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.
READ ALSO: Car Insurance Quotes Missouri
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.
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:
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:
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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