Cheap Car Insurance for High-Risk Drivers in Tennessee:
Costs and Quotes (2022)

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Last Updated: January 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.

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
Average Monthly Cost
$169
$211
$222
$219
$209
No ViolationSpeeding TicketAt-Fault AccidentReckless DrivingFailure to Stop
Driving History

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 History
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.

$169
$211
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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.

$169
$222
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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.

$169
$209
No Violation - Avg. Monthly RateSpeeding ticket - Avg. Monthly Rate
$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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FAQs - Tennessee Car Insurance

Why is car insurance so expensive in Tennessee?

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.

Do car insurance rates vary by county in Tennessee?

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.

Which providers have the best auto insurance ratings in Tennessee?

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.

How much do annual auto insurance rates increase in Tennessee?

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.

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.