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:
- Allstate
- Celina Insurance
- Chubb
- Cincinnati Insurance
- Direct General
- Erie
- Farmers
- GEICO
- Liberty Mutual
- MetLife
- Nationwide
- Progressive
- State Farm
- USAA
- 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.
- $25000 bodily injury coverage per person is required in Tennessee.
- $50000 bodily injury coverage per accident is required in Tennessee.
- $15000 property damage coverage per accident is required in Tennessee.
Other types of optional coverages in Tennessee are:
- Comprehensive
- Collision
- Roadside Assistance
- Loan/Lease Payoff
- Rental Car Reimbursement
- Medical Payments
- Uninsured Motorist Bodily Injury
- 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.
