Cheapest car insurance for Nashville drivers with an incident
When insurance companies calculate your insurance premiums, your driving history is one of the biggest factors they consider. Incidents such as speeding tickets, driving under the influence, or at-fault accidents on your driving record can increase your rates.
“Moving violations and at-fault accidents increase the operator’s insurance rate because it shows poor driving experience,” says Schrader. “Speeding tickets and at-fault accidents typically remain on the driving record for three years, while a DUI can be rated for 10 years.”
Cheapest car insurance for drivers with a speeding ticket
A speeding ticket will cost you in terms of the fine you’re charged and the points added to your driving history — between one and eight points in Tennessee — but it’ll also cost you on your insurance premiums.[4]
The effect of a speeding ticket on your insurance rates depends on several factors, including how fast you were going. A ticket can influence your insurance premiums for several years, but it’s most impactful shortly after you get it.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
A car accident can have a major effect on your insurance premiums. Not only does it show that you’re a higher-risk driver, but it often costs your insurance company money. An accident has the greatest effect on your insurance premiums when you’re the one at fault. But your rates could also increase slightly after an accident where you weren’t at fault.
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
Driving under the influence of alcohol or drugs is one of the most serious driving offenses. It’s also one that affects your insurance premiums the most. Unfortunately, a DUI will also remain on your record longer than most other violations, meaning it could cost you for years. And in some cases, an insurance company may even deny you coverage.
It’s worth noting that higher insurance premiums could be the least of your worries if you get a DUI in Tennessee. Penalties for a first offense can include jail time, license revocation, fines, restitution, and mandated participation in an alcohol-and-drug-treatment program.[5]
The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.