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Tennessee Car Insurance for High Risk Drivers (With Quotes)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Doug Shaffer

By: Doug Shaffer

Edited by John Leach | Reviewed by Licensed Insurance Agent, Amber Benka

Updated March 9, 2022

Cheapest Insurance Companies for High Risk Drivers in Tennessee (2022)

For drivers that are high-risk 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 for drivers that are high-risk.

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 high-risk drivers in Tennessee.

CarrierAvg. 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.
Travelers$148
Elephant.com$158
Direct Auto$177
Safeco Insurance$186
SafeAuto$190
Midvale Home & Auto$199
GAINSCO$199
Nationwide$207
Dairyland Insurance$209
Bristol West$211

What Makes a Driver High-Risk in Tennessee?

With thousands of customers currently covered and new drivers being insured every day, auto insurance companies must have a way to categorize motorists. One way they do this is by assigning a risk rating to each driver. While some risk is OK, drivers who are considered high-risk tend to face increased premiums.

Typically, to be classified as a high-risk driver in Tennessee, your driving record has to have several violations on it. These could include speeding, reckless driving, numerous at-fault accidents, or being convicted of a DUI. Having any of these on your record increases the chances of being labeled high-risk and paying more for coverage. However, there are several insurance providers who still offer affordable rates.

Tennessee Car Insurance Rates for High-Risk Drivers

No Violation
$169
Failure to Stop
$209
Speeding Ticket
$211
Reckless Driving
$219
At-Fault Accident
$222

Insurify's comparison tool will help you make sure you're getting the best possible quote even after high risk driving violation. 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 High-Risk Driving Affect Car Insurance Rates in Tennessee?

High-risk driving violations are one of the biggest reasons for insurance companies to increase premium rates. Drivers who have instances of speeding, reckless driving, or at-fault accidents are more likely to pay more for coverage than other motorists. In Tennessee, this is especially true. An at-fault accident can result in an increase of $53 a month.

There are options available for high-risk drivers if they are willing to shop around for quotes. Some auto insurance providers have programs and packages available that include forgiveness for first-time offenders.

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$169
Speeding Ticket$211
At-Fault Accident$222
Reckless Driving$219
Failure to Stop$209

How Much Does a Speeding Ticket Impact Car Insurance Rates in Tennessee?

Tennessee has a beautiful landscape, and it can be easy to get lost in the wonders while driving. However, going too fast through the mountains and on the Tennessee backroads can result in a speeding ticket. Tennessee drivers who receive a speeding violation can expect an average monthly rate increase of $42.

No Violation - Avg. Monthly Rate
$169
Speeding ticket - Avg. Monthly Rate
$211
$42 ▴
Avg. Monthly Rate Increase

How Does an at-Fault Accident Impact Insurance Rates in Tennessee?

While we all hope to never be involved in a car crash, accidents and mistakes do happen. If you are in an at-fault accident in Tennessee, there is a likelihood that your average monthly premium will increase. On average, a Tennessee driver with an at-fault accident on their record will pay $53 more per month than someone without any incidents in their history.

No Violation - Avg. Monthly Rate
$169
Speeding ticket - Avg. Monthly Rate
$222
$53 ▴
Avg. Monthly Rate Increase

How Much Does Failure to Stop for a Red Light or Stop Sign Impact Car Insurance Rates in Tennessee?

Many people might not think rolling through a stop sign or running a red light is a big deal, but insurance providers do. In fact, a failure-to-stop violation can cause your average monthly premium rates to increase by as much as 23 percent. On average, Tennessee drivers with this violation on their record will pay $40 more per month than those without an instance in their history.

No Violation - Avg. Monthly Rate
$169
Speeding ticket - Avg. Monthly Rate
$209
$40 ▴
Avg. Monthly Rate Increase

Does Driving With a Suspended License Impact Car Insurance Rates in Tennessee?

With thousands of customers currently covered and new drivers being insured every day, auto insurance companies must have a way to categorize motorists. One way they do this is by assigning a risk rating to each driver. While some risk is OK, drivers who are considered high-risk tend to face increased premiums.

Typically, to be classified as a high-risk driver in Tennessee, your driving record has to have several violations on it. These could include speeding, reckless driving, numerous at-fault accidents, or being convicted of a DUI. Having any of these on your record increases the chances of being labeled high-risk and paying more for coverage. However, there are several insurance providers who still offer affordable rates.

Tips for Researching High-Risk Tennessee Car Insurance Rates

Insurance prices and policies can vary significantly between companies, and a large and growing state like Tennessee draws a wide variety of choices when factoring high-risk driving insurance rates.
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.

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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

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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  • Personalized quotes in 5 minutes or less
  • No signup required
  • 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.

Doug Shaffer
Doug Shaffer

Insurance Writer

Doug Shaffer works as a content writer. He has had the opportunity to write for several national insurance carriers in the past and brings with him over six years of experience working with both business and consumer products. He enjoys being able to break down complex insurance jargon to allow consumers to fully understand their policies.

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