Car insurance rates in Tennessee can differ widely, making it essential to obtain multiple quotes and compare them. ValChoice ranks over 30 of the largest insurers by consumer reviews and key metrics to help you locate an affordable rate. You can enter your personal details into our car insurance calculator for an estimated estimate on what it could cost; additionally it’s helpful to understand which factors determine auto insurance premiums in Tennessee so that you’re receiving a fair quote.
Tennessee law mandates drivers purchase at least minimal liability coverage to cover injuries to others and property damage should you cause an accident, but experts advise going above the minimum limits to provide enough protection in case of an unforeseen event or severe accident. You can add collision and comprehensive coverage onto your liability policy for what’s known as full-coverage auto insurance plans.
Finding affordable car insurance policies with bad credit in Tennessee can be challenging. Insurance companies use your credit score to predict whether or not you will file a claim, and typically charge drivers with poor scores higher premiums due to their greater statistical risk. However, some top car insurers offer competitive rates for drivers with poor scores such as Geico and Farm Bureau.
An additional factor that may influence your rate is the type of vehicle you drive, with sports cars typically commanding higher rates than family sedans and safety ratings often having an effect. To get an accurate estimate of Tennessee car insurance costs, the best way is to use our calculator! Simply input all the relevant details about your car and driving history into it and let it do its magic!
For an estimate, you’ll need to provide information such as age, address, driver’s license number and other personal details such as vehicle make/model/year, driving record and any other relevant factors to generate an estimate. Also include information like vehicle make and model as well as any relevant details like driving records etc that might influence rates in any way.
As is true in most states, Tennessee law makes driving without auto insurance illegal. If stopped by police and unable to show proof, fines of up to $300 and having your registration suspended could ensue – an unnecessary and avoidable fate which you can easily avoid by purchasing the minimum coverage required by state law.
Though well-known car insurers such as GEICO, Progressive, and State Farm typically offer lower average car insurance rates, you might find more competitive pricing at other firms such as USAA, Erie or Nationwide. These smaller firms specialize in offering cost-effective coverage to high-risk drivers; their policies typically come equipped with an SR-22 certificate to demonstrate they possess coverage after an at-fault accident or other violations occur.