Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!
Simply input your ZIP code, and allow us to guide you towards the most beneficial car insurance in your vicinity. We are like detectives of insurance policies, committed to sniffing out the most affordable coverage for you. We diligently compare all available insurers, recommend the optimal deductibles, and tirelessly search for every possible discount. We're here to ensure you get the best deal on your auto insurance!
Car Insurance in Tennessee
What's the average cost of car insurance in Tennessee and which company has the cheapest car insurance?
How much does car insurance cost in Tennessee?
Let's explore the cost of auto insurance in Tennessee and how it affects your wallet.
Average annual auto insurance rates in Tennessee are around $1,225 annually, which represents a monthly payment of $102, however this amount is significantly affected by many factors. Insurance companies favor older and experienced drivers who drive for a long time without an accident, have a high credit score or higher education. However, the final cost of your policy in Tennessee is also affected by indirect factors, which can move the average rate of $1,225 a year up and down. These influences include population density, the density of the road (motorway) network, the number of traffic accidents in the area, the frequency of theft or vandalism. If we add up all the direct and indirect positive effects, you can get to rates lower than $980. Otherwise, if we take into account the negative factors, car insurance prices for younger drivers can exceed $2,205 per year.
| minimum full coverage premium | average full coverage premium | |
|---|---|---|
| Tennessee | $370 | $1,225 Your Rates? Get Quotes |
| Teen Drivers | $370 | $2,205 Your Rates? Get Quotes |
When deliberating on the best cheap car insurance in Tennessee, there's no definitive answer. Generally speaking, policyholders in Tennessee pay approximately $1,225 yearly for a full coverage premiums; however this number can differ considerably depending on your individual factors such as age and driving record. For example if you are a young driver under 25 years old then be prepared to face premiums of up to $1,960 annually!
On the other hand if you're an experienced motorist with good credit score and clean driving history then full-coverage policies may cost as little as only $613 per year. When it comes to finding the most affordable auto insurance in Tennessee, GEICO offers some of the best rates around with an average cost of just $882 per year. Mercury is only slightly more expensive at $931 while Progressive rings in at close to $1,005 annually. State Farm and Allstate have annual rates approaching roughly $1,078 each year depending on where you live.
Minimum car insurance coverage in Tennessee starts at $370Auto insurance requirements in Tennessee
What does Tennessee law mandate when it comes to vehicle coverage?
The State of Tennessee has insurance limits for bodily injury liability per accident set at $50,000, which is the average rate across the United States. The minimum bodily injury liability coverage per person in Tennessee is $25,000. This is relatively small and if you can afford it, definitely increase this amount according to your financial possibilities. Remember that the per-person limit applies to each person injured in an accident in Tennessee. If you caused an accident in Tennessee (if you're at fault), your property damage liability insurance coverage can cover up to a total of $15,000 for the other party's vehicle repairs.
| Minimum Coverage Type | Coverage Limits in TN |
|---|---|
| Bodily injury liability per person in Tennessee | $25,000 Get Quotes |
| Bodily injury liability per accident in Tennessee | $50,000 Get Quotes |
| Property damage liability per accident in Tennessee | $15,000 Get Quotes |
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The typical annual cost of car insurance in California is approximately $1,225. Nonetheless, prices can vary depending on your location; in particular for smaller cities and towns the average rates might be as low as $613 a year! Moreover, you may want to know that basic liability coverage which meets with all minimum requirements set by state law starts at only $370 a year - this would mean less than sixty dollars each month. Are you curious about how much money could you save? All it takes is entering either the city or zip code in our website search tool...
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