Cost Per Mile to Operate a Truck in Tennessee (2026)
What it actually costs owner-operators to run a semi-truck in Tennessee — diesel, insurance, IFTA, and freight market notes for TN.
Diesel prices in Tennessee
The average diesel price in Tennessee is roughly $3.55/gal. For a truck running 8,000 miles/month at 6.5 MPG, that's about $4,369/month in fuel alone — or roughly $0.55/mile. Fuel is typically 30–40% of total cost per mile, so Tennessee's diesel price has a major impact on whether a load is profitable.
Trucking insurance in Tennessee
Tennessee insurance averages $10,000–$13,500/yr. Annual premiums vary widely based on CDL history, equipment age, and operating radius.
TN IFTA and fuel taxes
Tennessee IFTA fuel tax: 27.4¢/gal diesel. File quarterly and keep accurate trip mileage records by jurisdiction to stay compliant.
Freight market in Tennessee
Nashville, Memphis (FedEx Superhub), and Chattanooga — three world-class freight markets.
How to lower your cost per mile in Tennessee
- Track diesel by region — refuel where the all-in price (pump + state tax) is lowest.
- Negotiate fuel surcharge into every contract using a clear formula tied to the DOE index.
- Reduce deadhead — a 20% deadhead ratio adds 25% to your effective cost per loaded mile.
- Run our Cost Per Mile Calculator monthly with real receipts, not estimates.