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Finding Cheap Auto Insurance in Tennessee

Finding a good price for auto insurance in Tennessee shouldn’t be a long process. We’ve reviewed 13 auto insurance companies in Tennessee to help you find the best rates.

Related: Best Car Insurance Companies

Cheap auto insurance in Tennessee for good drivers

If you avoid car accidents and tickets, you should be able to find fairly low insurance rates in Tennessee. Yet not all companies can offer lower than average rates. Try quotes from Erie Insurance, Geico, and State Farm. Military personnel and veterans can usually find great rates with USAA auto insurance.

Cheap car insurance in Tennessee for speeding drivers

If you’re pulled over for speeding, you could see your auto insurance rates go up as much as $ 200 a year in Tennessee. In these cases, you may want to get Erie, State Farm, and Geico auto insurance quotes. If you are in the military, you should also get a quote from the USAA.

Cheap auto insurance in Tennessee for drivers who have caused an accident with injuries

If you cause a car accident and someone else is injured, expect your auto insurance rates to go up by several hundred dollars. If you’re looking for better rates, try Erie and State Farm, which had the lowest rates for drivers with accidents among the companies we surveyed.

Cheap car insurance in Tennessee for drivers with a DUI

A DUI conviction is going to cost you dearly in auto insurance. You can expect your rates in Tennessee to increase by about $ 800 per year. If you have a DUI on your record, compare quotes from State Farm, Erie, and others.

Cheap auto insurance in Tennessee for drivers with low credit

Drivers with poor credit in Tennessee are really hammered by higher auto insurance rates, even with a clean driving record. Rates can vary widely from insurer to insurer for low credit drivers, so it can be very beneficial to shop around in this situation. Check out Geico and Nationwide auto insurance quotes.

Cheap auto insurance in Tennessee for drivers without insurance

If you get caught driving without insurance, chances are you’ll pay a higher premium when you buy your next policy. Get quotes from Erie, Geico, and State Farm to find cheaper rates. Whether you are a military or a veteran, USAA offers competitive rates.

The cheapest vehicles for insurance in Tennessee

Your vehicle is factored into your auto insurance costs. In Tennessee, the Honda CR-V LX, Jeep Wrangler JL Sport, and Subaru Forester 2.5i are among the most affordable insurance options, based on the average prices of the top 50 selling 2021 models. The 20 cheapest are below.

The most expensive cars for insurance in Tennessee among the popular models are the Tesla Model S Performance ($ 3,260 per year) and the Tesla Model 3 Standard Plus ($ 1,776 per year).

Related: The most expensive and cheapest cars to insure nationwide

Minimum auto insurance required in Tennessee

Tennessee requires car owners to purchase auto liability insurance. This type of basic coverage covers injuries and damage you cause to others in a car accident. It also pays for legal defense if you are sued. But it doesn’t pay for damage to your own vehicle or your injuries.

You must take out liability insurance with at least:

  • $ 25,000 for bodily injury to a person
  • $ 50,000 for bodily injuries to more than one person in a single accident
  • $ 15,000 for property damage in an accident

This is written as 25/50/15.

Tennessee’s minimum requirements may be insufficient. If you have assets, like a house or savings, the state minimum will not be enough. If you cause an accident with personal injury and property damage, bills could quickly deplete your insurance coverage and you could be responsible for the rest.

What else should I have?

Collision and multi-risk insurance. Liability insurance covers many issues, but it does not cover damage to your own car. If someone hits you, you can sue them for damages or use your own collision insurance to cover repairs to your car. Collision is also good for your own accidents, like backing up into a post or hitting a guardrail.

Comprehensive insurance covers issues such as auto theft, vandalism, flooding, hail, fire, falling objects, riots, and collisions with animals, such as birds and deer.

If you have a loan or rental, you usually need to purchase collision insurance and comprehensive coverage.

Coverage for uninsured and underinsured motorists. What if you have an accident with someone who doesn’t have auto insurance to cover your medical bills? Coverage for uninsured and underinsured motorists (UM and UIM) comes into effect.

Insurance companies in Tennessee must offer you UM and UIM, but you can decline them. But generally these are good blankets to have. The Uninsured Motorist (UIM) pays the medical bills when someone without insurance hits you and the Underinsured Motorist (UIM) pays when the driver has insurance but is exhausted.

Thus, UM and UIM pay the medical bills. What about the damage to your car? You can also buy property damage from uninsured motorists (UMPD) or refuse it in writing. UMPD pays for property damage when an uninsured driver collides with your car or property (such as your fence or garage).

Medical payments (MedPay). This coverage pays for medical bills for car accidents no matter who is at fault. It typically covers expenses such as hospital bills, co-payments, and deductibles for you and your passengers. But these are usually small amounts such as $ 1,000 or $ 5,000.

Summary: Auto Insurance Required in Tennessee

Can I show my insurance ID card from my phone?

You can use your phone to show a Tennessee auto insurance ID card. Check if your auto insurance company has a mobile app that gives you easy access to an electronic ID card.

Factors Allowed In Tennessee Auto Insurance Rates

Auto insurance companies will often use your driving record, past claims, vehicle model, and more when setting a rate. In Tennessee, insurers can also use these factors.

How many uninsured drivers are there in Tennessee?

About 24% of drivers in Tennessee do not have insurance, according to the Insurance Research Council. This puts Tennessee at the top of the list of uninsured drivers, behind Florida, Mississippi, New Mexico and Michigan.

Penalties for driving without automobile insurance

If you are caught driving uninsured in Tennessee, you can be fined, your driving privileges revoked, and your vehicle registration suspended.

When can a vehicle be totaled?

In Tennessee, an insurance company can decide that a car is “totaled” when the damage exceeds 75% of its fair market value.

Resolve insurance issues

The Tennessee Department of Commerce & Insurance is responsible for monitoring state insurance companies and approving their rates. If you have an unresolved problem, service personnel may be able to help you, or you can file a complaint.

Methodology

To find the cheapest auto insurance companies in Tennessee, we used rates from Quadrant Information Services, a provider of insurance data and analytics. Rates are based on a female driver with a clean criminal record insuring a Toyota RAV4 with $ 100,000 in bodily injury liability coverage per person, $ 300,000 per accident and $ 100,000 in property damage liability, coverage for uninsured motorist and any other coverage required in the state. The rate also includes collisions and comprehensive risks with a deductible of $ 500.

Companies assessed for Tennessee were Allstate, Auto-Owners, Erie, Farmers, Geico, Grange Mutual, Nationwide, Progressive, State Farm, Tennessee Farmers, Travelers, USAA and Westfield.

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