Cheap Car Insurance in Tennessee

Searching for Tennessee automobile insurance? Sometimes searching for a provider can be complex. But with, it’s as straightforward as typing in your zip code. We can provide you with the top 5 insurance providers in your spot, whether you live in a big city like Memphis, Nashville, or Knoxville, or a lesser populated area such as Chattanooga or Clarksville.

Tennessee Auto Insurance – Average Premiums

There are several factors that affect the state average price (around $69) of Tennessee vehicle insurance. Your geographical area is important. People living in regions with minimal traffic like Clarksville (with a monthly average of $57) will probably get a better price on insurance compared to those living in busy metropolitan areas like Memphis (about $95 per month) because places with a heap of traffic often see more accidents. Some neighborhoods also have a greater amount of vehicle thefts, which may lead to a higher average premium.

Average Auto Insurance Costs in Tennessee Legend: Major City Chattanooga Clarksville Knoxville Memphis Nashville State Average 10 20 30 40 50 60 70 80 90 $73 $57 $60 $95 $59 $69


Important Tennessee Auto Insurance Laws and Requirements

Unlike many states, Tennessee doesn’t require its motorists to purchase either No-fault or UM/UIM coverage. While this may make it easier to find cheap Tennessee car insurance, Liability is still a requirement within the state. The limits and suggested amounts can be found in the table below:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 25,000 50,000
Uninsured Motorist Bodily Injury 25,000/50,000 25,000/50,000
Medical Payments Not required 2,000
Collision Not required 250 deductible
Comprehensive Not required 250 deductible

Choosing the Right Amount of Tennessee Car Insurance Coverage

Are you currently driving a mature vehicle, and eager for a replacement? Not too fast, if you wish to keep the insurance charges low. Driving a classic clunker may not look that impressive around the outdoors, but because you do not have to carry just as much insurance policy on it can help it will save you over time.

Basic vs. Comprehensive Auto Insurance Legend: Basic Coverage Comprehensive Coverage Chattanooga Clarksville Knoxville Memphis Nashville State Average 10 20 30 40 50 60 70 80 90 100 110 $34 $113 $32 $82 $34 $85 $44 $107 $34 $84 $36 $94


Tennessee DUI Laws

Drivers convicted of their first DUI offense may face the following penalties: a prison sentence ranging from 48 hours to 11 months; a fine ranging from $350-$1,500; your license could be suspended for a full year; you may have to have an ignition interlock device installed on your vehicle; there’s a possibility of community service; you will face a charge of child endangerment if there is a minor under the age of 18 in the vehicle; and you may be required to complete an alcohol safety DUI program.

Not every driver is required to file an SR-22. These are for special cases when motorists have been convicted of serious driving violations. These include causing an accident or being caught driving without insurance. You may also need an SR-22 if you have been convicted of a DUI. Many of these convictions will result in a suspended license, and in many states, you will not be able to get your license back until you file an SR-22. The state of Tennessee, for example, is a state which requires an SR-22 to be filed before your license is reinstated.

DUI Car Insurance Costs in Tennessee Legend: Clean Record DUI Violation Chattanooga Clarksville Knoxville Memphis Nashville State Average 10 20 30 40 50 60 $34 $57 $32 $51 $34 $56 $44 $60 $34 $47 $36 $54


Age Limit Laws

Eager teenagers in Tennessee could possibly get their Student Stage permit as soon as 14 years old. However, they have to keeping it not less than 12 months, and produce 20 hours of supervised driving (with a minimum of 2 hours during the night) before using to have an Intermediate Stage permit. Once they receive their intermediate permit, They aren’t allowed they are driving between your hours of 12:30-5:00 AM, nor can they’ve got more than a single underage non-family passenger for that first six months (then their parents or parents may waive the restriction). After 3 years of driving practice and keeping their permits up to date, youthful motorists will get a complete license at age 17. Hopefully, everything extra experience can help lower their insurance charges.

Auto Insurance by Age Legend: Average Rates for Teenage Drivers Chattanooga Clarksville Knoxville Memphis Nashville State Average 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 160 $158 $137 $151 $162 $123 $146


Credit Score Laws and Regulations

In Tennessee, as well as in every other state in America, your insurance provider can demand that you simply provide your credit rating or any other information before they provide you with the official policy quote. It is because credit ratings have a drastic impact on your payment per month. For instance, individuals lucky motorists with excellent credit will often pay half around someone with low credit score.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Chattanooga Clarksville Knoxville Memphis Nashville State Average 10 20 30 40 50 $35 $51 $31 $47 $33 $49 $36 $54 $28 $41 $33 $48


Insuring your Vehicle in Tennessee

Ever wondered why your insurance provider asks a lot of questions regarding your automobile when crafting your policy? Well, legally speaking, the insurance policy is perfect for your vehicle – not always you like a driver. Which means that or no accident happens together with your vehicle – regardless if you are presently driving it at that time or otherwise – calls for claims passing using your insurance company’s office.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxter Spyder Chattanooga Clarksville Knoxville Memphis Nashville State Average 15 30 45 60 75 90 105 120 $34 $121 $32 $111 $34 $119 $44 $124 $34 $109 $36 $117


Additional Tennessee Auto Insurance Laws and Requirements

Obviously, it’s not nearly knowing which laws and regulations influence both you and your vehicle directly. Following common traffic laws and regulations is important not only to keep everybody on the highway safe, however for keeping the insurance charges lower:

Highway Safety Laws

There isn’t any aggressive driving laws and regulations within the state of Tennessee right now. Try not to result in the mistake of believing that such actions, for example excessive speeding or following another driver too carefully, are legal. All this means is you don’t receive extra legal penalties and/or fines whenever your aggressive driving winds up causing any sort of accident.

Aggressive Driving No state law
Cell Phones and Texting Laws No state law
Inc. Penalty for High BAC BAC 0.15
Admin. License Susp. on 1st Offense 1 month (if BAL greater than or equal to 0.15)

Speed Limits and Cell Phone Use

There’s an all-driver ban on texting while driving. Regrettably, however, it is just another level offense, meaning you might also need to become breaking a minimum of one other traffic law before police force can pull you over and ticket you. So far as speaking on the mobile phone goes, there’s merely a ban for motorists having a restricted for intermediate license. Which is a principal level offense, so police force will pull you over for breaking it.

Rural Interstate 70 mph
Urban Interstate 70 mph
Other Limited-Access 60 mph

Important Tennessee Contacts

Tennessee Department of Revenue – Motor Vehicle Division – click here for information on obtaining your driver’s license, requirements for ID cards, and vehicle registration.

Official State Tennessee Website

Tennessee Department of Insurance

How to contact directly:

Tennessee Department of Commerce and Insurance
500 James Robertson Parkway
4th Floor
Nashville, TN 37243-0600
Phone: 1-615-741-2241

Compare Tennessee Car Insurance Companies that Offer the Lowest Rates in Your Area