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Tennessee Car Insurance

Finding the best Tennessee car insurance policy doesn’t have to be tricky. See where you can get the low cost coverage you are looking for in just minutes by using our free online Tennessee auto insurance quote comparisons. The best way to find the most affordable TN car insurance policy is by shopping around, so get started now!

Here is some important information regarding car insurance in Tennessee that can help you choose the best policy for you.

Tennessee Car Insurance Requirements

Each state has different minimum car insurance requirements that drivers and owners of registered vehicles must have. The minimum car insurance requirements in TN are as follows:

  • Bodily injury liability per person - $25,000
  • Bodily injury liability per accident - $50,000
  • Property damage liability - $15,000

The bodily injury liability coverage will pay for the medical expenses of the other driver and his/her passengers in an accident where you are found to be at fault. Property damage liability coverage will cover damages to the other driver’s vehicle or someone else’s property in an accident where you are at fault.

Keep in mind that this is just the minimum auto insurance required by state law, and it may not be sufficient coverage to protect you financially. Consider adding additional amounts and types of coverage to your TN auto insurance policy such as:

  • Uninsured/Underinsured Motorists Coverage to cover you if you are in an accident with someone who does not have the required insurance or an adequate amount of insurance.
  • Personal Injury Protection or PIP which will cover your medical expenses and those of your passengers resulting from an accident.
  • Comprehensive coverage will cover damages to your vehicle that are not related to an accident such as fire or theft.
  • Collision coverage will cover damages to your car that have resulted from an accident.

You can quickly and easily compare your coverage options now with our free TN car insurance quote comparison tool. Make sure your policy meets Tennessee’s car insurance minimum requirements!

Tennessee Auto Insurance Companies

Choosing the right TN auto insurance company can be a big decision because there are many factors that you will want to consider and factor into your choice. Make sure to compare multiple quotes from top TN car insurance providers before making a final decision. Our free TN car insurance quote comparison tool makes this convenient and quick for you.

Some things you will want to keep in mind when comparing Tennessee car insurance companies include:

  • Experience
  • Financial Stability
  • Customer Service
  • Claims Service
  • Coverage Options
  • Discounts Offered
  • Rates

Here is a list of five of the top car insurance companies in Tennessee along with their financial ratings from an independent financial rating company.

  • Progressive – AA+
  • State Farm – AA
  • Allstate – AA-
  • Nationwide – A+

You can compare policies from these top TN car insurers and other great companies by using our free Tennessee auto insurance comparisons.

Tennessee Car Insurance Costs

Cost is most likely a huge factor in your TN car insurance decisions, from how much coverage you will buy to who you will choose to purchase your policy from. In 2009, the average cost for auto insurance in TN was a little over $1500. The national average at this time was around $1800. Whether you paid more or less than your state’s average cost, saving money on car insurance is never a bad thing.

Many car insurance companies in TN offer discounts to their customers which can be a big help in reducing the cost of your policy. Some common Tennessee car insurance discounts include:

  • Good Student: Having good grades can save you money on your auto insurance policy. Different companies have different requirements for this discount so check around to see what GPA you need, if you must be a full time student, etc.
  • Safe Driver: Completing an approved drivers safety course or defensive driving course may earn you a discount.
  • Military: Some companies offer military personnel, past or present, discounts on their auto insurance policy.
  • Senior: Some auto insurance providers in TN offer senior citizens, usually over the age of 65, a discount.
  • Multiple Vehicle: If you have more than one vehicle added to your policy you may be eligible for a discount.
  • Multiple Policy: Purchasing a home insurance policy and a car insurance policy from the same company may earn you a discount.
  • Safe Car: Having certain safety features installed on your car such as anti lock brakes and passenger side airbags may mean more savings for you.
  • Economy Car: Having an economy car or fuel efficient vehicle may also earn you a discount on your policy.
  • Low Mileage: Some companies offer a discount for meeting monthly or yearly low mileage requirements.

If you think you could be eligible for one or more of these discounts then look for a Tennessee car insurance provider in your area that can offer that to you. Compare discounts and policies now by using our free online TN car insurance quote comparisons.

Compare TN Car Insurance Quotes Now!

Start finding the best auto insurance in TN available to you now by using our free Tennessee car insurance rate comparisons.

You can quickly and easily compare policies from top TN auto insurance providers side by side to make sure you are getting the lowest rates possible for the coverage you need.

Get started finding the best Tennessee car insurance quotes now!

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