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Cheapest Car Insurance Rates In Tennessee (2018)

You’ve probably seen more than a few promos from companies advertising cheap auto insurance in Tennessee. But noodling out the most affordable policy for your needs can be a daunting task due to the sheer number of insurance carriers.

To simplify the process and help you save time, our Geeks compared insurance quotes from nine leading providers to find the best rates for the following driver categories:

No Recent AccidentsTeen Drivers
Drivers With A DUISenior Drivers

Best Rates For Drivers With No Recent Accidents

$99/month estimate

$142/month estimate

It goes without saying that drivers who haven’t caused any collisions are less of a liability to car insurance companies than their accident-prone counterparts. So if you belong in this group, you should be able to find very affordable rates from most providers, but it still pays to shop around and compare quotes.

Our data indicates that State Farm has the most affordable rates in Tennessee for accident-free drivers. Allstate also has very competitive premiums at an estimated $142 per month. The test motorist we used was 29 years old with a clean crash record from the previous five years.

Best Rates For Teen Drivers

$205/month estimate

$228/month estimate

The driver in our study was an 18 year old who hadn’t been found at fault for any collisions or been ticketed for any major traffic offenses. The estimates above are based on the minimum required insurance in Tennessee since teens typically do not need add-on coverage.

Best SR22 Insurance Rates For Drivers With A DUI

$108/month estimate

$198/month estimate

Do you have a recent conviction for DUI? If so, you’ve probably noticed a significant spike in your insurance premiums. Fortunately, some carriers are more forgiving than others. You may be able to find cheap SR22 car insurance quotes by switching from your current insurance company to State Farm or Allstate.

Best Rates For Senior Drivers

$72/month estimate

$127/month estimate

Senior drivers have two qualities that car insurance companies love—they’re experienced behind the wheel and they tend to drive fewer miles per year than young adults. The senior driver in our study commuted 4,000 miles per year, which is one-third the annual mileage of the default driver we used in other segments of our analysis. Our senior driver was 65 years old and hadn’t caused any recent accidents.

STUDY METHODOLOGY

The driver in most parts of our study was a 29 year old with a Toyota Corolla model year 2014. The default mileage used in our analysis was 12,000 per year. To estimate the cheapest car insurance rates, we averaged the premiums for males and females in five zip codes in Tennessee. Besides the “teenage driver” category, all drivers in our study were buying 50/100/25 in liability coverage and uninsured motorist coverage.

What Are The Minimum Auto Insurance Requirements In Tennessee?

Tennessee law mandates that all drivers carry auto insurance liability coverage with the following minimum limits:

  • $25,000 In Coverage For Injuries To One Individual
  • $50,000 In Coverage For Total Injuries Per Accident
  • $15,000 In Coverage For Property Damage

Can My Tennessee Car Insurance Company Increase My Premiums After A Crash That Another Driver Caused?

Yes. In most states, car insurance companies can increase their policyholders’ rates after a crash even if it was caused by another driver. The reason is that fault is often not entirely clear in accidents despite what the drivers involved or police report say. Your insurance carrier will also incur expenses while processing your claim no matter who was liable.

When Might My Car Insurance Provider Increase My Rates?

There are several situations when your car insurance company might increase your monthly rates. Ultimately, your premiums are based on the likelihood that you will file a claim. As such, your rates are likely to increase if one of the following is true:

  • You caused a recent accident;
  • You were found guilty of DUI;
  • You were ticketed for a traffic infraction;
  • You bought a car with higher horsepower or a higher claim rate;
  • You moved to a new location; or
  • You added another driver to your policy.

What Is The Most Important Step To Take After A Car Accident?

The most important step to take after an accident is to seek medical attention. If you are physically able, you should document the scene, exchange insurance information with other drivers, and record the contact details of eyewitnesses. But your top priority should be getting medical attention for you and anyone else who was injured in the collision.

 

cheapest car insurance in tennessee

Browse the PennyGeeks blog to read answers to car insurance FAQs.

 

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