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Best Auto Insurance In Tennessee – Partner Content: This content is created by Dow Jones business partners and is independently researched and written by the newsroom. Links in this article may earn us a commission. Learn more
The cost of car insurance in the Volunteer State is 26% lower than the national average. This means that the cheapest car insurance in Tennessee is among the most affordable in the country. We at the Home Media analysis team found total coverage estimates as low as $797 per year, or $66 per month from USAA. The chart below shows the lowest cost providers in Tennessee for comprehensive coverage.
Best Auto Insurance In Tennessee
Our team took an in-depth look at the top auto insurance companies in the country and what they offer Tennessee drivers in terms of rates, coverage, reputation and customer service. You will find first impressions of drivers in different cities in Tennessee, of different ages and with different driving histories.
Largest Auto Insurance Companies In The U.s. (2022)
According to our data, Tennessee drivers pay an average of $127 per year, or $107 per month for full coverage. This is about 26% lower than the national average of $173,000 per year, making Tennessee one of the cheapest states for car insurance.
When it comes to auto insurance and limited coverage, the average estimate for Tennessee drivers is $415 per year, or $35 per month. This is more than 35% cheaper than the national average for minimum coverage.
Your prices will vary from the estimates you see in this article. That’s because auto insurance companies in Tennessee and elsewhere base their rates on a variety of factors that apply to you and your car.
Car insurance rates vary between states, but even in Tennessee, you’ll find that rates vary between different cities and zip codes as well. This table shows the estimated population density for the 25 most populous cities in Tennessee.
The Best Cheap Car Insurance In Tennessee In 2022
The age of the driver is probably the biggest cost factor in car insurance. Young drivers and especially teenagers pay higher premiums than drivers of other ages. The chart below shows the average coverage rates for Tennessee drivers of different ages.
Erie Insurance wants to provide the cheapest car insurance for 16-year-old drivers in Tennessee, with an estimated cost of $2,988 per year, or $249 per month. The estimated average cost for 16-year-old Tennessee drivers is $7,703 per year, or $642 per month. That’s 316% more than the national average for 35-year-old drivers.
In Tennessee, Erie Insurance typically offers the lowest premium for 17-year-old drivers, with an average premium of $2,706 per year, or $226 per month. The average estimate for car insurance in Tennessee for a 17-year-old driver is $6,500 per year, or $504 per month. This is 227% more than the estimate of the average 35-year-old driver in the region.
For those who qualify, USAA typically offers the cheapest coverage for 18-year-old drivers in Tennessee at an average estimate of $248 per year or $207 per month. The average estimate for 18-year-old Tennessee drivers is $5,414 per year, or $451 per month. This is 193% more than the average rate for a 35-year-old driver in Tennessee.
Best Cheap Car Insurance In Chattanooga For 2022
USAA wants to offer the cheapest car insurance for Tennessee drivers 21 years old, with an average estimate of $1,279 per year, or $107 per month. For these drivers, the estimated cost is $2,965 per year or $247 per month. That’s about 55 percent higher than the average estimate for 35-year-old drivers in Tennessee.
In Tennessee, drivers over the age of 25 can get cheap insurance with USAA, which offers an estimated cost of $2,500 a year, or $84 a month. The average estimate for a 25-year-old driver in Tennessee is $2,332 per year, or $178 per month. This is 15% more expensive than the estimated average of 35 year old drivers in the country.
Safe driving goes a long way when trying to keep your car insurance premiums low. Drivers with a speeding ticket on their record pay an average of $148,000 a year for auto insurance in Tennessee.
You can expect your car insurance premiums to increase if you have recently been in an accident. On average, Tennessee drivers with an accident on their record pay $1,783 a year for coverage.
Average Cost Of Car Insurance For 18 Year Olds In 2022
Having a DUI conviction on your driving record can cause your car insurance rates to go up. Tennessee drivers with a DUI pay an average of $1,894 per year for coverage.
Drivers with bad credit pay some of the highest auto insurance premiums in the state of Tennessee. On average, people with bad credit pay about $2,496,000 a year.
In addition to finding the cheapest auto insurance providers in Tennessee, it’s important to review each company’s offerings, customer service standards, and more to make an informed decision. Based on our research, we ranked USAA, State Farm, Geico and Tennessee Farmers as the best options for Tennessee drivers.
*Our research team takes country factors into account when evaluating donors. The offer rankings in this table are specific to auto insurance in Tennessee.
Dissatisfaction With Auto Insurance Continues As Customers Switch Providers
With some of the lowest average rates for many types of Tennessee drivers, USAA is our largest provider in the state. The company also received the highest customer satisfaction rating from J.D. Power 2021 U.S. Learn Auto Insurance℠. Although coverage is only available to military personnel, veterans and their families, it can be a good option for those who qualify.
State Farm has been offering quality insurance products since 1922. It is the largest auto insurance company in the United States and can be a strong coverage option especially for Tennessee drivers. State Farm offers the lowest average rates across the board, especially for young and high-risk drivers in Tennessee.
Geico is our top choice for auto insurance nationwide, and it can be a smart choice for many Tennessee drivers. The insurance company has strong industry ratings of AM Best and BBB, indicating that you can trust it to pay claims and settle claims. Geico is known for its average prices, great coverage options and a variety of policy options.
As the nation’s largest state farm organization, Tennessee Farmers provides opportunity to one in four people in the state. The local insurance company has been offering insurance products since 1948 and has an excellent industry reputation, with an A+ rating from BBB and AM Best. You must be a member of the Tennessee Farm Bureau to be covered, but the process is simple and only requires a $30 membership fee.
Best Car Insurance For New Drivers In 2022
Although liability insurance is only required under your state’s coverage limits, it’s a good idea to get a comprehensive insurance policy that includes collision coverage, comprehensive coverage, and uninsured/underinsured motorist coverage to make sure you’re covered.
Tennessee is a failed state. This means that the driver found at fault in the accident will be held legally and financially responsible for any damages caused by the accident. Most states across the country follow insurance policies, making Tennessee’s auto insurance policy the same.
Based on our research, we recommend USAA, State Farm, Geico and Tennessee Farmers as the best choices for auto insurance in Tennessee for their low rates and good industry reputation. To get an idea of what you can pay for insurance coverage, talk to providers to compare car insurance quotes and find the best option for your needs.
Based on our cost estimates, full coverage auto insurance costs $127 per year or $107 per month in Tennessee. This is approximately 26% lower than the national average of $173 per year or $144 per month.
J.d. Power Names Best Car Insurance Companies In The U.s. For 2021
Tennessee ranks as the 34th most expensive for auto insurance coverage, according to the National Association of Insurance Commissioners (NAIC). The average cost of car insurance in Tennessee is about 29% cheaper than the national average.
Yes, auto insurance is required in Tennessee. Under Tennessee law, drivers must carry $25,000 per person and $50,000 per accident in bodily injury coverage and $15,000 per accident in property liability.
Because customers depend on us to provide objective and accurate information, we have developed a comprehensive rating system to create our ranking of the best car insurance companies. We collect data on a dozen car insurance providers that score companies on a variety of structural factors. The final result was an overall rating for each provider, with insurance companies getting the most points at the top of the list. The best auto insurance companies in Tennessee are General, GAINSCO and Direct Auto. The best auto insurance companies in Tennessee have high levels of customer satisfaction, easy claims processing, and affordable coverage. Tennessee has the 15th cheapest insurance rates in the country, but it’s still important to find coverage. Drivers in the state can save hundreds of dollars a year by simply comparing quotes and choosing one of the best auto insurance companies in Tennessee.
It pays to be protected by one of the best auto insurance companies in Tennessee. There are more than 200,000 car accidents in the state every year, resulting in billions