Cheap Auto Insurance Quotes in Memphis, TN (May 2022)

If you spot Elvis driving anywhere around Memphis, don’t call him an impersonator—he’s officially an Elvis Tribute Artist—and keep your hands on the wheel. We don’t want any accidents happening before you get a chance to tour Graceland!

Playing it safe while driving—even when you see a semi-celebrity—is important. Just as important is doing a double-take to be sure you always have the right kind of insurance with you while riding the bluesy backroads of this famous town.

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.

Memphis, TN DMV Information

Have a few minutes at lunch to renew your driver’s license? In Memphis, you can actually go online and keep track of the wait times at area DMVs. However, like most cities, it’s recommended you get an appointment to make the best use of your time. If you are looking for REAL ID services in Memphis, a new program was just rolled out that allows you to go online and virtually save your place at a DMV by selecting an e-ticket. If you are in need of tags, county clerks across the state are responsible for taking care of those transactions. Although there are seven county clerk branch offices, the fastest way to take care of a registration renewal in Memphis is online.

Public Transportation in Memphis, TN

No car? No problem. Here in Memphis there’s a lot of other ways to get around. The MATA (Memphis Area Transit Authority) bus system covers over 300 square miles and can get you nearly anywhere in the city. Besides ridesharing and traditional taxi services, don’t forget to take advantage of some of the free tour buses set up to take travelers to top music and other tourist destinations, including Graceland, Sun Studio, and common restaurant routes. And there’s all sorts of bike action going on, with several different bikeshare programs to choose from throughout a city that was named America’s Most Improved Bicycle City by Bicycling magazine.

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

There are actually over 44 Elvis impersonators…ahem…Tribute Artists listed in Memphis. That’s a lot of personalities to go through to get the best one for your gig.

If you’ve ever thought about comparing insurance companies, you probably know that there are hundreds to choose from—way too many to just pick up the phone and call. Insurify makes the insurance company auditioning process a whole lot easier by zeroing in on the cheapest car quotes for your profile, fast.