Car Insurance Quote Guide for Memphis, TN

Discover the best coverage for your vehicle in Memphis! At A Plus Insurance, our tailored car insurance quotes ensure your peace of mind. Call now for a free personalized quote!

Tennessee State Liability Requirements

Required Liability Coverage:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$25,000 property damage liability per accident
Uninsured Motorist Coverage: Rejection Form
Medical Payments: Rejection Form

What is the Cheapest Insurance for Male Drivers in Memphis, TN?

Male drivers in Memphis, TN, often find the most affordable auto insurance rates with companies like Progressive and Assurance America. These insurers are known for their competitive pricing, particularly for male drivers.

A recent survey indicates that male drivers in Memphis can expect average savings of up to 15% when opting for these providers. 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 CarrierAvg. 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 Memphis, TN

For the best full coverage car insurance in Memphis, TN, Bristol West and Progressive are top choices. They provide comprehensive policies that cover a wide range of incidents, ensuring maximum protection for drivers.

Data shows that customers choosing these insurers enjoy extensive coverage including collision, liability, and uninsured motorist protection, often at rates lower than industry averages. Full coverage policies from these companies are particularly valued for their balance of cost and coverage, making them ideal for Memphis drivers seeking thorough protection.

Insurance Carrier in MemphisAvg. 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

Young drivers in Memphis, TN, can secure affordable car insurance through providers like Dairyland and The General. These companies specialize in policies for younger drivers, offering rates that are often more accessible than their competitors.

Studies indicate that young drivers can benefit from up to 20% lower premiums with these insurers. Additionally, both companies provide educational resources and incentives for safe driving, further helping young drivers to reduce their insurance costs over time.

Insurance CarrierAvg. 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?

Drivers in Memphis, TN, with a clean driving record often find the lowest insurance costs with Progressive and National General. These insurers reward safe driving with significant discounts, resulting in lower premiums for those without accidents or violations. Reports highlight that drivers with clean records can avail discounts up to 25% on their premiums with these providers, making them an excellent choice for conscientious drivers seeking financial rewards for their safe driving habits.

Insurance CarrierAverage 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

Finding the Cheapest Car Insurance Quotes Memphis: Good Credit Holders

Good credit holders in Memphis, TN, can find particularly affordable car insurance with Suncoast and Allstate subsidiary National General. These companies offer favorable rates to individuals with strong credit histories, acknowledging their financial reliability.

Analysis reveals that drivers with good credit can enjoy reductions in premiums by as much as 30%, highlighting the financial benefit of maintaining a strong credit score in relation to car insurance costs.

Insurance CarrierAverage 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

Homeowners in Memphis, TN, looking for car insurance discounts can turn to providers like Progressive and National General for the best deals. These insurers offer bundled discounts for clients who combine their home and auto insurance policies.

Comparative data shows that homeowners can save up to 20% on their car insurance premiums by opting for these bundle deals. The convenience of managing fewer policies and the financial benefits make these options highly attractive for Memphis homeowners.

Insurance CompanyAverage 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​

Start by reaching out to us, either online, by phone, or in person. Provide basic personal and vehicle information to initiate the quote process.

02.

Details

Provide more detailed information about your driving history, the vehicle you wish to insure, and any specific coverage needs or preferences you have

03.

Quote

We will process your information and present you with a customized insurance quote, outlining coverage options and prices tailored to your needs.

04.

Decision

Review the provided quote at your leisure. If you decide to proceed, you can finalize the policy, setting up payment and coverage start dates.

Lowest Cost Insurance Options for Bad Credit Holders in Memphis, TN

For Memphis, TN, residents with bad or poor credit, finding low-cost insurance options is viable with insurers like Mendota and Assurance America. These companies offer policies tailored to drivers with less-than-perfect credit, focusing on factors other than credit scores to determine rates.

Recent market analysis indicates that drivers with poor credit can still access reasonable insurance rates, with potential savings of up to 15% compared to standard premiums for similar coverage from other insurers.

Insurance CarriersAvg. 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

Why does my Memphis zip code affect my car insurance rates?

In Memphis, various factors significantly impact the cost of auto insurance rates. The city’s unique weather conditions, crime rates, population density, and demographics each play a crucial role in determining insurance premiums. Here’s a detailed look at how these factors affect auto insurance costs in Memphis:

  1. Weather and Climate: Memphis experiences a humid subtropical climate, which includes hot summers and mild winters. This type of climate can lead to more frequent use of vehicles, potentially increasing the risk of accidents. Additionally, Memphis is prone to severe weather events like thunderstorms and occasional tornadoes, which can lead to higher claims for weather-related vehicle damage.
  2. Crime Rates: The crime rate in Memphis, particularly vehicle theft and break-ins, is relatively high compared to other cities. This increased risk necessitates higher insurance premiums as insurers cover the greater likelihood of theft and vandalism claims.
  3. Population Density: Memphis is the largest city in Tennessee in terms of population. High population density often leads to congested roads, increasing the likelihood of accidents and, consequently, higher insurance rates.
  4. Demographics: The demographic composition, including the age distribution of drivers, also influences insurance rates. Younger, less experienced drivers, who are statistically more likely to be involved in accidents, can drive up average insurance costs.
  5. Economic Factors: Economic factors such as the average income levels in Memphis can affect insurance rates. Lower income levels might lead to higher numbers of uninsured or underinsured motorists, impacting the overall risk assessment for insurers.

These factors combined create a unique insurance landscape in Memphis, influencing how insurance companies calculate premiums for drivers in the area.

ZIP CODES IN MEMPHIS, TN

  • 38016
  • 38018
  • 38103
  • 38104
  • 38105
  • 38106
  • 38107
  • 38108
  • 38109
  • 38111
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Don’t give up…we can help you find affordable rates, need an SR-22? We got you!

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Motorcycles, RVs, ATVs, life insurance, you name it…we can help!

Top models known for their lower insurance costs:

Certain cars are cheaper to insure due to factors like safety ratings, repair costs, theft rates, and overall risk. Vehicles with advanced safety features, good crash-test ratings, and lower repair expenses tend to have lower insurance premiums. Additionally, cars less prone to theft or with moderate engine power often come with cheaper insurance rates.

Honda CR-V
Subaru Outback
Ford Escape
Jeep Wrangler
Toyota RAV4
Chevrolet Equinox

WORST CARS known for their higher insurance costs

Certain cars command higher insurance premiums due to factors like high repair costs, increased theft rates, powerful engines, and elevated accident risks. These vehicles often include luxury cars, high-performance models, and some electric vehicles, contributing to pricier insurance rates.

Mercedes-Benz S-Class
BMW M4
Audi R8
Tesla Model S
Dodge Charger Hellcat
Ford Mustang Shelby GT500

SR22 Insurance Process in Memphis

01.

Consultation​

We gather detailed information, ensuring you have all the facts before making a decision.

02.

Quote

Receive your SR22 insurance quote, customized to your unique needs and credit profile

03.

Filing

We work closely with the insurance carrier to ensure that the sr22 is filed with the state

04.

Policy Management

Our policy service doesn’t end once the documents are signed. We’re here for you, month to month.

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 Veronica Moss

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