Car Insurance in Tennessee
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- Looking for cheap car insurance in Tennessee?
- How much does car insurance cost in Tennessee?
- Top auto insurance providers in Tennessee
- What car insurance do you need in Tennessee?
- How is your cost of car insurance determined in Tennessee?
- How to save money on car insurance in Tennessee
- Registering your car in Tennessee
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Looking for cheap car insurance in Tennessee?
The price of car insurance premiums in Tennessee is about on par with the national average, but more than most rural states. The high proportion of uninsured drivers tends to drive up the cost of insurance—and makes it all the more important that you have enough coverage out on the road.
Location is just one of many factors they consider when providers calculate your insurance premiums, which means shopping around is the best way to save.
From Memphis to Maryville and everywhere in between, Jerry will help you ditch the legwork and find cheap car insurance fast.
Jerry is your ultra-talented car insurance broker for life. Forget filling out endless online forms, dealing with paperwork, or making phone calls—Jerry takes care of everything so that you don’t have to. Just answer a few questions and Jerry will set you up with a comprehensive list of quotes from top providers in the area.
Once you make your choice, Jerry switches you over to enjoy the best prices and coverage with none of the hassle.
Here are some real quotes from customers in Tennessee who saved money with Jerry:
| Quote Date | Car | City | Age | Carrier | Before Jerry | After Jerry |
|---|---|---|---|---|---|---|
| April 15, 2021 | Kia Soul LX | Antioch | 49 | National General | $143/mo. | $118/mo. |
| October 1, 2021 | Jeep Patriot Sport | Decatur | 44 | Progressive | $192/mo. | $119/mo. |
| September 1, 2021 | Infiniti G35 | Memphis | 46 | Progressive | $300/mo. | $174/mo. |
| May 10, 2021 | Lexus IS 250 | Nashville | 31 | Allstate | $269/mo. | $207/mo. |
| September 8, 2021 | Mercedes-Benz CLA 250 | Nashville | 29 | Electric | $314/mo. | $229/mo. |
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How much does car insurance cost in Tennessee?
The average cost of liability-only car insurance in Tennessee is $1,744 per year. If you prefer to buy full-coverage car insurance in Tennessee, you can expect to pay an average cost of $1,577 per year.
How does the annual cost in Tennessee compare to the rest of the country?
When comparing these figures to the nationwide averages, it costs $1,764 per year to buy liability-only car insurance and $2,486 per year to buy full-coverage car insurance.
What can hike up insurance rates in Tennessee? A couple of contributing factors include:
- Uninsured drivers: With more uninsured drivers on the road, insurers will account for this additional risk and may raise their premiums.
- Auto theft: South Carolina has seen an increase in car insurance rates, particularly in cities.
- Inclement weather: Tennessee is prone to certain severe weather events, like flooding, and this can hike up insurance rates.
Here’s how Tennessee’s insurance savings stack up against nationwide averages:
All Coverage Before Jerry | All Coverage After Jerry | Minimum Coverage Before Jerry | Minimum Coverage After Jerry | Full Coverage Before Jerry | Full Coverage After Jerry | |
|---|---|---|---|---|---|---|
| TN | $2,181 | $1,469 | $2,125 | $997 | $2,013 | $1,604 |
| National Average | $2,491 | $1,672 | $2,359 | $1,390 | $2,763 | $1,962 |
| TN | National Average | |
All Coverage Before Jerry | $2,181 | $2,491 |
All Coverage After Jerry | $1,469 | $1,672 |
Minimum Coverage Before Jerry | $2,125 | $2,359 |
Minimum Coverage After Jerry | $997 | $1,390 |
Full Coverage Before Jerry | $2,013 | $2,763 |
Full Coverage After Jerry | $1,604 | $1,962 |
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Top auto insurance providers in Tennessee
No matter the area you live in Tennessee, or how much driving experience you have, there’s an insurance provider in Tennessee that will work for you. Some of the most popular carriers in the state include Safeco, Progressive, and Allstate.
If you get quotes in Tennessee for the same car from multiple carriers, you’ll end up with a mix-match of rates.
Each carrier uses their own formula to determine the risk presented by drivers.
There are many factors that are used to determine your risk profile. Some of the most common include your age, your driving record, and the type of vehicle you drive. A pricey Mercedes-Benz will be more expensive to insure compared to a Kia Soul, for example.
Jerry customers have found some great deals with various insurance companies in Tennessee:
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Safeco | $2,754 | $1,067 | Compare Prices |
| Dairyland | $3,018 | $923 | Compare Prices |
| Allstate | $2,464 | $845 | Compare Prices |
| Travelers | $2,766 | $833 | Compare Prices |
| National General | $2,657 | $795 | Compare Prices |
| Nationwide | $2,440 | $685 | Compare Prices |
| State Auto | $2,346 | $587 | Compare Prices |
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What car insurance do you need in Tennessee?
The majority of states have minimum insurance requirements that drivers must meet before they can hit the road. In Tennessee, you’ll need at least the following:
| Coverage | Amount | Description |
|---|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident | Covers the costs associated with injuries you cause to others |
| Property damage liability | $15,000 per accident | Covers the costs associated with damage you cause to other people’s vehicles or property |
Tennessee requires drivers to have car insurance so they can assume financial responsibility for injuries and damages in the event of a collision.
You may face some of the following consequences if caught driving without insurance:
- Fines up to $300.
- Suspension of your license, registration, and plates.
- Reinstatement fees.
- Re-completion of the driver’s license exam.
If you can afford to do so, it’s definitely worth investing in more than just the minimum required insurance to protect yourself fully. Here are some recommended coverage options:
| Coverage | Description |
|---|---|
| Collision insurance | Covers damages that are the result of a collision with a vehicle or stationary object |
| Comprehensive insurance | Covers damages that aren’t the result of a collision, such as vandalism, theft, or a natural disaster |
| Uninsured motorist coverage | Reimburses you for your expenses from an accident caused by an uninsured driver |
| Personal injury protection | Covers medical expenses, lost wages, and rehabilitation costs after an accident |
When you’re ready to find your perfect insurance policy, then Jerry is there to help.
Jerry is a personal insurance broker that lives in your pocket.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to. They even help cancel your old policy! So why do all that extra work when Jerry can do it better?
Now that you know about the insurance you need, let’s look at what impacts the cost.
How is your cost of car insurance determined in Tennessee?
There are a variety of factors that influence how much you’ll be paying for insurance—some of which are age, driving record, location, and vehicle.
Cost to insure your car in Tennessee by age
Insurers value driving experience, as older, more experienced drivers have less risk associated with them.
Young drivers are statistically more likely to engage in dangerous driving behaviors, and Tennessee is one of the most dangerous states for teenage drivers. This added risk is why insurers charge higher premiums.
What young drivers in Tennessee need to know
- Tennessee has graduated license laws that help teens learn and ease into being more confident on the road.
- Completing an approved defensive driving course can help young drivers obtain lower rates.
- Maintaining a good average can qualify student drivers for a good student discount.
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.
A young driver is unlikely to get the same low rates that their parents enjoy, but shopping around and maintaining a clean driving record are both great ways to unlock more affordable premiums.
No matter your age, comparison shopping with Jerry is a good place to start. Here are the prices Jerry offers drivers by age:
| Age Group | Average Cost | Annual Savings with Jerry |
|---|---|---|
| 18-20 | $2,731 | $950 |
| 21-24 | $2,530 | $956 |
| 25-34 | $2,491 | $929 |
| 35-44 | $2,306 | $819 |
| 45-54 | $2,335 | $795 |
| 55-64 | $2,300 | $858 |
| 65+ | $2,172 | $732 |
Cost to insure your car in Tennessee with a poor driving record
Your driving history and record also play a large role in determining your insurance premiums. If you have a number of tickets, accidents, or serious offenses like DUIs on your record, you can expect to pay pricier rates.
In Tennessee, points remain on your record for two years. Insurers see you as a higher-risk driver, which impacts policy rates, driving privileges, and even your credit score.
Regardless of what’s on your driving record, Jerry can help you find a competitive and cheap car insurance policy.
Here’s just a sample of the savings that Jerry customers with poor driving records have found:
| Driving Violation | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Clean Record | $2,398 | $769 |
| Speeding over 15 | $3,915 | $2,097 |
| Passing School Bus | $3,864 | $1,808 |
| Driving on Sus. License | $2,883 | $1,558 |
| Leaving scene of an Accident/Hit and Run | $2,496 | $1,162 |
| Speeding under 15 | $3,190 | $1,078 |
| Failure to Obey Traffic Sign | $2,533 | $1,060 |
| Defective Equipment | $2,494 | $844 |
| Careless Driving | $2,826 | $834 |
| DUI | $2,820 | $824 |
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Cost to insure your car in Tennessee based on where you live
Tennessee is home to just over 6.8 million people, but its low population density can help keep insurance premiums relatively affordable.
That being said, where you live does matter to insurance companies. Drivers in major cities like Nashville will typically pay more than those in rural areas. This is due to the higher rate of accidents, thefts, and claims in urban centers.
The following are the cheapest cities for car insurance in Tennessee:
| City | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Antioch | $2,539 | $983 |
| Chattanooga | $2,337 | $872 |
| Clarksville | $2,385 | $802 |
| Cleveland | $2,128 | $811 |
| Franklin | $1,888 | $651 |
| Johnson City | $2,178 | $958 |
| Knoxville | $2,212 | $816 |
| Memphis | $2,615 | $841 |
| Murfreesboro | $2,571 | $1,022 |
| Nashville | $2,635 | $948 |
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Cost to insure your vehicle in Tennessee based on the type of car you drive
Generally speaking, relatively inexpensive cars are typically the cheapest to insure since they cost less to repair in the event of an accident.
Tennessee is home to country music and pickup trucks, but the most affordable cars to insure actually tend to be standard cars like the Honda Civic.
If your car is pricey like the BMW 3-series, for example, you’ll pay more simply because it has a high MSRP.
Here’s what it costs to insure some popular car makes and models with and without Jerry:
| Car | Average Cost | Annual Savings with Jerry |
|---|---|---|
| Lincoln MKZ | $2,621 | $1,068 |
| Volkswagen Passat SEL | $2,097 | $1,015 |
| Honda Accord EX | $1,744 | $790 |
| Nissan Sentra S | $2,560 | $775 |
| GMC Acadia Limited Slt-2 | $2,400 | $642 |
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How to save money on car insurance in Tennessee
Whether you live in downtown Nashville or rural Tennessee, there are always ways for you to save on insurance costs. Here are some easy ways to lower your rates.
Shop around for quotes
Comparison shopping is the most effective method for finding good insurance premiums. And thanks to Jerry, it isn’t the complicated process you might think of.
If you want to save money—and time—on your car insurance, the Jerry app is the best place to start. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even help you cancel your old policy.
And the best part? Jerry users save $879 on insurance annually.
This level of service and savings is why Jerry has become the top insurance app in the country.
Look for discounts
Discounts are a great way to save on your car insurance. The majority of providers offer them, and you might qualify for a number of discounts that can help you save even more.
Here are some to keep an eye out for in Tennessee:
| Discount type | Who is eligible? |
|---|---|
| Driver education discount | Tennessee law requires insurance companies to provide drivers 50 and over a discounted premium if they complete an approved driver education course. |
| Bundling discount | Insuring more than one product with the same company can net you savings—typically up to 12%—on each policy. Popular bundles include auto insurance with home, renter’s condo, or life insurance. |
| Good student discount | Full-time students who maintain an average of at least a B may be eligible for reduced premiums. |
| Accident-free discount | If your record is free of accidents (typically for the last 3–5 years), you could net savings on your car insurance policy. |
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Increase your deductible
Registering your car in Tennessee
If you want to register a car in Tennessee, you need to have the following paperwork prepared:
- A driver’s license or ID card.
- Proof of insurance.
- Proof of sales tax payment.
- A car title or signed lease agreement.
- Proof of a safety inspection.
- Proof of a smog test, depending on the age of the vehicle.
Once you have the paperwork, head to the DMV. It’s usually best to make an appointment first.
Tennessee drivers must renew their vehicle registration annually—this can be done online by mail, or in person at your local county clerk’s office.
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