Tennessee Car Insurance for Bad Credit Drivers

Cheapest Companies for Drivers With Bad Credit in Tennessee (2022)

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.

Bad Credit Car Insurance in Tennessee

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.

How Much Does Bad Credit Impact Car Insurance Rates in Tennessee?

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.

Can I Get Car Insurance With No Credit Check in Tennessee?

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.

Tennessee Car Insurance Rates by Credit Tier

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.

Car Insurance Rates With Bad Credit in Tennessee Cities

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.

Compare Top Auto Insurance Companies

Use Insurify for all of your car insurance comparison needs! Compare and connect directly with the top insurance companies to find the best rates as well as the most personalized discounts and coverage options. Insurify’s network includes over 200 insurance companies throughout the U.S. who can work with you to get you the right auto insurance policy at the cheapest price. See All Auto Insurance Companies