Find Cheap Car Insurance in Tennessee
Get affordable auto insurance quotes from A Plus Insurance. Compare rates, save on premiums, and get the coverage you need in Tennessee. We offer competitive pricing and excellent customer service for all your insurance needs.
Why Choose A Plus Insurance for Your Tennessee Auto Insurance
Competitive Rates
We work with multiple insurance providers to find you the most affordable car insurance in Tennessee. Our comparison shopping saves you time and money, just like our services in New Mexico and Vermont.
Local Expertise
As Tennessee insurance specialists, we understand state-specific requirements and can help you navigate Tennessee’s auto insurance laws and regulations. Our expertise extends to Maine, Montana, and South Dakota as well.
Comprehensive Coverage
From basic liability to full coverage, we offer a range of auto insurance options to protect you, your vehicle, and your finances on Tennessee roads. We also provide specialized coverage like SR-22 insurance for drivers who need it.
Tennessee Car Insurance Requirements & Regulations
| Coverage Type | Minimum Requirement | Recommended Coverage | What It Covers |
|---|---|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident | $100,000 per person / $300,000 per accident | Medical expenses for others injured in an accident you cause |
| Property Damage Liability | $15,000 per accident | $50,000 – $100,000 per accident | Damage to others’ property in an accident you cause |
| Uninsured Motorist | $25,000 per person / $50,000 per accident | Match your liability limits | Your medical expenses if hit by an uninsured driver |
| Underinsured Motorist | Not required | Match your liability limits | Your expenses when the at-fault driver’s insurance is insufficient |
Tennessee follows a “fault” system for car accidents, meaning the driver who causes the accident is responsible for damages. While the state minimums provide basic protection, we recommend higher coverage limits to better protect your assets. For comprehensive protection, consider adding collision and comprehensive coverage to your policy. If you need SR-22 insurance due to violations, we can help with that too.
Our insurance experts can help you understand how Tennessee requirements compare to other states like Ohio, Michigan, and Louisiana.
Tennessee Car Insurance Cost Analysis
| City | Average Annual Premium | Compared to State Average |
|---|---|---|
| Nashville | $1,450 | +12% |
| Memphis | $1,520 | +18% |
| Knoxville | $1,320 | +2% |
| Chattanooga | $1,290 | -1% |
| Clarksville | $1,250 | -4% |
Car insurance rates in Tennessee vary based on location, driving record, vehicle type, and coverage level. Urban areas like Nashville and Memphis typically have higher premiums due to increased traffic density and accident rates. Our agents can help you find discounts and savings opportunities specific to your situation.
If you’re moving to Tennessee from another state, check out our guides for West Virginia, Nebraska, and Missouri to understand how insurance requirements differ.
Frequently Asked Questions About Tennessee Car Insurance
Tennessee requires all drivers to carry liability insurance with minimum limits of 25/50/15. This means $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage. While these are the legal minimums, we often recommend higher limits for better financial protection. Compare these requirements to states like New Mexico or Vermont to see how they differ.
To find affordable car insurance in Tennessee, consider bundling policies, maintaining a clean driving record, taking defensive driving courses, increasing your deductible, and asking about available discounts. Our agents can help you identify all potential savings opportunities. We offer similar savings strategies for drivers in South Carolina and North Carolina as well.
Insurance companies consider your driving history, age, location, credit score, vehicle type, annual mileage, and coverage selections when determining your premium. Urban areas typically have higher rates than rural areas due to increased risk of accidents and theft. These factors are similar across states like Colorado, Chattanooga, and Texas.
Yes, Tennessee requires uninsured motorist coverage with minimum limits matching your liability coverage. This protects you if you’re in an accident with a driver who has no insurance. We also recommend underinsured motorist coverage for additional protection. This requirement is similar in states like Michigan and Georgia.
Driving without insurance in Tennessee can result in fines, license suspension, vehicle impoundment, and requirement to file an SR-22 certificate. Penalties increase for repeat offenses. It’s always better to maintain continuous coverage. Similar penalties apply in Missouri and Louisiana.
Yes, we can often provide same-day coverage for Tennessee drivers. Contact us at 888-445-2793 or use our online quote tool to get started quickly. We offer similar expedited services for drivers in Idaho and Oregon as well.
Tennessee drivers may qualify for various discounts including multi-policy, safe driver, good student, defensive driving course completion, anti-theft device, and more. We also offer specialized discounts for military personnel and seniors. Similar discount programs are available in Arkansas and Maryland.
Tennessee’s car insurance requirements and rates are generally in line with regional averages. They’re typically lower than in Georgia but higher than in Kansas. Requirements differ significantly from no-fault states like Michigan. Our agents can explain these differences if you’re moving between states.
Additional Insurance Services in Tennessee
Homeowners Insurance
Protect your home and belongings with comprehensive coverage tailored to Tennessee homeowners. We also offer home insurance in New York.
Business Insurance
Safeguard your Tennessee business with liability, property, and specialized coverage options. Our business insurance extends to Colorado businesses as well.
Motorcycle & RV Insurance
Specialized coverage for motorcycles, ATVs, and recreational vehicles on Tennessee roads. We also provide RV insurance in Utah.
SR-22 Insurance
We help Tennessee drivers meet state requirements after license suspensions or serious violations. Our SR-22 services are available in Alaska and Mississippi too.
Non-Owner Insurance
Liability coverage for drivers who don’t own a vehicle but need insurance protection in Tennessee.
Commercial Auto Insurance
Protection for business vehicles operating in Tennessee, with specialized coverage options.
Last Updated on by Jayleen Ridgeway