What to Know about Car Insurance

in Tennessee

Facts about Car Insurance in Tennessee 

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.

More Tennessee car insurance facts

  • TN averages 190,636 vehicle accidents every year.
  • Of these, approximately 143,300 involve property damage, and 46,400 result in injuries.
  • The average cost of a collision in Tennessee is $13,561.
  • Tennessee drivers collect about $2.49 billion in insurance claims per year.

Average Cost of Car Insurance in Tennessee

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.

Average Cost of Car Insurance Per Year

cost of tennessee car insurance

Why Choose an Independent Agent?

  • Independent agents make it easy to compare rates and find the best price.
  • These agents live and work in your community.
  • Your agent can provide one-stop shopping for all of your insurance needs.

Find an independent agent in Tennessee

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.

five star review Michael of Clarksville, TN Consumer Affairs

What Does Your Car Insurance Policy Cover?

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:

  1. Liability coverage: Pays for third-party injuries and damage if you cause an accident. Your policy must include at least $25,000/person and $50,000/accident in bodily injury coverage, and at least $15,000 in property damage coverage. 
  2. Collision coverage: Pays to repair or replace your car if it is damaged in a collision with another vehicle or a stationary object, regardless of fault. It can also cover you if you overturn your vehicle while making a sharp turn. 
  3. Comprehensive coverage: Pays to repair or replace your vehicle if it is lost or damaged due to a non-collision event such as a falling object, flood, structure fire, hailstorm, or property crime including car theft. 
  4. Uninsured motorist coverage: Covers your property damage and medical treatment if you are injured in an accident caused by an uninsured, underinsured, or hit-and-run driver so that you do not need to sue for compensation.
  5. Medical payments coverage (optional): Sometimes called personal injury protection (PIP), this helps to cover the cost of medical treatment for you and your passengers if injured in a collision.

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. 

Top Insurance Companies That Support Independent Agents in Tennessee

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.

Why go Independent

Why Go Independent When Looking for Car Insurance?

  • One call, multiple quotes
  • Pay less for more coverage
  • Expertise in your community