Popular QuestionsPopular Questions about Tennessee Car Insurance

How much does Tennessee car insurance cost? $1,263

On average, Tennessee drivers pay $1,263 per year for car insurance. This is lower than the national average of $1,311 per year. As a vehicle owner in Tennessee, you can find the best rates by comparison shopping. Independent insurance agents can help by getting customized quotes from multiple insurance companies for you. That way, you can be sure you are getting the coverage you need at a competitive price.

 

What does Tennessee car insurance actually do for me?

Accidents can happen in the blink of an eye. If you are involved in a crash, here are a few of the ways that your Tennessee auto insurance can help.

  • Fix your car: Not required. We call this "comprehensive and collision coverage," and though it is not required by the state, it may be required by your lender. 
  • Fix someone else's car: Required/Min. $15,000. We call this "property damage liability." 
  • Pay your medical bills: Not required. We call this "personal injury protection" or "PIP."
  • Pay someone else's medical bills: Required/Min. $25,000 per person / $50,000 per accident. We call this "bodily injury liability."

Like most states, Tennessee requires all drivers to have liability insurance coverage in an amount that meets or exceeds the state’s minimum requirements. These mandatory limits ensure that drivers are prepared to pay for other people’s property damage and medical bills if they cause an accident. 

Who pays if the accident wasn't my fault?

The driver who caused the accident is responsible for paying for your damage and injuries.

How many Tennessee drivers are uninsured? 20.0%

Despite laws that require car insurance in Tennessee, about one out of five drivers you are sharing the roads with is driving an uninsured vehicle. These drivers have no financial backup plan for accidents, and are unlikely to be able to pay for the resultant damage if they cause an accident. 

Fortunately, by including uninsured motorist coverage in your auto policy, you can have peace of mind and the protection you need if an uninsured driver hits you. This optional coverage pays for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. Your insurance company will then assume the responsibility of trying to collect the money owed from the at-fault driver. 

Are there any independent insurance agents in Tennessee?

Yes! There are currently 366 Trusted Choice agents in Tennessee who are ready to help. Did you know that independent insurance agents can work with several different insurance providers to find you the best rate for auto coverage? That way, you can buy a policy that meets all your coverage needs at a price you can afford.

InformationFind the Best Insurance in Your City

Now, let's take a quick peek at what’s going on in your city. Insurance companies look at a lot of factors when determining car insurance costs. One of many factors is location. Crime rates and time spent in the car will factor into how much your car insurance will cost.

How does your city measure up to the national average?

  • National average car insurance cost: $1,318 / year
  • National average car thefts per 1,000 vehicles: 2.94
  • National average time spent commuting: 25.4 min


CityCommute Time (min)Theft Rate per 1,000 VehiclesAnnual Insurance CostMonthly Insurance Cost
Chattanooga19.35.96$1,649$137
Cleveland19.05.72$1,612$134
Memphis21.04.93$1,549$129
Knoxville19.74.63$1,484$124
Cookeville21.83.13$1,331$111
Nashville23.62.64$1,303$109
Columbia25.61.80$1,234$103
Kingsport17.62.90$1,217$101
Murfreesboro25.31.53$1,193$99
Clarksville23.41.19$1,111$93
Johnson City18.21.79$1,085$90
Dyersburg15.42.21$1,084$90
Collierville23.80.57$1,038$87
Tullahoma19.01.20$1,024$85
Jackson14.31.90$1,021$85
Franklin21.80.48$987$82
Brentwood23.00.26$982$82

Nashville, TN Car Insurance

The average monthly cost of car insurance in Nashville is $109. Insurance companies will take into account such things as your age, gender, and driving record, as well as details about your vehicle, when calculating a personalized quote for you. Remember, this average only serves as a baseline. Your actual monthly cost could be higher or lower than this amount. 

Whether you find yourself in a multi-vehicle collision on Route 65 or hit a guardrail on Hickory Hollow Parkway, a good car insurance policy can cover your costs. By purchasing a policy that includes collision coverage, you can be sure that damage to your vehicle is covered, even if the accident is your fault. Talk to an independent agent in Nashville to learn more about how each car insurance coverage option can benefit you.

Memphis, TN Car Insurance

The average monthly cost of auto insurance in Memphis is $129. When calculating your actual rate, insurance companies will take several factors into account including your vehicle’s make, model and year, and your age, driving record, and credit score. This means your monthly cost could be significantly higher or lower than this average.

There are several parts of Memphis that pose a significant risk to area drivers. One of the worst is where I-40 meets Sycamore View Road. Nearly 500 crashes have occurred at this interchange. The good news is, if you have a solid, all-inclusive car insurance policy backing you up, you do not need to worry about an accident having a detrimental impact on your finances. As long as your policy includes collision insurance, your vehicle damage will be covered, even if you are at fault.

Knoxville, TN Car Insurance

The average monthly cost of car insurance in Knoxville is $124. Of course, this is just an average. Your actual monthly cost could be higher or lower depending on a number of factors such as your driving history and credit score and details about the vehicle you wish to insure. Let an independent insurance agent compile a variety of customized Knoxville car insurance quotes so you can find the policy that offers the best value.

Knoxville residents occasionally experience hailstorms with stones more than one inch in diameter. These large hailstones can do serious damage to cars, from dents to cracked windshields. Fortunately, if your policy includes comprehensive coverage, your insurance company can cover the cost of repairs. Learn more about comprehensive coverage as well as the other optional coverages available to you by speaking with one of Knoxville’s experienced independent agents.

Chattanooga, TN Car Insurance

The average monthly cost of auto insurance in Chattanooga is $137. Because your auto insurance rates are customized according to your personal details, your actual monthly cost could be considerably higher or lower than this amount. Your driving record, your vehicle’s year, make and model, and the amount of coverage you want are just some of the many factors that can influence how insurance companies calculate your price.

Can you imagine walking out of a supermarket to find that your car has been stolen? As a resident of Chattanooga, which has one of the highest auto theft rates in the state, this is a valid concern. That is why many vehicle owners opt to include comprehensive coverage in their car insurance policies. This optional coverage can pay for damage caused by non-collision events such as  theft, hailstorms, tornados, floods, and residential fires. Find an insurance agent in Chattanooga to learn more.

Murfreesboro, TN Car Insurance

The average monthly cost of car insurance in Murfreesboro is $99. However, you should take this average with a grain of salt. Your monthly cost could be higher or lower than this, since your auto insurance rate is completely personalized according to your driving history, vehicle information, deductible amount, and more.

The more time you spend behind the wheel of your car, the more likely you are to be involved in a collision. Residents of Murfreesboro have some of the longest commute times in the state. This extra time spent getting to and from work can translate to higher costs for car insurance. Talk to an independent insurance agent in Murfreesboro to find out what you can do to lower your costs on car insurance.