Cheap Auto Insurance Quotes in Tennessee

Discover the best deals on car insurance in The Volunteer State with Insureist™
Get your personalized car insurance quote in minutes
Call Now: (855) 802-7142
  Fast, easy, secure
  Get a quote in minutes

Tennessee Car Insurance Averages for Annual Premiums

$358
Minimum Coverage Average
$1281
Full Coverage Average
$957
All Coverage Types Average

Cheapest Car Insurance in Tennessee

Getting cheap car insurance in Tennessee doesn't necessarily mean getting a low quality policy.  Many insurance carriers offer discounts on your car insurance policy.  These discounts come from things like:

  • Adding multiple vehicles to a policy
  • Bundling home and auto insurance together
  • Paying for your policy upfront
  • Passing a defensive driving training course
  • Keeping your driving record in good standing
  • Updating your policy info on a regular basis
  • Checking your rates, deductible, and limits
  • Using an anti-theft security system on your car
  • Being careful with the type of vehicle your purchase

Make sure you ask the agent you speak with about what you can do to get Tennessee affordable car insurance.  Get them to go through all of the auto insurance discounts they offer so you don't miss any.

 

Save $$$ On Your Auto Insurance
Let Insureist™ Put Money Back In Your Pocket
Get Your Quote In Minutes

Best Car Insurance in Tennessee

The Insureist™ Data Science team ranks the best insurance companies in Tennessee using multiple factors.  This includes areas such as financial health, reliability, quality, online reviews, and customer service.  Data is gathered from multiple credible sources that include:
  • Forbes
  • Consumer Reports
  • Standard & Poor’s
  • J.D. Power
  • Moody’s
  • A.M. Best

The best auto insurance companies in Tennessee are determined based on these results.

Car Insurance in Tennessee

Tennessee Vehicle insurance pricing will be different from city to city.  The Insureist™ Data Science team analyzed each metro area in Tennessee to give you an idea of the average insurance premium in each city.  TN insurance rates will vary depending on your driving record, personal history, and other information unique to your situation.

Save $$$ On Your Auto Insurance
Let Insureist™ Put Money Back In Your Pocket
Get Your Quote In Minutes

Types of Tennessee Car Insurance Quotes

The cheapest insurance companies in Tennessee will be different from person to person.  This is because everyone has a unique history when it comes to the factors that impact the rate you pay for insurance in Tennessee. Average rates may vary depending on the profile and background of the policyholder depending on these and other factors:

  • Age
  • Vehicle make and model
  • Insurance claim history
  • Credit score
  • Driving record
  • Gender
  • Marital status
  • Legal liability requirements
  • Where you live
  • Miles driven each year

Cheap Auto Insurance for Good Drivers

Drivers who drive clean and traffic citations can have car insurance rates significantly lower in the state of Tennessee.

Cheap Auto Insurance for Drivers with DUI

Everyone makes a mistake and has to deal with the consequences, but the consequences of a DUI can be severe. These penalties include fines into the thousands of dollars. Finding affordable rates for TN car insurance after a DUI is no small feat, but if you really have trouble getting an affordable rate, consider only liability insurance as a way to save.

Cheap Auto Insurance for Drivers with an At-Fault Accident

Even a tiny fender bender can lift interest rates to levels that will significantly alter your budget. Insurers look at different time frames to track your driving history, from the time of your accident to the date of your accident and even up to a few months later. One company could look at the last five years, while the other could look at the last three years and so on.

Cheap Auto Insurance for Speeding Drivers

Speeding tickets can directly impact the rate you pay for TN auto insurance.  Get enough of them and you can even lose your license.

Cheap Auto Insurance for Young Drivers

Inexperienced drivers pose a higher risk to insurance providers so their rates can be significantly higher than average drivers. Novice drivers should be especially careful to maintain a clean driving record and comply with all speed limits and other driving regulations. Some TN insurance companies can provide more favorable rates than others for younger drives. It's worth getting multiple quotes so you can save money on your monthly insurance premiums.

Tennessee SR‌-22 Insurance

You will need to get SR‌-22 insurance in TN if it's ordered by the state or a court. If it's a court that orders it, then the judge will notify you of this at the hearing. If it's ordered by the state, then you will get a letter from the DM/BMV.

Not all drivers need an SR-22. It's generally only required if you are caught driving without a valid license or valid insurance. You may also need an SR-22 in these cases:

  • Convicted of a DUI or DWI
  • Operating a vehicle without insurance
  • Too many violations or accidents where you are at-fault
  • Multiple offenses in a short time frame (i.e. getting 4 speeding tickets within a few months)
  • Refusing to pay child support that is court-ordered
  • Having to obtain a hardship license

The SR-22 is not an insurance policy. It's a document that your insurance company in TN files with the state to prove you have adequate car insurance. This allows you to legally drive again if you are ordered to get an SR-22. Not all insurers offer SR-22s so you may need to shop around.

FAQs - Tennessee Car Insurance & Driving Facts

Which car insurance is best in Tennessee?

The best car insurance company in Tennessee will vary depending on where you are located in the state and what type of coverage you need. It's a good idea to get a quote from multiple TN insurance companies to get the best deal for you. Here are the largest insurance companies in the US that you may consider starting with: State Farm, GEICO, Progressive Corporation, Allstate, USAA, Liberty Mutual, Farmers Insurance Group, Nationwide Mutual Insurance Company, American Family Insurance, The Travelers Companies. Please note that they may or may not provide specific kinds of coverage in your area.

How much car insurance do i need in Tennessee?

The minimum auto insurance liability coverage required in the state of Tennessee is 25/50/15. This means that you must by law have at least the following coverages: $25000 bodily injury coverage per person, $50000 bodily injury coverage per accident, $15000 property damage coverage per accident. While these are the legal minimums to drive in Tennessee, many experts recommend that you get liability coverage of at least 100/300/50 if you can afford it. This means you should strongly consider: $100,000 bodily injury coverage per person, $300,000 bodily injury coverage per accident, $50,000 property damage coverage per accident. You may also consider getting additional TN auto insurance coverage depending on your financial situation.

How much does car insurance cost in Tennessee?

The average annual cost of an auto insurance policy in Tennessee is $957. The average minimum coverage annual cost in Tennessee is $358. The average full coverage annual cost in Tennessee is $1281.

How does car insurance work in Tennessee?

Car insurance pays for damage caused by the driver, but can also cover repairs and medical bills. Motorists buy policies from auto insurance companies that promise some coverage for different situations. There are different types of car insurance for drivers in different states, and there are many different levels of coverage available from different companies. Vehicle insurance is mandatory in 48 states, but the specific insurance requirements and costs vary from state to state for each driver.

What are the different types of car insurance in Tennessee?

These are the 5 typical components of an auto insurance policy: Liability Coverage - Pays for injuries to people and damage to property caused by you in an accident; Uninsured and Underinsured Motorist Coverage - Pays your medical bills if you are in an accident and the other driver does not have an insurance policy or does not have a big enough one; Comprehensive Coverage - Pays for damage to your car from fire, hail, flood, falling objects, vandalism, hitting an animal, and theft of your car; Collision Coverage - Pays for the repair or replacement of your car after an accident; Medical Payments Coverage - Pays for covering the cost of medical expenses related to an accident.

Additional Insights

Tennessee Map

Tennessee

Vehicle Insurance

Cities

Tennessee (,locally /ˈtɛnəsi/), officially the State of Tennessee, is a state in the Southeastern region of the United States. Tennessee is the 36th largest by area and the 16th most populous of the 50 states. It is bordered by eight states, with Kentucky to the north, Virginia to the northeast, North Carolina to the east, Georgia, Alabama, and Mississippi to the south, Arkansas to the west, and Missouri to the northwest. The Appalachian Mountains dominate the eastern part of the state, and the Mississippi River forms its western border. Nashville is the state's capital and largest city, with a 2019 population of 670,820 and a 2019 metro population of 1,934,317. Tennessee's second largest city is Memphis, which had a population of 651,073 and metro population of 1,346,045 in 2019.

The state of Tennessee is rooted in the Watauga Association, a 1772 frontier pact generally regarded as the first constitutional government west of the Appalachians. What is now Tennessee was initially part of North Carolina, and later part of the Southwest Territory. Tennessee was admitted to the Union as the 16th state on June 1, 1796. Tennessee earned the nickname "The Volunteer State" during the War of 1812, when many Tennesseans stepped in to help with the war effort, especially at the Battle of New Orleans. The nickname became even more applicable during the Mexican–American War in 1846, after the Secretary of War asked the state for 2,800 soldiers, and Tennessee sent over 30,000.

Tennessee was the last state to formally leave the Union and join the Confederacy at the outbreak of the American Civil War in 1861. Occupied by Union forces from 1862, it was the first state to be readmitted to the Union at the end of the war. During the war, Tennessee furnished the second-most soldiers to the Confederate Army, behind Virginia. It also supplied more regiments of soldiers to the Union Army than any other state in the Confederacy. Beginning during Reconstruction, the state had competitive party politics, but a Democratic takeover in the late 1880s resulted in passage of disenfranchisement laws that excluded most blacks and many poor whites from voting. This reduced competition in politics in the state until passage of civil rights legislation in the mid-20th century. Unlike states in the Deep South, Tennessee Republicans always expected at least a third of the vote in statewide elections, via East Tennessee and Highland Rim Unionists.

During the 20th century, Tennessee transitioned from mainly an agrarian economy to a more diversified one. This was aided in part by massive federal investment in the Tennessee Valley Authority and, in the early 1940s, the city of Oak Ridge, which was established just outside of Knoxville to house the Manhattan Project's uranium enrichment facilities, helping to build the world's first atomic bombs, two of which were dropped on Imperial Japan near the end of World War II. After the war, the Oak Ridge National Laboratory became a key center of scientific research. In 2016, the element tennessine was named for the state, largely in recognition of the roles played by Oak Ridge, Vanderbilt University, and the University of Tennessee in its discovery.

Tennessee's major industries include agriculture, manufacturing, and tourism. Poultry, soybeans, and cattle are its primary agricultural products, and major manufacturing exports include chemicals, transportation equipment, and electrical equipment. The Great Smoky Mountains National Park, the nation's most visited national park, is in the eastern part of the state, and a section of the Appalachian Trail roughly follows the Tennessee–North Carolina border. Other major tourist attractions include the Tennessee Aquarium and Chattanooga Choo-Choo Hotel in Chattanooga; Dollywood in Pigeon Forge; Ripley's Aquarium of the Smokies and Ober Gatlinburg in Gatlinburg; the Parthenon, the Country Music Hall of Fame and Museum, and Ryman Auditorium in Nashville; the Jack Daniel's Distillery in Lynchburg; Elvis Presley's Graceland residence and tomb, the Memphis Zoo, the National Civil Rights Museum in Memphis; and Bristol Motor Speedway in Bristol.

Source

Vehicle insurance (also known as car insurance, motor insurance, or auto insurance) is insurance for cars, trucks, motorcycles, and other road vehicles. Its primary use is to provide financial protection against physical damage or bodily injury resulting from traffic collisions and against liability that could also arise from incidents in a vehicle. Vehicle insurance may additionally offer financial protection against theft of the vehicle, and against damage to the vehicle sustained from events other than traffic collisions, such as keying, weather or natural disasters, and damage sustained by colliding with stationary objects. The specific terms of vehicle insurance vary with legal regulations in each region.

Source

Products & Services: direct auto, pay for damage, medical payments, collision insurance, affordable car insurance, auto insurance discounts, compare car insurance quotes, uninsured motorist, term life, personal loan, home insurance, bundle and save, workers compensation, driver discount, insurance quotes online, motorcycle insurance, auto repair, save on auto, term life insurance, insurance option, payment plans, credit card, questions about car insurance, insurance requirements, speeding ticket, car insurance quotes, vehicle insured, travel insurance, identity theft, property damage, auto coverage, auto insurance coverages, mobile home, car insurance rates, teen drivers, accident medical, commercial auto insurance, saved quote, auto insurance quotes, car insurance companies, auto insurance, classic car insurance, automobile insurance, business owners, money market, liability coverages, mutual insurance company, insurance agency, mexico auto insurance, commercial auto, rideshare insurance, injury protects, mutual funds, personal information, accident forgiveness, renters insurance, savings on auto, comparing car insurance rate, car insurance coverages, coverage car insurance, collision coverage, claims center, bank account, uninsuredunderinsured motorist, liability coverage, roadside assistance, compare car insurance, insurance coverage, car insurance, insurance rates, mutual insurance,life insurance, safe driving, driving history, coverage options, insurance products, compare auto, id cards, atfault accident, personal loans, quote online, insurance quotes, insurance discounts, collision coverages, local agents, bodily injuries, property insurance, rv insurance, insurance company, car insurers, liability insurance, mexico auto, credit score, classic cars, compare auto insurance quotes, uninsured motorist coverage, save money, golf cart, motorist coverage, bodily injury liability, retirement planning, professional liability, roth ira, rental reimbursement, user id, comprehensive insurance, life events, drive safe, specialty liability, auto insurance requirements, compare auto insurance, financial institutions, homeowners insurance

Tags: auto insurance quotes Tennessee, car insurance rates Tennessee, insurance coverage Tennessee, insurance rates Tennessee, car insurance quotes Tennessee, insurance quotes Tennessee, auto insurance Tennessee, car insurers Tennessee, cheap car insurance Tennessee, car insurance coverages Tennessee, commercial auto Tennessee, roadside assistance Tennessee, car insurance Tennessee, compare car insurance Tennessee, insurance company Tennessee, insurance quoting Tennessee

Adams TN, Adamsville TN, Alamo TN, Alcoa TN, Alexandria TN, Algood TN, Allardt TN, Altamont TN, Andersonville TN, Apison TN, Ardmore TN, Arlington TN, Ashland TN, Athens TN, Atoka TN, Atwood TN, Auburntown TN, Baileyton TN, Baneberry TN, Banner Hill TN, Bartlett TN, Baxter TN, Bean Station TN, Beersheba Springs TN, Bell Buckle TN, Belle Meade TN, Bells TN, Benton TN, Berry Hill TN, Bethel Springs TN, Bethpage TN, Big Sandy TN, Blaine TN, Bloomingdale TN, Blountville TN, Bluff City TN, Bolivar TN, Bon Aqua Junction TN, Bowman TN, Braden TN, Bradford TN, Bransford TN, Brentwood TN, Brighton TN, Bristol TN, Brownsville TN, Bruceton TN, Bulls Gap TN, Burlison TN, Burns TN, Byrdstown TN, Calhoun TN, Camden TN, Carthage TN, Caryville TN, Castalian Springs TN, Cedar Hill TN, Celina TN, Centertown TN, Centerville TN, Central TN, Chapel Hill TN, Charleston TN, Charlotte TN, Chattanooga TN, Chesterfield TN, Christiana TN, Church Hill TN, Clarkrange TN, Clarksburg TN, Clarksville TN, Cleveland TN, Clifton TN, Clinton TN, Coalfield TN, Coalmont TN, Collegedale TN, Collierville TN, Collinwood TN, Colonial Heights TN, Columbia TN, Cookeville TN, Coopertown TN, Copperhill TN, Cornersville TN, Cottage Grove TN, Cottontown TN, Covington TN, Cowan TN, Crab Orchard TN, Cross Plains TN, Crossville TN, Crump TN, Cumberland Gap TN, Dandridge TN, Darden TN, Dayton TN, Decatur TN, Decaturville TN, Decherd TN, Dickson TN, Dodson Branch TN, Dover TN, Dowelltown TN, Doyle TN, Dresden TN, Ducktown TN, Dunlap TN, Dyer TN, Dyersburg TN, Eagleville TN, East Cleveland TN, East Ridge TN, Eastview TN, Elgin TN, Elizabethton TN, Elkton TN, Englewood TN, Enville TN, Erin TN, Erwin TN, Estill Springs TN, Ethridge TN, Etowah TN, Eva TN, Fairfield TN, Fairfield Glade TN, Fairmount TN, Fairview TN, Fall Branch TN, Falling Water TN, Farragut TN, Fayetteville TN, Fincastle TN, Finger TN, Flat Top Mountain TN, Flintville TN, Forest Hills TN, Franklin TN, Friendship TN, Friendsville TN, Gadsden TN, Gainesboro TN, Gallatin TN, Gallaway TN, Garland TN, Gates TN, Gatlinburg TN, Germantown TN, Gibson TN, Gilt Edge TN, Gleason TN, Goodlettsville TN, Gordonsville TN, Graball TN, Grand Junction TN, Gray TN, Graysville TN, Green Hill TN, Greenback TN, Greenbrier TN, Greeneville TN, Greenfield TN, Grimsley TN, Gruetli-Laager TN, Guys TN, Halls TN, Harriman TN, Harrison TN, Harrogate TN, Helenwood TN, Henderson TN, Hendersonville TN, Henning TN, Henry TN, Hillsboro TN, Hohenwald TN, Hollow Rock TN, Hopewell TN, Hornbeak TN, Hornsby TN, Humboldt TN, Hunter TN, Huntingdon TN, Huntland TN, Huntsville TN, Jacksboro TN, Jackson TN, Jamestown TN, Jasper TN, Jefferson City TN, Jellico TN, Johnson City TN, Jonesborough TN, Kenton TN, Kimball TN, Kingsport TN, Kingston TN, Kingston Springs TN, Knoxville TN, La Grange TN, La Vergne TN, Lafayette TN, Lake Tansi TN, Lakeland TN, Lakesite TN, Lakewood Park TN, Lawrenceburg TN, Lebanon TN, Lenoir City TN, Lewisburg TN, Lexington TN, Liberty TN, Linden TN, Livingston TN, Lobelville TN, Lone Oak TN, Lookout Mountain TN, Loretto TN, Loudon TN, Louisville TN, Luttrell TN, Lyles TN, Lynchburg TN, Lynnville TN, Madisonville TN, Manchester TN, Martin TN, Maryville TN, Mascot TN, Mason TN, Maynardville TN, McEwen TN, McKenzie TN, McLemoresville TN, McMinnville TN, Medina TN, Medon TN, Memphis TN, Michie TN, Middle Valley TN, Middleton TN, Midtown TN, Milan TN, Milledgeville TN, Millersville TN, Millington TN, Minor Hill TN, Mitchellville TN, Monteagle TN, Monterey TN, Mooresburg TN, Morrison TN, Morristown TN, Moscow TN, Mosheim TN, Mount Carmel TN, Mount Juliet TN, Mount Pleasant TN, Mowbray Mountain TN, Munford TN, Murfreesboro TN, New Deal TN, New Hope TN, New Johnsonville TN, New Market TN, New Tazewell TN, New Union TN, Newbern TN, Newport TN, Niota TN, Nolensville TN, Normandy TN, Norris TN, Oak Grove TN, Oak Hill TN, Oak Ridge TN, Oakdale TN, Oakland TN, Obion TN, Oliver Springs TN, Olivet TN, Oneida TN, Orlinda TN, Orme TN, Palmer TN, Paris TN, Parrottsville TN, Parsons TN, Pegram TN, Pelham TN, Petersburg TN, Petros TN, Philadelphia TN, Pigeon Forge TN, Pikeville TN, Pine Crest TN, Piperton TN, Pittman Center TN, Plainview TN, Pleasant Hill TN, Pleasant view TN, Portland TN, Powells Crossroads TN, Pulaski TN, Puryear TN, Ramer TN, Red Bank TN, Red Boiling Springs TN, Riceville TN, Ridgely TN, Ridgeside TN, Ridgetop TN, Ripley TN, Rives TN, Roan Mountain TN, Robbins TN, Rockford TN, Rockvale TN, Rockwood TN, Rogersville TN, Rossville TN, Rural Hill TN, Rutherford TN, Rutledge TN, Saint Joseph TN, Sale Creek TN, Saltillo TN, Samburg TN, Sardis TN, Saulsbury TN, Savannah TN, Scotts Hill TN, Selmer TN, Sevierville TN, Sewanee TN, Seymour TN, Shackle Island TN, Sharon TN, Shelbyville TN, Signal Mountain TN, Silerton TN, Slayden TN, Smithville TN, Smyrna TN, Sneedville TN, Soddy-Daisy TN, Somerville TN, South Carthage TN, South Cleveland TN, South Fulton TN, South Pittsburg TN, Sparta TN, Spencer TN, Spring Hill TN, Springfield TN, Spurgeon TN, Stanton TN, Stantonville TN, Summertown TN, Sunbright TN, Surgoinsville TN, Sweetwater TN, Tazewell TN, Telford TN, Tellico Plains TN, Tennessee Ridge TN, Thompson's Station TN, Three Way TN, Tiptonville TN, Toone TN, Townsend TN, Trenton TN, Trezevant TN, Trimble TN, Troy TN, Tullahoma TN, Tusculum TN, Unicoi TN, Union City TN, Unionville TN, Vanleer TN, Viola TN, Vonore TN, Walden TN, Walland TN, Walnut Grove TN, Walnut Hill TN, Walterhill TN, Wartburg TN, Wartrace TN, Watauga TN, Watertown TN, Waverly TN, Waynesboro TN, Westmoreland TN, White Bluff TN, White House TN, White Pine TN, Whiteville TN, Whitwell TN, Wildwood TN, Wildwood Lake TN, Williston TN, Winchester TN, Winfield TN, Woodbury TN, Woodland Mills TN, Wrigley TN, Yorkville TN
How Insureist™ Works For You
Get A Quote
1. Get A Quote
Discover the facts you need transparently and confidentiality.
Save When You Buy
2. Save When You Buy
Get clear answers so you know you made the right decision.
Sit Back & Relax
3. Sit Back & Relax
You'll get a dedicated agent that will work hard so you don't have to.
Save Money With Insureist™ - Its 100% Free
Its Time To Put Money Back In Your Pocket
Get Your Auto Insurance Quote Now
Copyright © 2021. All Rights Reserved.
linkedin facebook pinterest youtube rss twitter instagram facebook-blank rss-blank linkedin-blank pinterest youtube twitter instagram