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Cheap Car Insurance Quotes Tennessee

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Cheap Car Insurance Quotes Tennessee

Tennessee car insurance, Cheap Car Insurance Quotes Tennessee

Finding affordable and reliable car insurance is a crucial step towards ensuring financial security and peace of mind on the road. Tennessee has an average annual vehicle insurance premium of $1,262, which is 17% cheaper than the national average. There are other factors than geography that affect auto insurance rates. many factors affect auto insurance prices, such as the age and driving record of the motorist. Continue reading to find out how much Tennessee auto insurance costs based on these factors and many more.

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Tennessee’s Regulations For Auto Insurance

Tennessee is one of the nearly fifty states where auto insurance is required. In Tennessee, the required minimum coverage level entails annual costs of approximately $373. This premium is 31% less expensive than the average for the country.

In Tennessee, the required minimum coverage level entails annual costs of approximately $373.

Affordable Car Insurance Companies in Tennessee

These companies offer the cheapest rates in the following scenarios.

  • Cheapest for full coverage: State Farm

The cheapest rates for full coverage in Tennessee are from State Farm at $946 annually or $79 monthly.

  • Cheapest for drivers with bad credit: Farmers

Check out Farmers for the best average rates if you have bad credit.

  • Cheapest for minimum coverage: Auto-Owners Insurance

Auto-Owners offers the cheapest rates for minimum liability coverage.

Cheap Car Insurance Companies in Tennessee

Company Avg.                     Annual Premium

State Farm ………………………….$946

USAA………………………………… $1,126

Farmers ……………………………..$1,333

GEICO………………………………. $1,392

Progressive ………………………..$1,679

Allstate…………………………….. $2,226

State minimum Insurance coverage In Tennessee

Tennessee requires you to carry at least the minimum liability levels indicated below to drive a vehicle legally:

  • $25,000 in bodily injury per person
  • $50,000 in bodily injury per accident
  • $25,000 in property damage per accident

Tennessee cheap car insurance for people with bad credit

Your credit history has a significant role in setting your auto insurance premiums. Having a low credit score makes you a greater risk customer for many carriers, which could result in increased insurance costs. Poor credit drivers in Tennessee pay 162% more annually on average than excellent credit drivers. View some typical rates broken down by credit tier below.

Company Avg.             Annual Premium

Farmers……………………. $1,986

GEICO ……………………..$2,031

USAA………………………. $2,104

Progressive ………………$2,762

Allstate…………………… $3,149

State Farm ………………$6,055

Optional Insurance coverage in Tennessee 

In Tennessee, the premium for comprehensive coverage with a $1,000 deductible is $1,093, which is 193% higher than that of liability-only auto insurance.

  • Comprehensive
  • Collision
  • Medical Pay
  • Roadside assistance
  • Personal injury protection
  • Uninsured motorist bodily injury
  • Uninsured motorist property damage

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