Cheapest Car Insurance in Tennessee – Comparison and Coverage Guide

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Are you in search of the cheapest car insurance in Tennessee? Finding the right car insurance in Tennessee can be time-consuming and expensive, but it is a necessary requirement for any driver. With a little research, finding the right car insurance policy can provide you with the peace of mind and financial protection you need while driving on the roads of Tennessee.

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Overview of Car Insurance in Tennessee

Before we dive into the cheapest car insurance options in Tennessee, let’s first understand the basics of car insurance in the state. To legally drive in Tennessee, every driver must have a minimum level of car insurance coverage. The minimum liability coverage requirements in Tennessee are:

Type of Coverage
Minimum Requirements
Bodily Injury Liability
$25,000 per person / $50,000 per accident
Property Damage Liability
$15,000 per accident
Uninsured Motorist Bodily Injury
$25,000 per person / $50,000 per accident
Underinsured Motorist Bodily Injury
$25,000 per person / $50,000 per accident

It is important to note that these are just the minimum requirements and drivers may choose to purchase additional coverage for added protection. Also, keep in mind that driving without insurance can result in fines, license suspension, and even jail time in Tennessee.

Factors Affecting Car Insurance Rates in Tennessee

Car insurance rates in Tennessee can vary based on several factors, including:

  • Driving record
  • Age and gender
  • Type of vehicle
  • Location
  • Credit score
  • Mileage
  • Deductible amount
  • Marital status

It is important to consider these factors when shopping for car insurance to ensure that you get the cheapest rates available for your specific situation.

Cheapest Car Insurance Companies in Tennessee

Now that we have a clear understanding of the minimum car insurance requirements and factors affecting car insurance rates in Tennessee, let’s take a look at some of the cheapest car insurance companies in the state.

State Farm

State Farm is one of the most popular car insurance companies in Tennessee, offering affordable rates for drivers of all ages and driving records. State Farm also offers discounts for good driving habits, safety features on your vehicle, and bundling multiple policies. The average annual premium for State Farm in Tennessee is $597 for minimum coverage and $1,925 for full coverage.

GEICO

GEICO is another popular car insurance company in Tennessee, known for its competitive rates and excellent customer service. GEICO also offers additional discounts for military members, federal employees, and good driving habits. The average annual premium for GEICO in Tennessee is $556 for minimum coverage and $1,743 for full coverage.

Progressive

Progressive is a well-known car insurance company that offers some of the lowest rates in Tennessee for drivers with clean records. Progressive also offers several discounts for safe driving and bundling multiple policies. The average annual premium for Progressive in Tennessee is $411 for minimum coverage and $1,459 for full coverage.

FAQ

What is the minimum car insurance requirement in Tennessee?

The minimum car insurance requirement in Tennessee includes bodily injury liability coverage of $25,000 per person and $50,000 per accident, property damage liability coverage of $15,000 per accident, uninsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident, and underinsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident.

What factors affect car insurance rates in Tennessee?

Car insurance rates in Tennessee can vary based on several factors, including driving record, age and gender, type of vehicle, location, credit score, mileage, deductible amount, and marital status.

What are some of the cheapest car insurance companies in Tennessee?

Some of the cheapest car insurance companies in Tennessee include State Farm, GEICO, and Progressive.

How do I find the cheapest car insurance in Tennessee?

To find the cheapest car insurance in Tennessee, research and compare quotes from multiple car insurance companies, consider your coverage needs, and take advantage of discounts or bundling policies.

What are some additional car insurance coverage options I can consider in Tennessee?

Additional car insurance coverage options in Tennessee include collision coverage, comprehensive coverage, rental car coverage, roadside assistance, and gap insurance.

Conclusion

Shopping for car insurance in Tennessee can be overwhelming, but finding the right policy is essential for financial protection while on the road. To ensure that you get the cheapest car insurance rates possible, make sure to research and compare quotes from multiple car insurance companies and take advantage of any discounts or bundling options available. Remember, the cheapest option may not always be the best option, so consider your coverage needs and always choose a reputable and reliable car insurance company.

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