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Cheap Auto Insurance Quotes in Germantown, TN (September 2022)

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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.
Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by Licensed Insurance Agent, Amber Benka

Updated September 15, 2022

Among the 50 most populated cities in Tennessee, Germantown was rated number one for driving in a recent study. What makes this city so great when it comes to driving? Germantown features rare highway traffic, slower speed limits throughout the area, and a population of only 39,000. Even with these ideal conditions, it’s important to make sure you’re fully covered before you hit the road.

Car Insurance in Germantown, TN

The average cost of Tennessee car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Germantown, TN to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Germantown is $209 per month, or $2508 annually.

  • Car insurance in Germantown is $42 more than the average cost of car insurance in Tennessee.

  • The cheapest car insurance provider in Germantown on average is National General, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$58
State Farm
$103
Direct Auto
$184
The General
$215

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Cheapest Car Insurance in Germantown, TN

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Insurance Provider in GermantownQuotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Progressive$58 /mo
State Farm$103 /mo
Direct Auto$184 /mo
The General$215 /mo

Average Car Insurance Cost

Tennessee Cities
Memphis$159/mo
Knoxville$112/mo
Chattanooga$139/mo
Clarksville$124/mo
Germantown$140/mo
Tennessee$135/mo
Knoxville
$112
Clarksville
$124
Average for TN
$135
Chattanooga
$139
Germantown
$140
Memphis
$159

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Tennessee

All motor vehicles operated or parked on Tennessee roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Tennessee[1] are:

  • $25,000 per person for bodily injury

  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Tennessee is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Germantown Car Insurance Rates by Driver Age

Will teenagers be able to afford car insurance at $351 per month? No doubt some will need the help of mom and dad. In the Volunteer State, car insurance prices go down as the number of years of experience increases. For this reason, young adults see an immediate $170 price cut with just a few years behind the wheel. People in their 50s and 60s see the rate jump back up, possibly because of the costlier vehicles they can now afford. Those in their 70s did the best, with a premium that’s less than a third of what the teens pay.

Driver's AgeAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
teens$351
20s$179
30s$212
40s$151
50s$306
60s$315
70s$112
80sN/A

Germantown Car Insurance Rates by Driving and Accident History

People in Germantown know that safe driving is also smart driving. Insurance companies agree with the adage and award “good driver” and “accident-free” discounts to the safest folks on the road. A speeding ticket kills the savings and kicks the rate to $291. And an at-fault accident adds over $140 to the bill. It’s not all bad news though, because after three years of careful driving, tickets and accidents stop affecting monthly costs.

Driving HistoryAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
No Violation$180
Speeding Ticket$291
At-Fault Accident$323
Failure to Stop for Red Light / Stop SignN/A

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Germantown Car Insurance Rates by Credit Tier

Tennessee, like most states in the U.S., lets insurance companies factor in credit when setting rates. Generally, the people with the best credit pay the least. So why do people with poor credit get a better deal than those with average credit and likewise with good versus excellent credit? Those with better credit may finance costlier cars and need more coverage to protect their assets. Either way, moving from average credit to good credit offers savings of $1,200 per year.

Credit TierAvg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
Excellent$236
Good$135
Average$249
Poor$173

See More: Bad Credit Car Insurance Tennessee

Find local Germantown agents

  • Brisa Insurance Services

    2022 Exeter Road,
    Germantown, TN 38138
  • McDonald Insurance & Financial Services

    9947 Wolf River Blvd Ste 115 ,
    Germantown, TN 38139
  • Kevin Bentley Insurance LLC

    1914 Exeter Rd Suite 1,
    Germantown, TN 38138
  • Linder Insurance Agency LLC

    7716 Poplar Pike,
    Germantown, TN 38138
  • Collierville Insurance Agency

    3454 S Houston Levee Rd,
    Germantown, TN 38139
  • Chip Hunter - State Farm Insurance Agent

    2189 West St Ste 1,
    Germantown, TN 38138
  • Collierville Insurance Agency

    3454 S Houston Levee Rd,
    Germantown, TN 38139
  • KAIZEN Insurance Agency

    7540 North St,
    Germantown, TN 38138
  • Michael Duel: Allstate Insurance

    7608 Poplar Pike,
    Germantown, TN 38138
  • Larry Ferguson Insurance

    247 Germantown Bend Cove,
    Cordova, TN 38018
View more

Germantown, TN DMV Information

Motorists in Germantown share DMV services with neighboring Memphis, leading to long wait times depending on when you visit. Several locations are scattered throughout the major metropolitan area, with the Tennessee Driver Testing Center to the north of Germantown and another office near the Memphis International Airport. The Shelby County Motor Vehicle Division office is in downtown Memphis, only a short drive for Germantown residents.

Public Transportation in Germantown, TN

Unfortunately, those who live in Germantown and don’t own a vehicle may have a difficult time navigating the area. The city doesn’t have its own bus system and instead is part of the MATA, Memphis Area Transit Authority. The MATA has only one route that visits Germantown, so many people may not be able to reach their desired destination this way. For many, Uber and Lyft tend to be the best options.

How to get the best and cheapest car insurance in Germantown, TN

By all accounts, driving in Germantown sounds like a vacation, but that doesn’t mean you shouldn’t practice safe driving, even during short trips. An accident can happen at a moment’s notice and if it does, you’ll want to ensure that you have adequate auto insurance.

Whether you’re looking to save a little extra money or you need to completely reevaluate your insurance options, Insurify can help. You’ll be able to compare real-time quotes from multiple companies at once and find the policy that’s right for you.

FAQs - Germantown, TN Car Insurance

  • The state of Tennessee doesn’t require much before you hit the road, only requiring drivers to enroll in liability coverage. If you have a car loan, however, your lender will likely stipulate that you purchase additional types of protection.

  • Tennessee is an at-fault state, meaning that the person responsible for the collision would need to exhaust their insurance policy benefits first. It’s always a good idea to exchange insurance information with the other party if you’re involved in an accident, no matter how minor it may be.

  • For the lowest rates on auto coverage, visit Insurify today. After answering a few simple questions, you can explore your protection options and determine which policy is the best for your budget.

Compare Car Insurance Quotes Instantly

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Olivia Oksenhorn
Olivia Oksenhorn
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Insurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. Tennessee Department of Revenue. "State Minimum Car Insurance Requirements." Accessed May 28, 2022