Quarterback Mark Sanchez tossed his fourth and final interception of the night in one of the worst outings of his career.
A dreadful Titans punt gave the Jets one more possession starting at Tennessee's 32, only to end their season with a fumbled snap.
"For that last play to happen it is about as bad as it gets," Jets coach Rex Ryan said.
"I thought we would be in the playoffs."
Chris Johnson provided the game's lone highlight with a 94-yard touchdown burst that gave Tennessee a 7-3 lead at halftime. He finished with 122 yards rushing.
New York struck back in the third quarter where Sanchez found Jeff Cumberland on a 17-yard strike, but the home team reclaimed the advantage on a 13-yard run by Titans quarterback Jake Locker.
Sanchez, who has been under fire this season for his poor performance and was pulled mid-game two weeks ago, connected on just 13 of 28 passes for 131 yards in a season-defining failure.
Follow us @SprtNationalUAE