Mount Juliet Car Insurance

Your Complete Guide to Mount Juliet, TN Car Insurance

Find the right car insurance policy for you.

Mount Juliet is a suburb of Nashville. Whether you’re driving on I-40 toward Nashville or eastbound through town on Lebanon Road, dangerous driving conditions can develop at any time, and no one is immune to the threat of being involved in a crash. Car accidents can be emotionally stressful and financially devastating. But you can have peace of mind if you purchase a quality, reliable car insurance policy. A local independent insurance agent can explain your options, obtain multiple quotes for comparison, and help you choose the best policy for your needs and budget. 

Tennessee Car Insurance Requirements

Driving without car insurance means that you are entirely unprotected from the financial consequences of causing a crash—and you endanger the financial well-being of everyone else on the road, as well. If you own a vehicle in Tennessee, state law requires you to purchase a minimum amount of auto insurance to ensure that you can pay for any accidents that you cause. The minimum insurance requirements for Tennessee drivers 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

You might think that purchasing the minimum coverage is sufficient, but it’s important to discuss your coverage needs with a knowledgeable insurance agent. Most people will need additional coverage and higher auto liability insurance limits to avoid being seriously underinsured. An independent insurance agent in Mount Juliet can help you assess your coverage needs and find a policy that adequately protects your assets after a serious crash. 

How Much Does Car Insurance Cost in Mount Juliet, TN?

Tennessee has the 24th most expensive car insurance rates in the nation, on average. Car insurance rates in Mount Juliet tend to be similar to the state average. 

  • National average annual car insurance cost: $1,311
  • Tennessee average annual car insurance cost: $1,263
  • Mount Juliet average annual car insurance cost: $1,229

Remember, auto insurance rates often vary significantly from one driver to the next, so you won’t pay the same as your neighbors or co-workers. This is because insurance rates are calculated based on several individual risk factors that help the insurance company determine how likely you are to be in an accident or file a claim for theft or some other type of loss. Some of the risk factors that influence your car insurance rates are:

  • Your age, gender, and marital status 
  • Your driving history and credit score
  • Your car’s year, make, and model
  • The approximate number of miles you drive each year
  • The crime rate in your city or ZIP code

The coverage limits, coverage options, and deductibles that you choose will also influence your car insurance rates. You’ll pay more for higher coverage limits and if you purchase other coverage options, but you can save money by choosing higher deductibles. Most insurance companies also offer a variety of discounts so that nearly everyone has an opportunity to save. An independent insurance agent in Mount Juliet can help you compare quotes, choose policy options, and maximize your discounts. 

Number of Uninsured Motorists in Tennessee

Driving without insurance is against the law in Tennessee, but many drivers continue to drive without coverage. In fact, Tennessee has the 5th highest number of uninsured drivers in the US. That puts everyone at risk. 

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

Uninsured motorist coverage is required in some states, but not in Tennessee. But it remains the best way to protect yourself from the financial consequences when an uninsured, underinsured, or hit-and-run driver hits you. If you have uninsured motorist coverage, you’ll be reimbursed for your vehicle damage and medical expenses even if your insurance company can’t collect from the at-fault driver. If the at-fault driver can’t or won’t pay, you won’t be stuck paying out-of-pocket for injuries or property damage caused by someone else. 

Number of Auto Thefts in Tennessee

The auto theft rate across the state of Tennessee is lower than the national average. The annual auto theft rate in Mount Juliet is 1.53 per 1,000 cars. That’s great news for local residents. 

  • National auto theft rate per 1,000 vehicles: 2.94
  • Tennessee auto theft rate per 1,000 vehicles: 2.27
  • Mount Juliet auto theft rate per 1,000 vehicles: 1.53

No matter where you live, it’s important to consider adding comprehensive coverage to your auto insurance policy. While this coverage is optional, it’s valuable when your car is damaged in a variety of situations other than collisions. So if your car is damaged by a falling tree or destroyed by a flood or fire, you’ll have the financial protection you need to repair or replace your car and any belongings inside. Talk to a local independent insurance agent about comprehensive coverage and how it can help you pay to repair your car in a variety of unforeseen circumstances. 

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 or near Mount Juliet. 

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http://www.naic.org/prod_serv/AUT-PB-14.pdf
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