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Incredible Car Insurance In Tn References . Web car insurance in tennessee costs $39 per month or $467 per year for minimum coverage, on average. The average auto insurance rate in tennessee is $1,315 annually — 7.9% less than the national average. Cheapest Car Insurance In Tn Insurance Reference from referenceinsurance.blogspot.com Web the best car insurance companies in tennessee are the general , gainsco , and direct auto, based on user ratings on wallethub. Is tennessee's best car insurer overall. Usaa offers the cheapest full coverage for around $93 each month.