Minimum liability coverage is the most affordable type of car insurance you can buy in the Voluntary State. It meets the minimum requirements established by Tennessee state law, but it doesn't protect your vehicle or deal with your injuries, only those of other drivers and their passengers. Full-coverage car insurance adds coverage for medical and vehicle bills. It costs more, but it could save you money in the event of an at-fault accident.
Tennessee drivers can find cheap car insurance with “no deposit” or “no down payment,” but what it really means is that you only have to pay the first month's premium to get coverage. State laws govern how much insurance coverage drivers must have, and no-fault laws affect insurers' risks. Car insurance rates largely depend on your individual driver profile, and what you pay for coverage will likely vary from the costs mentioned above. One of the best ways to find cheap rates is to compare car insurance quotes from several providers to find the best deal for your situation.
We identified the following rating categories based on consumer survey data and conducted extensive research to formulate rankings of the best auto insurance providers. Aside from that, the best way to reduce your car insurance costs is to compare the rates of at least three insurance companies. In Tennessee, auto insurance companies may consider factors such as employment, residence and marital status when setting premiums. If that happens, you may be able to apply for car insurance in your state, as many states offer programs to link high-risk drivers with partner insurers.
Tennessee drivers should expect to pay approximately that amount in advance each month to keep their auto insurance policy active. While a clean driving record generates some of the lowest car insurance rates, violations can cause coverage costs to increase significantly. The average cost of car insurance in Tennessee is 30% lower than the national average auto insurance premium. The cheapest car insurance companies in Tennessee are Auto-Owners, USAA and State Farm, and getting quotes from several companies can help you find the best deal.
Car insurance in Tennessee is expensive because of the high percentage of uninsured drivers: about 20% of drivers are uninsured in the state. There are several factors that affect how much you'll pay for car insurance in Tennessee, such as your driving history, age and location, the amount of coverage you buy, and the insurance company you buy it from. To learn more about how to get cheap car insurance while still having quality coverage, WalletHub posed the following questions to a panel of experts in Tennessee.