Auto Insurance in Tennessee
Tennessee’s auto insurance rates are on the low side — on average $1,401 per year, compared to the nationwide average of $1,669. That said, how much you’ll pay can vary a lot depending on your car, your coverage, and your address. Use our tool to find your best rates:
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Tennessee is far enough inland that hurricanes rarely damage property. It does, however, happen on occasion. It is much more likely that vehicles will get damaged by thunderstorms, hail, or tornadoes, however. Tennessee usually experiences no fewer than 50 days of thunderstorms and about 15 tornadoes per year, yet the state only requires drivers to carry liability coverage. Given the chance of property damage, it makes sense for Tennessee drivers to spend a little more money on comprehensive coverage.
Tennessee Minimum Liability
Tennessee’s state minimum liability coverage is lower than the recommended amount of 50/100, which represents $50,000 per person and $100,000 per accident in bodily injury coverage. Even the recommended 50/100 may not meet the needs of many drivers.
In 2013, the average auto liability claim for bodily injury was $15,443. The average auto liability claim for property damage was $3,231. Some Tennessee drivers think that the state’s minimum coverage will protect them from extra expenses. Unfortunately, at least half of liability claims are higher than the average amounts. This can force drivers to spend tens or even hundreds of thousands of dollars out of their own pockets. Having 100/300 coverage is a better option for drivers who can afford higher premiums.
Getting quotes from several auto insurance providers is the best way to know whether you have the coverage you need at a price you can afford. Each insurance company views your driver profile in a slightly different way. This often means that some companies charge considerably lower prices than others. Though it will take some time and effort, get quotes from as many companies as you can – the potential savings will be worth it.
Cheapest Car Insurance in Tennessee
- $1,168State Farm
- $1,635Liberty Mutual
- $898Tennessee Farmers
If you want to get the absolute cheapest auto insurance policy, you should contact these low-cost companies for price quotes. While comparing companies, we found that they consistently have the most affordable rates.
It is, however, important to remember that some companies cut corners to offer cheap policies. They may have poor customer service quality or make it difficult for policyholders to get their claims reimbursed. In many cases, the cheapest companies are also national corporations that are less personal than local insurance providers. If these factors don’t really matter to you, then consider getting a cheap policy from the insurers listed here.
Most Popular Companies by Marketshare
- State Farm
- Liberty Mutual
- Tennessee Farmers
The companies listed here are some of the most popular auto insurance providers in Tennessee. Some of them are popular because they focus on meeting the unique needs of Tennessee drivers. Companies, however, can also become popular by devoting large amounts of advertising money to target Tennessee drivers. This makes them recognizable, but it does not necessarily mean that they offer excellent coverage options or affordable rates.
Getting quotes from these companies is a good idea. Just be sure you compare them to less popular insurance providers so you know that you are getting the top coverage at a good rate.
Choosing the Best Car Insurance in Tennessee
It’s important for consumers to choose auto insurance companies that will meet their needs and budgets for many years to come. The best insurance companies are popular for many reasons. Getting quotes from these companies should be a solid start to helping you decide which options best match your needs.
We consider several important factors when rating the top auto insurance companies in Tennessee. The best companies have strong customer service, fair premiums, extensive coverage options, and discount opportunities. We also consider whether the companies use fair claims processes, give customers access to real agents, and have solid financial standings.
Where is car insurance most affordable?
Where you live has a lot of bearing on how much you’ll pay for car insurance.
Where you live often affects how much insurance companies charge for coverage. The state average for Tennessee policies is slightly higher than the national average. Some cities, including Chattanooga and Johnson City, have premiums that cost less than the national average. These cheaper cities, however, are offset by the high premiums in places like Memphis, where premiums are exceptionally higher than the national average.
Since prices in Tennessee vary from city to city, it is important for residents to get several quotes. This will make it easier for you to compare prices so you know how the prices compare to national and state averages.
Chattanooga Auto Insurance
Chattanooga sits in a mountainous area of southeastern Tennessee. Views of the surrounding mountains and ridges make the city’s official nickname, Scenic City, appropriate. Chattanooga has 171,279 residents, who enjoy some of the lowest auto insurance premiums in the state. The average premium for drivers in Chattanooga is considerably lower than stage average and somewhat lower than the national average.
Clarksville Auto Insurance
Clarksville was Tennessee’s first incorporated city. Today, it boasts a population of 142,455 residents, making it the state’s fifth largest city. Clarksville is noted as the home of Tennessee’s oldest newspaper. It is also the first Tennessee city with a population over 100,000 to elect a female mayor. The average premium for an auto insurance policy in Clarksville is somewhat lower than the state average and is practically equal to the national average.
Jackson Auto Insurance
Jackson became an important hub for industry and transportation during the 19th century, as the United States built railroads to help southern areas recover from the Civil War. Jackson is the site where a railroad running east and west intersects a railroad that runs south and north. Several manufacturers have production facilities in the area to take advantage of Jackson’s transportation options. The city has a population of 67,685. Auto insurance premiums are slightly lower than the state average, but they are still higher than the national average.
Johnson City Auto Insurance
Johnson City has areas in three Tennessee counties. While this fact can make it sound large, only 65,123 live in Johnson City. Residents pay one of the lowest auto insurance rates in the state. Researchers also note that Johnson City has extremely affordable housing, utility, and transportation costs. Insurance premiums in Johnson City are also lower than the national average.
Knoxville Auto Insurance
Knoxville has a population of 183,890 people, making it the third largest city in Tennessee. The city suffered an economic collapse in the 1920s and an economic rejuvenation when it hosted the 1982 World’s Fair. Knoxville is also home to the University of Tennessee. The school’s football program has produced several NFL players, including at least one player who has been inducted into the NFL Hall of Fame. Knoxville residents pay slightly lower premiums than the state average, but the rates are still a little higher than the nation’s average.
Memphis Auto Insurance
With a population of 653,100, Memphis is one of the largest cities in Tennessee. It is also the largest city on the Mississippi River. Memphis is a large, multicultural city with a thriving music and restaurant scene. Some of the country’s most notable blues and R&B artists are from Memphis. Residents pay some of the highest auto insurance premiums in the state. The rate is considerably higher than both the national and state averages.
Murfreesboro Auto Insurance
Murfreesboro is a college town with a population of 108,755 people. The city’s Middle Tennessee State University has the largest undergraduate student body of all Tennessee schools. Murfreesboro is close enough to Nashville that some residents commute between the cities. Murfreesboro is an important destination for many musicians who want to attend MTSU’s music program and perform in nearby Nashville. Residents pay insurance premiums that are about equal to the national average and considerably cheaper than the state average.
Nashville Auto Insurance
Nashville, the capital of Tennessee, has a population of 658,602 people. The city is best known for its contributions to the country music genre. Numerous artists have started their careers by playing venues in Nashville. The city is also home to several colleges and universities, including Fisk University and Vanderbilt University. Despite its large size, car insurance premiums in Nashville are lower than the state average.
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