How to Get Cheap Car Insurance in Tennessee?
Auto insurance is expensive in Tennessee and this is the reason that almost 19 percent of the drivers are driving without it. RateForce team is well aware of the need for the cheapest minimum coverage in Tennessee.
Hence we try to provide a list of all the affordable insurance companies in your area as options. Below is the list of all the cheap car insurance Tennessee companies:
Which are the Best Car Insurance Companies in Tennessee?
Not every driver is interested in cheap rates. Some of them want the best car insurance deals. We understand the difference between cheap and best companies.
The Rateforce team wants the best for our clients and hence we have analyzed all the best car insurance companies. Our analysis process depends on factors like the company’s health, reliability, and customer feedback. Here is the list of all the best car insurance carriers in TN:
How to Get Best Car Insurance Coverage In Tennessee?
Minimum Car Insurance Requirements in Tennessee
Each state of the USA works on some predefined traffic and driving laws. Some legal requirements are compulsory for each state. The same goes for Tennessee. Here are the details of minimum car insurance requirements in Tennessee:
- Bodily Injury Liability (BIL) Coverage:
If the driver is at fault then he or she will be responsible for the medical expenses of the victim. These medical expenses are referred to as bodily injury liability. In Tennessee; there are two types of bodily coverage required for every driver.
$25,000 per person for the medical expenses or death of the driver. and
The second is; $50,000 per accident if passengers are also injured or died with the driver.
- Property Damage Liability(PDL) Coverage:
Just like BIL, PDL is necessary if the driver is responsible for the damage to the property of another person. Property damage liability means you will have to pay for the damages you have caused on the property of the victim. It can be a garden, house wall, fence, or car. In Tennessee; the minimum requirement for property damage liability coverage is $15,000.
Cheapest State Minimum Coverage in Tennessee
Here is the list of best companies that provide the lowest average rates to drivers for state minimum insurance coverage in Tennessee:
- Safe Auto: $66 per month
- Travelers: $73 per month
- The General Insurance: $78 per month
- GAINSCO: $85 per month
Cheap Basic Full Insurance Coverage in Tennessee
Here is the list of top insurance companies that provide the lowest average rates to drivers for our unique basic full insurance coverage in Tennessee. It includes collision and comprehensive auto insurance coverage apart from state minimum auto insurance coverage.
- Safe Auto: $107 per month
- Travelers: $132 per month
- GAINSCO: $145 per month
- The General Insurance: $158 per month
Cheap Premium Full Insurance Coverage in Tennessee
Here is the list of top auto insurance carriers that provide the cheapest full coverage in TN. This covers all coverages as defined by state law in full coverage requirements with maximum benefits. Drivers with a clean driving record may consider this option.
- Safe Auto: $114 per month
- Travelers: $138 per month
- GAINSCO: $148 per month
- The General Insurance: $158 per month
Additional Auto Insurance Coverage in Tennessee:
Now that you’ve learned about the different types of insurance that are required to drive in Tennessee. Let’s look at some types of insurance that aren’t required but can help you save money. If you have a car loan or lease, your lender may require you to have collision and comprehensive coverage. A driver can purchase the following types of insurance:
- Collision Coverage:
If you collide with another living or non-living subject, collision coverage will protect your car. Your insurance company will be responsible for all damage repair, whether it is caused by a pedestrian, tree, fence, or another vehicle.
- Comprehensive Coverage:
Comprehensive coverage is required to ensure that your vehicle is protected in the event of a natural or man-made disaster. Your insurance company will cover the costs of repairs if your vehicle is damaged by a flood, storm, fire, or vandalism.
- Uninsured and Underinsured Motorist Coverage:
This is useful if you are involved in an accident and the other driver’s insurance is insufficient to cover the losses. In this case, the insurance company will be responsible for covering your expenses.
- Medical/Funeral Services:
The driver will be covered by insurance for medical services such as calling an ambulance or transporting a deceased person. Furthermore, the company will assist with funeral services and cover all costs.
- Roadside Assistance:
If your vehicle breaks down in a deserted area, this type of coverage will come in handy. In such cases, you can contact your insurance company, and they will dispatch assistance right away. The insurance company will be responsible for all of the repairs.
- Loan/Lease Payoff:
This coverage is critical in the event that your vehicle is totaled and cannot be repaired. The insurance company will cover the amount owed on the vehicle’s outstanding loan or lease.
- Rental Car Reimbursement:
You can rent a car while your car is being serviced by your insurance company. The insurance company will cover the entire cost of renting a car.
Cheap Car Insurance Quotes in Tennessee on Ticket Profile
Certain factors affect the car insurance cost for every driver. All the insurance companies consider these factors to create some ticket profiles. These ticket profiles get the highest or lowest car insurance rates as compared to other common drivers. Below are the six ticket profiles in Tennessee:
Best Auto Insurance for Good Drivers in TN
A driver with a clean driving record and a long experience on the road is considered a good driver. The driving record should be clean from violations, DUIs, or at-fault accidents. Such drivers are also known as responsible drivers.
Responsible drivers always get lower car insurance rates than all the other drivers. Here are some top companies of Tennessee that provide the cheapest car insurance rates to good drivers:
Cheapest Car Insurance for Drivers with a DUI in Tennessee
As per CDC Tennessee state transportation safety report; 2,663 people were killed in crashes involving an alcohol-impaired driver in Tennessee from 2009-2018. Driving while inebriated is one of the most serious offences a driver can commit. Such drivers endanger not only their passengers, but also other motorists and pedestrians. As a result, DUI drivers are always thought to be dangerous. And insurance rates for risky drivers are always higher.
There are some ways to remove the DUI tag from your profile. But the process is long and expensive, involving court fees, reinstatement fines, and SR-22.
As a result; DUI drivers try to search for cheaper rates. Below is the list of top Tennessee insurance companies that have the cheapest insurance rates for DUI driver:
Cheap Car Insurance for Speeding Drivers in Tennessee
Speeding is thrilling for some people but it is dangerous for everyone. A speeding vehicle can get into a fatal crash in no time. Such drivers file more claims as compared to others hence they are considered risky. As per report of Insurance Institute for Highway Safety (IIHS); In 2019, a total of 9,478 deaths, or 26 percent of all motor vehicle fatalities, occurred in speed-related crashes.
Whenever an officer catches a speeding driver he or she adds some points to the driving record. Based on these points the insurance company increases the insurance premium for that driver. These points represent the speed of the driver at the time of the violation. The only way to get cheaper rates is to compare car insurance quotes as much as possible. Here are the top company in Tennessee that provides cheaper rates to the speeding drivers:
Cheap TN Car Insurance Rates for Drivers with an At-Fault Accident
In 2018; the expense in traffic crash deaths in Tennessee was $1.54 Billion. We all can understand the guilt and anxiety of an at-fault accident. But the most stressful part is; you will be declared as a risky driver. The accidents might be small, the impact might be just a dent but you will become an at-fault driver. In some cases, the insurance company denies the policy to the at-fault driver.
The driver is allowed to try accident forgiveness but the results depend on the victim and the insurance carrier. The best way to get cheaper rates for the at-fault driver is by asking for different types of car insurance discounts. Below mentioned is the list of the car insurance companies you can try to get affordable car insurance rates:
Cheap Car Insurance for Young Drivers in Tennessee
Drivers that are under 40 years of age with less driving experience on the state road are called young or new drivers. Young drivers always get the highest car insurance rates because they are the riskiest ones.
In 2018; 256 people died in road accidents that involved distracted teen drivers. If a driver is under 25 years then he or she can apply for a student discount. To avail student’s discount, the driver is required to have an average grade of B or higher.
Along with that Tennessee, car insurance rate calculations are free from factors like gender, education, or income level. We have analyzed the top companies for the cheapest car insurance rates for young drivers:
Cheapest Coverage for Drivers with Poor Credit in Tennessee
Drivers that have a bad credit score are considered irresponsible and risky drivers. And as we have mentioned above; risky drivers always get higher insurance costs as compared to the others. Such drivers are also advised to compare car insurance in TN from different companies and then ask for discounts. Then only they can get affordable car insurance.
Here is the list of top companies in Tennessee to get the cheapest car insurance for drivers with bad credit score:
Which Car Insurance Discounts are available in Tennessee?
The easiest way to get affordable car insurance in Tennessee is to get as many discounts as possible. Every company provides different types of discounts for car drivers. Here are the four most common discounts you can ask from any car insurance company:
Upfront Payment Discount:
Your insurance company will give you a good discount if you pay your annual premium in advance. Advance payment is preferred by every car insurance company. They reward the driver in order to promote this payment model. As a result, if you are financially capable of paying the annual premium in advance, you will receive a significant discount.
Safety Features Discount:
The driver, passengers, and the vehicle are all safer thanks to the safety features in the cars. As a result, the likelihood of accidents and injuries decreases, resulting in the driver filing fewer claims. You can get this discount if your car has features like automatic seat belts, anti-theft car alarms, and so on.
Multiple Vehicles Discount:
Do you own multiple vehicles and require coverage for all of them? Then your insurance company will try to persuade you to buy a policy from them for all of your vehicles. As a result, they will offer reasonable discounted rates; be sure to haggle as much as possible for this discount.
Multiple Policy Discount:
If you already have a car insurance policy and need additional coverage, you may qualify for this type of discount. It could be homeowner’s insurance, life insurance, or any other type of coverage. Your insurance company will try to persuade you to purchase all of your policies from them. As a result, you will receive substantial discounts.
SR-22 Car Insurance in Tennessee State
If your license got suspended due to any reason then SR-22 car insurance is compulsory for you. The reason for the suspension of your license can be too many violations, DUIs, or at-fault accidents. SR-22 insurance is proof that the driver is financially capable to cover the minimum car insurance requirements of the state.
The process of applying for SR-22 insurance is not expensive, just a couple of forms. But the cost to buy SR-22 car insurance is expensive and unaffordable for most drivers. Below is the list of all the top companies in Tennessee state that have the cheapest SR-22 car insurance:
|Average Annual Rate
|Annual Average Premium with SR-22 and DUI
Best Cities for Cheap Car Insurance in Tennessee
Location is one of the major factors for the calculation of car insurance for every driver. The state, city and even the Pincode of the driver plays a significant role. Each insurance company considers different factors to analyze the insurance cost of that area. These factors include the environmental conditions, crime rates, and road quality of that area. Hence based on these factors, there is a huge difference in the cost.
Here is the list of top Tennessee cities along with the average car insurance rates:
|Avg. Annual Premium
FAQs About Car Insurance In Tennessee
How to find the cheapest Car insurance in Tennessee near me?
The best ways to get auto insurance in tennessee near you are:
- Compare the rates: Don’t forget to compare auto insurance rates in tennessee from different companies in your area.
- Discounts: Ask for different types of car insurance discounts that apply to your profile.
Is it illegal to drive without car insurance in Tennessee?
Yes, every driver must have at least the minimum coverage of the state. So, not only in Tennessee but in all the states of the USA, it is illegal to drive without car insurance.
What is the average car insurance cost in Tennessee?
$1034 per year is the average cost of car insurance in TN for full coverage in Tennessee. This is slightly less than the national car insurance average rate in the USA, which is $1519 annually.
Why is car insurance expensive in Tennessee?
The car insurance cost in Tennessee is a bit less than the national average still it is higher than a lot of the states in the country. The major reason behind the expensive rates is; most of the drivers are uninsured. In Tennessee almost 23 percent of the drivers are uninsured.
Is Tennessee a PIP state?
No, personal injury protection is not compulsory in Tennessee. Hence, Tennessee is not a PIP state. In some states like Kentucky; PIP is included in the minimum requirements of the state car insurance with BIL and PDL.
Who has the cheapest car insurance in Tennessee?
There are a lot of factors that a car insurance company considers before providing a cost to any driver. Hence; It is unfair and impossible to just name one car insurance company in Tennessee. But the top companies of the state are SafeAuto, Gainsco, and Nationwide.
How do I file a car insurance claim after an accident?
The first step after a car insurance is to call and inform the police. The second step is to call and inform your insurance company. Your insurance carrier will guide you throughout the process and will explain the coverage you will get.
How to find the cheapest car insurance in Tennessee near you?
The best way to get the cheapest rates in any state is to get quotes from different companies and compare them. By comparing different quotes you will get a better understanding of how different companies are charging for the same coverage.
Editorial Guidelines: The above content is meant as general information to help you understand the different aspects of auto insurance. This information does not refer to any specific auto insurance policy. Coverages and other features vary between insurers, vary by state, and are not available in all states. References to costs of coverages/repair, average or typical premiums, amounts of losses, deductibles, etc., are indicative and may not apply to your situation. We encourage you to speak to our insurance representative and to read your policy contract to fully understand your coverages.