Temporary Car Insurance in Tennessee:
Costs and Quotes (2022)

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Last Updated: January 2022

Cheapest Companies for Temporary Car Insurance Tennessee (2022)

For drivers looking for temporary insurance 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 will allow you to get the best possible insurance rate for drivers looking for a 6-month policy.

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 temporary car insurance for drivers in Tennessee.

What Is Temporary Car Insurance and How to Get It in Tennessee?

A temporary car insurance policy generally lasts for six months. It’s also often less expensive than a long-term, 12-month policy. You might come across websites that offer one-month or in some cases, one-week insurance policies, but they’re most likely a scam. In the United States, car insurance companies only offer six- and 12-month car insurance policies. If you find yourself needing insurance for less than six months, you’re better off buying a six-month policy and canceling it early than purchasing a questionable one-month policy.

Short-term car insurance policies protect your vehicle and shield you from having a long, expensive policy with a company that’s not a good fit for you. Six-month car insurance policies are also great because you have the flexibility to comparison-shop and find better rates a lot sooner. That means you’re never stuck overpaying for car insurance for too long. Check out Insurify to find a good, affordable temporary car insurance policy in Tennessee. Insurify can find up to 20 short-term car insurance policies for you from top companies within minutes!

What Are the Average Short-Term Car Insurance Rates in Tennessee?

Tennessee drivers pay almost $1,200 on average for a six-month policy, according to Insurify’s database of more than four million car insurance policy applications.

That’s an average of $198 per month. A 12-month car insurance policy in Tennessee doesn’t always cost twice the amount of a six-month policy, however. That’s because sometimes, car insurance companies will charge more per month for a longer policy because they’re taking on an additional six months’ worth of risk.

Length of Short-Term Insurance Policy
6 months$198$1,190

What Are the Benefits of Choosing a Six-Month Auto Insurance Policy in Tennessee?

Buying a six-month car insurance policy in Tennessee is a good idea because it provides you with some protection from rate increases. Remember, the fact that your car insurance company offers the lowest rate today doesn’t mean it will be the lowest two months from now. When you have a six-month car insurance policy, you’re in a position to find the best possible rate a lot sooner than if you were locked in for a full year.

Reassess your car insurance policy, and comparison-shop rates every six months. Not only is it financially smart to do so, but it’s easy, too. With Insurify, you can compare car insurance quotes from up to 20 companies at a time within minutes. Monitoring car insurance rates on a consistent basis also helps ensure you aren’t wasting money.

Find Cheap Short-Term Car Insurance in Minutes

You could find cheap short term car insurance options in Tennessee within minutes using Insurify. All you’ve got to do is fill in some basic information about yourself and your car, and you’ll be presented with a list of up to 20 short-term car insurance policy options within minutes. These quotes are customized, real-time, and accurate. Insurify also allows you the option to toggle between the rates for a six-month policy and a 12-month policy—that way you can see for yourself which option is best for you.

Compare quotes fast, free, and online with Insurify’s car insurance quote comparison tool.

Best Short-Term Car Insurance Plans in Tennessee

Insurance prices and policies can vary significantly between companies, and a state like Tennessee draws a wide variety of choices when drivers are evaluating temporary car insurance plans.

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.

Top Auto Insurance Companies

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.

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.