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

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

CarrierAverage 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
Cheapest Liability Insurance In Tennessee

WHO HAS THE LOWEST LIABILITY PRICE? (BY CITY)

CityCompany
PortlandLiberty Mutual
FarragutGeico
DyersburgGeico
GreenevilleThe General
AlcoaProgressive
HarrisonProgressive
Union CityThe General
Hartsville/Trousdale CountyGeico
MurfreesboroGeico
HendersonvilleNational General
BristolProgressive
Johnson CityProgressive
Red BankProgressive
Mount JulietProgressive
Lenoir CityDairyland*
CrossvilleThe General
FairviewLiberty Mutual
Nashville-DavidsonThe General
Soddy-DaisyProgressive
BloomingdaleDairyland*
ArlingtonThe General
SmyrnaThe General
LakelandLiberty Mutual
Signal MountainProgressive
CovingtonProgressive
BrentwoodGeico
LebanonThe General
CookevilleDairyland*
MaryvilleProgressive
Oak RidgeFarmers
McMinnvilleDairyland*
MemphisProgressive
East RidgeLiberty Mutual
WinchesterProgressive
HumboldtThe General
DicksonProgressive
NolensvilleProgressive
ParisProgressive
ManchesterGeico
JacksonGeico
ClarksvilleThe General
KingsportGeico
AtokaDairyland*
White HouseProgressive
SeymourProgressive
LawrenceburgBristol West
GallatinProgressive
ColumbiaThe General
ShelbyvilleFarmers
ChattanoogaGeico
Spring HillProgressive
Middle ValleyGeico
ColliervilleProgressive
SpringfieldProgressive
AthensThe General
BartlettGeico
ElizabethtonProgressive
FranklinLiberty Mutual
KnoxvilleProgressive
GermantownThe General
MillingtonGeico
ClintonGeico
BrownsvilleLiberty Mutual
SeviervilleProgressive
CollegedaleNational General
MorristownThe 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?

  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

CarrierLow 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 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

Violation NameMajor, Minor, or Non MovingHow Long it Will Affect Your Insurance Rates
Failure to maintain Clear Distance (tailgating)Minor3 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 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

CarrierAverage 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

CarrierAverage 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.

CarrierAverage Cost
Dairyland$154
Progressive Insurance$159
Bristol West$163
The General$163
Geico$165

MALE RATES

CarrierAverage 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

CityAverage 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 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

Use An Insurance Broker!

Using an insurance broker, like A Plus Insurance, for your insurance needs offers several advantages. Here are five key reasons:

Expert Advice and Personalized Service
Access to a Wide Range of Products
Time and Cost Savings
Ongoing Support and Review
Risk Management and Education

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

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