The most accurate answer is:
Rocks layers break apart along fault lines releasing large amounts of energy.
Earthquakes are primarily caused by the movement of tectonic plates and the release of stress that has built up along faults in the Earth's crust. When rocks break or slip along these faults, they release energy in the form of seismic waves, which we feel as an earthquake. While convection currents in the mantle can contribute to the movement of tectonic plates, the immediate cause of most earthquakes is the sudden release of energy along fault lines.