Cheap Car Insurance in Tennessee (With Quotes, May 2022)

Music and mountains. What more can you ask for from the state of Tennessee? How about this? Cheap car insurance. It leaves room in the budget for concert tickets and drinks at the blues bar. Tennessee car insurance costs on average $181 per month—fairly close to the national average. So cheap car insurance is no pipe dream. It only takes a little effort.

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Getting the best rates in Tennessee comes down to your willingness to hunt for as many car insurance quotes as you can obtain. And this list of insurance providers is a great place to start. They’re the companies that provide the cheapest car insurance quotes on average in the state of Tennessee. Take a look:

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Cheapest Liability Auto Insurance in Tennessee

A liability-only auto insurance policy includes bodily injury liability for medical bills you owe to someone in an at-fault accident and property damage liability to repair or replace cars or buildings or other property damage. Be aware: your car and medical payments aren’t insured on this policy. These companies have cheap rates for liability insurance:

Cheapest Full-Coverage Auto Insurance in Tennessee

A full-coverage car insurance policy gives you major benefits over liability coverage. You’ll have collision coverage, which insures your car and medical expenses no matter who is at fault in an accident, and comprehensive coverage, which reimburses damage to your car from other perils. These companies have cheap full-coverage policies in Tennessee:

Cheap auto insurance rates are essential. But they’re not the only factor you should consider when you pick a car insurance company. You need insurance coverage from a company with strong ratings for financial stability and customer satisfaction—and that’s what the ICS is designed to measure. In this table, you can compare cost and service together:

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Insurify Composite Score

The Insurify Composite Score is a proprietary rating calculated by a team of data scientists at Insurify, weighing multiple factors that reflect the quality, reliability, and health of an insurance company.

Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.

Affordable car insurance is harder to find if your driving history from the last five years contains citations like speeding tickets, DUIs, and/or at-fault accidents. Even though these challenges can be overcome (it’s all about finding the right company for you), Tennessee drivers with clean driving records will be quoted lower average rates and find cheap car insurance more easily.

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Cheap Car Insurance for Good Drivers in Tennessee

The cheapest rates on the insurance market tend to go to drivers with clean driving records: no accidents, DUIs, speeding tickets, or other such violations in the last three to five years. In Tennessee, it’s no different. Check out these quotes for monthly car insurance premiums for drivers with spotless driving histories, and you’ll see the benefits of safe driving habits.

Cheap Car Insurance for Drivers with DUI in Tennessee

DUIs can make your Tennessee auto insurance more expensive. But you already know that. So which companies have the best rates for DUI drivers in the state of Tennessee? This table of quotes can get you started.

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SR-22 Insurance in Tennessee

If you lose your driver’s license because of a serious violation, you may be required to obtain an SR-22 insurance policy in order to return to driving. An SR-22 proves you assume more financial responsibility than a typical car insurance policy because you’re considered high-risk. An SR-22 requirement might diminish your insurance options, but these companies can help:

Cheap Car Insurance for Drivers with an At-Fault Accident in Tennessee

With an at-fault accident on your driving record, insurance companies consider it a decent chance that you’ll get into another one. So they often charge higher insurance premiums. But with these providers, Tennessee drivers with at-fault accidents can get more optimal car insurance rates:

Cheap Car Insurance for Drivers with Speeding Tickets in Tennessee

For those with heavy feet, speeding tickets happen now and then. And in addition to the steep fines, speeding tickets can raise the premiums on your auto insurance coverage. These are the best car insurance companies for drivers with speeding tickets in the state of Tennessee. A ding or two on your driving record shouldn’t condemn you to high rates for life.

Credit history can also play into your car insurance costs. According to Insurify data, drivers in Tennessee with poor credit will pay nearly $100 more per month than drivers with excellent credit. That’s because drivers with excellent credit tend to account for fewer paid claims than drivers with a bad credit history.

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Tennessee has some of the country’s most vibrant cities and wildest backwoods. As usual, the state’s largest cities, namely Memphis and Nashville, are the most expensive for car insurance, with mountain town Johnson City sporting some of the best rates in the Volunteer State. Wherever you live, bundling with renters or homeowners insurance can help your premiums.

As in every state, teen drivers in Tennessee pay a whole lot more for car insurance than their elders. Even young drivers under 25 pay seriously high rates. Look at your age range in the table to see the average rates your cohort pays for Tennessee car insurance:

Every state has minimum insurance requirements, and Tennessee is no exception. Additionally, all drivers in Tennessee will have to visit their local DMV and may at some point need to rely on public transportation. The following sections break down minimum insurance requirements, DMV services, and public transit options in Tennessee.

Minimum Car Insurance Requirements in Tennessee

All motor vehicles operated or parked on Tennessee roadways are required to be insured. The minimum liability car insurance requirements for private passenger vehicles in Tennessee are as follows:

• $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Tennessee state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims.

Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Tennessee law.

• $15,000 per accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Tennessee is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property.

Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Tennessee DMV Information

At the Tennessee DMV, teen drivers can apply for permits and do their road tests, seasoned drivers can renew their driver’s licenses and registration on their cars, and new Tennesseeans can establish residency. Lots of services are available online and at self-service kiosks throughout the state.

Public Transportation in Tennessee

Every Tennessee county has some form of public transportation, servicing communities ranging from deep rural to dense metro.

You can get cheap car insurance from the best car insurance companies in Tennessee. It’s all about finding the best match for you. To find that match, let Insurify be your guide. In just a few minutes, you’ll get a free, personalized list of auto insurance quotes with exclusive deals and discounts. Don’t miss out!