If you are caught driving without insurance in Tennessee, you will be charged with a Class C misdemeanor, which can result in fines or a suspended driver's license. Your car insurance policy must include liability insurance to cover injuries and property damage if you are responsible for an accident. All other car insurance coverages are optional.
Vehicle owners in Tennessee pay an average of $1,186 per year for their auto insurance coverage. This is lower than the national average of $1,311. Your actual quoted price for coverage will be calculated based on factors such as the make, model, trim, and year of your car, and even personal details like your driving history, age, occupation, and credit score. Comparing quotes from a variety of insurers lets you be sure that you are getting the coverage you want at a competitive price. Independent insurance agents make comparison shopping easy.
I am very picky about what policies go into my car insurance, so while researching online I found TrustedChoice.com. I called the same day and they found an agent who was able to give me everything I needed. The process was easy, and I am satisfied.Michael of Clarksville, TN Consumer Affairs
In Tennessee, all car insurance policies are required by law to include liability insurance. Other coverage options, such as collision and comprehensive coverage, are not required by the state, but are typically required by lenders until your car is paid off and by dealerships if you are leasing your vehicle. You can expect your insurance company to offer the following:
If you currently owe more for your vehicle than it is worth, be sure to talk to your insurance agent about gap insurance. This coverage can provide an added layer of protection in the event that your vehicle is totaled.
There are currently 366 independent insurance agencies in Tennessee ready to help you find the right car insurance policy. Independent agents are free to work with several different insurance providers, so they can acquire a variety of customized auto insurance quotes that you can review and compare together. Let a local independent agent help you find the most competitively priced policy to meet all your vehicle coverage needs.