KEYWORDS in [STATE]

Cheapest Liability Insurance in Tennessee: All about Liability Insurance in TN

KEYWORDS KEYWORDS KEYWORDS!!!

Minimum Liability Requirements for TN is 25/50/15

What does this figure represent? How much does this cost? Do I even need insurance? This and so much more will be answered when it comes to Tennessee Liability Insurance.

By Marlon Moss | Licensed Agent/CSR at Learnandserve.org | Powered by A Plus Insurance

TENNESSEE CAR INSURANCE REQUIREMENTS

25/50/15 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 $15,000 in property damage.

cheapest liability insurance in tennessee
With these Liability Limits are are legal to drive in Tennessee

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

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
Cheapest Liability Insurance In Tennessee

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?

  1. Secure Auto Insurance.
  2. If Required, get an SR22 filing with you new Policy.
  3. Pay all coverage failure fees.
  4. 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

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 NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Using a Cell Phone with DrivingMinor3 Years
Crossing over a Center DividerMinor3 Years
SpeedingMinor3 Years
No Proof of insuranceNon MovingNA*
At Fault AccidentMajor5 Years
Running a Traffic Light or Stop SignMinor3 Years
Failure to Use a Seat BeltNon MovingNA*
Driving without a LicenseMajor3 Years
Failure to Stop for a Pedestrian Side walkMinor3 Years
VIOLATIONS IMPACT
pexels brett sayles 2902372 1
2022 cheapest liability insurance in tennessee

And a few more violations!

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Failure to maintain Clear Distance (tailgatingMinor3 Years
Running a Traffic Light or Stop SignMinor3 Years
Failure to Use Turn SignalMinor3 Years
Improper Lane useMinor3 Years
Driving without a LicenseMajor3 Years
Failure to Use a Seat BeltNon MovingNA*
Failure to YieldMinor3 Years
Expired TagsNon MovingNA*
At Fault AccidentMajor5 Years
Non-At-Fault AcccidentMinorNA*
ParkingNon MovingNA*
DUIMajor10 Years
Failure to Secure Load to truck/trailerMinor3 Years
Reckless DrivingMajor5 Years
MORE VIOLATIONS AND THEIR IMPACT

HOW DO VIOLATIONS IMPACT YOUR RATE?

With a violations/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 you 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

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.

VERSUS

CHEAPEST LIABILITY INSURANCE IN TENNESSEE WITH FULL COVERAGE AND A CLEAN DRIVING RECORD

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. Thems the facts… especially if you are a young male. Compare the rate for Tennessee Liability Insurance only MALE VS FEMALE.

Dairyland$154
Progressive Insurance$159
Bristol West$163
The General$163
Geico$165
MALE RATES

VS

Dairyland$131
Mendota Ins. Company$132
National General$139
Bristol West$140
GAINSCO$140
FEMALE RATES

With all of this data pulled together we have a close estimate of your rate! Try it out for yourself below:

Insurance Cost Estimator


Should I Get Full CoverageCalculator

With all this talk on Liability Only Insurance, we’ve only just glossed over Full Coverage. This Box can help you answer this crucial coverage question.

pexels mike b 170811
2022 cheapest liability insurance in tennessee

WE HERE AT A PLUS INSURANCE CAN HELP YOU FIND THE CHEAPEST LIABILITY INSURANCE IN TENNESSE

OTHER INSURANCE TYPES WE CARRY

pexels andrea piacquadio 3791129
SEARCHING FOR INSURANCE CAN BE CRRRRAAAAZY!

We can be your ONE-STOP-SHOP for all of your Insurance needs, below is a sampling of the different lines of insurance that we can write.

Type of Coverage – TNOur Top Companies
Boat InsuranceTravelers, Progressive
Commercial Auto InsuranceProgressive
Renters InsuranceASI, Foremost
Car InsuranceProgressive, Dairyland,
Business InsuranceBTIS, Hiscox
Home InsuranceTravelers, ASI, Foremost Star
Motorcycle InsuranceDairyland, Progressive
TENNESSEE LIABILITY INSURANCE AND MORE

TENNESSEE LIABILITY INSURANCE DISCOUNTS! HOW TO SAVE YOU MONEY

Impact on ratesDiscounts Available
MildMarried
HighNo Accidents or Violations
MildPaperless Discount
Very HighContinuous Insurance
HighAuto Pay
MildMilitary
HighAdvanced Quote
HighPaid in Full
MildEducation Discount
TYPICAL DISCOUNT IMPACT
IMPACTProgressiveDairyland
HighAdvanced QuoteNA
HighPaid in FullPaid in Full
HighAuto PayAuto Pay
MildMulti PolicyMulti Policy
MildMulti VehicleMulti Vehicle
MildMarriedMarried
HighNo Accidents or ViolationsNo Accidents or Violations
Very HighContinuous InsuranceContinuous Insurance
MildHomeownersHomeowners
MildMilitaryMilitary
MildEducation DiscountNA
MildPaperless DiscountNA
BY COMPANY DISCOUNTS

Insurance Discount Calculator


OTHER HELPFUL LINKS: SUGGESTIONS

Last Updated on by Marlon Moss