- 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 Car Insurance 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
If you drive in Tennessee, you must carry liability insurance to cover damages in case of an accident. The state’s minimum liability coverage is often written as 25/50/25, which means:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
Why Does Tennessee Require Car Insurance?
Car accidents can be expensive, and most drivers can’t afford to pay thousands of dollars out of pocket for medical bills or property damage. Liability insurance ensures that if you cause an accident, your insurance covers the costs, protecting both you and other drivers on the road.
What Happens If You Drive Without Insurance in Tennessee?
- Fines of up to $300 for a first offense
- License suspension until proof of insurance is provided
- SR22 requirement for high-risk drivers, which increases insurance costs
Need Affordable Car Insurance in Tennessee?
Finding the right coverage doesn’t have to be complicated. Compare quotes today and get a policy that meets Tennessee’s legal requirements—without overpaying!
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
Tennessee law requires all drivers to carry at least liability insurance under the Tennessee Financial Responsibility Law. Failing to maintain proper car insurance can result in fines, license suspension, or even the loss of your vehicle registration.
What Happens If Your Registration is Suspended for Driving Without Insurance?
If your registration is suspended due to a lack of insurance, here’s how you can reinstate it:
- Obtain Auto Insurance – Secure a valid insurance policy that meets Tennessee’s minimum coverage requirements.
- File an SR22 (If Required) – If you are labeled a high-risk driver, your insurer must file an SR22 form with the state.
- Pay Coverage Failure Fees – Any outstanding penalties or fines related to your lapse in coverage must be paid.
- Pay the County Reinstatement Fee – Each county in Tennessee may have additional reinstatement costs for suspended registrations.
The Cost of Driving Without Insurance in Tennessee
- Fines up to $300 for a first offense
- SR22 requirement, leading to higher premiums
- Registration suspension, requiring additional fees to reinstate
Avoid Penalties—Get Insured Today
Don’t risk hefty fines or losing your registration. Get affordable car insurance in Tennessee today! Compare quotes now to find the best rate.
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 Car Insurance Rate?
If you have a traffic violation, accident, or insurance claim on your record, your car insurance premium will likely increase. Why? Insurance companies classify drivers with violations as higher risk, meaning they are more likely to file future claims. The higher the risk, the higher the cost.
However, these rate increases aren’t permanent. If you maintain a clean record, your rates will gradually decrease over time.
How to Lower Your Insurance After a Violation
- Keep a Clean Record – Most violations fall off your record in 3–5 years, reducing your rates.
- Complete a Defensive Driving Course – Some insurers offer discounts for taking state-approved driving courses.
- Compare Multiple Quotes – Each insurance provider assesses risk differently, so shopping around can help you find the best rate.
- Increase Your Deductible – Raising your deductible can lower your monthly premium.
Need affordable car insurance in Tennessee, even with violations? Get a free quote today and start saving!
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
Your Tennessee car insurance rate depends on several factors. Our insurance calculator helps estimate costs based on your coverage needs, driving history, vehicle type, and personal details.
Question 1: What Type of Coverage Do You Need?
- Liability-Only Coverage – Meets Tennessee’s minimum insurance requirements and covers damage you cause to others in an accident.
- Full Coverage – Includes liability plus collision and comprehensive insurance to cover damages to your vehicle, even if you’re at fault.
When Should You Choose Full Coverage?
- If You Have a Financed Vehicle – Lenders require full coverage until the car is paid off.
- If Your Car Is Older – If your car’s value is lower than your deductible + repair costs, full coverage may not be necessary.
Question 2: Do You Have Continuous Insurance Coverage?
- If you’ve had continuous insurance for at least six months, insurers consider this a positive rating factor.
- Maintaining consistent coverage signals financial responsibility, leading to lower premiums.
Question 3: What’s the Value of Your Vehicle?
- Insurers use your Vehicle Identification Number (VIN) to assess:
- The make, model, and year of your car.
- The cost of repairs and risk of theft.
- The accident history of your vehicle type.
Question 4: How Does Age Affect Your Rate?
Male drivers typically pay more than females because statistically, young men are more likely to be in accidents.
Young drivers (under 25) face higher insurance rates due to higher accident risk.
| 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 Brian Muse