Cheap Auto Insurance Quotes in Tennessee

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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.

 

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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.

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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

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