Cheapest Car Insurance in Tennessee for 2022
Westfield : $ 260 per year
Tennessee Farmers : $ 327 per year
Geico : $ 335 per year
car Owners : $ 341 per year
progressive : $ 342 per class
Although mature drivers pay less for car insurance than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car insurance rates can save older drivers hundreds of dollars a year.
Best Cities for Cheap Car Insurance in Tennessee
Factors That Affect Car Insurance Premiums in Tennessee
Although ripe drivers pay less for car policy than teens, older drivers start to see their rates go up as they enter their senior years. Comparing car indemnity rates can save older drivers hundreds of dollars a year.
Read more: The Best Car Insurance Companies for 2022
Read more: The Best Car Insurance Companies for 2022
Cheapest Car Insurance in Tennessee
6 Tips for How to Get Cheap Car Insurance in Tennessee
1. Compare quotes from both national and regional insurers
Don’t forget to include local insurance companies in your search for cheap car insurance. In Tennessee, regional insurers like Erie Insurance, Alfa Insurance, and Farm Bureau Insurance of Tennessee might have lower rates than national companies like State Farm, Geico, and Nationwide – in addition to comparable customer satisfaction ratings.
2. Know the factors affecting insurance in Tennessee
Everyone knows that your driving habits and
3. Maintain coverage
You’ll see higher rates if you let your insurance lapse, even
4. Choose the coverage that is right for you
5. Don’t move to more expensive zip codes
Car insurance prices can vary a lot based on zip code in Tennessee. On average, drivers in the
6. Search for discounts
Top car insurance companies in Tennessee have a variety of discounts, so almost anyone can find ways to save. You may be able to get a
In the table below, you can see all of the profile characteristics that were used in WalletHub’s analysis, in addition to the specific subset of characteristics that make up our Good Driver profile.
|Category||All Profile Characteristics||Good Driver Profile|
|Age||16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 35, 45, 55, 65||45|
|Marital Status||Single, Married||Single|
|Teenage Driver Included on Policy||No, Yes||No|
|Driving Record||Clean, One Speeding Ticket, One At-Fault Accident, One DUI, Suspended License, Open Container, Red Light Infraction, Reckless Driving, One Not At-Fault Accident||Clean|
|Miles Driven Per Year||7,500 Miles, 15,000 Miles, 20,000 Miles||15,000 Miles|
|Coverage Level||Minimum, Standard, Full||Minimum|
|Discounts||None, Multi-Policy, Homeowner, Student||None|
|Credit Level||Poor, Good||Good|
|Filings||None, SR22, FR44||None|
|Car||Sedan, Minivan, SUV, Coupe, Truck||Sedan|
Below are additional details regarding the terminology and specific characteristics of the variables in the above table:
- Minimum Coverage: Coverage requirements of $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability, as required by Tennessee’s minimum coverage requirements.
- Standard Coverage: Coverage levels of 50k/100k/25k of liability coverage and 50k/100k/25k of uninsured motorist coverage.
- Full Coverage: Coverage levels of 100k/300k/50k of liability coverage, 100k/300k/50k of uninsured motorist coverage, and collision and comprehensive coverage with a $500 deductible.
- Sedan: 2018 Toyota Camry.
- Minivan: 2018 Dodge Grand Caravan.
- SUV: 2018 Toyota RAV4.
- Coupe: 2018 Ford Mustang.
- Truck: 2018 Ford F-150.
Where driver profiles are not specified, WalletHub averaged Tennessee insurance quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is representative only. Individual rates will be different.
WalletHub ’ s analysis of cheap car insurance companies in Tennessee is based on data from the Tennessee DMV and Quadrant Information Services. together with that data, WalletHub used the characteristics listed below to create 40 different driver profiles designed to identify the cheapest car indemnity companies for Tennessee drivers in a collection of identify categories. For each visibility, WalletHub compared quotes among top Tennessee cable car policy companies by averaging premiums from 35 slide fastener codes that represent at least 20 % of Tennessee ‘s population. Military-specific companies like USAA were only considered for the military-specific category, due to their eligibility restrictions. In some cases, they may still be the best option overall for eligible drivers.In the postpone below, you can see all of the profile characteristics that were used in WalletHub ’ south analysis, in addition to the specific subset of characteristics that make up our full Driver profile.Below are extra details regarding the terminology and specific characteristics of the variables in the above table : Where driver profiles are not specified, WalletHub averaged Tennessee indemnity quotes across 40 different driver profiles, using the above variables. Quote information is from Quadrant Information Services and is congressman only. person rates will be different. Don ’ thyroxine forget to include local insurance companies in your search for brassy car policy. In Tennessee, regional insurers like Erie Insurance, Alfa Insurance, and Farm Bureau Insurance of Tennessee might have lower rates than national companies like State Farm, Geico, and Nationwide – in accession to comparable customer satisfaction ratings.Everyone knows that your driving habits and claims history affect how much you pay for car insurance. But in Tennessee, companies can besides consider your long time, sex, credit history, marital condition, and more when setting premiums. The car you drive, your annual mileage, and tied some factors beyond your control condition all impact the price of insurance.You ’ ll see higher rates if you let your indemnity lapse, flush if you don ’ thymine own a cable car. Tennessee drivers who don ’ deoxythymidine monophosphate maintain continuous coverage pay an average of 17 % more than those with five or more years of insurance history.You need liability indemnity to pay for the other driver ’ second damages if you ’ re at fault in an accident in Tennessee. Collision and comprehensive examination coverage, on the early hand, are optional and may be unnecessary if you own an older cable car. Usage-based insurance might be a better meet than a standard policy for low-mileage drivers, and going with a higher deductible or lower coverage limits costs less, besides. Don ’ thymine skimp on the coverage you need, but do make inform choices. That way, you won ’ t end up paying for more car indemnity than you need.Car policy prices can vary a lot based on nothing code in Tennessee. On average, drivers in the most expensive parts of Tennessee spend about $ 900 more per class on full coverage car policy than those living in the least expensive areas.Top car indemnity companies in Tennessee have a kind of discounts, so about anyone can find ways to save. You may be able to get a deduction if you ’ re a scholar, veteran, dependable driver, homeowner, willing to go paperless, and more .
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