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For drivers with bad credit in Tennessee, it's important that you evaluate all of your potential insurance options to ensure you are finding the best rate. Comparing the right insurance companies will allow you to get the best possible insurance rate for drivers with bad credit.
To simplify comparing companies, Insurify has analyzed rates from top insurance providers in Tennessee. The following are the best insurance rates from carriers that offer car insurance for drivers with bad credit in Tennessee.
| Carrier | |
|---|---|
 Travelers | $125/mo |
 Direct Auto | $132/mo |
 Safeco Insurance | $136/mo |
 GAINSCO | $140/mo |
 Elephant.com | $148/mo |
 SafeAuto | $150/mo |
 Dairyland Insurance | $153/mo |
 Midvale Home & Auto | $159/mo |
 American Family Insurance | $160/mo |
 Bristol West | $163/mo |
Tennessee sports a simple motto: "Agriculture and Commerce." In other words, the state has a bustling economy, which means its residents have places to be. But if you're a driver in Tennessee with bad credit, are you bound to pay higher car insurance prices?
As a state that uses credit-based insurance scores, those with less-than-perfect credit scores are probably going to have to pay a bit more for car insurance. But don't worry: credit is only one of many factors that go into determining your score. And if you work on improving your score, you could eventually find affordable car insurance rates.
Insurify's comparison tool will help you make sure you're getting the best possible quote even with a bad credit rating. You can have peace of mind you're not paying any more than need to, and customers save $48 per month on average.
Whether you're in a bit of debt or you've paid some bills late, low credit is a reality for millions of Americans. And if you're a driver in Tennessee with a low credit score, you'll pay on average about 7.5 percent more for car insurance than drivers with good credit.
Thankfully, Tennessee's average car insurance rates are lower than in most other states. So while adding $13 more to your car insurance bill each month is far from ideal, you'll still be paying a fairly reasonable $186 per month on average if you're a driver with a low credit score.
In Tennessee, car insurance companies are allowed to look at your credit history before determining your car insurance rate. So you'll probably undergo a credit check as you shop for car insurance in Tennessee.
But Tennessee drivers with bad credit still have options. You might be able to find a smaller regional car insurance carrier that caters their policies to bad-credit drivers. Meanwhile, some larger insurance carriers have also been known to offer more affordable prices to bad-credit drivers.
Since Tennessee uses credit-based car insurance rates, it shouldn't come as a surprise that Tennessee drivers with poor credit pay quite a bit more than drivers with excellent credit—roughly a $30 difference. Meanwhile, drivers with good or average credit pay right around $175 per month, which is only about $10 less than the premiums paid by poor-credit drivers.
| Credit Tier | |
|---|---|
| Excellent | $158 |
| Good | $175 |
| Average | $178 |
| Poor | $186 |
Tennessee features a wide array of towns and cities, from the calm and rural to the busy and urban. And the differences don't stop there. Drivers with bad credit in a major city like Memphis will pay almost twice as much for car insurance as those in the smaller city of Kingsport.
| City | Credit Tier | |
|---|---|---|
| Memphis | Poor | $251 |
| Nashville | Poor | $192 |
| Knoxville | Poor | $156 |
| Clarksville | Poor | $170 |
| Chattanooga | Poor | $174 |
| Kingsport | Poor | $130 |
Insurance prices and policies can vary significantly between companies, and a state like Tennessee draws a wide variety of choices when factoring insurance rates for drivers with bad credit.
Insurify's rate comparison tool will help you make sure you're getting the best possible quote based on your needs and location. You can have peace of mind you're not paying any more than you need to, and customers save $585 per year on average.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS 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.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
