Cheap Auto Insurance Quotes in Germantown, TN (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$58
$103
$184
$215
ProgressiveState FarmDirect AutoThe General
Monthly $

Cheapest Car Insurance in Germantown, TN

Here are the cheapest carriers in Germantown for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$131
$159
$112
$125
$120
$140
TennesseeMemphisKnoxvilleChattanoogaClarksvilleGermantown
Monthly $

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Germantown, TN Driving Facts

tennessee

Minimum Car Insurance Requirements in TN

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 coverge 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.

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.

Driving History
No Violation$180
Speeding Ticket$291
At-Fault Accident$323
Failure to Stop for Red Light / Stop SignN/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.

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.

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.

Conclusion: 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.

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

Insurify Insights: How Germantown Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Germantown, TN
suspended licenses
#--
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Germantown drivers measure up to their fellow Tennessee motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Most Popular Vehicle Germantown

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Germantown is the Ford F-Series Pickup.

DUI/DWIs Germantown

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Germantown drivers rank -- in the number of DUI’s per driver across all cities in Tennessee.

  • Rank within state: #--
  • Percent of drivers in Germantown with a DUI: %
  • Drivers in Germantown, TN with a DUI in their driving history paid on average % more than drivers with a clean record

Speeding Germantown

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Tennessee, Germantown drivers rank -- in the number of speeding infractions per driver.

  • Rank within state: #--
  • Percent of drivers in Germantown with a speeding ticket: %
  • Drivers in Germantown, TN with a speeding ticket in their driving history paid on average % more than drivers with a clean record

FAQs - Germantown, TN Car Insurance

What kind of car insurance do I need to have in Germantown?

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.

If I get into an accident in Germantown, how would my insurance determine how to pay the claim?

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.

Where can I find cheap auto insurance in Germantown?

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.

Insurify Rate Comparison Methodology

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.