Best Tennessee Car Insurance Quotes – Cheap Insurance In The Volunteer State
With 4.6 million Tennessee drivers on the road, it’s important to make sure you are properly insured and obtain an auto insurance policy. At Insurance Geek, we have designed an affordable car insurance calculator that you can use to generate free online quotes.
Tennessee is home to beautiful landscapes and incredible mountain scenery. The Smoky mountains stretched across the state provide some of the nation’s most scenic drives. One of the best things you can do to keep yourself safe on the roads in Tennessee – particularly during those cold, icy winter months where mountain travel is dangerous – is to get the right Tennessee car insurance.
Insurance Geek loves connecting consumers just like you with the best possible auto insurance. Working with you to create an auto policy that fits your family’s needs and budget can really help you stay safe and get the peace of mind necessary from insurance coverage.
Below, we’ll talk about how premiums are determined, some of the ways you can save and get the cheapest car insurance, as well as average premiums for Tennessee auto insurance policies.
Tennessee Car Insurance Minimum Required Coverage
Every state has minimum coverages drivers have to have in their auto insurance to be legally on the road. Bear in mind that minimum coverage is different than the full coverage that you may need to fully protect yourself and your family. We’ll discuss recommended full coverage in Tennessee a bit later in this article.
Tennessee state minimum insurance requirements are as follows:
$25,000 minimum coverage for bodily injury protection; $50,000 maximum
If you injure someone else while you’re driving, bodily injury protection can assist. Bodily injury insurance also covers anyone you’ve given permission to drive your car, or other named drivers on your policy. Medical bills can get very expensive in the US, so it’s important not to skimp on this coverage.
Property damage protection: $15,000 minimum coverage
It isn’t a cheap endeavor to replace or repair a car, especially after an accident. That’s why it’s clear that the proposed $15,000 might not be enough for everyone. Whether we’re talking about a small fender bender or something major, property damage protection will help you pay for the costs associated with damaging someone else’s car or property if there’s an accident.
Underinsured and uninsured
You do not legally have to have uninsured motorist insurance coverage in the state of Tennessee, though some other states do require this. We’ll talk a little more about underinsured insurance protection below and whether you should consider it in addition to the minimum coverage.
How Much Will I Pay for Auto Insurance in Tennessee?
The average rates for coverage in Tennessee are $737 per year, which is lower than the national average rates.
However, Tennessee drivers should be aware that their insurance rates are largely dependent on individual factors.
Here are some of the most important ones you should take into account to calculate how much you will pay for your car insurance:
Age Groups
One of the first things carriers consider when determining premiums is the age of the driver. The older you are and the more experience you have driving, the more you can see premiums drop. For this reason, young drivers (especially teen drivers) get higher average rates than other Tennessee drivers. This also applies to those of you who have obtained your driver’s license recently, regardless of whether you belong to the category of teen drivers.
Driving Record
Insurance companies also pay attention to driver profiles. Those of you who can prove that they are safe auto drivers with a clean driving record (i.e., no recent accidents, DUI citations, or a speeding ticket) will obtain lower average rates. This is the so-called “good drivers discount” many companies are willing to give.
Credit Score
One of the rating factors – albeit it isn’t the most important one – is your credit score. Tennessee drivers with a good credit score will get slightly higher insurance rates, and vice versa, those with a poor credit rating might pay more for their auto insurance. Don’t let a poor credit rating discourage you, though – our quote calculator will allow you to find cheap coverage in Tennessee by comparing offers from multiple insurers.
Your Vehicle
Your car is also an important factor – a newer make and model of car is considered safe to drive, and newer cars have better safety features. Low mileage also helps, as low mileage cars are generally well-maintained and kept up for basic maintenance, and still have a lot of life left in them. Sports cars are associated with faster driving and higher risk, so vehicles with more powerful engines will increase the cost of the premium.
Location
The price of your auto coverage insurance in Tennessee also depends on where you are located in the state. Drivers in the city and metro areas can expect to pay more because the density of the traffic and the number of accidents are higher.
Here are some of the largest cities in Tennessee we write policies for:
- Nashville
- Memphis
- Chattanooga
- Knoxville
- Clarksville
- Franklin
- Jackson
- Murfreesboro
Car Insurance Company
The affordability of your auto insurance coverage in Tennessee also depends on the insurance company you choose. In order to help you with this factor, we designed a calculator that generates free quotes from multiple car insurance companies that are our carriers. Therefore, you can calculate how much you’d pay and then decide what company has the best deal for you.
Car Insurance Discounts
Various discounts lower your auto insurance costs. Our customers are taking advantage of savings opportunities in the form of multiple available discounts our carriers offer. For example, you can get a good driver discount if you have no recent speeding tickets or other citations, such as an at-fault accident.
The most popular way to save remains to bundle insurance products with the same insurer. If you get home or life coverage in Tennessee in addition to your car insurance, you will save a LOT in the long term.
Get Tennessee Cheap Car Insurance Quotes
Find the cheapest auto insurance in Tennessee with our free calculator tool. Here’s how it works:
First, you need to enter some basic info on this page, such as your ZIP code in the state of Tennessee. Then, we will contact the insurance companies we are partnered with and obtain free quotes for you.
You get to compare quotes from all of our carriers that are the most affordable companies on the market. Nationwide and Safeco are the top-rated ones, but you can calculate the premium from over 20 companies if you use our quote calculator. All the carriers have excellent Financial Strength ratings and have been in the industry for a long time.
After you compare the quotes, you decide whether you’d like to continue with the purchase. No obligations!
We only use your personal info to calculate the premium. We won’t send out email spam or bother you with follow-up calls.
If you decide you want to buy a policy through us, your local agent – or, as we like to call them – an Insurance Geek – will assist you throughout the process.
Can I Get a Discount?
Yes, you can! Discounts are available in many different scenarios. Perhaps the most popular scenario is the bundle discount – where carriers offer you several different types of lines of insurance under one payment, allowing you to take advantage of getting several different types of protection while also saving what is typically a percentage discount off your total bill.
Students, vets, and seniors are also eligible for discounts.
Safe driving can also help tremendously when it comes to getting you the discounts you need. Some insurance companies offer a safe driving tool that measures things like speed, reaction time, braking, etc. when you’re behind the wheel. They’ll use good driving behavior as an incentive to help you with a better payment where possible.
Long story short, we will be able to find you a possibility for a discount even if you have a poor credit rating or you are a relatively new driver. Just tell us about your situation, and we’ll be happy to help!
What Does Car Insurance in Tennessee Include?
The structure of your insurance policy will depend on whether you get the minimum or the full coverage, as well as on the company you get it from.
You’ll find that most auto policies include the following coverages:
PIP personal injury protection or medical liability protection
When it comes to the state minimums, we typically recommend a higher level of coverage to keep you protected when you need it most. Some different types of coverage to know in Tennessee include PIP or Personal Injury Protection/Medical Liability protection. This type of coverage will help you pay your or your passengers’ medical expenses or lost wages if there’s an injury or accident.
Underinsured and uninsured motorist bodily injury
Underinsured and uninsured motorist bodily injury can assist if someone who has no, or too little insurance to cover your costs gets into an accident with you. You don’t want to have to sue a driver to get the coverage you need. So, in many cases, this type of coverage can really help you if you’re in a serious accident. In some states, it’s obligatory to get this coverage. Tennessee isn’t one of them, but it’s still highly recommended that you do get it.
Collision coverage
Collisions can happen at any time – whether you’re running into another driver, hitting an inanimate object (including a parked car), or those one-off whoppers that end up costing you big. Collision protects you in any situation where there’s a hit, large or small. Situations like these happen all the time, even to the best drivers out there. Many customers opt for this in their full coverage so they can pay for damages to their own car in such a situation.
Comprehensive
Comprehensive coverage protects all those other random acts of chance that cause damage to your car – hitting an animal, taking hail damage, bumps, pings, dings, and cracks. If you’ve ever had to replace a windshield after a pesky crack got too intense, comprehensive could have helped you as a part of your full coverage policy.
Bodily injury liability
Bodily injury liability auto policy is mandatory in Tennessee. It will defray the costs of the other party’s medical bills in an at-fault accident.
Property damage liability insurance
Property damage pays for any damage you cause to another driver’s vehicle in an accident. Property damage claims are very frequent and can be high if you are involved in an accident with a driver who has an expensive car, so it’s recommended to go above the state minimum and get the protection of up to $300,000 that will account for any repairs or even a replacement of someone’s vehicle if needed.
How Much Coverage Car Insurance Should I Get in Tennessee?
Full coverage means that you have high coverage limits that will protect you under any circumstances. It basically guarantees peace of mind when you are on the road.
We give our customers a very simple rule of thumb to follow when it comes to getting protection and the right coverage – 100/300/100. This means you’ll want a policy that gives you $100,000 of BI liability coverage, $300,000 in personal property protection, at a $300,000 cap per accident.
$300k may seem like a lot, and it is – but accidents can get expensive if there are serious injuries or if many different cars are involved.
We can work with you to get your premium down to a rate you can afford while still working in more than the state minimum coverage. We can talk about your specific needs to discuss how we’ll make that happen for you.
FAQ: Tennessee Car Insurance
Q: What car insurance companies have the cheapest car insurance in Tennessee?
A: The best insurance companies that offer the cheapest car insurance in the state of Tennessee are Nationwide and Safeco. With these carriers, there’s plenty of ways to score a discount, especially if you bundle multiple policies. What’s more, they have excellent customer service rankings, such as the Financial Strength rating. You can calculate the rates they would give you by using our quote engine tool on this page.
Q: What is the average cost of car insurance in Tennessee?
A: The average annual insurance rates in Tennessee are $737, which is lower than the national average rates in the US. There’s more to the cost of your insurance, though: how long you have been driving, your driving record, the make, model, and age of your car, your location in Tennessee, and so on. It’s also possible to lower the cost by being eligible for discounts on the basis of bundling policies or being a safe driver. There are other factors as well – anti-theft devices or items that increase the value of your vehicle or stop it from being stolen can also decrease your premiums.
Quote Calculator Tennessee – Cheap Car Insurance Rates
Look no further for your full coverage in Tennessee than Insurance Geek. We can help you with calculating the best auto rates in Tennessee!
Your premiums don’t have to be sky-high even if you’ve had previous claims or a bad credit rating. We can help you and your family find the right protection at the right rates, and all you need to do is fill out one simple quote form. There are a variety of carriers out there competing for your business, and we do the research to find you the best overall rates online!
Our insurance rates calculator generates free quotes for your Tennessee car insurance.
The more you can tell us about your specific situation, the better we can serve you! We’ll come up with quotes that match your budget and will also keep you covered while you’re behind the wheel here in Tennessee.