Cheapest Car Insurance in Tennessee for Good Drivers
Auto-Owners has the cheapest car insurance for most good drivers in Tennessee. Drivers who have never had an accident or received a citation are considered good drivers by insurers and pay less for insurance than drivers with bad records. In addition to low rates, good drivers can often qualify for additional discounts
from their insurance company.
Cheapest Car Insurance in Tennessee for Full Coverage
refers to a policy that goes beyond the minimum state requirements
. Because full coverage protects you in more situations, it costs more than the minimum requirements.
Cheapest Car Insurance in Tennessee After a Ticket
After a speeding ticket
, most drivers will see their insurance rates go up for 3-5 years. It’s important to keep in mind that each insurance company calculates rates differently, so you should always get multiple quotes in order to make sure that you get the best deal.
Cheapest Car Insurance in Tennessee for Drivers with One At-Fault Accident
One at-fault accident
will usually affect your insurance negatively for 3-5 years as insurers will consider you high-risk
. Because of your higher rates, it is even more important to comparison shop.
Cheapest Car Insurance in Tennessee for Drivers with Poor Credit
A low credit score often flags drivers as higher risk, so insurers will usually charge them more for coverage. However, since insurers use different formulas to calculate premiums, poor credit might affect your rates more with one company than another. Because each insurance company treats credit differently, it pays to compare quotes.
Cheapest Car Insurance in Tennessee for Young Drivers
Since young drivers have less experience behind the wheel, insurers tend to charge them higher rates than more mature drivers. On average, most drivers will see their rates drop as they get older with a considerable decrease once they turn 25 years old.
Cheapest Car Insurance in Tennessee for Older Drivers
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Cheapest Car Insurance in Tennessee for Drivers with a DUI
Drivers who have a DUI on their record typically experience much higher rates than drivers with a clean driving record or people with a history of less severe violations. A DUI usually affects your insurance rates for 3-10 years, but the violation itself may stay on your driving record for much longer than that.
To identify the cheapest post-DUI insurance companies, WalletHub compared rates for a 45-year-old, single man, with minimum coverage, one DUI, and good credit across major insurers.
Cheapest Car Insurance in Tennessee for Married Drivers
Married drivers typically enjoy cheaper car insurance rates than drivers who are single. Auto insurance companies generally view drivers who are married as more responsible and less of a risk to insure. To help married drivers further reduce their insurance costs, WalletHub compared major insurance companies’ rates for a 45-year-old, married man with minimum coverage, a clean driving record, and good credit.
Cheapest Cities for Car Insurance in Tennessee
||Increase vs. Cheapest City
The table above reflects the average annual cost of car insurance in Tennessee’s largest cities and towns.
Factors That Affect Car Insurance Premiums in Tennessee
Recap: Cheapest Auto Insurance Companies in Tennessee
The cheapest car insurance company in Tennessee is State Farm
, which charges an average of $57 per month
for state-minimum coverage. In addition to being the cheapest auto insurer for Tennesseans overall, it is the cheapest option for a number of specific categories, such as full coverage and insurance for young drivers.
For your convenience, we’ve summarized the cheapest companies overall below.
Cheapest Car Insurance in Tennessee
6 Tips for How to Get Cheap Car Insurance in Tennessee
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Tennessee, regional insurers like Erie Insurance
, Alfa Insurance
, and Farm Bureau Insurance of Tennessee might have lower rates than national companies like State Farm, Geico, and Nationwide – in addition to comparable customer satisfaction ratings.
2. Know the factors affecting insurance in Tennessee
Everyone knows that your driving habits and claims history
affect how much you pay for car insurance. But in Tennessee, companies can also consider your age, gender, credit history, marital status, and more when setting premiums. The car you drive, your annual mileage, and even some factors
beyond your control all impact the price of insurance.
3. Choose the coverage that is right for you
You need liability insurance
to pay for the other driver’s damages if you’re at fault in an accident in Tennessee. Collision and comprehensive coverage, on the other hand, are optional and may be unnecessary if you own an older car. Usage-based insurance
might be a better fit than a standard policy for low-mileage drivers, and going with a higher deductible
or lower coverage limits costs less, too. Don’t skimp on the coverage you need, but do make informed choices. That way, you won’t end up paying for more car insurance than you need.
4. Don’t move to more expensive zip codes
Car insurance prices can vary a lot based on zip code in Tennessee. On average, drivers in the most expensive parts of Tennessee
spend nearly $900 more per year on full coverage car insurance than those living in the least expensive areas.
5. Search for discounts
Top car insurance companies in Tennessee have a variety of discounts, so almost anyone can find ways to save. You may be able to get a discount
if you’re a student, veteran, good driver, homeowner, willing to go paperless, and more.
6. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even if you don’t own a car
. Tennessee drivers who don’t maintain continuous coverage pay an average of 17% more than those with five or more years of insurance history.
Video: Cheap Auto Insurance in Tennessee
Methodology for Selecting the Cheapest Auto Insurance in TN
WalletHub’s analysis of cheap car insurance companies in Tennessee is based on data from the Tennessee DMV and Quadrant Information Services. Together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car insurance companies for Tennessee drivers in a collection of key categories. For each profile, WalletHub compared quotes among top Tennessee car insurance companies by averaging premiums from 35 zip codes that represent at least 20% of Tennessee's population. Military-specific companies like USAA were only considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
||All Profile Characteristics
||Good Driver Profile
||16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65
|Teenage Driver Included on Policy
||Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident
|Miles Driven Per Year
||7,500 Miles, 15,000 Miles, 20,000 Miles
||Minimum, Standard, Full
||None, Multi-Policy, Homeowner, Student
||None, SR22, FR44
||Sedan, Minivan, SUV, Coupe, Truck
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability, as required by Tennessee's minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Tennessee insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.