Find Cheap Car Insurance in Tennessee
Get affordable, reliable coverage that meets Tennessee state requirements. Compare quotes from top providers and save on your auto insurance today.
Why Choose A Plus Insurance for Car Insurance in Tennessee
Access to Multiple Insurance Providers
We work with a network of trusted insurance companies across Tennessee, giving you access to competitive rates and comprehensive coverage options. Unlike dealing with a single provider, we compare multiple quotes to find you the best value for your specific needs.
Expert Guidance on Tennessee Requirements
Understanding Tennessee’s car insurance laws can be confusing. Our experienced agents help you navigate the requirements, ensuring you have adequate coverage without paying for unnecessary extras. We’ll explain the difference between liability, comprehensive, and collision coverage in simple terms.
Personalized Service & Ongoing Support
From your initial quote to filing claims, we’re here to help. Our team provides personalized service tailored to Tennessee drivers’ unique needs. Whether you’re in Nashville, Memphis, Knoxville, or anywhere else in the state, we’re your local insurance experts.
Tennessee Car Insurance Requirements
Tennessee law requires all drivers to carry minimum liability insurance coverage. Understanding these requirements is essential for legal driving in the state.
Minimum Liability Coverage in Tennessee
| Coverage Type | Minimum Requirement | What It Covers |
|---|---|---|
| Bodily Injury (per person) | $25,000 | Medical expenses for one person injured in an accident you cause |
| Bodily Injury (per accident) | $50,000 | Total medical expenses for all people injured in an accident you cause |
| Property Damage | $15,000 | Damage to another person’s property in an accident you cause |
While these are the legal minimums, many drivers opt for higher limits to better protect their assets. Our agents can help you determine the right coverage levels for your situation.
Additional Recommended Coverage
Beyond the state minimums, consider these additional coverage options for better protection:
Uninsured/Underinsured Motorist Coverage
Protects you if you’re in an accident with a driver who has no insurance or insufficient coverage. Tennessee has a relatively high rate of uninsured drivers, making this coverage particularly valuable.
Comprehensive & Collision Coverage
While not required by law, these coverages protect your own vehicle. Comprehensive covers non-collision damage (theft, weather, etc.), while collision covers damage from accidents regardless of fault.
Tennessee Car Insurance Cost Analysis
Understanding average insurance costs across Tennessee can help you evaluate your current rates and find potential savings.
Factors Affecting Your Tennessee Car Insurance Rates
Several factors influence how much you’ll pay for car insurance in Tennessee:
- Driving Record: Clean records typically qualify for lower premiums
- Vehicle Type: Newer, more expensive cars generally cost more to insure
- Location: Urban areas like Memphis and Nashville often have higher rates due to traffic density
- Coverage Levels: Higher limits and additional coverage types increase premiums
- Credit History: In Tennessee, insurers may use credit-based insurance scores to determine rates
- Age & Experience: Younger, less experienced drivers typically pay more
Frequently Asked Questions About Car Insurance in Tennessee
The cheapest car insurance in Tennessee varies by driver, as rates depend on individual factors like driving history, vehicle type, and location. However, companies like Progressive, GEICO, and State Farm often offer competitive rates for Tennessee drivers. The best way to find the cheapest option for your situation is to compare quotes from multiple providers.
There are several ways to find affordable car insurance in Tennessee:
- Compare quotes from multiple providers
- Ask about available discounts (multi-policy, safe driver, etc.)
- Consider raising your deductible
- Maintain a clean driving record
- Bundle your auto insurance with other policies like homeowners insurance
Driving without insurance in Tennessee can result in serious consequences, including fines, license suspension, and vehicle registration revocation. First-time offenders may face a $300 fine and could be required to file an SR-22 form to prove future financial responsibility.
While Tennessee doesn’t require uninsured motorist coverage, it’s highly recommended. Approximately 20% of Tennessee drivers are uninsured, making this coverage valuable protection if you’re involved in an accident with an uninsured driver.
In Tennessee, insurance companies can use credit-based insurance scores as one factor in determining premiums. Generally, drivers with better credit scores may qualify for lower rates. However, your driving record, claims history, and other factors also significantly impact your premium.
Common discounts for car insurance in Tennessee include:
- Multi-policy discount (bundling auto with home or other insurance)
- Multi-vehicle discount
- Safe driver discount
- Good student discount
- Defensive driving course discount
- Vehicle safety features discount
- Paperless billing or automatic payment discounts
Additional Insurance Services in Tennessee
Beyond car insurance, we offer a range of insurance products to meet all your protection needs:
Homeowners Insurance
Protect your home and belongings with comprehensive coverage tailored to Tennessee homeowners. From standard policies to specialized coverage for unique risks, we’ll find the right protection for your property.
Motorcycle & Recreational Vehicle Insurance
Whether you ride a motorcycle, ATV, or own an RV, we offer specialized coverage options to protect your recreational vehicles on Tennessee roads and beyond.
Business Insurance
Protect your Tennessee business with comprehensive coverage options including liability, property, and commercial auto insurance tailored to your specific industry and risks.
Specialized Coverage Options
We also provide specialized insurance solutions including non-owner car insurance, SR-22 filings, and coverage for high-risk drivers who need to meet Tennessee’s financial responsibility requirements.
Last Updated on by Brian Muse