Bartlett Car Insurance

Your Complete Guide to Bartlett, TN Car Insurance

Find the right car insurance policy for you.

Bartlett, Tennessee is a city of over 54,000 residents located northeast of Memphis. Drivers in Bartlett know that the roads can become busy and congested at any time. Unfortunately, busy highways can also lead to accidents. Whether you’re involved in a fender bender or a major crash, a reliable car insurance policy can protect you from the costs of auto accidents that you cause. And certain policy options can also protect you if your car is damaged by falling objects, theft, or vandalism. Car insurance can sometimes be confusing, but an independent insurance agent in Bartlett can help you find the best policy for your needs and budget. 

Tennessee Car Insurance Requirements

If you own a vehicle in Tennessee, you are required to purchase a certain amount of auto insurance. The minimum amount of coverage that you must have in order to comply with Tennessee law includes the following: 

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal injury protection (PIP): Not required
  • Uninsured motorist coverage: Not required
  • Minimum liability limits: 25/50/15; coverage up to $50,000 for all persons injured in an accident, subject to a limit of $25,000 for one individual; and $15,000 coverage for property damage

Your auto liability coverage is the portion of your policy that pays for medical bills and property damage for third parties. It also pays for your legal costs if you are sued for negligence. The minimum coverage limits required by the state may seem sufficient at first glance, but a minimum-coverage policy may leave you underinsured—especially if you cause a major accident. 

When you cause a crash, you have to pay for all of the other drivers’ and passengers’ medical expenses and property damage. If those expenses exceed your coverage limits, you’ll still have to pay. And everything above and beyond your coverage limits will have to be paid out-of-pocket instead. An independent insurance agent can help determine how much liability coverage is necessary to adequately protect your family and you. 

How Much Does Auto Insurance Cost in Bartlett, TN?

Tennessee is the 24th most expensive state for car insurance, and rates in Bartlett are even lower than the state average. You can shop around for the best rates and take advantage of discounts to save even more.

  • National average annual car insurance cost: $1,311
  • Tennessee average annual car insurance cost: $1,263
  • Bartlett average annual car insurance cost: $1,098

Every insurance company charges somewhat different rates, and you definitely won’t pay the same as your neighbor. Car insurance rates are based on your individual risk factors that help the insurance company determine how likely you are to file a claim. Insurance companies evaluate the year, make, and model of your car, as well as personal characteristics about you, like your age, gender, and marital status. Other factors play a role, too, such as:

  • Your credit score
  • The deductibles and coverage limits that you choose
  • Whether you own or rent your home
  • The auto theft rates in your city or ZIP code

Independent insurance agents in Bartlett make comparison shopping easy. An independent agent can obtain quotes from multiple insurance carriers, so you can compare costs and coverage and make the best choice for your needs.  

Number of Uninsured Motorists in Tennessee 

Unfortunately, many Tennessee residents drive without insurance coverage. That leaves them without a financial backup if they cause a crash, and puts everyone else on the road at risk, too. 

  • How many US drivers are uninsured? 12.6%
  • How many Tennessee drivers are uninsured? 20%

Uninsured motorist coverage is one of the few ways that you can protect yourself. It provides immediate reimbursement for your vehicle damage and medical expenses if you’re in an accident that is caused by an uninsured, underinsured, or hit-and-run driver. Your insurance company will attempt to collect the funds from the at-fault driver—a time-consuming and often unsuccessful process. If they cannot collect, the insurance company absorbs the costs, instead of you. 

Number of Auto Thefts in Tennessee

The auto theft rate across the state of Tennessee is lower than the national average. Bartlett has a very low auto theft rate, which is one of the reasons why car insurance tends to be quite affordable for Bartlett residents. 

  • National auto theft rate per 1,000 vehicles: 2.94
  • Tennessee auto theft rate per 1,000 vehicles: 2.27
  • Bartlett auto theft rate per 1,000 vehicles: 0.87

Even though your town is very safe, you can’t ignore the threat of car theft. While you should always lock your car and park in safe, well-lit places, you may still be a victim no matter how careful you are. If your car is stolen or vandalized in Bartlett or elsewhere, the comprehensive coverage portion of your auto insurance policy will reimburse you for your lost or damaged car. 

Comprehensive coverage also reimburses you if falling objects, floods, structure fires, or other hazards cause damage to your car. If you have a car loan, you’ll probably be required to purchase comprehensive coverage until your loan is paid in full. Talk to an independent insurance agent in Bartlett about how comprehensive coverage can help you in a variety of unfortunate situations. 

Why Contact an Independent Insurance Agent?

Independent insurance agents are insurance professionals who can explain your coverage options, answer your questions, and provide you with customized car insurance quotes from multiple insurance companies. With the help of an independent agent, you can make an informed choice. 

Start your search by contacting an independent agent in Bartlett.

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