Car insurance in Tennessee tends to hover around the national average, though premiums are more than you might expect for a largely rural state. Whether you’re looking for minimum or more complete coverage, it’s worth shopping around with numerous Tennessee providers to find the more affordable rate.
Each insurer uses its own formula to determine premiums, weighing factors such as location, age, gender, driving history, and vehicle type. This means that car insurance rates can vary substantially from one insurance company to another.
Jerry offers a quick and convenient way to compare quotes and switch plans. Want to give it a try? Enter your ZIP code to get cheap car insurance quotes from the best insurance companies in Tennessee. And if you want to learn more about car insurance rates in Tennessee, keep reading.
Using a comparison app to view quotes from multiple providers is the best way to find cheap car insurance in Massachusetts.
Cheapest minimum coverage car insurance in Tennessee
The minimum required insurance coverage varies depending on your state laws. In Tennessee, drivers must have the following:
$25,000 bodily injury liability per person
$50,000 bodily injury liability per accident
$15,000 property damage liability per accident
Remember, the minimum insurance coverage is a requirement, not a recommendation. In some cases, minimum liability car insurance won’t cover all your expenses in the event of an accident. If you can afford to pay for more coverage, it’s generally a good idea to purchase a more comprehensive policy.
Here’s how much Jerry users pay for minimum liability car insurance in Tennessee:
Additional coverages you might want to consider when shopping for car insurance in Tennessee
Coverage to consider
Tennessee is prone to certain severe weather events, like flooding. Comprehensive insurance covers physical damage to your car as a result of weather, vandalism, or other non-collision-related events.
Uninsured motorist protection covers you in the event of an accident with a driver who doesn’t have even the minimum required car insurance.
Lots of road to cover
Tennessee has over 14,000 miles of state-maintained roadways. Roadside assistance can provide towing service, battery boosts, locksmith service, tire changes, and more.
Tennessee makes bodily injury and property damage liability insurance mandatory, but securing additional coverage is a good idea if you can afford it.
Best carriers for minimum coverage car insurance in Tennessee
Hitting the Tennessee roads without the mandatory minimum insurance isn’t a good idea. If you’re caught, you could face fines, license and registration suspension, and even jail time. Your insurer will also have to file an SR-22 form on your behalf (which means higher insurance rates).
Thankfully, premiums in Tennessee are fairly reasonable, so there’s no need to go without insurance.
Here’s how much Jerry customers pay for minimum liability coverage with various carriers in Tennessee:
Though the minimum liability insurance is all you need to drive legally in Tennessee, securing full coverage can provide you with peace of mind and financial protection.
Cost to insure your car in Tennessee by age
Insurers value driving experience. The younger you are, the less experience you have—and this will likely be reflected in higher insurance premiums.
Young drivers are statistically more likely to engage in dangerous driving behaviors, and the CDC lists Tennessee as having the 12th highest fatality rate in the country for teenage drivers. This added risk is why insurers charge higher premiums.
But if you’re a young driver, don’t despair. While you’re unlikely to enjoy the same low rates as your parents, you can still get cheap car insurance quotes by shopping around and maintaining a clean driving record.
No matter your age, quote shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
Cost of insurance for young drivers in Tennessee with a bad driving record
Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Tennessee has a graduated licensing system that aims to teach young drivers safe behaviors. Even so, incident rates are high and insurance companies take on far higher risk when insuring young drivers than other age groups.
Thankfully, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Just as car insurance rates vary by state, they can also vary by city and ZIP code. Drivers in cities tend to pay more than drivers in rural areas because urban centers have higher rates of accidents, thefts, and claims.
Nearly 20% of drivers in Tennessee hit the road without the required minimum coverage or without insurance at all. This represents a serious risk for insurance companies, which is passed on to insured drivers through increased premiums.
The state is also prone to some severe weather, including inland flooding. Flooding can cause quite a bit of damage to cars, requiring big insurance payouts.
To get cheap car insurance, you may want to consider raising your deductible. When you file a claim, the deductible is the amount of money you have to pay out of pocket before your car insurance kicks in to cover the remaining balance. If you increase your deductible, this could lower your premium—but be aware that this means you’ll incur higher initial out-of-pocket costs in the event of an accident.
It’s also a good idea to update your car insurance to reflect any major life changes that have occurred since you received your last auto insurance quote. For example, if you’ve gotten married, you may be offered lower rates because married people are perceived to be safer drivers. Or if you’ve moved to a rural area, you may qualify for reduced rates because you’re less likely to get in an accident and file a claim.
It can be hard to keep track of your car insurance renewals while also juggling your own daily obligations. That’s why Jerry reassesses your premium every six months. At each renewal period, Jerry can help you make any relevant updates and ensure you get the lowest possible price for your coverage.
Want to find out if you’re overpaying? Let Jerry do the work for you.
Unless otherwise specified, these estimates are based on drivers older than 30 who have good driving records. These are real people who have signed up with Jerry in the last six months.