- What is the Cheapest Insurance for Male Drivers in Memphis, TN?
- Where to Find the Best Full Coverage Car Insurance Quotes Memphis, TN
- How to Get Affordable Car Insurance for Young Drivers in Memphis, TN
- Who Offers the Lowest Cost Insurance for Drivers with a Clean History in Memphis, TN?
- Finding the Cheapest Car Insurance Quotes Memphis: Good Credit Holders
- Best Deals on Car Insurance with Homeowners Discounts in Memphis, TN
- How to Get a Free Car Insurance Quote Memphis TN
- Lowest Cost Insurance Options for Bad Credit Holders in Memphis, TN
- Why does my Memphis zip code affect my car insurance rates?
- What We Do at A Plus Insurance
- SR22 Insurance Process in Memphis
- Frequently Asked Questions about Car Insurance Quotes in Memphis
What is the Cheapest Insurance for Male Drivers in Memphis, TN?
Looking for affordable car insurance in Memphis, TN? Male drivers often pay higher rates, but insurers like Progressive and Assurance America offer competitive pricing with discounts designed to lower costs.
Why Do Male Drivers Pay More for Car Insurance?
Insurance companies consider several factors when determining rates, and male drivers, especially those under 25, often face higher premiums due to:
- Higher accident rates compared to female drivers
- Increased risk-taking behavior statistically linked to male drivers
- Limited driving history for younger male drivers
Cheapest Car Insurance Options for Male Drivers in Memphis!
A recent survey shows that male drivers in Memphis can save up to 15% on average by choosing insurers like Progressive and Assurance America. These providers offer:
- Multi-vehicle discounts for insuring more than one car
- Safe driver discounts for maintaining a clean driving record
- Bundling options to combine auto and renters or home insurance for extra savings
Get a Free Quote Today
If you’re a male driver in Memphis looking for cheap car insurance, compare rates from Progressive and Assurance America. Get a free quote online or call now to find the best deal!
Progressive, for example, offers customized policies that can significantly lower premiums for male drivers, especially when combined with discounts like multi-vehicle or safe driver programs.
| Memphis Insusrance Carrier | Avg. Monthly Rate for Male Drivers |
|---|---|
| Progressive Insurance | $150 |
| Dairyland | $153 |
| Geico | $153 |
| GAINSCO | $155 |
| Mendota Ins. Company | $158 |
| Bristol West | $165 |
| Acceptance RTR | $167 |
| National General | $175 |
| AssuranceAmerica | $177 |
| USAA | $185 |
| Travelers | $186 |
| The General | $188 |
| Farmers | $190 |
| Nationwide | $197 |
Where to Find the Best Full Coverage Car Insurance Quotes in Memphis, TN?
Looking for full coverage car insurance in Memphis, TN? Progressive and Bristol West offer comprehensive policies that protect against a wide range of incidents while keeping rates competitive.
What Does Full Coverage Car Insurance Include?
A full coverage policy typically combines:
- Liability Insurance – Covers injuries and property damage if you’re at fault in an accident.
- Collision Coverage – Pays for repairs to your car after an accident, regardless of fault.
- Comprehensive Coverage – Protects against theft, vandalism, weather damage, and other non-collision incidents.
- Uninsured/Underinsured Motorist Coverage – Covers your expenses if you’re hit by a driver without enough insurance.
Why Choose Progressive or Bristol West in Memphis?
- Lower-than-average rates for full coverage policies
- Customizable deductibles to fit your budget
- Discounts for safe drivers, bundling, and multi-vehicle policies
Get the Best Full Coverage Insurance Quote Today!
Memphis drivers looking for affordable full coverage car insurance can compare quotes from Progressive and Bristol West. Get a free quote online or call now to find the best rate for your needs!
| Insurance Carrier in Memphis | Avg. Monthly Rate |
|---|---|
| National General | $144 |
| Progressive Insurance | $145 |
| 21st Century | $152 |
| Bristol West | $154 |
| USAA | $156 |
| Allstate | $157 |
| AssuranceAmerica | $160 |
| The General | $162 |
| Acceptance RTR | $167 |
| Travelers | $169 |
| Geico | $170 |
| State Farm | $171 |
| American Family | $172 |
| Mendota Ins. Company | $172 |
How to Get Affordable Car Insurance for Young Drivers in Memphis, TN?
Finding affordable car insurance for young drivers in Memphis, TN can be challenging, but companies like Dairyland and The General offer policies designed specifically for new drivers. These insurers provide competitive rates and discounts to help young drivers lower their premiums.
Why Do Young Drivers Pay More for Car Insurance?
Insurance companies charge higher rates for young drivers because they statistically have:
- Less driving experience, leading to a higher risk of accidents
- More claims compared to older, experienced drivers
- Limited credit history, which can impact insurance pricing
Best Car Insurance Options for Young Drivers!
- Dairyland: Specializes in affordable policies for new drivers and those needing SR22 insurance.
- The General: Offers flexible coverage options with low down payments and discounts for responsible driving.
How to Save on Car Insurance as a Young Driver?
- Maintain good grades – Many insurers offer a Good Student Discount for maintaining a B average or higher.
- Join a safe driving program – Enrolling in telematics programs like The General’s DriveSense can help lower rates based on driving habits.
- Stay on a parent’s policy – If possible, remaining on a family policy can lead to significant savings.
- Compare quotes regularly – Shopping around ensures you get the cheapest rates available.
Get a Free Quote Today!
Looking for low-cost car insurance for young drivers in Memphis? Compare rates from Dairyland and The General today. Get a free quote online or call now to start saving!
| Insurance Carrier | Avg. Monthly Rate |
|---|---|
| National General | $134 |
| Dairyland | $142 |
| Mendota Ins. Company | $145 |
| Progressive Insurance | $147 |
| AssuranceAmerica | $156 |
| USAA | $161 |
| 21st Century | $165 |
| Bristol West | $167 |
| GAINSCO | $169 |
Who Offers the Lowest Cost Insurance for Drivers with a Clean History in Memphis, TN?
If you have a clean driving record, you can qualify for lower car insurance rates in Memphis, TN. Progressive and National General offer some of the most competitive premiums, rewarding safe drivers with significant discounts.
Why Do Safe Drivers Pay Less for Car Insurance?
Insurance companies offer lower rates to drivers with a clean history because they present less risk of accidents or claims. With no violations or accidents on record, insurers are more likely to offer:
- Safe driver discounts
- Lower monthly premiums
- Better coverage options at reduced rates
Cheapest Car Insurance Options for Drivers with a Clean Record:
| Insurance Carrier | Average Monthly Rate |
|---|---|
| Dairyland | $126 |
| 21st Century | $131 |
| GAINSCO | $133 |
| Nationwide | $140 |
| Progressive Insurance | $141 |
| Acceptance RTR | $143 |
| Mendota Ins. Company | $146 |
| National General | $148 |
| The General | $152 |
| AssuranceAmerica | $157 |
| Bristol West | $167 |
| Geico | $168 |
| American Family | $170 |
| State Auto | $170 |
Who Offers the Lowest Cost Insurance for Drivers with a Clean History in Memphis, TN?
If you have a clean driving record, you may qualify for some of the lowest car insurance rates in Memphis, TN. Progressive and National General reward safe drivers with discounts that can significantly lower monthly premiums.
Why Do Safe Drivers Pay Less for Car Insurance?
Insurance companies consider accident-free drivers to be lower risk, which often leads to:
- Safe driver discounts for maintaining a clean record
- Lower monthly premiums compared to high-risk drivers
- Better coverage options at reduced rates
Cheapest Car Insurance Options for Drivers with a Clean Record
Drivers in Memphis with no accidents or violations can save up to 25% on their premiums by choosing:
| Insurance Carrier | Average Monthly Rate |
|---|---|
| AssuranceAmerica | $132 |
| Dairyland | $133 |
| GAINSCO | $133 |
| Geico | $133 |
| Bristol West | $135 |
| Mendota Ins. Company | $135 |
| Acceptance RTR | $147 |
| The General | $153 |
| National General | $154 |
| Progressive Insurance | $160 |
| Nationwide | $161 |
| Safeco | $162 |
Best Deals on Car Insurance with Homeowners Discounts in Memphis, TN!
Are you a homeowner in Memphis, TN, looking for ways to lower your car insurance rates? Providers like Progressive and National General offer home and auto bundle discounts that can save you money while simplifying policy management.
Why Do Homeowners Get Discounts on Car Insurance?
Insurance companies reward homeowners with lower rates because they are seen as more financially stable and lower-risk drivers. When you bundle auto and home insurance, you can:
Qualify for additional discounts, like safe driver or multi-vehicle savings
Save up to 20% on your car insurance premiums
Simplify your policies by managing auto and home coverage in one place
| Insurance Company | Average Monthly Rate |
|---|---|
| Dairyland | $133 |
| GAINSCO | $140 |
| Nationwide | $144 |
| 21st Century | $147 |
| The General | $150 |
| AssuranceAmerica | $152 |
| Acceptance RTR | $155 |
| Mendota Ins. Company | $157 |
| Liberty Mutual | $161 |
| Allstate | $162 |
| Bristol West | $162 |
| National General | $163 |
| Progressive Insurance | $164 |
| Farmers | $167 |
How to Get a Free Car Insurance Quote Memphis TN
01.
Contact Us
02.
Details
03.
Quote
04.
Decision
Lowest Cost Insurance Options for Bad Credit Holders in Memphis, TN!
If you have bad credit, finding affordable car insurance in Memphis, TN can be challenging, but not impossible. Insurers like Mendota and Assurance America specialize in policies for drivers with less-than-perfect credit, helping them get coverage at reasonable rates.
Why Does Bad Credit Affect Car Insurance Rates?
Many insurance companies use credit scores to assess risk, and drivers with lower scores may see higher premiums. However, insurers like Mendota and Assurance America focus on other factors, such as:
- Driving history and accident records
- Years of driving experience
- State-mandated minimum coverage requirements
Best Car Insurance Companies for Drivers with Bad Credit!
- Mendota: Offers flexible payment options and discounts for maintaining continuous coverage.
- Assurance America: Provides budget-friendly policies that don’t rely heavily on credit scores to determine rates.
How Much Can You Save?
Recent market analysis shows that drivers with poor credit can still save up to 15% on premiums by choosing insurers that specialize in high-risk or non-standard coverage.
Get a Quote and Start Saving Today!
If you’re a Memphis driver with bad credit looking for the lowest car insurance rates, compare quotes from Mendota and Assurance America. Get a free quote online or call now to find an affordable policy!
| Insurance Carriers | Avg. Monthly Rate |
|---|---|
| National General | $158 |
| The General | $162 |
| 21st Century | $166 |
| Acceptance RTR | $168 |
| Bristol West | $170 |
| Mendota Ins. Company | $171 |
| Nationwide | $172 |
| AssuranceAmerica | $176 |
| Progressive Insurance | $176 |
| GAINSCO | $181 |
| Dairyland | $183 |
| Geico | $185 |
| Allstate | $193 |
| Safeco | $193 |
| State Auto | $199 |
How Your Zip Code Impacts Auto Insurance Costs?
Here are the key reasons why where you live in Memphis affects your car insurance rates:
- Weather & Climate
Memphis has a humid subtropical climate, with hot summers and mild winters. Frequent vehicle use in hot weather and the risk of severe storms, hail, and tornadoes can lead to higher insurance claims for weather-related damage. - Crime Rates & Vehicle Theft
Certain Memphis neighborhoods experience higher rates of car theft and vandalism. Insurers charge higher premiums in zip codes with more reported vehicle break-ins and stolen cars to offset the increased risk. - Traffic & Population Density
As Tennessee’s largest city, Memphis has heavy traffic congestion, increasing the likelihood of accidents and claims. More vehicles on the road mean higher risk, leading to increased insurance costs in high-traffic areas. - Demographics & Driving Behavior
Zip codes with younger drivers or a higher number of inexperienced motorists may see higher insurance rates since younger drivers statistically have more accidents. - Economic Factors & Uninsured Drivers
Areas with lower average incomes tend to have more uninsured or underinsured drivers, which raises risks for insured motorists. Insurance companies adjust premiums accordingly to cover potential uninsured motorist claims.
How to Lower Your Car Insurance Rates in Memphis?
- Compare quotes from multiple insurers to find the best rate for your zip code.
- Bundle auto and home insurance for discounts.
- Consider safe driver programs like Progressive’s Snapshot to lower rates based on driving habits.
- Park in a garage or secure location to reduce theft risks.
Get a Free Quote Today!
Want to find the cheapest car insurance in your Memphis zip code? Get a free quote online or call now to compare rates from top insurance providers and start saving!
ZIP CODES IN MEMPHIS, TN
- 38016
- 38018
- 38103
- 38104
- 38105
- 38106
- 38107
- 38108
- 38109
- 38111
What We Do at A Plus Insurance
Homeowners, renters, and mobile home owners: make sure you have the protection you need.
SR22 Insurance Process in Memphis
01.
Consultation
02.
Quote
03.
Filing
04.
Policy Management
Frequently Asked Questions about Car Insurance Quotes in Memphis
What factors affect car insurance quotes in Memphis?
Car insurance quotes in Memphis can be influenced by various factors, including driving history, age, type of vehicle, coverage limits, and ZIP code. Contact us for personalized details.
How can I get a car insurance quote in Memphis?
Getting a car insurance quote in Memphis is easy! You can fill out our online form or give us a call at 1.888.445.2793 for personalized assistance.
What types of coverage options are available for car insurance in Memphis?
Car insurance in Memphis typically includes liability, collision, comprehensive, uninsured/underinsured motorist, and more. We can help you explore suitable coverage options.
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Last Updated on by Brian Muse