8.0% | Jun 26, 2026 | 1,998 | 21.6% | SERFF #ANPC-134881820 ↗ |
| American Family American Family Connect Property and Casualty Insurance Company | +4.0% | Aug 11, 2026 | 3,209 | — | SERFF #PRCA-134868307 ↗ |
Carriers that cut Tennessee rates in 2026
| Carrier | Change | Effective | Affected | % of brand | Source |
|---|---|---|---|---|---|
| State Farm State Farm Mutual Automobile Insurance Company | −10.7% | Dec 15, 2025 | 1,309,799 | 97.8% | SERFF #SFMA-134611724 ↗ |
| Country Financial COUNTRY Preferred Insurance Company | −6.0% | Mar 6, 2026 | 3,783 | 69.3% | SERFF #CFPC-134718424-2 ↗ |
| Nationwide | −2.3% | Mar 6, 2026 | 25,649 | — | SERFF (TN DOI filing NWPP-G134730628) |
| GEICO GEICO Indemnity Company | −5.0% | Apr 9, 2026 | 44,545 | 82.9% | SERFF #GECC-134888920 ↗ |
| Shelter | −3.4% | May 13, 2026 | 90,672 | — | SERFF #SHEL-134846853 ↗ |
| Auto-Owners | −0.6% | May 26, 2026 | 46,476 | — | SERFF #AOIC-134836495 ↗ |
| Root | −5.7% | May 29, 2026 | 8,010 | — | SERFF #CLIN-134910716 ↗ |
| Progressive Progressive Casualty Insurance Company | −4.3% | May 29, 2026 | 444,034 | 7.9% | SERFF #PRGS-134800104-2 ↗ |
| State Farm State Farm Mutual Automobile Insurance Company | −6.8% | Jun 1, 2026 | 1,334,001 | 97.8% | SERFF #SFMA-134859733 ↗ |
Are you actually getting the new rate?
Approved changes are statewide averages, and a cut usually reaches new buyers first — existing customers often don’t see it until their next renewal, if at all. For example, State Farm’s cut took effect for new customers on Dec 15, 2025 but existing customers only at renewals starting Jan 15, 2026. The only way to know you’re on the best current price is to re-shop.
Filing figures are filed/approved statewide averages from each state’s Department of Insurance; rankings are directional estimates. “Affected” counts are policyholders or insured vehicles as stated in each filing. Your individual rate varies by risk profile. Each filing links to its source. Not a quote.