Tennessee is known for some of the best BBQ in the country and the Great Smoky Mountains. If you love country music, don’t forget to visit the Grand Ole Opry. And watch out for bears on mountain trails—they might be coming out of hibernation from one of the estimated 9,000 caves in Tennessee.
The good news is that you can find cheap car insurance in Tennessee. In fact, the state’s insurance rates are less than what many others in the country pay.
But that doesn’t mean you need to settle for just any car insurance coverage. Click the button below for a free quote from Cheap Insurance and see how much you can save.
Quick Tennessee Car Insurance Facts
- Tennessee’s minimum coverage requirement is 25/50/15.
- For full auto insurance coverage in Tennessee, the average cost is $1,338 per year.
- For minimum coverage in Tennessee, you’ll pay about $371 per year.
- In Tennessee, approximately 20% of drivers are uninsured—one of the highest rates across the nation.
Minimum Tennessee Car Insurance Coverage
You need to have a minimum amount of car insurance in Tennessee. You can find the requirements on the state’s Department of Revenue website.
If you drive in the state, you must have at least the following auto insurance coverages for bodily injury and property damage.
Property damage: $15,000 in coverage per accident
Bodily injury/death: $25,000 in coverage for bodily injury per person, $50,000 per accident
Getting Cheap Car Insurance in Tennessee
You can easily find cheap car insurance in Tennessee by following these money-saving tips:
- Compare rates. Cheap Insurance can help you compare car insurance providers with ease. Instead of researching each one, let us provide you with a quote.
- Use your affiliation. Are you a veteran or government employee? If so, you might be able to get a discount on your insurance.
- Consider a different vehicle. An older vehicle may be cheaper to insure overall, but a newer vehicle often comes with safety features that can qualify you for extra discounts. A sports car is more expensive to insure than a sedan. Think about how your vehicle choice will affect insurance rates.
Tennessee Car Insurance Discounts
Even though Tennessee car insurance coverage is already fairly cheap, it’s possible to save even more money. Here are some discounts you might want to look into:
Good Driver: Avoid speeding tickets, and you could get a good discount. Talk with your car insurance provider.
Good Student: While young drivers often pay higher rates, you may be able to get a discount if you’re a young student under age 25 with good grades.
Pay by the Mile: Some car insurance providers offer discounts for safe drivers who don’t drive often.
Higher Deductible: If you have comprehensive and collision coverage, opt for a higher deductible and save money.
FAQ
What is the average car insurance cost in Tennessee?
In Tennessee, most people pay about $1,338 per year for car insurance coverage.
How much is car insurance per month in Tennessee?
This amounts to roughly $112 per month.
What is the penalty for driving without insurance in Tennessee?
If you are caught driving without insurance in Tennessee, you will be charged with a Class C misdemeanor. The fine is $300, and the state will suspend your license and car registration until you provide proof of insurance.
What is driving like in Tennessee?
Tennessee has a lot of traffic, especially in Nashville. The city is growing rapidly, making slowdowns even more common, especially during the morning and evening commutes. It’s often better to stick to surface streets. Be wary of driving on “The Dragon’s Tail,” an 11-mile stretch of road on US 129 with 318 curves.
How can I save money on my car insurance policy in Tennessee?
Cheap car insurance in Tennessee is possible with these methods:
- Use the same car insurance provider to insure multiple vehicles.
- Pay your entire premium at once rather than making payments.
- Take a defensive driving course, and you may get a discount.
Other Types of Coverage
While you do need at least the minimum coverage, there are other types of insurance coverages in Tennessee. Here are some coverage options to consider:
Uninsured Motorist Coverage (UMC)/Underinsured Motorist coverage (UIM)
Medical Payments Coverage
Physical Damage Coverage
Additional kinds of coverage
Endorsements and Riders
- Towing and road service: If you break down while on the road, you can get roadside assistance such as gas, battery charges, and tow trucks with this coverage.
- Rental car reimbursement: If you have this coverage, you can get reimbursed for using a rental car.
- Gap insurance: Gap insurance, as the name implies, covers the gap between the balance of your auto loan and the actual value of your vehicle.
Cities We Cover in Tennessee
Cheap Insurance can help you save. We cover these cities throughout Tennessee:
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