How driving habits can affect car insurance rates in Memphis
Your driving record is the factor that has the greatest influence over your car insurance rates. A clean record free of accidents and driving infractions usually means you’re less likely to file a claim than someone with blemishes on their driving history.
The following tables provide some insight into how different driving infractions can affect car insurance rates in Memphis.
Cheapest car insurance with an accident in Memphis: Certainly
An at-fault accident can significantly increase your insurance costs. This is in part because you filed a claim that cost your insurance company money, and also because people who have filed claims for accidents in the past are more likely to file again in the future.
In Memphis, an at-fault accident may raise your rates as little as $17 or as much as $477 per month. Certainly — a regional insurer who writes policies in Arizona, Illinois, Ohio, Tennessee, and Wisconsin[7] — has the lowest average rates for Memphis drivers with an at-fault accident, at $170 per month.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a DUI in Memphis: National General
Driving under the influence of alcohol or another substance is a serious violation. Tennessee levels significant penalties against intoxicated driving, including losing your license for up to a year, a fine of up to $1,500, restitution to anyone injured because of your DUI, participation in a treatment program, and up to 11 months, 29 days incarceration for a first offense.BB
Based on Insurify data, fewer companies seem willing to insure Memphis drivers with a DUI. Among those who do write policies for drivers with a DUI, National General has the lowest average monthly rate at $130.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a speeding ticket in Memphis: Certainly
A speeding ticket may seem like a minor offense, but getting one can adversely affect your insurance costs. Speeding can lead to serious accidents; 11,258 traffic deaths in 2020 were due to speeding, according to the National Highway Transportation Safety Administration.[8]
Certainly has the cheapest car insurance for Memphis drivers with speeding tickets on their record, at $153.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.