- Cheapest Liability Insurance in Tennessee: All about Liability Insurance in TN
- TENNESSEE CAR INSURANCE REQUIREMENTS
- CHEAPEST LIABILITY INSURANCE IN TENNESSEE
- WHO HAS THE LOWEST LIABILITY PRICE? (BY CITY)
- TENNESSEE CAR INSURANCE LAWS
- Cost of SR22 Tennessee Liability Insurance
- HOW DO VIOLATIONS IMPACT YOUR RATE?
- DUI – TENNESSEE LIABILITY INSURANCE
- CHEAPEST LIABILITY INSURANCE IN TENNESSEE WITH FULL COVERAGE AND A CLEAN DRIVING RECORD
- TRY OUR TENNESSEE LIABILITY INSURANCE CALCULATOR
- Should I Upgrade To Full Coverage? Cost By City
- TENNESSEE LIABILITY INSURANCE DISCOUNTS! HOW TO SAVE YOU MONEY
- Frequently Asked Questions about the Cheapest Liability Insurance in Tennessee
- What is the cheapest liability insurance in Tennessee?
- How does A Plus Insurance find the most affordable rates?
- Questions about liability insurance? Call us at 1.888.445.2793.
- What We Do at A Plus Insurance
TENNESSEE CAR INSURANCE REQUIREMENTS
25/50/25 is the way Tennessee represents liability limits. To define that it is $25,000 per person in bodily injury up to $50,000 per occurrence AND $25,000 in property damage.
Why are there Tennessee Car Insurance Requirements? Well if someone were injured in the case of an accident, who is paying?
“Who has Twenty Five Grand to pay someone’s medical bills?”
The Answer? No one. Well no one except for the insurance company that can step in to help you shoulder the expense. Speaking of expense…
CHEAPEST LIABILITY INSURANCE IN TENNESSEE
| Carrier | Average Cost |
|---|---|
| Dairyland | $69 |
| Mendota Ins. Company | $87 |
| Geico | $89 |
| The General | $96 |
| Acceptance RTR | $99 |
| National General | $100 |
| Progressive Insurance | $102 |
| Nationwide | $116 |
| AssuranceAmerica | $118 |
| GAINSCO | $121 |
| State Auto | $121 |
| State Farm | $121 |
| USAA | $123 |
| Bristol West | $127 |
| Safeco | $129 |
WHO HAS THE LOWEST LIABILITY PRICE? (BY CITY)
| City | Company |
|---|---|
| Portland | Liberty Mutual |
| Farragut | Geico |
| Dyersburg | Geico |
| Greeneville | The General |
| Alcoa | Progressive |
| Harrison | Progressive |
| Union City | The General |
| Hartsville/Trousdale County | Geico |
| Murfreesboro | Geico |
| Hendersonville | National General |
| Bristol | Progressive |
| Johnson City | Progressive |
| Red Bank | Progressive |
| Mount Juliet | Progressive |
| Lenoir City | Dairyland* |
| Crossville | The General |
| Fairview | Liberty Mutual |
| Nashville-Davidson | The General |
| Soddy-Daisy | Progressive |
| Bloomingdale | Dairyland* |
| Arlington | The General |
| Smyrna | The General |
| Lakeland | Liberty Mutual |
| Signal Mountain | Progressive |
| Covington | Progressive |
| Brentwood | Geico |
| Lebanon | The General |
| Cookeville | Dairyland* |
| Maryville | Progressive |
| Oak Ridge | Farmers |
| McMinnville | Dairyland* |
| Memphis | Progressive |
| East Ridge | Liberty Mutual |
| Winchester | Progressive |
| Humboldt | The General |
| Dickson | Progressive |
| Nolensville | Progressive |
| Paris | Progressive |
| Manchester | Geico |
| Jackson | Geico |
| Clarksville | The General |
| Kingsport | Geico |
| Atoka | Dairyland* |
| White House | Progressive |
| Seymour | Progressive |
| Lawrenceburg | Bristol West |
| Gallatin | Progressive |
| Columbia | The General |
| Shelbyville | Farmers |
| Chattanooga | Geico |
| Spring Hill | Progressive |
| Middle Valley | Geico |
| Collierville | Progressive |
| Springfield | Progressive |
| Athens | The General |
| Bartlett | Geico |
| Elizabethton | Progressive |
| Franklin | Liberty Mutual |
| Knoxville | Progressive |
| Germantown | The General |
| Millington | Geico |
| Clinton | Geico |
| Brownsville | Liberty Mutual |
| Sevierville | Progressive |
| Collegedale | National General |
| Morristown | The General |
As seen in the chart above, the cost Liability Insurance in Tennessee will not set you back $50,000 for 6 months. The hope is you’ll never even need to draw on your insurance policy, but accidents happen. That’s why it is important to get covered.
“IT IS THE LAW”
TENNESSEE CAR INSURANCE LAWS
It is actually the Law to have at least liability insurance in Tennessee, at the limits discussed earlier. This is according to the Tennessee Financial Responsibility Law, or else you could face heavy fines or even losing your vehicle registration. This is verified for each and every single car.
What if your Registration is suspended due to operating the vehicle without proper insurance? How do you Reinstate it?
- Secure Auto Insurance.
- If Required, get an SR22 filing with you new Policy.
- Pay all coverage failure fees.
- Pay the County Reinstatement fee.
This violation could cost you, making your rate even higher than if you had insurance to start.
Cost of SR22 Tennessee Liability Insurance
| Carrier | Low End (Average) | High End (Average) |
|---|---|---|
| Progressive Insurance | $110.00 | $180.00 |
| National General | $90.00 | $145.00 |
| Bristol West | $110.00 | $180.00 |
| Dairyland | $100.00 | $145.00 |
| Geico | $110.00 | $180.00 |
| The General | $110.00 | $180.00 |
| Mendota Ins. Company | $110.00 | $180.00 |
| AssuranceAmerica | $110.00 | $180.00 |
| State Auto | $90.00 | $145.00 |
| State Farm | $70.00 | $120.00 |
| Acceptance RTR | $110.00 | $180.00 |
| Nationwide | $95.00 | $120.00 |
| Liberty Mutual | $85.00 | $115.00 |
| 21st Century | $110.00 | $200.00 |
| USAA | $90.00 | $110.00 |
| Allstate | $90.00 | $110.00 |
| Farmers | $105.00 | $160.00 |
| American Family | $100.00 | $155.00 |
| Safeco | $90.00 | $115.00 |
| GAINSCO | $110.00 | $200.00 |
| Travelers | $110.00 | $200.00 |
LOW END TO HIGH END FOR SR22 TENNESSEE LIABILITY INSURANCE
SR22 Filings are just that, a filing from your insurance company that you have insurance. It in and of itself is not insurance. But simply a filing which costs anywhere from $15 to $25 depending on the carrier.
“Then why are the prices so high for A Policy with an SR22?” Well, it is due to the violations associated with your record.
Below are examples of these violations that can dramatically impact your rate.
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
|---|---|---|
| Using a Cell Phone with Driving | Minor | 3 Years |
| Crossing over a Center Divider | Minor | 3 Years |
| Speeding | Minor | 3 Years |
| No Proof of insurance | Non Moving | NA* |
| At Fault Accident | Major | 5 Years |
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
| Failure to Use a Seat Belt | Non Moving | NA* |
| Driving without a License | Major | 3 Years |
| Failure to Stop for a Pedestrian Side walk | Minor | 3 Years |
VIOLATIONS IMPACT
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance Rates |
|---|---|---|
| Failure to maintain Clear Distance (tailgating) | Minor | 3 Years |
| Running a Traffic Light or Stop Sign | Minor | 3 Years |
| Failure to Use Turn Signal | Minor | 3 Years |
| Improper Lane use | Minor | 3 Years |
| Driving without a License | Major | 3 Years |
| Failure to Use a Seat Belt | Non Moving | NA* |
| Failure to Yield | Minor | 3 Years |
| Expired Tags | Non Moving | NA* |
| At Fault Accident | Major | 5 Years |
| Non-At-Fault Acccident | Minor | NA* |
| Parking | Non Moving | NA* |
| DUI | Major | 10 Years |
| Failure to Secure Load to truck/trailer | Minor | 3 Years |
| Reckless Driving | Major | 5 Years |
MORE VIOLATIONS AND THEIR IMPACT
HOW DO VIOLATIONS IMPACT YOUR RATE?
With a violation/accident/claim on your record, it could result in a higher monthly premium. Why is that? To put it simply, an individual with a ‘record’ is riskier to insure. And the higher the risk, the higher the cost.
Essentially, using the data, the insurance company is bracing to help you shoulder another incident. And thus they require more skin in the game. BUT! As the charts above show, it is not forever. If your record is kept clean your prices will plummet. Here are the costs of different types of the cheapest liability insurance in Tennessee with differing violations.
DUI – TENNESSEE LIABILITY INSURANCE
| Carrier | Average Cost |
|---|---|
| 21st Century | $155 |
| Mendota Ins. Company | $155 |
| AssuranceAmerica | $159 |
| Dairyland | $168 |
| GAINSCO | $169 |
| The General | $170 |
| Bristol West | $178 |
| Progressive Insurance | $182 |
| Geico | $183 |
| Nationwide | $186 |
| Allstate | $187 |
| National General | $189 |
| Acceptance RTR | $190 |
| State Farm | $200 |
| Liberty Mutual | $209 |
For Liability only! But with violations like a DUI.
CHEAPEST LIABILITY INSURANCE IN TENNESSEE WITH FULL COVERAGE AND A CLEAN DRIVING RECORD
| Carrier | Average Cost |
|---|---|
| Dairyland | $125 |
| Progressive Insurance | $128 |
| 21st Century | $133 |
| Bristol West | $140 |
| The General | $146 |
| AssuranceAmerica | $148 |
| Acceptance RTR | $149 |
| Mendota Ins. Company | $151 |
| GAINSCO | $158 |
| Geico | $158 |
| Nationwide | $162 |
| National General | $168 |
| Allstate | $181 |
| Farmers | $181 |
| State Farm | $186 |
For FULL COVERAGE and with a clean driving record!
The lesson here is simple, get covered! At the very least with liability insurance so that you are legal on the roads of Nashville or Memphis. Don’t risk it, because the biscuit ain’t worth it.
Another BIG take away from this discussion is that if you are looking for the cheapest liability insurance in Tennessee you are going to keep your driving record as clean as you can! In fact, give our Tennessee Liability Insurance Calculator a whirl to see what you will pay!
TRY OUR TENNESSEE LIABILITY INSURANCE CALCULATOR
Each option contributes to the rate being higher or lower
QUESTION 1: What Type of Coverage do you want? Liability Only or full Coverage? What do these mean?
Liability Only is opting for the the Tennessee car insurance requirement, though you can choose higher limits. This covers others if you hit them.
Full Coverage is adding Comprehensive and Collision to your policy. So if your vehicle is hit in an collision the insurance company will help with the cost of repairs, minus your deductible. And if your car is vandalized, experiences weather damage, or hits an animal your carrier will help you shoulder.
BONUS: When should I get full coverage?
Financed Vehicle. Are you making payments on the vehicle? Well you will be required to carry full coverage in the case of a complete loss.
Clunker Cars. If your car is worth less than the deductible to repair the car, it may be pointless to have Comp/Coll added to your policy. So if your old clunker is worth $1,500 and your deductible is $1,000 it’s bound to be totaled out in the case of an accident.
QUESTION 2: Do you have continuous insurance for the past 6 months? And why?
Financially Responsible Rating Factor. If you have current insurance the carrier views this as a ‘positive rating factor’. Meaning you are stable and financially responsible. Getting and keeping insurance saves you big.
QUESTION 3: What is the Approximate value of your vehicle?
VIN. That is why we always need the VIN for your auto, or VEHICLE IDENTIFICATION NUMBER. This helps carriers to determine exactly what vehicle they are insuring as well as it’s past. Now certain cars are going to cost more than others due to the cost to repair, the likely of accidents or theft with that particular model, and the vehicles specific history.
QUESTION 4: Your Age?
STATISTICS DON’T LIE. Your age plays a big role in the rate that you end up with. Why is that?! Well, statistically speaking a young adult is three times as likely to get in an accident than their counterpart over the age of 25. Those are the facts… especially if you are a young male. Compare the rate for Tennessee Liability Insurance only MALE VS FEMALE.
| Carrier | Average Cost |
|---|---|
| Dairyland | $154 |
| Progressive Insurance | $159 |
| Bristol West | $163 |
| The General | $163 |
| Geico | $165 |
MALE RATES
| Carrier | Average Cost |
|---|---|
| Dairyland | $131 |
| Mendota Ins. Company | $132 |
| National General | $139 |
| Bristol West | $140 |
| GAINSCO | $140 |
FEMALE RATES
Should I Upgrade To Full Coverage? Cost By City
| City | Average Price |
|---|---|
| Cookeville | $182 |
| Knoxville | $165 |
| Seymour | $157 |
| Spring Hill | $168 |
| Brentwood | $174 |
| Lakeland | $166 |
| Portland | $162 |
| Clarksville | $165 |
| East Ridge | $164 |
| Dickson | $174 |
| Bartlett | $158 |
| South Cleveland | $158 |
| Springfield | $181 |
| Brownsville | $169 |
| Smyrna | $149 |
| Farragut | $173 |
| Greeneville | $162 |
| Lawrenceburg | $151 |
| Jackson | $149 |
| Arlington | $159 |
| Murfreesboro | $150 |
| Athens | $154 |
| Germantown | $182 |
| Covington | $175 |
| Sevierville | $165 |
| Fairfield Glade | $173 |
| Gallatin | $179 |
| Hendersonville | $147 |
| Memphis | $166 |
| Kingsport | $165 |
| Clinton | $170 |
| Soddy-Daisy | $153 |
| White House | $156 |
| Signal Mountain | $179 |
| Shelbyville | $147 |
| Harrison | $158 |
| Paris | $149 |
| Lenoir City | $148 |
| Crossville | $158 |
| Collierville | $178 |
| Cleveland | $180 |
| Oak Ridge | $175 |
| Millington | $175 |
| McMinnville | $163 |
| Lewisburg | $175 |
| Johnson City | $168 |
| Red Bank | $182 |
| Bristol | $147 |
| Columbia | $157 |
| Elizabethton | $176 |
| Nolensville | $182 |
| Bloomingdale | $174 |
| Union City | $146 |
| Morristown | $171 |
| Goodlettsville | $161 |
| Collegedale | $153 |
| Chattanooga | $167 |
| Manchester | $160 |
| Alcoa | $179 |
TENNESSEE LIABILITY INSURANCE DISCOUNTS! HOW TO SAVE YOU MONEY
| Impact on Rates | Discounts Available |
|---|---|
| Mild | Married |
| High | No Accidents or Violations |
| Mild | Paperless Discount |
| Very High | Continuous Insurance |
| High | Auto Pay |
| Mild | Military |
| High | Advanced Quote |
| High | Paid in Full |
| Mild | Education Discount |
TYPICAL DISCOUNT IMPACT
Frequently Asked Questions about the Cheapest Liability Insurance in Tennessee
What is the cheapest liability insurance in Tennessee?
The cheapest liability insurance in Tennessee varies based on individual factors. A Plus Insurance can help you find the best rates by shopping multiple carriers. Contact us to get personalized quotes tailored to your needs.
How does A Plus Insurance find the most affordable rates?
A Plus Insurance shops multiple carriers to find you the most affordable liability insurance rates in Tennessee. Our goal is to provide you with options that fit your budget while offering adequate coverage.
Questions about liability insurance? Call us at 1.888.445.2793.
If you have any questions or need assistance with finding the cheapest liability insurance in Tennessee, call us at 1.888.445.2793. Our dedicated team is here to provide expert guidance and support.
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Last Updated on by Amanda Moss