Tennessee Car Insurance - Auto Insurance Quote in TN
CarInsurance.com can meet all your auto insurance needs in Tennessee, a state admired the world over for its music traditions. Memphis is widely considered the birthplace of the blues, and Nashville (the home of country music) alone has more than 100 recording studios.
| Current average car insurance premium in Tennessee | $1,372.25 |
| Current average car insurance premium U.S. | $1,602.16 |
| Memphis | $1,560.20 |
| Nashville | $1,181.51 |
| Check out our car insurance rates in more Tennessee cities | |
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As a Tennessean, you’re probably paying well below the national average for car insurance. Take a look at CCarInsurance.com's Average Premium Trend Tool to see how insurance rates in Tennessee are changing on a monthly basis.
The residents of Memphis (the largest city in Tennessee) usually pay quite a bit more, though. 2008 figures indicate there were 108 car-related deaths in Memphis in 2008. Almost 80 percent of the accidents were caused by men and the average speed was 40 mph, according to traffic records.
Let the many top insurance companies we partner with help you find the best coverage in Tennessee. First, let's see what the state requires residents to have if they drive Tennessee's highways and roads:
Tennessee state law requires minimum Bodily Injury Liability limits of $25,000 per injured person up to a total of $50,000 per accident, and Property Damage Liability coverage with a minimum limit of $15,000. This basic coverage is often referred to as 25/50/15 coverage.
Minimum Required Insurance Coverage in Tennessee
Bodily Injury Liability: $25,000/$50,000 Limit
Property Damage Liability: $15,000 Limit
The state of Tennessee follows a Tort system, meaning someone must be found to be at fault for causing the accident, and that person and their insurance company is responsible for all the damages. You should be aware that the details of a tort system vary from state to state.
You can get Uninsured/Underinsured Motorist Bodily Injury coverage to cover bodily injury caused by an uninsured and/or underinsured driver (depending on the state). Tennessee does not require drivers to purchase this coverage, but you should consider purchasing this valuable coverage.
Whatever your decisions on coverage, we'll make it easy at CarInsurance.com. We'll start on our coverage page by detailing the Minimum State Required package to guarantee you're driving legally in the state. Of course, you can also opt for more far-reaching coverage.
Your personal situation means a lot when determining what's appropriate for you. Do you want a higher liability to further protect yourself and your assets? Prefer a lower deductible? Tennessee residents can get just what they want - and need - at CarInsurance.com.
Below is a list of the most-stolen vehicles in Tennessee. If your car is on the list, expect to pay higher car insurance rates.
