Tennessee Auto Insurance

Posted by Harry Wagner

Do you need to find cheap car insurance in Tennessee? We’ve made the job easy for you. Just by entering your Zip Code at the top of this page, you’ll get Tennessee auto insurance quotes that show the very best deals.

Tennessee has over 4 million registered drivers. Of that number, at least 20 percent drive without insurance on their vehicles. Like all states, Tennessee has hundreds of miles of rural and Interstate highways. Due to its geographic location, the state has more than its share of out-of-state drivers passing through at high speeds. Over 1,284 fatalities occurred on Tennessee roads in 2006.

Like most states, minimum insurance requirements are specified for all drivers in Tennessee. The state does not have a no-fault system; it is referred to as a tort state. This means that blame is determined in each accident. Under such an insurance system, you are liable for damages if you are determined to be at fault. The state does not require coverage against that 20 percent of uninsured/underinsured drivers. That makes it important to carry enough insurance to cover the financial burdens of an accident. Tennessee car insurance minimums specified are:

  • $25,000/$50,000 bodily injury per person per accident/for all persons per accident
  • $15,000 property damage liability

Remember these amounts are only minimums. The whole purpose of insurance is to protect you financially when you are involved in an accident. Most drivers carry insurance coverage well above the minimums. The average driver in Tennessee also carries coverage to protect against the uninsured and underinsured drivers.

It is required that proof of at least the minimum coverage be carried in your vehicle at all times. If you are stopped and don’t have this proof available, a ticket will be issued, with a fine of not less than $100. If you don’t provide proof of insurance before your court date and are convicted of the offense, you face a suspended license. You will be required to obtain an SR-22 before you are allowed to drive again.

Cheap car insurance in TN is available, based on a number of items that affect the rates quoted. Auto insurance providers are interested in determining their risk in providing you coverage. Things that minimize that risk, like being a safe driver without an accident on your record, lower the rates you pay.

Other factors that affect your auto insurance in TN include whether or not you live in a large city and how many miles a month you drive. Large cities usually have the highest insurance rates quoted because of the added risks of accidents and auto thefts. Most insurance providers also offer various discounts. For example, if you are a high school graduate, that fact lowers your insurance rate.

It is easy to find cheap car insurance in TN by using an Internet comparison website. Just by entering your ZIP Code above, you will find the best Tennessee auto insurance quotes. We’ve done the work to help you start saving today.