Cheap Car Insurance in Tennessee 2019

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Finding cheap Tennessee auto insurance

On the hunt for cheap auto insurance in Tennessee? Here are good ways to lower your insurance bill:

  • Keep a good driving record. Accidents and tickets for moving violations can lead to a rate increase at renewal time.
  • Adding a young driver to your insurance policy? We have tips for getting cheap car insurance for teen drivers.
  • If you have a college student, find out if you're eligible for auto insurance discounts for college students.
  • Buy homeowners insurance from your auto insurance company so you can snag a "bundling" discount.
  • Ask your insurance agent to review the possible insurance discounts so you can make sure you're getting all possible savings.
  • Raise the deductible amount on collision and comprehensive insurance, if you buy them.
  • Shop around and compare several auto insurance quotes. Rates can vary by hundreds of dollars among insurers for the same kind of coverage, so shopping around can pay off.

We analyzed average insurance premiums reported by EverQuote users in Tennessee so you can see how prices compare.

Sections:

Tennessee insurance vs. the U.S. average
Average Tennessee insurance premiums by company
Insurance increases after a speeding ticket
Insurance increases after an accident
Average premiums for Tennessee cities

Tennessee insurance vs. the U.S. average

Tennessee car owners with good driving records pay less than the national average.

  • $1,590/year Tennessee average.
  • $1,684/year national average.

Average Tennessee insurance premiums by company

Company
Click to see reviews

Average annual premium in Tennessee

Shelter Insurance

$1,304

Farm Bureau

$1,313

Travelers Insurance

$1,394

Farmers Insurance

$1,463

Erie Insurance

$1,469

Geico

$1,542

AAA Insurance/Auto Club

$1,544

State Farm

$1,577

Safeco

$1,586

Nationwide Insurance

$1,596

Auto-Owners Insurance

$1,630

USAA (must have a military affiliation to apply)

$1,640

Allstate

$1,664

Liberty Mutual

$1,666

Esurance

$1,700

Progressive Insurance

$1,714

The General

$1,788

Insurance increases in Tennessee after a speeding ticket

Tennessee drivers who get a speeding ticket pay an average insurance increase of 25%, about the same as the nationwide average increase.

State Annual premium with clean driving record Annual premium with speeding ticket % increase
Tennessee $1,590 $1,985 25%
Nationwide average 26%

Insurance increases in Tennessee after an accident

Tennessee drivers who cause an accident get an average insurance increase of 41%, higher than the national average increase.

State Annual premium with clean driving record Annual premium with a chargeable accident, no injury % increase
Tennessee $1,590 $2,240 37%
Nationwide average 36%

Average premiums in Tennessee cities

Drivers in Memphis pay the most for auto insurance among the Tennessee cities we examined.

City

Average annual premium

Chattanooga

$1,593

Clarksville

$1,637

Cordova

$1,600

Jackson

$1,596

Johnson City

$1,493

Kingsport

$1,458

Knoxville

$1,505

Memphis

$1,847

Murfreesboro

$1,562

Nashville

$1,578

Minimum car insurance requirements in Tennessee

Compared to many other states, Tennessee does not require a lot of car insurance. Only liability insurance is mandated. But liability insurance won't cover damage to your own car. Let's look at the options in Tennessee so you can make insurance picks that are right for you.

Minimum liability insurance:

Liability insurance covers the damage you cause in a crash to others. This include injuries and property damage, such as hitting other people's cars or property, like a fence or building. The minimum coverage amounts in Tennessee are:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $15,000 property damage per accident
  • Or a combined single liability limit of $65,000

This is often written as 25/50/15.


Other insurance options in Tennessee

Uninsured/underinsured motorist (UM/UIM) coverage:

Despite state requirements to buy car insurance, many people drive uninsured. And many people drive with only very low limits of liability insurance. That's why UM/UIM can be valuable coverage. It will pay for your injuries and property damage if you're hit by a driver who has no insurance or not enough to cover the bills, up to the UM/UIM limits you choose.

  • In Tennessee you must be offered UM/UIM by your insurance company but you don't have to take it. If you do buy it, you must have limits of at least $25,000 per person/$50,000 per accident for injuries.
  • In Tennessee you can also buy an insurance type called uninsured motorst property damage (UMPD) coverage. It's like UM but it covers your property damage instead of injuries. You must have at a limit of least $15,000 of UMPD coverage if you buy it.

   More: Cheap car insurance in Tennessee

Medical payments (MedPay) coverage:

MedPay is not required in Tennessee, and if you have good health insurance you may not need it. MedPay covers medical bills and funeral expenses for anyone driving or riding in your car, no matter who caused the accident.

Comprehensive and collision coverage:

These are not required by Tennessee. However, if you have a car loan or lease you are likely required to have them by the loan or leasing company. These cover: the theft of your vehicle, damage caused by hitting another car or an animal, and damage from hail, flood, fire, vandalism, falling objects and explosions.

Rental reimbursement coverage:

This pays for a rental if your vehicle is being repaired due to an accident. It usually has limits for a daily maximum and also a total limit. If you rent a more expensive car you'll need to pay the difference.

You must show an insurance ID card (or other proof of financial responsibility) in Tennessee when:

  • Law enforcement requests it.

Penalties for not having car insurance in Tennessee

  • Class C misdemeanor, up to a $300 fine.
  • Class A misdemeanor if you're not in compliance with Tennessee financial responsibility laws and involved in accident resulting in bodily injury or death you were at fault for the accident.

Source: Property Casualty Insurers Association of America

Consumer complaints against auto insurance companies

Each state has a department of insurance that collects complaints against insurance companies. Data from all states creates a "complaint ratio." The number is meant to show complaints against a company relative to its size. Shown below are complaint ratios for the biggest auto insurance companies in Tennessee.


Auto insurance oomplaints in Tennessee

Rates methodology: EverQuote analyzed premiums reported by our users. Premiums are based on policies with liability of 100/300/50 ($100,000 bodily injury per person, $300,000 bodily injury per accident, $50,000 property damage) and uninsured motorist coverage of 100/300 ($100,000 per person, $300,000 per accident). We used premiums collected between Jan. 1, 2017, and Dec. 31, 2018. Your own rates will be different.

Updated March 7, 2019

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