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Cheap DUI Car Insurance in Tennessee (With Quotes)

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Courtney Roy

By: Courtney Roy

Edited by John Leach | Reviewed by licensed insurance agent, Amber Benka

Last Updated March 9, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Best DUI Insurance Companies in Tennessee (2022)

For drivers with a DUI or DWI offense 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 after this incident will allow you to get the best possible insurance rate after a DUI.

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 a DUI in Tennessee.

CarrierAvg. Monthly Cost
Liberty Mutual$108
GAINSCO$137
Bristol West$149
Elephant.com$150
Direct Auto$151
Travelers$152
Dairyland Insurance$156
Metropolitan Property and Casualty Insurance Company$176
Safeco Insurance$184
The General$199

DUI Car Insurance Costs in Tennessee

In Tennessee, a DUI or DWI offense will on average have drivers paying $342 per month and $4,104 per year for their car insurance rates.

Compared to drivers with a clean driving record, that is on average an 99% increase on car insurance rates for drivers with a DUI. So in order, to find an affordable monthly rate after a DUI, comparison tools like Insurify become essential to finding the best rate.

Avg. Monthly Cost - No Violation
$172
Avg. Monthly Cost - After DUI
$342
$170 ▴
98.84% ▴
Monthly Impact of DUI on Rates
Percent Bad DUI Impact Rates

Insurify's comparison tool will help you make sure you're getting the best possible quote even after a DUI. You can have peace of mind that you're reviewing all of your available insurance options and can confidently choose the one that is best for your situation.

How Much Does a DUI Impact Car Insurance Rates in Tennessee?

No matter what you end up spending, a common refrain is that "DUIs cost more than what you want to pay." But just how do the chips fall when it comes to car insurance?

First, the state average is $181 per month, and those with a clean record skate below that, at $172. One little mistake bites because it balloons the rate by 99 percent, to $342. When you run the numbers, you find it's an added $170 per month, or over $2,000 per year. For many people, that's all the incentive they need to never take another sip past their personal stopping point.

No Violation - Avg. Monthly Rate After DUI - Avg. Monthly Rate Average Percent Increase After DUI
$172$34298.84%

What Are the Average Car Insurance Prices After a DUI in Tennessee?

It's your unique driver profile, vehicle, and location that allow insurance companies to tailor a price to your situation. That said, for DUI drivers to be on the road legally, they're looking at a monthly average premium of $342. How does the Volunteer State compare to the rest of the country? It ranks 31st for most expensive DUI car insurance in the nation. And you might lower the rate by sticking to the state minimum coverage. If you own an older car, consider dropping comprehensive and collision coverage.

Tennessee After DUI Avg. Monthly Rate Most Expensive State for DUI (1-50)
$34231st

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How Long Is the Lookback Period for a DUI in Tennessee?

Like in many states, Tennessee law sets the lookback period to 10 years. That means another DUI within that time lets prosecutors charge you as a repeat offender. Fortunately, insurance companies stop their checks at three years, although some push it to five years.

So how can you save while you wait? In Tennessee, three best practices have made a difference for people. You should compare quotes and coverages, practice defensive driving to avoid tickets and accidents, and shop around every six months for a deal.

Tennessee DUI Penalties

As you might expect, the severity of the punishment goes up as you increase the number of DUIs and your BAC. First-time offenders face jail time of 48 hours to 11 months, a fine between $350 and $1,500, a license suspension for one year, and a possible ignition interlock device requirement. Refusing a test carries an automatic one-year license suspension.
Drivers under the age of 21 can be convicted if their BAC is.02 or higher. They face penalties that include community service, a fine of $250, and a license suspension of one year.

Top Auto Insurance Companies

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FAQs - Tennessee Car Insurance

  • There are many different factors that go into the how expensive your car insurance is. That said, some of the reasons why you could be paying so much for your insurance include: living in a state with high minimum insurance requirements, being a young or new driver, committing past traffic offenses like at-fault accidents or DUIs, and having a low credit score.

  • Auto insurance costs will vary between locations and insurance carriers, depending on the county Tennessee. Insurify analyzed the latest data for the five most populous cities in Tennessee to find you the cheapest quotes in each of these metropolitan areas.

  • The way to find the carrier with the best auto insurance ratings in Tennessee and save on your insurance premiums is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

  • During the past three years in the United States, national premium costs have risen an average of 4.5 percent annually. In states where quotes have risen, this figure has been 7.8 percent; and in those where rates have fallen, prices have decreased by approximately 6.0 percent. Individual rates by state will of course vary depending on the driver’s history and a multitude of factors.

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Methodology

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.

Courtney Roy
Courtney Roy

Content Writer at Insurify

Courtney Roy is a financial and technology writer. He creates content that makes an actionable difference in the lives of his readers by helping them understand matters of personal finance. In addition to years of experience across multiple industries, Courtney has insurance licenses, a real estate license, and a degree in electrical engineering.

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