There’s a lot to think about when moving to Tennessee from Georgia. From differences in the cost of living to insurance premiums along with getting over to the Tennessee DMV to transfer your Georgia driver’s license and vehicle registration, you’ll want to do some budgeting and planning before you make the move.
Relocalate.com has done the heavy lifting for you. Our expert researchers have compiled the key things you need to know when moving to Tennessee from Georgia. Find out what you can expect to pay in federal and Tennessee state taxes, whether you’ll be spending more or less in key cost of living categories, and how long you’ll have to get a new driver’s license and car registration. Plus, you can even get a head start on saving the most money when you move by comparing free quotes for health coverage, car insurance, home/renters insurance, and more.
License & Registration
Transfer your Georgia driver’s license to Tennessee within 30 days.
Transfer your vehicles & get Tennessee license plates upon establishing residency.
On this page, you’ll be able to:
- See how the cost of living compares for Tennessee and Georgia.
- Estimate how much more or less you can expect to pay in state and federal income taxes after you move to Tennessee.
- Find out what to expect when it comes to Tennessee property taxes, buying a home, and home insurance premiums.
- Learn whether you’ll be able to save some money or have to spend a little more in key cost of living categories including groceries, transportation, housing, and healthcare.
- Find out what you’ll need to do with the Tennessee DMV to transfer your Georgia driver’s license and vehicle registration. (And how long you’ll have to do it.)
- Estimate how much it will cost to move from Georgia to Tennessee.
- BONUS: Start saving money today by comparing free quotes for all your new insurance policies in Tennessee.
Moving to Tennessee from Georgia Checklist
- 1. Estimate the cost of the move.
- 2. Update your insurance policies.
- 3. Be prepared to transfer your Georgia license & registration to Tennessee.
- 4. Budget and prepare for cost of living changes.
- 5. Change your address and forward your mail through USPS.
- 6. Register to vote.
- 7. Update your new address with your banks, loans, and other accounts.
- 8. Set up your utilities and services at your new home.
Find some more tips and to-dos for Moving to Tennessee here.
Cost of Moving from Georgia to Tennessee
Unfortunately moving can be expensive. Moving to a brand new state usually comes with some extra costs.
Use this moving cost calculator to get a rough idea of how much your move from Georgia to Tennessee will cost.
The rough distance between Tennessee and Georgia is 277 miles. We’ll use that for our calculations. Select the size of your home that you’ll be moving to get an idea of the costs.
Moving Cost Calculator: Georgia to Tennessee
Remember, this is just a rough estimate. The cost of your move will vary depending on the company you choose, your belongings, and other circumstances.
Update Your Insurance Policies for Coverage in Tennessee
Don’t wait! Update your car insurance coverage for Tennessee
When you move to Tennessee, you’ll want to make sure that you’ll be covered for all of life’s unexpected situations. That means updating your insurance policies with your new address and the minimum requirements for Tennessee.
Tennessee Car Insurance
One of the first policies you’ll want to update when you move is going to be your car insurance coverage.
In Tennessee, the minimum liability coverage is $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $15,000 property damage liability per accident.
Average Cost of Minimum Coverage
$371
On average, the annual premium for a minimum liability coverage policy is lower in Tennessee. You’ll likely pay less for car insurance in Tennessee than you did in Georgia.
Average Cost of Full Coverage
$1,429
On average, the annual premium for a full coverage auto insurance policy is lower in Tennessee. You’ll likely pay less for full coverage in Tennessee than you did in Georgia.
Do you own a motorcycle?
Tennessee Home & Renter’s Insurance
Whether you’ll rent or own your new home, you’ll want to make sure you have the right coverage when you arrive.
Let’s face it, accidents happen during a move. Make sure you have the coverage you need to protect your belongings and your house.
Average Cost of Homeowner’s Insurance
$1,755
You can usually expect that the annual premium for home insurance will be higher in Tennessee. You’ll likely pay more for your home insurance policy in Tennessee than you did in Georgia.
Will you own or rent your home?
Tennessee Health Insurance
You’ll also need to make sure that you and your family have health coverage once you arrive in Tennessee.
If you’ll be keeping your job when you move, be sure to ask your employer about any implications for your current health insurance policy.
You’ll need to find out which hospitals and plans are available near your new home. Spend some time researching providers in your area.
Healthcare Costs in Tennessee
Lower
Generally, healthcare costs are lower in Tennessee. You’ll likely pay less for healthcare in Tennessee than you did in Georgia.
Will you be keeping health insurance with your current employer?
Find Health Coverage ➜
Department of Motor Vehicles (DMV) Tasks when Moving to Tennessee from Georgia
Transfer your Georgia Driver’s License
within 30 days.
After you’ve moved to Tennessee, you’ll need to get a valid driver’s license.
Transfer your Georgia Car Registration
upon establishing residency.
You’ll also need to transfer your vehicle registration and get Tennessee license plates.
When you become a resident of Tennessee, you’ll need to transfer your Georgia driver’s license and vehicle registration.
You’ll also need to update your car insurance policies so that they meet the minimum requirements for Tennessee. Sometimes this can come with a rate hike, so it’s always a smart idea to shop around.
The minimum liability coverage you’ll need in Tennessee is $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, $15,000 property damage liability per accident.
You can start comparing car insurance quotes for Tennessee for free right here on Relocalate.com.
Transfer Your Georgia Driver’s License to Tennessee
Minimum Age for a Tennessee Driver’s License
17 years old
A standard Tennessee driver’s license is available to residents who are at least 17 years old.
Tennessee Driver’s License Expires
every 8 years
You’ll need to renew your driver’s license every 8 years.
Tennessee Driver’s License Cost
$28.00
A driver’s license will cost around $28.00.
One of the first things you’ll want to do after becoming a resident of Tennessee is to get a driver’s license.
In fact, new residents should apply for their Tennessee driver’s license within 30 days.
In Tennessee, driver’s licenses are issued by the DLS.
To apply, you’ll need to:
- Complete the Tennessee Driver’s License Application.
- Surrender your Georgia driver’s license.
- Present the necessary proof of identity and residency with your new Tennessee address.
- Pass any required testing.
- Take a photo.
- Pay the driver’s license fee.
After applying and passing any necessary tests, you’ll receive a temporary paper license. The Tennessee DLS will mail you your new license, and it should arrive within a few weeks.
For official information and for details about scheduling appointments, visit https://www.tn.gov/driver-services.html.
Tennessee Driver’s License Knowledge Exam
Total Questions on the Tennessee Driver’s License Test
30 total questions
The Tennessee knowledge exam will typically consist of 30 total questions that are based on the driver’s handbook.
Passing Score
80%
You’ll need to score 80% to pass the test.
When you transfer your Georgia license to Tennessee, you should be prepared to pass the driver’s license written exam.
While not every applicant will be required to take the test, it is still a good idea to brush up on traffic laws in Tennessee.
Before you visit the DLS, take some time to study the official driver’s handbook for Tennessee. While many traffic laws and safety rules are universal from state to state, there are some specifics that may be a little different.
Assuming your Georgia driver’s license is valid and unexpired, you should not need to take the Tennessee driving test.
Is your Georgia driver’s license valid?
One potential hang up to be aware of is around the validity of your Georgia driver’s license.
To make things as easy as possible, your Georgia license should be valid when you apply for a license in Tennessee.
Ideally what this means is that you should clear any issues with the Georgia DMV BEFORE you move.
For example:
- If your Georgia driver’s license is lost or damaged, you should replace it before moving.
- If your Georgia driver’s license is suspended or revoked, you should try to reinstate it before you move.
If your Georgia driver’s license is expired when you go to apply for your Tennessee license, it’s possible that the DLS will treat it like a brand new application, which may require a written exam and a road test, plus any other requirements for new drivers.
The bottom line: Try to take care of any issues with your Georgia driver’s license BEFORE you move and visit the Tennessee DMV.
Transfer Your Car Registration from Georgia to Tennessee
If you’re going to bring your car with you when you move, you’ll also need to transfer your Georgia registration to Tennessee.
Vehicle registration and titles are handled by the Tennessee VSD.
You can find more specific details for your vehicle registration and official information at https://www.tn.gov/revenue/title-and-registration.html
Tennessee Registration Fee Basis
flat rate
Tennessee vehicle registration fees are generally calculated by flat rate.
Registration Base Fee Estimate
$23.75+
Additional fees may vary based on vehicle type as well as any local fees and taxes.
Tennessee Registration Expiration
every year
In Tennessee, you’ll need to renew your registration every year.
Front License Plates
A front license plate is not required in Tennessee.
Vehicle Safety Inspections
There is typically no vehicle safety inspection required in Tennessee.
Smog & Emissions Testing
Emissions testing is not required for vehicles registered in Tennessee.
New residents in Tennessee are required to transfer their out-of-state vehicle registration upon establishing residency.
When moving to Tennessee with vehicles from Georgia, you should be prepared to:
- Complete an application for Tennessee registration and title.
- Present your current registration documents from Georgia.
- Provide any other necessary proof of ownership documents (title, lease agreement, lienholder information, etc.)
- Pass any necessary vehicle inspections required for Tennessee registration.
- Have a valid Tennessee insurance policy for your vehicles.
- Pay the registration fees.
Notify the Georgia DMV
While it’s not always a requirement, it can be worthwhile to update your address with the Georgia DMV and notify them that you have moved out of the state.
This can often be done on the DMV website, and will prevent you from receiving any renewal notices for your old driver’s license and registrations.
Taxes in Tennessee vs Georgia
Differences in taxes are a big consideration in any state to state move.
Unfortunately, it’s not all black and white. In order to get the full picture, it’s important to consider all of your potential tax burdens when moving from Georgia to Tennessee including state income tax, property taxes, and sales tax.
Plus, you’ll need to think about how the overall cost of living on key spending categories is going to compare. More on that below.
For example, if you’re a homeowner, it’ll be smart to look at both income tax differences, property tax burdens, as well as average home prices to get a more accurate idea of your tax savings or hike once you move to Tennessee.
We’ll cover some key differences in your tax savings and tax hikes when moving to Tennessee from Georgia.
For simplicity’s sake, we’ll be comparing effective tax rates, which simplify the marginal tax rates and tax brackets in each state to look at the estimated average total tax you may be paying.
Note that your tax situation may be much different than the estimates provided here. Use these as a high-level comparison tool.
Federal & State Income Taxes when Moving to Tennessee from Georgia
Overall, you’ll likely be looking at an income tax savings when moving to Tennessee from Georgia.
Tennessee Income Tax (effective rates)
0.00% (single) & 0.00% (joint)
Tennessee doesn’t have a state income tax.
Effective Rates: Federal + State Income Taxes
15.67%
On average, the effective income tax rate (state + federal) is lower in Tennessee. You’ll likely pay less in income tax in Tennessee than you did in Georgia.
Tax Comparison Calculator
Effective income tax rates (Federal + State):
- Tennessee: 15.67% (single), 15.47% (joint)
- Georgia: 20.45% (single), 20.52% (joint)
In Tennessee, your tax would be . In Georgia, your tax would be .
You would pay more in than in .
When comparing your overall tax burdens between states, it can help to look at both the state and federal income tax rates.
Remember, this comparison is looking at the effective rates in order to simplify things.
Here’s a high level look at how your effective tax rates may be different after you move to Tennessee from Georgia
- State Income Tax (single filers): 0.00% in Tennessee vs 4.49% in Georgia
- State Income Tax (joint filers): 0.00% in Tennessee vs 4.66% in Georgia
- Federal + State Income Tax (single filers): 15.67% in Tennessee vs 20.45% in Georgia
- Federal + State Income Tax (joint filers): 15.47% in Tennessee vs 20.52% in Georgia
Sales Tax in Tennessee vs Georgia
Next, it’s helpful to consider the differences in sales tax.
Sales tax is a consumption tax you pay when you buy goods and services. It is typically calculated as a percentage of the final price you pay.
Note that many states have a state-wide sales tax and local governments and municipalities can charge an additional sales tax on top of that. This comparison looks at the state-wide sales tax.
Tennessee Sales Tax
7%
Tennessee has a state sales tax rate of 7%.
The sales tax rate is higher in Tennessee. You’ll likely pay more on sales tax in Tennessee than you did in Georgia.
Property Taxes in Tennessee vs Georgia
If you’re a homeowner, or plan to buy a home in Tennessee, it’s also a good idea to take a look at the difference in property taxes and home values.
Tennessee Property Tax Estimate
0.71%
The property tax rate is lower in Tennessee. You’ll likely pay less for property taxes in Tennessee than you did in Georgia.
Home Prices in Tennessee
$167,200
On average, the average home price is lower in Tennessee. You’ll likely pay less for a house in Tennessee than you did in Georgia.
This is also a good time to back sure you are getting the best deal on your Tennessee homeowner’s insurance policy.
How Does the Cost of Living Compare in Tennessee vs Georgia?
Cost of living is another major difference when moving to a brand new state.
Depending on the local industries, geography, region, and population, the price of different goods and services can vary greatly.
Now, the cost of living will also depend on your own lifestyle, spending habits, and which city you move to in Tennessee.
Cost of living (COL) indexes are used to compare each state to the national average of 100. The difference between COL values higher or lower than 100 represent the percentage difference from the national average.
We can compare the cost of living indexes for Tennessee and Georgia to get a high level idea of whether we’ll be saving money or have to spend a bit more on the following categories:
- Overall Cost of Living.
- Groceries.
- Housing.
- Utilities.
- Transportation.
- Healthcare.
- Miscellaneous goods and service.
Overall, the cost of living in Tennessee is
-9.60% cheaper
than the national average, compared to -9.00% cheaper for Georgia.
Tennessee Cost of Living Index
90.4
National Avg: 100
On average, the cost of living is lower in Tennessee. You’ll likely pay less for many things in Tennessee than you did in Georgia.
Cost of Groceries
-2.20% cheaper
than the national avg.
Typically, the cost of groceries is lower in Tennessee. You’ll likely pay less for groceries in Tennessee than you did in Georgia.
Housing Costs
-17.10% cheaper
than the national avg.
Generally, the cost of housing (rent/mortgage/etc) is higher in Tennessee. You’ll likely pay more for housing costs in Tennessee than you did in Georgia.
Tennessee Utilities
-6.80% cheaper
than the national avg.
The cost of utilities is typically higher in Tennessee. You’ll likely pay more for your monthly utility bills in Tennessee than you did in Georgia.
Transportation Costs
-10.00% cheaper
than the national avg.
On average, the cost of transportation is lower in Tennessee. You’ll likely pay less on transportation in Tennessee than you did in Georgia.
Healthcare in Tennessee
-11.90% cheaper
than the national avg.
Generally, healthcare costs are lower in Tennessee. You’ll likely pay less for healthcare in Tennessee than you did in Georgia.
Miscellaneous Costs
-7.20% cheaper
than the national avg.
The cost of miscellaneous goods and services are generally lower in Tennessee. You’ll likely pay less for these things in Tennessee than you did in Georgia.
Relocalate.com Methodology
While big changes like moving to a new state can be exciting, we also know that any move can be stressful. That’s why we created Relocalate.com.
The data and comparisons on this page are designed to give you a high level look at what you can expect when moving from Georgia to Tennessee.
Our free moving tools and calculators are here to help you play around with the numbers so you can start working on a budget for your big move to Tennessee.
We’ve crunched the numbers from census data, federal government resources, state and local data, as well as interviews and chats with people who’ve made the move from Georgia to Tennessee.
While there are many things we can’t control when moving to a new state, like the overall cost of living and housing prices, we’ve found that one of the single most effective ways to save money is by getting a better deal on your insurance policies.
That’s why we’ve partnered with trusted insurance providers and some of the best in Tennessee to bring your free quote tools that you can access while you plan out your move.
Good luck! We wish you the best as you get settled into your home and start feeling like a Tennessee local.