Best Car Insurance in Memphis 2021

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  • Real Quotes
  • Best Carriers
  • Minimum Coverage
  • Full Coverage
  • Cost by Age
  • Bad Driving Record
  • Young Drivers Bad Driving Record
  • Save Money
  • Cost by Zip Code
  • Methodology
Car insurance in Memphis Tennessee costs single-car drivers an average of $2,545 annually, or about $212 per month. Compared to the state annual average of $2,326, auto insurance in Memphis is $219 higher.
Here’s how much real Jerry customers pay for insurance in Memphis:

Real quotes for Jerry customers in Memphis, Tennessee

Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
January 3, 2021Toyota Scion XbTN51TravelersCustom$118/mo.$67/mo.
July 15, 2021Lexus RX 350TN25ProgressiveBasic$198/mo.$113/mo.
August 21, 2021Lexus RX 350TN25GainscoBasic$198/mo.$123/mo.
May 27, 2021Nissan Sentra STN26ElectricCurrent$210/mo.$160/mo.
June 28, 2021Jeep Cherokee LatitudeTN30Bristol WestCustom$300/mo.$198/mo.
The best way to secure the right plan for lower premiums in Memphis is to shop around and compare quotes. 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 carrier to carrier.
Are you on the hunt for insurance quotes? Meet Jerry. Answer a handful of easy questions that take roughly 45 seconds and Jerry will instantly find quotes from up to 45 insurance carriers. No waiting, no long forms.
Drivers inMemphis have saved money by comparing prices and switching plans through Jerry.

Best Car Insurance Carriers in Memphis, Tennessee

Insurance Company
Before Jerry
After Jerry
Allstate$2,360$1,561
National General$2,462$1,694
Nationwide$2,305$1,701
Safeco$2,785$1,704
Travelers$2,584$1,856
State Auto$2,388$1,872
Dairyland$2,847$1,904

Minimum coverage car insurance in Memphis

On average, the cost of minimum coverage car insurance in Memphis is $2,560 per year, or $213 per month.

The minimum level of car insurance required in Memphis is liability coverage, which helps to pay for other people’s expenses when you’re at fault in an 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 Memphis:
Before Jerry
After Jerry
$3,121$1,101
Shopping around it important in order to find the best price and coverage to suit your needs. Here’s how much Jerry users pay with various carriers for their minimum coverage insurance:
Insurance Company
Before Jerry
After Jerry
National General$1,560$897
Progressive$2,237$1,146
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Full coverage car insurance in Memphis

Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run).
Full-coverage car insurance policies generally include:
If you decide that full-coverage insurance is the best option for you, Jerry can help you save there, too. Here’s what Jerry users pay in Memphis:
Before Jerry
After Jerry
$2,496$2,322
Here’s how much Jerry users pay with various carriers for their full coverage insurance:
Insurance Company
Before Jerry
After Jerry
Nationwide$1,368$1,248
Progressive$2,292$2,068
Safeco$4,200$2,508
National General$3,108$3,084
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How does your age affect your auto insurance cost in Memphis?

If you’re a driver under 25 in Memphis, you could be paying as much as $62 more per month than an adult driver.

The bottom line is, younger drivers are at a higher risk of getting into accidents, which is reflected in higher insurance premiums.
Here’s how much drivers under 25 in Memphis saved by switching car insurance through Jerry:
Age Group
Before Jerry
After Jerry
18-20$2,056$1,536
21-24$3,340$2,548
On the contrary, here’s how much drivers aged 25 and over in Memphis pay for car insurance:
Age Group
Before Jerry
After Jerry
25-34$2,501$1,675
35-44$2,813$1,475
45-54$2,136$1,374
55-64$1,919$1,510

Cheapest car insurance for drivers in Memphis with prior incidents

It’s no secret that your driving record will impact your auto insurance premium. How much will your rate go up if you have a minor infraction? A major infraction? Quantifying those differences can be difficult, and it’s hard to know what carriers to choose if you have been involved in an accident or traffic incident.
If your driving record isn’t squeaky clean, Jerry can help you figure out which carrier can give you the best rate in just 45 seconds. Here’s how much Jerry customers in Memphis saved on car insurance despite having prior incidents on their record:
Driving Violation
Before Jerry
After Jerry
Clean Record$2,529$1,181
Failure to Obey Traffic Sign$1,800$888
Speeding under 15$1,800$888
Here’s how much drivers with a bad driving record in [Memphis saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
State Auto$2,117$1,645
National General$2,589$1,686
Progressive$2,590$1,711
Nationwide$2,603$2,003
Safeco$4,071$2,424
Travelers$3,202$2,617
Allstate$4,320$3,510
Dairyland$4,668$4,200

Cheapest car insurance for young drivers in Memphis with prior incidents

Young drivers with less-than-stellar driving records have “double-trouble” insurability status, which can make finding affordable rates extremely difficult.
Fortunately, Jerry can help young drivers with prior incidents find the right coverage for the best price.
Driving Violation
Before Jerry
After Jerry
Clean Record$2,108$1,431
Here’s how much young drivers with a bad driving record in [Memphis saved by switching car insurance through Jerry:
Insurance Company
Before Jerry
After Jerry
Progressive$2,870$2,177
National General$2,520$2,508
Travelers$3,995$3,236
Safeco$4,445$3,341
Allstate$4,320$3,510
Dairyland$4,668$4,200
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How can you save money on car insurance in Memphis

Finding the cheapest car insurance doesn’t begin and end with comparing quotes. In other words, you can’t forget discounts.
Discounts are a great way to save money on your coverage. Here are some to keep an eye out for:
  • Customer loyalty (e.g. bundling, early renewal)
  • Demographic (e.g. good student, senior)
  • Driver affiliations (e.g. military, affinity)
  • Driving history (e.g. accident-free, safe driver)
  • Driver training (e.g. defensive driver course)
  • Equipment-related (e.g. anti-theft, new car)
  • Payment (e.g. auto-pay, paperless)
You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.
By analyzing your coverage needs and generating new quotes before every renewal, Jerry can ensure that you stay up-to-date on all the discounts available to you. You could also save money on car insurance by taking a defensive driving course. This might qualify you for a lower rate, on top of making you a better and savvier driver who can properly navigate a driving or traffic hazard.

Does your rate depend on what part of Memphis you live in?

Car insurance rates don’t just differ by city—they also differ by ZIP code, which means your premiums could fluctuate if you move to a new neighborhood within the same urban location.
Use the tool below to figure out real quotes for drivers in your immediate area, and to see how much you could be saving on car insurance with Jerry.
Quote DateMake / modelStateAgeInsurance CompanyCoverage Type
Before Jerry
After Jerry
June 28, 2021Jeep Cherokee LatitudeTN30Bristol WestCustom$300/mo.$198/mo.
December 27, 2020Volkswagen Tiguan STN41National GeneralBasic$142/mo.$42/mo.
July 15, 2021Lexus RX 350TN25ProgressiveBasic$198/mo.$113/mo.
May 17, 2021Ford Crown Victoria LXTN29State AutoCurrent$181/mo.$106/mo.
August 21, 2021Lexus RX 350TN25GainscoBasic$198/mo.$123/mo.

Methodology

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 twelve months.
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