Drivers in Tennessee typically have fewer national average costs for car insurance. Tennessee’s rate averages $2,090 for full coverage and $513 for lowest coverage, while the national average is $2,678 for full coverage and $799 for lowest coverage (as of March 2025). Your driving record will have a big impact on your insurance premiums, and getting a speeding ticket is considered a dangerous driving behavior and you will be paying for more compensation. The average fee after a speeding ticket in Tennessee is $2,571 for full coverage. Meanwhile, drivers with insurance and record tickets pay an average of $647. Our research may help you understand how speeding ticket costs in Tennessee, how it affects car insurance premiums, and where you get the lowest rates.
How much is a speeding ticket in Tennessee?
According to state law, a speeding ticket in Tennessee can cost more than just a fine. Fines range from $111.50 to $146.50 based on amounts exceeding the limit you were making. Additionally, 3-8 points will be added to your license. Collecting 12 or more points in one year can result in a suspension of your license and allow additional fines to be paid when reclaiming your license after the suspension period.
Following on from the Tennessee speeding ticket, here is a summary of the penalties you may face:
- Speed limit: $111.50 fine and 3 points for license
- Speed limit: $121.50 fine and 4 points for license
- Over 25 miles in speed limit or school zone: $146.50 plus a 4-8 point fine for license
In addition to citizen fines and other penalties, the costs of car insurance could increase. As mentioned above, the average insurance cost for a driver with a speeding ticket is higher than the fees that a driver pays when he has a clean record.
Cheapest Auto Insurance for Tennessee Drivers with Speeding Tickets
The good news for drivers with speeding tickets is that all insurance companies have slightly different ways to determine their rates. So you may be able to find cheaper insurance by shopping from multiple companies and collecting quotes. Based on Bankrate’s investigation, the following companies provide reasonable fees to drivers who have won tickets for speeding: Ellie and the USAA tie up the cheapest average rates after a speeding ticket in Tennessee, followed by travelers.
| company | Tennessee Speeding Ticket* | Tennessee Speeding Ticket* | % increase from the state average |
|---|---|---|---|
| Comprehensive | $2,166 | $2,476 | 14% |
| Ellie | $1,181 | $1,881 | 59% |
| Geico | $1,430 | $2,189 | 53% |
| Travelers | $1,287 | $2,071 | 61% |
|
USAA ** |
$1,563 | $1,881 | 20% |
| *All prices are the average annual full coverage rate. ** USAA is only available to veterans, active service members and their families. |
What to do after a speeding ticket in Tennessee?
When you receive a speeding ticket, there are several tactics you can implement to make the most of your situation. Tennessee does not have a speeding ticket cost calculator, but the Department of Safety & Homeland Security website lists potential costs, including fines, courts and reinstatement costs, and helps you determine which means to obtain, including registering a license or vehicle registration.
For example, disagreeing with the claim that it is speeding can help you fight tickets well. However, there are strategies you can use to keep your insurance costs as low as possible if the judge still convicts you or admits guilt and pays penalties. Keep in mind that multiple speeding tickets can place you in a high-risk category.
Fighting tickets
If you feel that your ticket was given by mistake, we recommend fighting for it. To effectively fight speeding tickets, you need to collect evidence such as Dashcam footage showing you have a disabled speedometer, witness statements, and maintenance records. It’s helpful to be familiar with the relevant laws and regulations. It may cost you more, but you may consider hiring a lawyer specializing in traffic crimes to negotiate with authorities on your behalf. Attend a prepared court and present persuasive evidence to increase the chances of a positive outcome. Please note that even if a judge rejects a ticket, he may still have to pay the court fee.
Get quotes from other car companies
All insurance companies use their own formulas to determine fees. Some companies may focus on moving violations, while others may not. This is a good idea to ask for a quote from several airlines after your ticket to see if another insurance company will offer you a better deal. However, make sure you want each company to have exactly the same level and type of coverage. This will allow you to compare apples and april.
Find a discount
Most auto insurance companies offer discounts that help qualified drivers save their policies. Some insurance companies offer unique discounts, but some of the most common ones are:
- Bundle Discount: If you insure your vehicle and home from the same company, you will usually get a multi-policy discount. Some insurance companies offer discounts for other types of policies if you don’t own a home, such as condos, tenants, mobile homes, life insurance, etc.
- Multiple car discounts: Does your family own multiple vehicles? It is common for an insurance company to offer discounts when insuring all vehicles registered with the same company.
- Telematics Discount: Telematics programs use small devices or mobile apps to monitor driving in real time. If you prove to be a safe and discreet driver, you can get a generous discount. In some cases, you can get up to 40% off. However, some insurers may have unsafe driving practices that can lead to higher rates, so be sure to check if this applies when you sign up.
- Good student discount: If you are a high school or college student and have won a speeding ticket, you may be eligible for a discount based on your grade point average. Some insurers often offer excellent student discounts for those with a “B” or better average.
- Defensive driving discounts: Taking a state-approved defensive driving course can lead to discounts with some carriers. Perhaps equally important is the fact that Tennessee law removes up to five points from the license if you complete an approved course within 90 days of your conviction.
FAQ
Methodology
Using Quadrant Information Services, Bankrate analyzes all ZIP codes and carriers in all 50 states March 2025 rates, with Washington DC rates being weighted based on population density for each geographical region. The cited fees are based on 40-year-old male and female drivers with clean driving records, good credits and the following full coverage limits:
- $100,000 per person physical injury liability
- $300,000 for each accident
- Liability for property damages of $50,000 per accident
- Uninsured driver physical injury for $100,000 per person
- Uninsured driver’s physical injury for $300,000 per accident
- $500 collision deduction possible
- Comprehensive $500 deduction
To determine the minimum coverage limit, bank rates used minimum coverage to meet the requirements of each state. Our base profile driver owns a 2023 Toyota Camry, commutes five days a week and drives 12,000 miles a year.
These are sample rates and should be used for comparison purposes only.
Incident: Rates were calculated by evaluating the base profile by applying the following incidents: clean records (base) and single speeding tickets.
