Car Insurance Quotes Tennessee

Car Insurance Quotes Tennessee

In Tennessee, the average cost of liability insurance coverage is approximately $300 for a six-month policy. This figure indicates that nearly 46% of drivers in the state carry only liability insurance, suggesting that many drivers may be minimizing their financial commitment at the expense of comprehensive coverage. The average annual premium for full car insurance coverage in Tennessee hovers around $1,357, demonstrating the financial implications of maintaining adequate coverage. Therefore, while it may be tempting to choose minimal coverage, drivers should weigh the potential additional costs of inadequate protection in the event of an accident.

Tennessee requires all drivers to have minimum liability coverage, which serves to protect the driver at fault in an accident by covering damages to other parties. The specific requirements include bodily injury liability coverage of $25,000 per person and $50,000 per accident. drivers must maintain property damage liability coverage of $25,000 per accident to cover damages to other people’s property resulting from an accident one may cause. the state mandates uninsured motorist coverage, which provides a safeguard against accidents involving uninsured drivers. For uninsured car bodily injury, the required coverage is again $25,000 per person and $50,000 per accident, while the related property damage coverage stands at $25,000 per accident.

Despite these mandates, car insurance costs can be a financial burden for many drivers in Tennessee. However, understanding available discounts can lead to substantial savings. Various discounts are typically offered to eligible drivers, including multi-policy, five-year accident-free, continuous insurance, paperless billing, multiple cars, and online quote preferences. According to a study, drivers maintaining a clean driving record for three years or more may also qualify for significant discounts. By taking advantage of these discounts, drivers can lower their insurance premiums while still meeting state requirements.

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Minimum Coverage Needed for Tennessee Car Insurance

Drivers in Tennessee are required to maintain the following minimum coverages and levels on their car insurance: Although Tennessee requires these minimal coverages, each person’s insurance needs are different.

• Bodily injury liability: $25,000 per person and $50,000 per accident
• Property damage liability: $25,000 per accident
• Uninsured motorist bodily injury: $25,000 per person and $50,000 per accident
• Uninsured motorist property damage: $25,000 per accident

How Can I Reduce  Tennessee Car Insurance Costs?

You might be eligible for the following discounts to reduce the cost of your car insurance in Tennessee:

• Multi-policy
• Five-year accident-free
• Continuous insurance
• Paperless
• Multi-car
• Online quote
• Three-year safe driving
• Electronic Funds Transfer (EFT)

Tennessee’s Cheap Liability Insurance

In Tennessee, the typical 6-month liability insurance rate is $300. Liability-only insurance is carried by 46% of drivers in Tennessee. Liability insurance quotes for cars in Tennessee are shown in the following table.

Company                        Avg. 6 Mo. Premium        Avg. Monthly Premium
Tennessee Farmers……….$177…………………………………$29
USAA…………………………..$211…………………………………$35
Travelers……………………..$212…………………………………$35
GEICO…………………………$247………………………………..$41
Progressive…………………..$325………………………………..$54
State Farm…………………..$329………………………………..$55
Allstate………………………..$408……………………………….$68

Additional Coverages for Car Insurance in Tennessee

You can buy extra coverages to make sure you’re completely insured even though Tennessee law mandates that drivers carry basic coverages, such as:

• Collision Coverage: coverage that covers your car’s damage in an accident, no matter who is at fault. If your car is more expensive or newer, this coverage is especially beneficial.
• Comprehensive Coverage:  coverage that covers harm to your car brought on by non-collision incidents like fire, theft, or natural disasters.
• Uninsured and Underinsured Motorist Coverage: coverage that safeguards you if you are in an accident with a driver who is uninsured or whose insurance limits are insufficient to pay for your losses. There is coverage for both physical harm and
• Medical Payments: coverage that covers your passengers and your medical costs, regardless of who is at fault in an accident.

How much does Tennessee vehicle insurance generally cost?

The average annual premium for car coverage in Tennessee is $1,357; however, many people spend significantly more. Prices for good drivers are frequently raised by bad drivers. Because Root doesn’t insure high-risk drivers, its clients can save up to $900 annually while still getting affordable, straightforward auto insurance in Tennessee. For additional information, visit here

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