Hendersonville Car Insurance

Your Complete Guide to Hendersonville, TN Car Insurance

Find the right car insurance policy for you.

Hendersonville is the fourth-largest city in the Nashville metropolitan area; it is located 18 miles northeast of Nashville. This is one of the fastest-growing metropolitan areas in the US. This explosive growth can also lead to busy, congested roads and major traffic headaches. A reliable car insurance policy can protect Hendersonville residents from facing a large financial burden after a car accident. And while car insurance can sometimes be confusing, a local independent insurance agent can help you find the best policy for your needs and budget. 

Tennessee Car Insurance Requirements

The state of Tennessee requires you to have a minimum amount of auto insurance in order to protect other drivers if you cause a crash. The following are the minimum coverage requirements for Tennessee vehicle owners:

  • 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

Auto liability insurance allows you to pay for medical expenses and vehicle damage for other drivers and passengers if you cause a crash. While the minimum amount of insurance required by the state may seem sufficient, most Tennessee drivers should consider purchasing additional coverage. A local independent insurance agent can help you assess your risks and make sure you have enough coverage to protect your assets should the worst happen. Otherwise, if you cause an accident where the cost of damage exceeds your coverage limits, you will have to pay out-of-pocket for whatever you owe other drivers and whatever it costs to fix your own car. 

How Much Does Auto Insurance Cost in Hendersonville, TN?

Tennessee is the 24th most expensive state in the nation for car insurance. Shopping around for the best rate and taking advantage of discounts can help you save, no matter where you live.

  • National average annual car insurance cost: $1,311
  • Tennessee average annual car insurance cost: $1,263
  • Hendersonville average annual car insurance cost: $1,087

Car insurance rates are determined on a case-by-case basis, so you may have to pay more or less than the average for drivers in your town. The factors that insurance companies use to determine how much you should pay include your age, gender, marital status, and driving history. They may also use your credit score as a way to determine how likely you are to file a claim. The year, make, and model of your car play a significant role in how much you pay for car insurance. 

If you drive a speedy sports car or a luxury SUV, expect to pay more than someone who drives a moderately priced sedan or a family-friendly minivan. Bundling policies with one carrier is a great way to earn a discount on your auto insurance. Most insurance companies also offer a variety of other discounts to help you keep costs down. An independent insurance agent in Hendersonville can help you find the best policy for your needs and make sure that you are maximizing the discounts that you qualify for.

Number of Uninsured Motorists in Tennessee 

There are many drivers on the road who do not have auto insurance, even though having car insurance is required by law. Tennessee has the 5th highest percentage of uninsured drivers in the nation, which makes purchasing uninsured motorist coverage one of the most important things you can do to protect yourself. 

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

Uninsured motorist coverage is not required in Tennessee, but it is generally recommended for most drivers. It enables you to receive reimbursement for your vehicle damage and medical expenses if you are in an accident caused by an uninsured, underinsured, or hit-and-run driver. Your insurance company will still attempt to recover the costs from the at-fault driver, but you can have peace of mind knowing that you’ll be compensated, no matter what. 

Number of Auto Thefts in Tennessee

The auto theft rate in Tennessee is lower than the national average. The current average auto theft rate in Hendersonville is 0.49 thefts per 1,000 vehicles, making it very unlikely that your car will be stolen there.

  • National auto theft rate per 1,000 vehicles: 2.94
  • Tennessee auto theft rate per 1,000 vehicles: 2.27
  • Hendersonville auto theft rate per 1,000 vehicles: 0.49

While your car is safe at home in Hendersonville, it can still be stolen. Cars are burglarized and stolen just about anywhere, and if it happens to you the comprehensive coverage portion of your auto insurance policy will reimburse you for your lost or damaged car. Comprehensive coverage is optional, but it is generally considered to be an essential way to avoid the financial fallout when something damages your car. In addition to reimbursing you for a stolen car, comprehensive coverage helps you pay for repairs if falling objects, floods, structure fires, or other hazards cause damage to your car. A local independent insurance agent can help you determine the coverage options that are best for your needs. 

Why Contact an Independent Insurance Agent?

Independent insurance agents are a great resource for information and assistance when you are shopping for auto insurance. Your agent can explain your coverage options and pricing and can offer quotes from multiple insurance companies so you can make an informed choice. 

Contact an agent in Hendersonville to get started. 

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