Cheap Car Insurance Rates in Tennessee (2023)

Compare Auto Insurance Rates in Tennessee

Published: Feb 22, 2019 | Updated: Jan 26, 2023

Tennessee Auto Insurance

There are important auto insurance requirements and rates in Tennessee, and anyone who plans to live there and drive a car will want to make sure they understand them. That way you can look for good quality but still cheap auto insurance in Tennessee. If you really want to be informed about the Tennessee driving laws, here are the kinds of things you need to know.

Car Insurance Requirements in Tennessee

Tennessee minimum auto insurance requirements are only for liability coverage. The liability limits are:

$25,000 worth of bodily injury or death coverage per person
$50,000 worth of bodily injury or death coverage per accident
$15,000 worth of property damage coverage

The Tennessee car insurance laws don't require drivers to have any other types of insurance, but a lot of people choose more coverage anyway. They do that because they want to protect themselves financially if they are in a traffic accident. Uninsured and underinsured motorists' coverage is commonly purchased, as is comprehensive and collision coverage.

Is Tennessee a No-Fault State?

Tennessee is a fault state for its car insurance. This is common, and most states operate that way. Being a fault state means the driver who caused the accident must compensate the other people who were injured as a result of that accident.

<zipcode>Find The Cheapest Auto Insurance In Tennessee:</zipcode>

Car Insurance Prices in Tennessee

The car insurance prices in Tennessee are generally between $847 and $2,075. The higher amount is for full coverage insurance, with the lower amount being for state minimum liability coverage only. Drivers in Tennessee typically pay an average of $1,461 every year for their auto insurance. Teen drivers are going to pay more than middle-age drivers, and senior drivers will also have higher rates. People between 35 and 75 are the ones who usually see the best rates.

<qa>1;Car Insurance for Young Drivers, New Drivers and Teen Drivers;Car insurance for 16 - 18 year olds in Tennessee is affordable for those who shop around. Some insurance companies offer discounts, and that can help families afford their teens' car insurance. Otherwise, they could pay more than $3,000 per year.</qa>

<qa>2;Car Insurance for Students (18 - 24 year olds) in Tennessee;College can mean better insurance rates, but not right away. An 18-year-old freshman may see the same rates as other teen drivers. A college graduate who is 22 will see rates that are a lot closer to what a typical adult will pay for car insurance. That can mean rates below $2,00 annually, and these rates will continue to fall over time.</qa>

<qa>3;Car Insurance for 24+ Year Olds in Tennessee;At 24, a driver is going to see another drop in rates. This is when they are generally considered an adult for purchases of their car insurance. Their rates will be leveling out then, and will be a lot lower than they would be for a teen driver.</qa>

<qa>4;Car Insurance for 55 (and Over) in Tennessee;At 55 years of age, most people see car insurance premiums that are as low as they are going to get. After the age of 55, these insurance rates will start rising again and will continues to slowly rise into the driver's senior years.</qa>

<qa>5;Car Insurance for Veterans in Tennessee;In Tennessee, veterans may be able to get discounts on their car insurance. They should check with their current carrier and other insurance companies in order to find the best deal and rates.</qa>

Age	Most Popular Vehicle	Gender	Most Common City
18 - 24	Ford	Male - 52% \| Female - 48%	Memphis
25 - 54	Chevrolet	Male - 42% \| Female - 58%	Memphis
55 - 64	Chevrolet	Male - 38% \| Female - 62%	Memphis
65 +	Ford	Male - 41% \| Female - 59%	Memphis

* This information is based on Pretected.com users.

Auto Insurance for Good Drivers

Good drivers pay less for insurance, because their driving records show that they are responsible behind the wheel. Insurance companies reward that with lower rates. These drivers generally don't get tickets, and they are rarely in any kind of an accident.

Auto Insurance for Bad Drivers

Being a bad driver doesn't make someone a bad person, but it does mean they'll be asked to pay more for their car insurance. A bad driving record can include tickets and accidents, and may even include a DUI. Shopping around means that people with less-than-perfect driving records can find lower insurance rates, and that can help them pay less as they work to improve their driving record.

Traffic Violations and Fines in Tennessee

Speeding Ticket Cost in Tennessee

Speeding ticket costs are based on what counties charge for these tickets. That means the cost will vary across the state, but anyone who receives a ticket can expect to pay several hundred dollars in fines. They may also see points on their driver's license, and will be almost assured of that if they are convicted of reckless driving in Tennessee.

Driving While High Laws in Tennessee

DUI laws in Tennessee are not just about alcohol. They are also about driving under the influence of marijuana and other drugs. Even for drivers who have a particular drug legally, it's still not legal to drive while high.

Driving Without Car Insurance in Tennessee

Drivers have to have car insurance, according to Tennessee state law. Without it they could face fines and the suspension of their license. They may even face jail time and having their car impounded. Following car insurance laws is vital to keeping a good driving record in Tennessee.

Texting and Driving in Tennessee

Distracted driving is not just texting. Other cell phone use while driving, eating while driving, and getting distracted by things in the car and outside of the car can all be problematic. Not everything on that list is illegal, but any kind of distraction can be dangerous.

<twitter>You can totally stop and pick up that roadkill as you're driving by. It's legal to have it for dinner too.<twitter>

Tennessee Car Accidents

In 2016 there are 37,264 injuries in car accidents in Tennessee, and just over 1,000 people died. According to car accident statistics, though, Tennessee did see a reduction in the number of people who were killed in accidents involving alcohol.

Reasons for Car Accidents in Tennessee

The main reasons for car accidents in Tennessee were alcohol, distracted driving, and speed. Those are the same reasons that are seen in most states, as there seem to be the most common behaviors behind the wheel.

Car Accident Statistics by Vehicle Type in Tennessee

The majority of car accidents in the state occurred between two or more passenger cars. Trucks, SUVS, and motorcycles also caused accidents, but in smaller numbers than typical passenger cars. The risk of fatality rose in accidents where a motorcycle was involved.

Car Accidents in Tennessee - More Facts

Drivers under 18 and over 65 were significantly more likely to cause a traffic crash than drivers between those ages. Weather was also a factor in a large number of accidents, as the volatility of summer storms and winter weather can leave drivers unprepared.

Bonus: Most Weird, Funny and Ridiculous Traffic Laws in Tennessee

In Memphis, women can't drive cars if they're alone in them.
Make sure you don't drive while sleeping. It's totally illegal in Tennessee.

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