Cheap Car Insurance in Tennessee: Car insurance in Tennessee is essential for protecting drivers against accidents, damages, and liabilities.
Finding cheap car insurance in Tennessee can save you money while ensuring you’re covered. By getting affordable insurance with free quotes, drivers can compare rates and find the best coverage tailored to their needs without breaking the bank.
Why You Need Car Insurance in Tennessee
Car insurance in Tennessee isn’t just an option—it’s a legal requirement for anyone driving on the state’s roads. Tennessee mandates that all drivers carry liability insurance to cover any potential damage or injury they may cause in an accident. The state has set minimum liability coverage limits as follows:
- $25,000 for injury or death of one person
- $50,000 for injury or death of two or more people
- $15,000 for property damage
These requirements ensure that you can cover basic expenses in the event of an accident, protecting both you and other drivers from financial loss.
What Happens If You Don’t Have Car Insurance in Tennessee?
If you’re caught driving without car insurance in Tennessee, the consequences can be severe. First, you could face fines of up to $300 and risk having your vehicle registration and driver’s license suspended. Reinstating them will also incur additional fees. More critically, if you’re involved in an accident without insurance, you could be held financially responsible for all damages—leading to potential lawsuits and severe financial hardship.
Moreover, Tennessee operates under the Tennessee Financial Responsibility Law, meaning that if you cause an accident without insurance, you might be required to post a bond or deposit cash equivalent to the amount of damages. In some cases, your ability to drive legally may be revoked until you meet these financial obligations.
Having car insurance not only keeps you compliant with state law but also safeguards you from financial and legal troubles.
Top Factors Affecting Your Car Insurance Premiums in Tennessee
When it comes to determining your car insurance rates in Tennessee, several factors come into play. These factors can either raise or lower your premiums, making it important to understand what influences the cost. If you’re looking for cheap car insurance in Tennessee, being aware of these factors can help you find the best deal.
1. Driving Record
Your driving history is one of the biggest factors affecting your car insurance premium. If you have a clean driving record with no accidents or traffic violations, you are likely to pay less. However, if you’ve been involved in accidents or received speeding tickets, your insurance rates can increase significantly.
2. Age and Experience
Young and inexperienced drivers often face higher insurance rates. Statistically, they are more likely to be involved in accidents, which makes insurers consider them a higher risk. In contrast, older, more experienced drivers typically enjoy lower premiums.
3. Type of Vehicle
The make and model of your car can also affect your insurance rate. Expensive or high-performance cars usually cost more to insure because they are more costly to repair or replace. On the other hand, if you drive a safer, more affordable vehicle, you may find cheaper car insurance in Tennessee.
4. Location
Where you live in Tennessee can also play a role in determining your insurance premium. Urban areas with higher rates of traffic and theft often result in higher premiums. If you reside in a rural or less populated area, you might pay less for your coverage.
5. Credit Score
In Tennessee, many insurers consider your credit score when calculating your car insurance premium. A higher credit score can signal financial responsibility, leading to lower rates. Conversely, a poor credit score can result in higher premiums.
6. Coverage and Deductibles
The type of coverage you choose and the amount of your deductible will impact your car insurance rates. Opting for minimum coverage may lower your premiums, but it could leave you underinsured in case of an accident. Higher deductibles typically mean lower premiums, but you’ll have to pay more out-of-pocket in the event of a claim.
By understanding these factors, you can better navigate the insurance market and potentially secure cheap car insurance in Tennessee. Remember, each driver’s situation is unique, so comparing multiple quotes is essential to finding the best rate that fits your needs.
How to Find Cheap Car Insurance in Tennessee
Finding cheap car insurance in Tennessee requires knowing where to look and what to consider. Here’s a guide to help you compare different insurers and get the best rates.
1. Compare Quotes from Multiple Providers
The first step to finding cheap car insurance in Tennessee is to compare quotes from different insurance providers. Prices can vary significantly depending on the insurer, your driving record, and other factors. Using online comparison tools can help you see the best deals in one place.
For example, platforms like The Zebra or NerdWallet allow you to compare multiple car insurance quotes within minutes. This can save you both time and money.
2. Look for Discounts
Many insurance companies offer discounts that could reduce your premium. Some common discounts include good driver discounts, bundling home and auto insurance, or even discounts for taking a defensive driving course. Be sure to ask insurers about available discounts when comparing.
3. Adjust Your Coverage
Tennessee requires minimum liability coverage, but you may be paying for coverage you don’t need. Consider adjusting your coverage to match your current needs. Dropping unnecessary extras like roadside assistance or rental car coverage can reduce your premium without sacrificing important protection.
4. Consider Raising Your Deductible
Increasing your deductible is another way to lower your monthly premium. While this means you’ll pay more out of pocket in the event of a claim, it could be a smart move if you’re confident in your driving skills and want lower payments.
5. Maintain a Clean Driving Record
Insurers reward safe drivers with lower rates. By maintaining a clean driving record, you’ll likely qualify for cheaper insurance. Even one speeding ticket can raise your rates, so follow traffic laws carefully.
5 Simple Steps to Getting Affordable Car Insurance in Tennessee
- Use Comparison Tools: Start by using car insurance comparison tools like Compare.com to get a wide range of quotes quickly.
- Apply for Discounts: Ask about any discounts for safe driving, bundling policies, or being a student.
- Adjust Coverage: Make sure your policy only includes coverage you need.
- Increase Deductible: Opt for a higher deductible to lower your premium.
- Keep a Clean Record: Avoid traffic violations to qualify for lower rates over time.
By following these steps and regularly reviewing your policy, you’ll be able to secure the cheap car insurance in Tennessee that meets your needs while staying within your budget.
Top 5 Car Insurance Companies Offering Cheap Rates in Tennessee
If you’re looking for affordable car insurance in Tennessee, here are the top five providers offering competitive rates. These companies are known for their budget-friendly options and solid customer satisfaction.
1. GEICO
- Average Rate: $935 per year
- Customer Rating: 4.7/5
- Overview: GEICO is a popular choice in Tennessee for its low rates and great customer service. Many drivers appreciate the ease of managing their policies through GEICO’s online platform.
- Customer Review: “Great service and affordable rates! The mobile app makes everything easy to handle.” – Sarah R., Nashville
- Get a Free Quote: GEICO Website
2. State Farm
- Average Rate: $995 per year
- Customer Rating: 4.6/5
- Overview: State Farm offers affordable coverage with a reputation for reliability. Their large network of agents across Tennessee ensures you’ll get personalized support.
- Customer Review: “I love that I can speak to a local agent anytime. Plus, their prices are unbeatable.” – James T., Memphis
- Get a Free Quote: State Farm Website
3. USAA (For Military Families)
- Average Rate: $920 per year
- Customer Rating: 4.9/5
- Overview: USAA offers incredibly low rates for military members and their families. With high customer satisfaction, USAA provides excellent coverage options for those eligible.
- Customer Review: “As a military family, USAA has always been the best choice for us. The rates are amazing, and the customer service is top-notch.” – Lisa M., Clarksville
- Get a Free Quote: USAA Website
4. Progressive
- Average Rate: $1,050 per year
- Customer Rating: 4.5/5
- Overview: Progressive is known for its affordable rates and discounts, particularly for safe drivers. Their “Name Your Price” tool makes it easy to find a policy within your budget.
- Customer Review: “I saved a lot with Progressive thanks to their great discounts and flexible pricing options.” – Kevin H., Chattanooga
- Get a Free Quote: Progressive Website
5. Farm Bureau Insurance of Tennessee
- Average Rate: $1,020 per year
- Customer Rating: 4.6/5
- Overview: This local provider offers competitive rates tailored to Tennesseans. Farm Bureau stands out for its strong local presence and customer care.
- Customer Review: “Farm Bureau offers personal service and great rates. I’ve been with them for years, and I wouldn’t switch.” – Mary W., Knoxville
- Get a Free Quote: Farm Bureau Insurance Website
These companies offer some of the best rates in Tennessee while maintaining strong reputations for customer satisfaction. You can visit their websites for free quotes to find the best deal for your needs.
Cheap liability insurance in Tennessee
Liability insurance is sometimes referred to as state minimum coverage— it describes the lowest amount of coverage you can carry while still complying with state laws. Becacuse of this, it is the cheapest car insurance you will find.
The average 6-month premium for liability insurance in Tennessee is $300. 46% of Tennessee drivers carry liability-only coverage. The following table displays car insurance quotes in Tennessee for liability insurance.
Liability insurance quotes in TN
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Tennessee Farmers | $177 | $29 |
| USAA | $211 | $35 |
| Travelers | $212 | $35 |
| GEICO | $247 | $41 |
| Progressive | $325 | $54 |
| State Farm | $329 | $55 |
| Allstate | $408 | $68 |
Cheap full coverage insurance in Tennessee
If you opt for better coverage, you can choose a policy with comprehensive and collision, which will protect against the costs of car accidents, theft, vandalism, or weather incidents. But better coverage comes with a cost: the average premium for full coverage insurance in Tennessee is $1000 for a 6-month policy. According to our data, 54% of Zebra customers in Tennessee choose full coverage insurance.
The following displays monthly and 6-month rates from the top insurance providers in Tennessee with full coverage.
Full coverage quotes in TN
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $622 | $104 |
| USAA | $726 | $121 |
| Tennessee Farmers | $729 | $121 |
| GEICO | $877 | $146 |
| Nationwide | $1,157 | $193 |
| State Farm | $1,205 | $201 |
| Progressive | $1,343 | $224 |
Best car insurance companies in Tennessee— honorable mentions
Farm Bureau Insurance of Tennessee is our top pick, but there are many other reputable insurance companies we would recommend for Tennessee drivers. The following companies were chosen based on JD Power scores in the region, cost, and The Zebra’s Customer Satisfaction Survey.
Best car insurance companies in TN
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Auto-Owners | $745 | $124 |
| Erie | $846 | $141 |
| Westfield | $876 | $146 |
Car insurance in popular Tennessee cities
Car insurance is priced by ZIP code, so where you live in Tennessee has a significant impact on rates. Typically, cities with higher population densities see more expensive average rates. Auto insurance quotes in Tennessee’s biggest cities
| City | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Memphis | $1,300 | $217 |
| Nashville | $1,033 | $172 |
| Clarksville | $992 | $165 |
| Chattanooga | $978 | $163 |
| Knoxville | $970 | $162 |
Car insurance price trends in Tennessee
The average cost of car insurance in Tennessee has experienced a steady rise since 2020. Following the initial impacts of the pandemic, premiums hovered around $1,300 per year in 2020 and 2021. However, 2022 brought a notable surge in rates, reflecting broader national trends. Costs across companies have stayed at elevated levels since, which is consistent with the U.S. national averages over the last three years.
Rising costs are due to inflation, increases in medical and repair costs, and more frequent car accidents due to a high concentration of motorists on the road. Tennessee car insurance rate trends since 2015
| Year | Avg. Annual Premium — Tennessee | Yearly Change — Tennessee |
|---|---|---|
| 2024 | $1,668 | $175 |
| 2023 | $1,493 | -$25 |
| 2022 | $1,518 | $256 |
| 2021 | $1,262 | $4 |
| 2020 | $1,258 | -$76 |
| 2019 | $1,334 | -$172 |
| 2018 | $1,506 | $190 |
| 2017 | $1,316 | $144 |
| 2016 | $1,172 | $76 |
| 2015 | $1,096 | $137 |
Tennessee auto insurance quotes after an accident or ticket
Your driving history plays a big part in how much you pay. Insurance companies look for previous accidents for which you have been at fault to gauge the level of risk you pose as a customer. An at-fault accident in recent years could see your car insurance rates increase by as much as 41% per year.
Best insurance companies in TN after at-fault accident
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Tennessee Farmers | $729 | $121 |
| Travelers | $853 | $142 |
| USAA | $1,039 | $173 |
| GEICO | $1,414 | $236 |
| State Farm | $1,455 | $243 |
| Allstate | $2,056 | $343 |
| Progressive | $2,086 | $348 |
Zebra Tip: Don’t forget about claims satisfaction
While we all hope to never use our insurance, having a smooth experience when needed is essential. In our 2024 Customer Satisfaction Survey, we measured the satisfaction of those who filed claims. Erie and USAA stood out, making each a strong contender for residents of Tennessee.
Any number of violations on your driving record will cause your insurance premiums to skyrocket. This is because your insurance company now sees you as more of a liability, even if the accident wasn’t your fault. The more serious the infraction, the higher the rate hike you will see.
Check out the table below for average rate increases by violation type.
Tennessee auto insurance quotes by violation
| Accident/Violation | Avg. Annual Premium | $ Rate Increase |
|---|---|---|
| None | $1,999 | $0 |
| Not-at-fault accident | $2,017 | $18 |
| One Med/PIP claim | $2,030 | $31 |
| One comp claim | $2,048 | $49 |
| Two Med/PIP claims | $2,072 | $73 |
| Two comp claims | $2,081 | $82 |
| Failure to wear a seat belt | $2,302 | $303 |
| Failure to show documents | $2,344 | $345 |
| Child safety restraint | $2,350 | $351 |
| Driving without lights | $2,350 | $351 |
| Speeding 6 – 10 MPH over limit | $2,386 | $387 |
| Driving with expired registration | $2,388 | $389 |
| Cell phone violation | $2,390 | $391 |
| Driving too slowly | $2,394 | $395 |
| Speeding in school zone | $2,394 | $395 |
| Speeding 11 – 15 MPH over limit | $2,404 | $405 |
| Texting while driving | $2,406 | $407 |
| Speeding 16 – 20 MPH over limit | $2,413 | $414 |
| Failure to yield | $2,415 | $416 |
| Following too closely | $2,415 | $416 |
| Illegal turn | $2,417 | $418 |
| Wrong way/wrong lane | $2,434 | $435 |
| Improper passing | $2,437 | $438 |
| Failure to stop at a red light | $2,442 | $443 |
| In 65 MPH zone | $2,480 | $481 |
| Speeding 21 – 25 MPH over limit | $2,539 | $540 |
| At-fault accident – less than $1000 | $2,577 | $578 |
| Passing school bus | $2,585 | $586 |
| Operating a vehicle without permission | $2,739 | $740 |
| Open container | $2,764 | $765 |
| At-fault accident – $1000-$2000 | $2,977 | $978 |
| At-fault accident – greater than $2000 | $2,977 | $978 |
| Reckless driving | $3,755 | $1,756 |
| Racing | $3,765 | $1,765 |
| Driving with a suspended license | $3,865 | $1,866 |
| Refusal to submit to a chemical test | $3,935 | $1,936 |
| Leaving scene of an accident/hit and run | $4,002 | $2,003 |
| DUI | $4,004 | $2,005 |
Cheap auto insurance for teens and young drivers in Tennessee
Young drivers — aged between 16 and 25 — pay very high car insurance rates, with those aged 16 to 19 paying the most expensive premiums of all. Because of the risk presented by inexperienced drivers, teen drivers pay more than three times the national average for car insurance. In Tennessee, teen drivers pay especially high rates: $6,652 per year — 233% more than a typical Tennessee driver.
Tennessee car insurance for teens
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $1,759 | $293 |
| Tennessee Farmers | $2,215 | $369 |
| USAA | $2,350 | $392 |
| GEICO | $2,715 | $452 |
| State Farm | $4,144 | $691 |
| Allstate | $4,283 | $714 |
| Progressive | $6,093 | $1,015 |
How to Get a Free Quote for Cheap Car Insurance in Tennessee
Finding affordable car insurance in Tennessee can be easier than you think, especially when you can request free quotes online. Here’s a simple step-by-step guide to help you get a free quote and compare insurance options.
Step-by-Step Guide to Requesting Free Quotes Online
1. Choose Your Insurance Provider – Start by selecting well-known insurance companies that offer free quotes, such as Geico, State Farm, and Progressive. These companies make it easy to get a quote directly from their websites.
2. Enter Your Vehicle and Personal Information – Most insurance providers will ask for basic details like your car’s make, model, and year, as well as personal information such as your driving history, age, and address.
3. Compare Quotes – Once you’ve submitted your information, you’ll receive multiple quotes from different providers. Take your time to compare the coverage options and prices.
4. Customize Your Coverage – Adjust coverage levels to suit your needs. You can change deductibles, add coverage options, or opt for minimum coverage to see how it affects the price.
5. Finalize Your Choice – After comparing the quotes and finding a plan that fits your budget, you can proceed with the provider of your choice.
Insurance Providers Offering Free Quote Services
Several companies provide free, no-obligation car insurance quotes online:
- Geico – Known for its affordable rates and easy-to-use website, you can request a free quote from Geico in just a few minutes.
- State Farm – A popular provider in Tennessee, get a free State Farm quote.
- Progressive – Offering competitive rates, you can get a free Progressive quote and customize your coverage easily.
Request a Free Quote for Cheap Car Insurance in Tennessee Today
Ready to save money on car insurance? Take a few minutes to compare quotes and find the best deal. Get a free quote from Geico, State Farm, or Progressive today and secure cheap car insurance in Tennessee!
Discounts to Lower Your Car Insurance in Tennessee
Car insurance in Tennessee can be costly, but many companies offer discounts to help lower your premiums. Here are some of the most common discounts you can take advantage of to save on your car insurance:
1. Safe Driver Discount
If you have a clean driving record with no accidents or traffic violations, you can qualify for a safe driver discount. Insurance companies reward responsible driving with lower rates, making it one of the most significant savings opportunities.
2. Multi-Car Discount
If your household has more than one vehicle, you can bundle them under the same policy to receive a multi-car discount. This is a great way to reduce the cost of insuring multiple cars, as insurers offer lower rates for customers who insure more than one vehicle.
3. Bundling Discount
Many insurance providers offer discounts if you bundle multiple types of insurance, such as home and auto insurance, under the same company. By combining policies, you can unlock a lower premium across the board.
4. Good Student Discount
For young drivers, maintaining good grades in school can lead to a good student discount. Insurance companies see students with high academic performance as lower risk, and this discount can significantly reduce the cost of a policy for younger drivers.
5. Pay-in-Full Discount
Some insurers offer a discount if you pay your entire policy upfront, rather than in monthly installments. This one-time payment option can help you save money by avoiding interest or extra fees associated with monthly payments.
6. Vehicle Safety Features Discount
Cars equipped with modern safety features, such as anti-lock brakes, airbags, and electronic stability control, often qualify for discounts. Insurers reduce rates for vehicles with these features because they lower the risk of injury or damage.
Take Advantage of These Discounts to Get Cheaper Car Insurance in Tennessee
By taking advantage of these discounts, you can significantly reduce your car insurance premium in Tennessee. Make sure to ask your insurance provider about available discounts to maximize your savings. Whether you’re a safe driver, have multiple vehicles, or bundle your policies, there are many ways to cut down on the cost of car insurance.
FAQs About Cheap Car Insurance in Tennessee
1. How can I find cheap car insurance in Tennessee?
To find affordable car insurance in Tennessee, start by comparing quotes from multiple providers. Use online comparison tools to see different rates side by side. Also, ask about discounts for safe driving, bundling policies, and good student discounts if applicable.
2. What is the minimum car insurance requirement in Tennessee?
In Tennessee, the minimum car insurance requirement includes $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage. Make sure your policy meets these limits to stay compliant with the law.
3. Can I lower my car insurance premium?
Yes, there are ways to reduce your car insurance premium in Tennessee. Some options include maintaining a clean driving record, increasing your deductible, and taking advantage of available discounts. Installing safety features like anti-theft devices or completing a defensive driving course may also lower your premium.
4. What happens if I drive without car insurance in Tennessee?
Driving without insurance in Tennessee can result in serious penalties. If you’re caught, you could face fines, license suspension, and even higher insurance rates in the future. It’s essential to carry at least the minimum required coverage to avoid these consequences.
5. Does Tennessee offer insurance for high-risk drivers?
Yes, if you’re considered a high-risk driver due to accidents or traffic violations, you may still qualify for insurance through the Tennessee Automobile Insurance Plan (TAIP). Although more expensive, it provides coverage for those who can’t find insurance through standard providers.
6. What factors affect car insurance rates in Tennessee?
Car insurance rates in Tennessee depend on various factors like your age, driving history, vehicle type, and location. For example, urban areas may have higher rates due to more traffic and a higher chance of accidents, while rural areas typically see lower premiums.
7. Is it possible to get full coverage for less in Tennessee?
Yes, by shopping around and looking for discounts, you can find full coverage at competitive rates. Consider raising your deductible to lower your monthly premium, but remember that you’ll pay more out of pocket in the event of a claim.
8. How can young drivers get cheaper car insurance in Tennessee?
Young drivers can get cheaper car insurance by maintaining good grades, completing a driver’s education course, or being added to a parent’s policy. Additionally, many insurance companies offer discounts for young drivers who maintain a clean driving record.
Conclusion
Finding cheap car insurance in Tennessee doesn’t have to be difficult. By understanding the state’s minimum requirements and exploring different providers, you can secure coverage that meets your needs without breaking the bank. Comparing quotes from multiple insurers helps you find the best rates, taking into account factors like your driving history, vehicle type, and location.
To make it easier, request free quotes from the providers listed above. This allows you to see which company offers the best deal tailored to your situation.
Get your free quote today and start saving on car insurance!
References
To ensure the information provided on cheap car insurance in Tennessee is accurate and reliable, here are some reputable sources for further reading and validation:
- Insurance Information Institute (III) – A great source for understanding car insurance policies, coverage options, and factors affecting premiums nationwide. Visit Insurance Information Institute
- National Association of Insurance Commissioners (NAIC) – This platform provides state-specific insurance data and tools for consumers to compare insurance rates. Visit NAIC
- NerdWallet’s Guide to Car Insurance in Tennessee – This guide breaks down average insurance costs in Tennessee and how to find affordable coverage. Read NerdWallet’s Guide
- Tennessee Department of Commerce & Insurance – This is the official state department that regulates insurance companies. You can explore their site for more on Tennessee’s insurance requirements. Visit Tennessee Department of Commerce & Insurance
- Tennessee’s Minimum Insurance Requirements – This article from the DMV outlines the legal minimum coverage requirements in Tennessee. Learn More About Tennessee’s Insurance Requirements
These links will provide in-depth knowledge to help make informed decisions about choosing affordable car insurance in Tennessee.
