- Other Services We Have To Offer
- Introduction to Insurance Quotes in Tennessee
- Navigating Liability-Only Auto Insurance in Tennessee
- Tennessee State Minimum Liability Requirements for Car Insurance
- Securing Full Coverage Auto Insurance in Tennessee
- Insurance Quotes for High-Risk Drivers in Tennessee
- How to Maximize Discounts on Tennessee Insurance Quotes
- Motorcycle Insurance Quotes in Tennessee
- Renters Insurance in Tennessee: What You Need to Know
- Get the Right Coverage for Your Home in Tennessee
- Business Insurance in Tennessee: Find the Right Coverage for Your Company
- Why Bundle Insurance Policies in Tennessee?
- How To Get Insurance Quotes in Tennessee
- Frequently Asked Questions about Insurance Quotes in Tennessee
- What Factors Affect Insurance Quotes in Tennessee?
- How Can I Get the Best Insurance Quote in Tennessee?
- Is Full Coverage Auto Insurance Required in Tennessee?
- How do I get a free Auto Insurance quote in Tennessee?
- What We Do at A Plus Insurance
Other Services We Have To Offer
Introduction to Insurance Quotes in Tennessee
Looking for insurance quotes in Tennessee? You’re in the right place! Whether you’re in Memphis, Nashville, or anywhere in between, we’re here to help you navigate the world of auto, home, or motorcycle insurance with ease.
Tennessee offers a wide range of policy options, but finding the right one doesn’t have to feel like solving a puzzle. Wondering where to start? Here’s what you need to know:
- Auto Insurance: Required by law, with minimum liability coverage of 25/50/25.
- Home Insurance: Protects your property from unexpected events like storms or theft.
- Motorcycle Insurance: Essential for riders, offering both liability and collision coverage.
No matter your location or needs, getting the right insurance can be simple and stress-free. Ready to find a policy that fits your lifestyle and budget? Get your free Tennessee insurance quote today!
Navigating Liability-Only Auto Insurance in Tennessee
Wondering what liability-only auto insurance in Tennessee covers? Let’s break it down. Liability-only insurance is the most basic coverage required by Tennessee law. It protects you if you’re at fault in an accident by covering damages or injuries to others, but it doesn’t cover repairs to your own vehicle.
Here’s what you need to know:
- What’s Covered:
- Bodily injury to others (up to your policy limits).
- Property damage you cause to someone else’s vehicle or property.
- What’s Not Covered:
- Repairs to your car after an accident.
- Theft, vandalism, or damage from natural disasters.
Liability-only insurance can be a great option if you’re driving an older car or looking to keep your premiums low. But is it enough for you? Consider your driving habits, vehicle value, and financial situation before deciding.
Need help finding affordable liability-only auto insurance in Tennessee? Get a free quote today and see how much you could save!
Tennessee State Minimum Liability Requirements for Car Insurance
Do you know the minimum liability insurance requirements in Tennessee? To drive legally, the state requires at least 25/50/25 coverage:
- $25,000 for bodily injury per person.
- $50,000 for bodily injury per accident.
- $25,000 for property damage.
This basic liability coverage protects you if you’re at fault in an accident by covering:
- Bodily Injury Liability: Medical bills, lost wages, or legal fees for others injured in the accident.
- Property Damage Liability: Repairs or replacement costs for damaged property, like another driver’s car or a fence.
But remember, liability insurance doesn’t cover your own injuries or vehicle repairs. For that, you’d need additional coverage like collision or comprehensive insurance.
Driving without the minimum liability insurance in Tennessee can lead to fines, license suspension, or even vehicle impoundment. Need affordable liability coverage that meets state requirements? Get a free Tennessee car insurance quote today!
| Insurance Quotes in Tennessee – Liability Only by City | |
| City | Price |
| Nashville-Davidson | $94.00 |
| Knoxville | $108.00 |
| Arlington | $97.00 |
| Sevierville | $108.00 |
| Humboldt | $90.00 |
| Athens | $97.00 |
| Collegedale | $90.00 |
| Fairview | $103.00 |
| Clarksville | $104.00 |
| La Vergne | $102.00 |
| Hendersonville | $102.00 |
| Shelbyville | $101.00 |
| Cleveland | $97.00 |
| Dyersburg | $98.00 |
| Murfreesboro | $89.00 |
| Franklin | $105.00 |
| Cookeville | $109.00 |
| Lakeland | $109.00 |
| Goodlettsville | $95.00 |
| Winchester | $100.00 |
| Bartlett | $105.00 |
| Clinton | $101.00 |
| East Ridge | $106.00 |
| Tullahoma | $95.00 |
| Paris | $108.00 |
| Red Bank | $102.00 |
| White House | $105.00 |
| Bloomingdale | $94.00 |
| Martin | $89.00 |
| Millington | $104.00 |
| Nolensville | $91.00 |
| Harrison | $86.00 |
| Lawrenceburg | $92.00 |
| Memphis | $103.00 |
| Johnson City | $103.00 |
| Farragut | $92.00 |
| Alcoa | $93.00 |
| Dickson | $93.00 |
| Atoka | $108.00 |
| Manchester | $100.00 |
| Chattanooga | $101.00 |
| Collierville | $90.00 |
| Maryville | $96.00 |
| Union City | $97.00 |
| Brentwood | $92.00 |
| Seymour | $102.00 |
Securing Full Coverage Auto Insurance in Tennessee
What Does Full Coverage Auto Insurance in Tennessee Include?
Are you looking for full coverage auto insurance in Tennessee? Full coverage isn’t a specific policy but a combination of essential coverages that protect you and your vehicle. Here’s what it typically includes:
- Liability Insurance – Required by Tennessee law, this covers bodily injury and property damage you cause to others in an accident.
- Collision Insurance – Pays for repairs to your vehicle if it’s damaged in an accident, regardless of who is at fault.
- Comprehensive Insurance – Covers non-collision incidents such as theft, vandalism, fire, floods, hail, and animal collisions.
Additional Coverages to Consider
Want extra protection? Here are optional coverages that can enhance your policy:
- Uninsured/Underinsured Motorist Coverage – Protects you if an at-fault driver has little or no insurance.
- Medical Payments Coverage (MedPay) – Helps pay medical bills for you and your passengers after an accident.
- Personal Injury Protection (PIP) – Covers medical expenses, lost wages, and even funeral costs in some cases.
- Gap Insurance – Helps cover the difference if your car is totaled and you owe more than its current value.
- Rental Reimbursement – Pays for a rental car while your vehicle is being repaired.
- Roadside Assistance – Covers services like towing, battery jumps, and flat tire changes.
- Custom Parts & Equipment Coverage – Protects modifications or upgrades to your vehicle.
- Rideshare Coverage – If you drive for Uber or Lyft, this fills gaps in coverage between your personal insurance and the rideshare company’s policy.
How Much Does Full Coverage Auto Insurance Cost in Tennessee?
The cost of full coverage auto insurance varies based on factors like your driving history, location, and vehicle type. Comparing quotes can help you find the best rate for your needs.
Do You Need Full Coverage Auto Insurance?
While liability insurance is required in Tennessee, full coverage is optional but highly recommended—especially if you have a newer vehicle or a loan. It provides financial security against accidents, theft, and natural disasters.
Get a Free Full Coverage Auto Insurance Quote
Need affordable full coverage auto insurance in Tennessee? Contact us today for a free quote and find the right protection for your vehicle!
| Insurance Quotes in Tennessee – Full Coverage by City | |
| City | Price |
| Murfreesboro | $179 |
| Chattanooga | $176 |
| Fairview | $151 |
| Sevierville | $165 |
| Winchester | $174 |
| Portland | $155 |
| Bartlett | $162 |
| Bloomingdale | $152 |
| Seymour | $164 |
| Lakeland | $159 |
| Elizabethton | $154 |
| Knoxville | $171 |
| Lewisburg | $157 |
| White House | $175 |
| Crossville | $161 |
| Covington | $151 |
| Signal Mountain | $167 |
| Harrison | $181 |
| Goodlettsville | $152 |
| Dyersburg | $160 |
| Oak Ridge | $155 |
| Nashville-Davidson | $151 |
| Collierville | $149 |
| Brentwood | $161 |
| McMinnville | $167 |
| Mount Juliet | $176 |
| Fairfield Glade | $175 |
| Kingsport | $180 |
| Nolensville | $162 |
| Martin | $152 |
| Atoka | $166 |
| Greeneville | $148 |
| Humboldt | $154 |
| Soddy-Daisy | $168 |
| Middle Valley | $157 |
| Hartsville/Trousdale County | $176 |
| Red Bank | $181 |
| Spring Hill | $165 |
| Lebanon | $158 |
| Shelbyville | $153 |
| Lenoir City | $149 |
| Jackson | $153 |
| Bristol | $177 |
| Smyrna | $180 |
| Gallatin | $163 |
| Morristown | $177 |
| Jefferson City | $158 |
| Manchester | $168 |
| Lawrenceburg | $152 |
| Clarksville | $155 |
| Maryville | $180 |
| Cookeville | $179 |
| Cleveland | $175 |
| Dickson | $165 |
| Athens | $179 |
| South Cleveland | $166 |
| Collegedale | $149 |
| Germantown | $172 |
| Springfield | $152 |
| Columbia | $177 |
| Brownsville | $169 |
| La Vergne | $175 |
| Farragut | $146 |
| Clinton | $169 |
| Paris | $153 |
| Memphis | $179 |
| Franklin | $176 |
| Hendersonville | $157 |
| Union City | $181 |
Why Chose A Plus Insurance?
Insurance Quotes for High-Risk Drivers in Tennessee
Do you have a history of traffic violations, accidents, or a DUI in Tennessee? If so, finding the right insurance is essential for staying legally covered and financially protected. High-risk drivers often face higher premiums, but there are ways to reduce costs.
How Can High-Risk Drivers Save on Car Insurance in Tennessee?
- Compare Multiple Quotes: Rates vary by insurer, so shopping around can help you find the best price.
- Increase Your Deductible: A higher deductible lowers your monthly premium, but ensure it’s an amount you can afford.
- Take a Defensive Driving Course: Many insurers offer discounts for completing an approved course.
- Maintain a Clean Record: Avoid accidents and traffic violations to improve your insurance rates over time.
- Drive a Low-Risk Vehicle: Cars with strong safety ratings and lower repair costs are generally cheaper to insure.
- Reduce Coverage on Older Vehicles: If your car’s value is low, consider dropping comprehensive and collision coverage.
- Bundle Policies: Combining home and auto insurance with the same provider can lead to discounts.
- Ask About High-Risk Discounts: Some insurers offer savings for good students, military personnel, or multi-policy holders.
- Improve Your Credit Score: Many insurers factor in credit scores when determining rates.
- Consider Usage-Based Insurance: Some companies offer programs that track your driving habits and reward safe driving with lower rates.
What If You Need an SR22 in Tennessee?
An SR22 is not insurance—it’s a certificate that proves you have the state-required minimum liability coverage. You might need one if you’ve had:
- A DUI/DWI conviction
- Reckless driving violations
- At-fault accidents without insurance
- A suspended or revoked license
How to Get an SR22 in Tennessee
- Contact an Insurer: Not all companies offer SR22 filings, so check with providers specializing in high-risk coverage.
- Pay the Filing Fee: There’s a small cost for filing an SR22, usually between $15 and $50.
- Maintain Continuous Coverage: Lapses in coverage can result in additional penalties or license suspension.
- Check How Long It’s Required: Typically, an SR22 is needed for three years, but this varies based on your situation.
SR22 Insurance Cost Comparison in Tennessee
| Insurance Company | Monthly Premium Without SR22 | Monthly Premium With SR22 |
|---|---|---|
| Progressive | $100 | $120 |
| Dairyland | $85 | $105 |
| National General | $90 | $110 |
| Allstate | $95 | $115 |
| Bristol West | $88 | $108 |
| Mendota | $80 | $100 |
Get a Free Quote Today!
Need affordable high-risk car insurance in Tennessee? Contact us today for a free quote and see how much you can save!
| Insurance Company | Monthly Premium Without SR22 | Monthly Premium With SR22 |
|---|---|---|
| Progressive | $100 | $120 |
| Dairyland | $85 | $105 |
| National General | $90 | $110 |
| Allstate | $95 | $115 |
| Bristol West | $88 | $108 |
| Mendota | $80 | $100 |
How to Maximize Discounts on Tennessee Insurance Quotes
Looking for ways to lower your insurance costs in Tennessee? Many insurers offer discounts that can help reduce your premiums without sacrificing essential coverage. By understanding these savings opportunities, you can secure the best rates while staying fully protected.
Common Insurance Discounts in Tennessee
Here are some of the most common discounts available when getting insurance quotes in Tennessee:
- Multi-Policy Discount: Save money by bundling auto, homeowners, or renters insurance with the same provider.
- Safe Driver Discount: If you have a clean driving record with no recent accidents or violations, you may qualify for lower rates.
- Good Student Discount: Students with a B average or higher often receive discounts on car insurance.
- Defensive Driving Course Discount: Completing an approved driving course can help lower your insurance costs.
- Low Mileage Discount: If you drive fewer miles annually, some insurers will offer a reduced premium.
- Vehicle Safety Features Discount: Cars equipped with anti-lock brakes, airbags, or anti-theft devices may qualify for savings.
- Military Discount: Active duty, reserve, and retired military personnel may receive special discounts.
- Senior Discount: Drivers aged 55 and older can sometimes get reduced rates.
- Paperless Billing & Auto-Pay Discounts: Setting up automatic payments or opting for digital statements can help lower your bill.
- Loyalty Discount: Staying with the same insurer for several years may result in a lower premium.
- Early Signing Discount: Some companies reward drivers who renew or switch policies before their current one expires.
- Multi-Car Discount: Insuring multiple vehicles under the same policy can help cut costs.
Not All Discounts Are the Same
Each insurance provider offers different discounts, so it’s important to ask about available savings when comparing insurance quotes in Tennessee.
Get the Best Rate on Tennessee Insurance
Want to see how much you can save? Contact us today for a free insurance quote and find out which discounts you qualify for!
| Discount | Explanation of Discount |
|---|---|
| Multi-Policy Discount | Often called bundling, this discount applies when you insure more than one type of policy with the same company, such as combining car and homeowners insurance. |
| Safe Driver Discount | If you have a clean driving record with no accidents or traffic violations, you may qualify for this discount. |
| Good Student Discount | Typically offered to students who maintain a certain GPA, usually around a B average or higher. |
| Defensive Driving Course Discount | Completing an approved defensive driving course can sometimes earn you a discount. |
| Low Mileage Discount | If you drive less than a certain number of miles per year, you might qualify for lower rates. |
| Vehicle Safety Features Discount | Cars equipped with safety features like anti-lock brakes, airbags, and anti-theft systems can often get a discount. |
| Military Discount | Many insurers offer discounts to active duty, reserve, or retired military personnel. |
| Senior Discount | Drivers of a certain age, often 55 or older, may qualify for reduced rates. |
| Automatic Payment or Paperless Billing Discounts | Setting up auto-pay or opting for electronic statements can sometimes earn a small discount. |
| Loyalty Discount | Staying with the same insurance company for several years can sometimes result in lower rates. |
| Early Signing Discount | If you sign up for a new policy before your current one expires, some companies offer a discount. |
| Multi-Car Discount | Insuring more than one vehicle with the same company can lead to savings. |
Motorcycle Insurance Quotes in Tennessee
Riding a motorcycle in Tennessee is all about freedom, but having the right insurance is just as important as the ride itself. So, do you need motorcycle insurance in Tennessee? Yes! The state requires liability coverage to legally operate your bike. But beyond meeting legal requirements, the right policy can protect you from costly repairs, medical bills, and unexpected accidents.
What Does Motorcycle Insurance Cover?
When getting motorcycle insurance quotes in Tennessee, consider these essential coverages:
- Liability Insurance – Covers injuries or property damage you cause to others in an accident (required by law).
- Collision Coverage – Pays for damage to your bike if you crash into another vehicle or object.
- Comprehensive Coverage – Protects against theft, vandalism, fire, and weather-related damage.
- Uninsured/Underinsured Motorist Coverage – Helps if you’re in an accident with a driver who has little or no insurance.
- Medical Payments (MedPay) or Personal Injury Protection (PIP) – Covers medical expenses for you and your passengers, no matter who’s at fault.
- Accessory Coverage – Protects custom parts and upgrades on your bike.
- Roadside Assistance – Helps with breakdowns, towing, and minor repairs.
- Trip Interruption Coverage – Covers food, lodging, and transportation if your bike breaks down far from home.
- Guest Passenger Liability – Covers medical expenses for passengers injured in an accident.
How Much Does Motorcycle Insurance Cost in Tennessee?
Premiums depend on factors like your age, driving history, type of bike, and coverage levels. Some ways to save include:
- Bundle policies (auto + motorcycle)
- Take a motorcycle safety course
- Maintain a clean driving record
- Choose a higher deductible
- Ask about discounts for military, safe riders, or multiple bikes
Get a Free Motorcycle Insurance Quote in Tennessee
Need affordable motorcycle insurance? Get a quick quote today and ride with confidence!
Renters Insurance in Tennessee: What You Need to Know
Do you need renters insurance in Tennessee? While it’s not legally required, many landlords do ask for it. More importantly, renters insurance protects your personal belongings, covers liability in case of accidents, and helps with temporary living costs if your rental becomes unlivable.
What Does Renters Insurance Cover?
When comparing Tennessee renters insurance quotes, here are the key coverages to consider:
- Personal Property Coverage – Pays to repair or replace your belongings (furniture, electronics, clothes) if they’re stolen or damaged by fire, vandalism, or other covered events.
- Liability Coverage – Covers legal expenses if someone is injured in your rental or if you accidentally damage someone else’s property.
- Additional Living Expenses (ALE) / Loss of Use – Helps pay for temporary housing, meals, and other costs if your rental becomes uninhabitable due to a covered event.
- Medical Payments Coverage – Pays for medical bills if a guest is injured in your home, regardless of fault.
- Property Damage to Others – Covers accidental damage you cause to another person’s property.
Optional Add-Ons for Extra Protection
Need extra coverage? Many insurers offer add-ons, such as:
- Identity Theft Protection – Helps with legal fees and recovery if your identity is stolen.
- High-Value Item Coverage – Protects jewelry, art, or expensive electronics beyond standard policy limits.
- Water Backup Coverage – Covers damage from sewer or drain backups.
How to Get Affordable Renters Insurance in Tennessee
Want to save money on renters insurance? Here are some ways to lower your premium:
- Bundle with auto insurance for a discount.
- Choose a higher deductible to reduce monthly costs.
- Ask about discounts for security systems, smoke alarms, or claim-free history.
Get a Free Renters Insurance Quote in Tennessee
Looking for affordable renters insurance? Get a free quote today and protect what matters most!
Get the Right Coverage for Your Home in Tennessee
Looking for homeowners insurance in Tennessee? The right policy should fit your budget while protecting your home from common risks like severe weather, fire, and theft. Beyond just the price, a good policy gives you peace of mind knowing you’re fully covered.
What Does Homeowners Insurance Cover?
When comparing Tennessee homeowners insurance quotes, here’s what most policies include:
- Dwelling Coverage – Pays for repairs or rebuilding if your home is damaged by fire, storms, or other covered events.
- Personal Property Coverage – Protects your belongings, like furniture, electronics, and clothing, against theft or damage.
- Liability Protection – Covers legal expenses if someone is injured on your property or if you accidentally cause damage to someone else’s property.
- Additional Living Expenses (ALE) – Helps pay for hotel stays, meals, and other costs if your home becomes unlivable due to a covered event.
Homeowners Insurance vs. Renters Insurance
Not sure if you need homeowners or renters insurance? Here’s a quick comparison:
| Coverage Type | Homeowners Insurance | Renters Insurance |
|---|---|---|
| Dwelling Coverage | Covers the home’s structure | Not included (landlord’s responsibility) |
| Personal Property | Covers belongings inside & outside home | Covers tenant’s belongings |
| Liability Protection | Covers injuries & property damage | Covers injuries & property damage |
| Additional Living Expenses (ALE) | Covers temporary living costs if home is unlivable | Covers temporary living costs if rental is unlivable |
| Cost | Higher (covers structure & belongings) | Lower (covers belongings only) |
How to Get the Best Homeowners Insurance in Tennessee
Want to lower your home insurance cost in Tennessee? Here are some tips:
- Bundle policies – Combine home and auto insurance for a discount.
- Increase your deductible – A higher deductible lowers your monthly premium.
- Improve home security – Discounts may be available for security systems or smoke alarms.
- Ask about discounts – Many insurers offer savings for claim-free history or newer homes.
Get a Free Tennessee Homeowners Insurance Quote
Ready to protect your home? Get a free homeowners insurance quote today and find the best coverage for your needs!
Business Insurance in Tennessee: Find the Right Coverage for Your Company
Looking for business insurance in Tennessee? Every business has unique risks, so finding the right coverage is essential. Whether you need general liability insurance, commercial property insurance, or workers’ compensation, the right policy helps protect your business from financial loss.
What Type of Business Insurance Do You Need?
Here are some common coverage options for Tennessee businesses:
- General Liability Insurance – Covers third-party injuries, property damage, and legal expenses if your business is sued.
- Professional Liability Insurance (Errors & Omissions) – Protects service-based businesses from claims of negligence or mistakes that cause financial harm.
- Commercial Property Insurance – Covers your building, equipment, and inventory from fire, theft, or other damages.
- Workers’ Compensation Insurance – Required in Tennessee for most businesses with employees, covering medical costs and lost wages for work-related injuries.
- Product Liability Insurance – Essential for manufacturers and retailers, covering injuries or damages caused by faulty products.
- Business Interruption Insurance – Helps replace lost income if your business is forced to close due to a covered disaster.
- Cyber Liability Insurance – Protects against data breaches and cyberattacks that expose sensitive customer information.
- Commercial Auto Insurance – Covers business-owned vehicles used for deliveries, transportation, or employee travel.
How Much Does Business Insurance Cost in Tennessee?
The cost of Tennessee business insurance depends on:
- Industry and business type
- Number of employees
- Coverage limits and deductibles
- Claims history and risk factors
Get a Free Business Insurance Quote in Tennessee
Protect your business with the right coverage at an affordable price. Get a free Tennessee business insurance quote today and secure your company’s future!
Why Bundle Insurance Policies in Tennessee?
Looking for ways to save on insurance in Tennessee? Bundling your home, auto, or life insurance with one provider can lower your costs and simplify your coverage. Many Tennessee insurers offer multi-policy discounts, making it an easy way to cut expenses while keeping your policies organized.
Benefits of Bundling Insurance in Tennessee
- Lower Premiums – Many insurers offer discounts for bundling multiple policies, helping you save money.
- Simplified Insurance Management – Having all your policies with one provider makes it easier to track payments, coverage, and renewals.
- Customized Coverage – Bundling allows you to tailor your policies for better protection while avoiding coverage gaps.
- Faster Claims Process – Dealing with one insurer can speed up claims and reduce hassle in case of accidents or damages.
How Much Can You Save by Bundling?
The amount you save depends on:
- The number of policies bundled (e.g., home and auto insurance in Tennessee)
- Your provider’s multi-policy discount rate
- Your insurance history and risk factors
Get a Tennessee Insurance Bundle Quote Today
Want to save on Tennessee insurance? Contact us today for a free quote and see how bundling can lower your rates!
How To Get Insurance Quotes in Tennessee
01.
Gather Your Information
02.
Choose Your Insurance Companies
03.
Get Quotes
04.
Compare and Decide
Frequently Asked Questions about Insurance Quotes in Tennessee
What Factors Affect Insurance Quotes in Tennessee?
Several factors can influence your insurance quotes in Tennessee, including your driving history, the type of vehicle you drive, your age, and the coverage options you select. Additionally, your geographic location within Tennessee can also impact your rates.
How Can I Get the Best Insurance Quote in Tennessee?
To get the best insurance quote in Tennessee, it’s recommended to compare quotes from multiple providers. Consider factors like coverage options, deductibles, and discounts for bundling policies. Additionally, maintaining a good driving record can help lower your rates.
Is Full Coverage Auto Insurance Required in Tennessee?
In Tennessee, drivers are not required to have full coverage auto insurance, but they must have minimum liability insurance. Full coverage, however, is often recommended for additional protection, especially if you have a newer or more valuable vehicle.
How do I get a free Auto Insurance quote in Tennessee?
To get a free auto insurance quote in Tennessee, contact us at YOUR_PHONE_NUMBER_HERE or visit our website for an online quote. Our team will provide you with a personalized and cost-effective quote based on your needs.
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Last Updated on by Marlon Moss