Cleveland Car Insurance

Your Complete Guide to Cleveland, TN Car Insurance

Find the right car insurance policy for you.

Whether you are driving on US 11, Mouse Creek Road, or Benton Pike, you can be involved in a minor fender bender or a serious car crash at any time in Cleveland, Tennessee. That’s why Cleveland drivers need car insurance. Your auto insurance policy can help pay to repair your car after an accident. And if you’re at fault, it can help reimburse other drivers for any vehicle damage or injuries that you caused. An independent insurance agent can help you find the best policy for your needs. Independent agents can work with multiple insurance companies to get you customized quotes, so you can be sure you are getting the best coverage at the best price. 

Tennessee Car Insurance Requirements

Drivers in most states must typically purchase a minimum amount of liability coverage in order to protect themselves and other drivers. Each state has different requirements. In Tennessee, the minimum car insurance requirements are:  

  • 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

While the minimum coverage requirements in Tennessee might seem sufficient, keep in mind that choosing to purchase only minimum coverage is probably not the best choice for most drivers. You will be covered for minor accidents. But if you’re in a serious accident involving multiple cars and injuries, a minimum-coverage policy will likely leave you with serious gaps in coverage and having to pay out-of-pocket for everything that your policy doesn’t cover. 

Purchasing higher liability insurance limits offers much better protection for the most serious accidents and any resulting lawsuits. And if you have a lot of assets to protect, you might want to consider a personal umbrella insurance policy. Umbrella insurance covers damages that exceed the limits of your auto insurance policy. An independent insurance agent can help you decide what coverage limits are best to protect your assets. 

How Much Does Auto Insurance Cost in Cleveland, TN?

Tennessee is the 24th most expensive state for car insurance, and rates in Cleveland can get pretty high. If you want to save on car insurance in Cleveland, it's best to shop around.

  • National average annual car insurance cost: $1,311
  • Tennessee average annual car insurance cost: $1,263
  • Cleveland average annual car insurance cost: $1,612

These are only estimates of what your Cleveland car insurance might cost. Everyone’s rates are a little different because car insurance premiums are based on several factors that are unique to you. Your car insurance rates are influenced by your individual characteristics that help insurance companies predict how risky you might be as a driver. These factors include the make, model, and year of your vehicle, whether you own or rent your home, and how far you drive to work or school every day. Insurance companies also charge different rates depending on your age, marital status, and gender. 

The accident and auto theft rates in your ZIP code or city also play a big role in your auto insurance rates. If you live in a safe city, it may help you save. Most insurance companies offer numerous discounts to help you keep costs down. Bundling your home insurance or renters insurance with your auto insurance is one way to earn a discount from most insurance companies. An independent insurance agent in Cleveland can help you obtain quotes from multiple insurance companies so you can compare coverage and rates. 

Number of Uninsured Motorists in Tennessee 

Car insurance is required for all drivers in Tennessee, but that doesn’t mean that everyone obeys the law. 

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

Uninsured motorist coverage is there for you if you are in an accident with an uninsured, underinsured, or hit-and-run driver. It pays for your vehicle damage and medical bills when you can’t collect from the at-fault driver. Uninsured motorist coverage is not required in Tennessee, even though the state has a very high percentage of uninsured drivers. 

Number of Auto Thefts in Tennessee

The auto theft rate in Cleveland is higher than both the state and national averages. This is probably why average auto insurance rates in Cleveland are significantly higher than in many other cities in Tennessee.

  • National auto theft rate per 1,000 vehicles: 2.94
  • Tennessee auto theft rate per 1,000 vehicles: 2.27
  • Cleveland auto theft rate per 1,000 vehicles: 5.72

With a higher risk for auto theft, it’s important for Cleveland drivers to make safety a top priority. Always park in well-lit places and be sure to lock your car, even in your own driveway. Consider installing a car alarm, too. Car alarms are a great theft deterrent and may also help you qualify for a discount on your auto insurance policy. 

And remember, if you want coverage for your stolen vehicle, be sure you select comprehensive coverage or you will not be reimbursed for a stolen or vandalized car. While this coverage is optional, your lender may require you to have it until your car loan is paid off. And comprehensive insurance covers more than just theft. It also reimburses you for repairs if your car is damaged by falling objects, floods, structure fires, and more.  

Why Contact an Independent Insurance Agent?

Drivers in Cleveland can work with a local independent insurance agent to find the right auto insurance. Independent agents can work with multiple insurance companies so you can compare quotes and choose the best policy for your needs and budget. 

Find an agent in or near Cleveland to learn more. 

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