Car Insurance Quotes TN

Car Insurance Quotes TN

Car insurance is a must for Tennessee drivers, offering financial protection against accidents, theft, and other unexpected events. On average, a six-month auto insurance policy in Tennessee costs around $1,000—about 9% lower than the national average. While state law requires minimum liability coverage, many drivers opt for additional protection to avoid costly out-of-pocket expenses.

Finding the right car insurance policy goes beyond meeting legal requirements. It’s about securing peace of mind on the road. From basic liability to comprehensive and collision coverage, understanding your options can help you make the best choice for your needs. Comparing quotes from multiple providers ensures you get the best balance of affordability and coverage.

Tennessee drivers can also take advantage of discounts for safe driving, bundling policies, and installing safety features. Shopping around and customizing your policy can help you save money while ensuring you are covered in any situation. Don’t wait until an accident happens, explore your car insurance options today and get the right coverage at the right price.

What Car Insurance is Required in Tennessee?

In Tennessee, it is illegal to drive without insurance. Drivers are required to have car insurance that includes coverage for bodily injury to others and property damage liability. The minimum auto insurance limits required in the state are:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident
• Property Damage Liability: $25,000 per accident

READ: Car Insurance Quotes Full Coverage

What Is Considered “Full Coverage” Car Insurance in TN?

The term “full coverage” can vary from person to person. In Tennessee, the law only requires a minimum liability coverage of 25/50/25. However, when people refer to “full coverage,” they often mean the state-required minimums plus additional protection such as:

• Comprehensive Coverage: This helps pay for damages caused by events like hail, fire, or theft.
• Collision Coverage: This covers the cost of repairing your car after an accident with another vehicle.

If you Are leasing or financing your vehicle, most lenders will require you to have both Comprehensive and Collision Coverage.

What Liability Insurance is Required in Tennessee?

Tennessee law requires liability car insurance, which helps protect others if you cause bodily injury or property damage in an accident. However, this coverage does not protect you, your vehicle, or your belongings. The minimum liability insurance you need in Tennessee is:

• Bodily Injury Liability: $25,000 per person and $50,000 per accident
• Property Damage Liability: $25,000 per accident

This is often written as 25/50/25. While these are the state-required minimums, you may want to consider raising your limits to ensure you have better financial protection. Additionally, other coverage options can provide further protection, such as uninsured motorist coverage or personal injury protection (PIP).

Additional Car Insurance Coverage In TN

While Tennessee only requires drivers to carry minimum liability coverage, you can add extra protection to ensure you are fully covered. Below are some additional coverage options to consider:

• Collision Coverage: Helps pay for repairs to your vehicle after an accident, no matter who was at fault. This is especially useful if you drive a newer or high-value car.
• Comprehensive Coverage: This covers damage from non-accident events like theft, fire, or natural disasters.
• Uninsured/Underinsured Motorist Coverage: Protects you if you are hit by a driver who either has no insurance or does not have enough coverage to pay for your damages. This applies to both injuries and property damage.
• Medical Payments Coverage: Helps cover medical expenses for you and your passengers, no matter who was at fault in an accident.

What Is the Average Cost of Car Insurance in Tennessee?

The average cost of car insurance in Tennessee was around $2,000, according to research. This is about 9% lower than the national average. The average cost of a six-month liability-only policy in a low-cost state like Tennessee is $79.83 per month. However, your specific auto insurance premium will vary based on factors like your age, location, and driving history. While some drivers opt for the minimum coverage required by law, others choose more extensive protection to suit their needs.

How to Get Car Insurance Quotes in Tennessee

Getting a car insurance quote in Tennessee is easy:

• Gather Your Info: Provide your driver’s license, VIN, and driving history. Have your car’s make, model, and year ready.
• Choose Coverage: Tennessee requires liability insurance, but adding comprehensive or collision coverage may be wise for newer cars.
• Compare Quotes: Get quotes online, by phone, or in person. Compare costs and coverage.
• Ask About Discounts: Many insurers offer discounts for safe driving, bundling, or vehicle safety features.

READ: Car Insurance Quotes In Georgia

Factors Affecting Car Insurance Rates In TN| Car Insurance Quotes TN

Your insurance rate can vary based on the following factors:

• Driving Record: Accidents and violations increase costs.
• Vehicle Type: Luxury and sports cars cost more to insure.
• Age & Gender: Young male drivers often pay higher rates.
• Location: Urban areas tend to have higher premiums.
• Credit Score: A higher score may lower your rate.

Ways to Save on Car Insurance

• Maintain a Clean Record: Avoid tickets and accidents.
• Raise Your Deductible: Lowers your premium but increases out-of-pocket costs.
• Bundle Policies: Combine auto and home insurance for discounts.
• Try Usage-Based Insurance: If you drive less, you may save more.

Who Has The Cheapest Car Insurance In Tennessee?

Below are some of the cheapest car insurance options in Tennessee:

Erie Insurance:

• Full coverage: $1,379 annually ($115/month)
• Liability-only: $468 annually ($39/month)
• Competitive rates for full and liability coverage

State Farm:

• Full coverage: $1,512 annually ($126/month)
• Liability-only: $504 annually ($42/month)
• Affordable premiums and good customer service

Travelers:

• Full coverage: $622 for six months ($104/month)
• Competitive full coverage rates

Tennessee Farm Bureau:

• Liability-only: $29/month
• Available in select regions

Erie Insurance (for young drivers):

• Liability-only for an 18-year-old with a speeding ticket: $1,278 annually ($106.50/month)
• Affordable rates for young drivers.

Car insurance quotes in Tennessee are key to finding the best coverage at an affordable price. By collecting the required details, comparing quotes, and understanding the factors that impact your premium, you can make an informed choice. Visit the website for more information. I hope the provided information is helpful, share yopur thoughts below in the comment section.

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