Tennessee Car Insurance for High Risk Drivers (With Quotes)

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.

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.

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.

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.

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.

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.

Compare Top Auto Insurance Companies

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