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Memphis Car Insurance


Memphis car insurance rates

Memphis car insuranceNo wonder they sing the blues: Memphis has it bad when it comes to car insurance. Not only does it have Tennessee's highest rates, simply crossing the river to Arkansas or the state line to Mississippi could save you hundreds of dollars a year. (The map below shows how ZIP codes in Memphis and its surroundings compare.)

Among the 50 largest cities in the U.S., Memphis ranks No. 42 in walkability, according to Walk Score.

The locals say that everyone in Memphis can give you directions to their house, their job and their church -- but can't point you to Beale Street.

There's good reason for the confusion. Surface streets change names frequently, and for no obvious reason. At one time, the “suicide lanes” of Union Avenue would reverse direction midday. And any road that crosses Sumner Avenue will be on the city's list of most dangerous intersections.

Tennessee as a whole has a very high number of uninsured drivers, about 24 percent according to the Insurance Research Council. Some personal injury attorneys estimate that in sections of Memphis, that rate could approach 50 percent.

You'll find more resources and information about Tennessee car insurance on our state profile page.

Why Memphis driving doesn't always make sense

Two bridges cross the mighty Mississippi River in Memphis. But if you referred to one as, say, the “Interstate 40 bridge” and the other as the “Interstate 55 bridge,” you would be met with a blank stare. You would further confuse a Memphian by calling them their proper names, the “Hernando De Soto Bridge” and the “Memphis-Arkansas Bridge.”

They are the “New Bridge” and the “Old Bridge,” respectively.

Memphis Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

Invalid ZIP code or data not available
  • 38132- MEMPHIS: $1,668
  • 38109- MEMPHIS: $1,645
  • 38126- MEMPHIS: $1,645
  • 38116- MEMPHIS: $1,630
  • 37692- UNICOI: $1,019
  • 37680- LAUREL BLOOMERY: $1,027
  • 37688- SHADY VALLEY: $1,028
  • 37650- BANNER HILL: $1,038

Memphis car insurance requirements

Tennessee state law requires the following minimum car insurance coverage:
Minimum bodily injury liability $25,000/$50,000
Minimum property damage liability $15,000