Cheap Car Insurance in Tennessee

Cheap Car Insurance in Tennessee

It is mandatory to get car insurance in Tennessee for drivers to drive legally in the state. Different companies in Tennessee provide car insurance at different rates. According to data gathered by MyMoneyMyQuotes following are the cheap car insurance providers that offer car insurance at affordable rates in Tennessee:

Name of the Company Average annual car insurance premiums
Penn National $811
Auto-Owners $849
Utica National $986
USAA $1117
State Farm $1163
Travelers $1195
Direct General Insurance $1199
Erie $1228
Nationwide $1297
Westfield $1395
Progressive $1397
Tennessee Farmers $1548
MetLife $1576
Allied $1578
GEICO $1668
Encompass $1700
State Auto $1725
Cincinnati Insurance $1745
Safe Auto $1827
Celina Insurance $1928
Safeco $1946
Allstate $2303
Grange Mutual $2429
Metropolitan $2963

Cheap car insurance in Tennessee for good drivers 

Car insurance companies may charge high car insurance premiums from drivers in Tennessee with histories of speeding tickets, at-fault accidents, or DUI citations. Car insurance companies in Tennessee provide discounts on car insurance premiums to those who have a good driving history but discount rates vary from company to company. You can save money on a car insurance policy in Tennessee by maintaining a good driving record. Most auto insurance companies in Tennessee provide a 5-10% good driver discount to those having a good driving history without violations.

  • Drivers with no traffic ticket may save $244 on car insurance premiums in Tennessee.
  •  Drivers may save $469 on car insurance premiums if they have an accident-free record in Tennessee.
  •  By maintaining a good credit history you may save $1385 on car insurance premiums in Tennessee

Cheap car insurance for inexperienced drivers in Tennessee

Most auto insurance providers may charge high auto insurance premiums in Tennessee from young or inexperienced drivers because inexperienced drivers are riskier for auto insurance companies than experienced drivers.  Auto insurance premiums in Tennessee vary according to the age of the drivers. Some companies charge high auto insurance costs from young drivers in Tennessee. 

Age Average annual auto insurance premiums with parents Average annual auto insurance premiums for young drivers alone
16 $4058 $7930
17 $4158 $5950
18 $3837 $4953
19 $3462 $3220

Affordable auto insurance in Tennessee for high-risk drivers

Car insurance companies in Tennessee charge high auto insurance premiums from those drivers who have a bad driving history as compared to the drivers those who have no at-fault accidents, speeding tickets, or DUIs. Drivers with a good driving record in Tennessee can save money on auto insurance policies because auto insurance companies check the driving record of the past 3 to 5 years to decide the car insurance cost. Drivers with a good driving history in Tennessee may get discounts on car insurance policies.

Rating factor Average annual car insurance premium
At-Fault Accident $1769
DUI $1907
Speeding Violation $1544
Bad Credit $2685

Best car insurance companies in Tennessee

Car insurance prices in Tennessee may vary from company to company. Some companies in Tennessee charge lower car insurance premiums than others. To get the best auto insurance policy in Tennessee you should check the reputation and services of the insurance companies because finding an affordable car insurance policy is not just enough. You can find the best auto insurance company in Tennessee by comparing car insurance quotes from different car insurance providers. According to the data gathered by the MyMoneyMyQuotes following are the best car insurance providers in Tennessee:

  1. Allstate
  2. Celina Insurance
  3. Chubb
  4. Cincinnati Insurance
  5. Direct General
  6. Erie
  7. Farmers
  8. GEICO
  9. Liberty Mutual
  10. MetLife
  11. Nationwide
  12. Progressive
  13. State Farm
  14. USAA
  15. Westfield

What auto insurance coverage is mandatory to purchase for drivers in Tennessee?

The average annual cost to get the minimum required coverage in Tennessee may be around $506.  The minimum required coverage for drivers in Tennessee to drive legally in the state is:

Coverage type Coverage limit
Bodily injury coverage per person $25000
Bodily injury per accident $50000
Property damage per accident $15000

 The state minimum auto insurance requirements in Tennessee

The state minimum auto insurance coverage requirement in Tennessee is liability coverage.

  1. $25000 bodily injury coverage per person is required in Tennessee.
  2. $50000 bodily injury coverage per accident is required in Tennessee.
  3. $15000 property damage coverage per accident is required in Tennessee.

Other types of optional coverages in Tennessee are:

  1. Comprehensive
  2. Collision
  3. Roadside Assistance
  4. Loan/Lease Payoff
  5. Rental Car Reimbursement
  6. Medical Payments
  7. Uninsured Motorist Bodily Injury
  8. Uninsured Motorist Property Damage

Fine for driving without car insurance in Tennessee

If anyone caught driving without a car insurance policy in Tennessee then police may charge a fine.

Car insurance prices by cities in Tennessee

Car insurance premiums in Tennessee may vary from city to city. In some cities of Tennessee, car insurance prices are high compared to others.

City Average annual insurance premiums
Memphis $1955
Bartlett $1808
Germantown $1780
Collierville $1736
Jackson $1620
Nashville $1603
Oak Ridge $1580
Columbia $1564
Knoxville $1552
Clarksville $1544
La Vergne $1539
Spring Hill $1530
Brentwood $1512
Smyrna $1506
Maryville $1505
Murfreesboro $1490
Franklin $1487
Chattanooga $1486
Cookeville $1479
Hendersonville $1476
Gallatin $1470
Morristown $1467
Cleveland $1412
Kingsport $1355
Johnson City $1318

If you are looking for a car insurance deal in Tennessee, you can compare car insurance quotes provided for free by MyMoneyMyQuotes.com to get yourself the best possible deal.

MyMoneyMyQuotes

MyMoneyMyQuotes

Leave a Reply

Your email address will not be published. Required fields are marked *