Find Cheap Car Insurance in Tennessee
Get affordable auto insurance coverage that meets Tennessee state requirements. Compare quotes from top providers and save on your car insurance premiums today.
Why Choose A Plus Insurance for Your Tennessee Car Insurance Needs?
Expertise in Tennessee Auto Insurance
With years of experience serving Tennessee drivers, we understand the unique insurance requirements and challenges faced by residents across the state. From Nashville to Memphis, we’ve helped thousands of drivers find affordable coverage.
Multiple Insurance Provider Options
We work with a network of trusted insurance companies to ensure you get the best possible rate for your auto insurance needs. Whether you need basic liability or full coverage, we’ll find a policy that fits your budget.
Specialized High-Risk Coverage
If you need SR22 insurance or have a less-than-perfect driving record, we specialize in finding affordable options for high-risk drivers throughout Tennessee.
Tennessee Car Insurance Requirements
Understanding Tennessee’s minimum auto insurance requirements is essential for all drivers. The state mandates specific coverage levels to ensure financial responsibility in case of accidents.
| Coverage Type | Minimum Requirement | Recommended Coverage |
|---|---|---|
| Bodily Injury Liability (per person) | $25,000 | $50,000+ |
| Bodily Injury Liability (per accident) | $50,000 | $100,000+ |
| Property Damage Liability | $15,000 | $50,000+ |
While these are the legal minimums, many drivers opt for higher limits to better protect their assets. Consider adding comprehensive and collision coverage for full protection of your vehicle.
Tennessee Car Insurance Cost Comparison
Car insurance rates in Tennessee vary based on multiple factors. Below is a comparison of average monthly premiums for different driver profiles.
These are average estimates. Your actual rate may vary based on your specific circumstances. Get a personalized quote to see exactly how much you could save.
How to Save on Car Insurance in Tennessee
Compare Multiple Quotes
Insurance rates can vary significantly between providers. By comparing quotes from multiple companies, you can ensure you’re getting the best possible rate for your auto insurance coverage.
Bundle Your Policies
Many insurance companies offer discounts when you bundle your homeowners insurance or recreational vehicle insurance with your auto policy.
Maintain a Clean Driving Record
Safe drivers typically pay lower premiums. Avoiding traffic violations and accidents can help keep your insurance costs down over time.
Ask About Discounts
Many insurers offer discounts for good students, safe drivers, military personnel, and more. Be sure to ask about all available discounts when shopping for coverage.
Frequently Asked Questions About Car Insurance in Tennessee
The cheapest car insurance in Tennessee varies based on your driving record, age, vehicle type, and coverage needs. On average, Tennessee drivers pay around $1,200 annually for basic coverage, but rates can be significantly lower with discounts and proper comparison shopping. The most affordable options typically come from providers like Progressive, GEICO, and State Farm, but working with an independent agent can help you find the best rate across multiple companies.
Car insurance in Tennessee typically costs between $80-$150 per month for basic liability coverage. Full coverage policies average $150-$250 monthly. Your actual rate depends on factors like your driving history, credit score, and the insurance provider you choose. Young drivers and those with recent violations will typically pay higher premiums.
Tennessee requires drivers to carry minimum liability coverage of $25,000 for bodily injury per person, $50,000 for bodily injury per accident, and $15,000 for property damage. Many drivers opt for higher limits for better protection. While these are the legal minimums, they may not be sufficient to cover all costs in a serious accident.
To get affordable car insurance in Tennessee, compare quotes from multiple providers, maintain a clean driving record, bundle policies, ask about discounts, and consider raising your deductible. Working with an independent agent like A Plus Insurance can help you find the best rates across multiple companies. Additionally, taking defensive driving courses and maintaining good credit can also help lower your premiums.
You may need SR22 insurance in Tennessee if you’ve been convicted of serious traffic violations like DUI, driving without insurance, or multiple at-fault accidents. An SR22 certificate proves you carry the state-required minimum insurance. This filing is typically required for three years following a serious violation. If you need SR22 insurance, we can help you find affordable options.
Several factors influence your car insurance rates in Tennessee, including your driving record, age, gender, credit history, vehicle type, coverage limits, deductible amount, and even your location within the state. Urban areas like Nashville and Memphis typically have higher rates than rural areas due to higher traffic density and accident rates.
Additional Insurance Services in Tennessee
At A Plus Insurance, we offer more than just auto coverage. Explore our other insurance products to fully protect what matters most to you.
Homeowners Insurance
Protect your home and belongings with comprehensive homeowners insurance coverage tailored to Tennessee residents.
Business Insurance
Secure your business with liability, property, and other essential coverages designed for Tennessee businesses.
Motorcycle & RV Insurance
Get specialized coverage for your motorcycle, ATV, or recreational vehicle with policies designed for Tennessee riders.
SR22 Insurance
If you need to file an SR22 certificate, we can help you find affordable options that meet Tennessee’s requirements.
Last Updated on by Lady Mae Enad