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For Best Rated Auto Insurance Company data in each U.S. state, hit the link shown below.
This page provides fast facts, statistics, laws, rates, and comparisons pertaining to Tennessee car insurance.
Here's how Tennessee car owners can cut costs on car insurance by choosing the right premium package.
Average Auto Insurance Premiums
The Average Yearly Auto Insurance Premium for passenger vehicles in the state of Tennessee was $1,145 last year, while the overall national average was around $1,347.
Tennessee's slightly lower than average annual premiums may result from a strong economy, a low cost of living, a mild climate, and a low average mileage per vehicle, among other factors.
Penalties for Driving Uninsured
Tennessee has a relatively high rate of uninsured drivers, compared to other states. Nearly 25 percent of vehicles driven on Tennessee roads are uninsured.
The penalty for driving an uninsured vehicle in Tennessee is a fine of as much as one hundred dollars, a pittance compared to the fines imposed by other U.S. state laws. This may be why Tennessee has so many uninsured drivers.
Minimum Liability Coverage
Tennessee car owners must, by law, purchase a minimum liability insurance coverage of 20/50/15.
That means $20,000 to cover injuries to the driver, $50,000 to cover injuries to others, and $15,000 in coverage against property damage.
In most U.S. states, minimum liability coverage on car insurance is not necessarily enough to cover the cost of an accident. Insurance experts recommend 100/300 liability coverage for each vehicle owned in America.
Lowering the Cost of Car Insurance
Here are some ways in which Tennessee car owners can minimize their car insurance premiums.
1. Buy only the minimum coverage.
2. Pay your annual premium in one lump sum each year.
3. Increase your deductible.
4. Drive certain types of vehicles.
5. Install vehicle safety features.
6. Apply for discounts.
Discounts offered by car insurance carriers may include Good Driver discounts, Good Student discounts, Accident Free discounts, Defensive Driving Course discounts, and Vehicle Safety discounts, to name just a few.
Based on recent customer satisfaction ratings and consumer reports, the major auto insurance carriers favored among Tennessee drivers are Pride National Insurance, American Security, Encompass, Great American and Phoenix.
Also popular are smaller carriers like Direct General, Farm Bureau and Erie.
Grab a few free quotes online. Then call a few agents and ask about those discounts. Then simply compare rates and choose the cheapest policy.
This will save hundreds of dollars a year in car insurance.
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