At HomeInsurance.com, our customers know that we are not just home insurance. We offer some of the most competitive auto insurance rates and home and auto insurance discounts available. Finally, finding competitive, low cost car insurance quotes in Tennessee does not have to be a chore. Fill out one form and our licensed agents will match you with the Tennessee auto insurance provider that offers the best rate for your vehicle and your drivers.
Did you know? The average Tennessee auto insurance premium in September 2011 was $1,339.00 for a 12-month policy. It appears that rates have increased since August 2011 when average rates in Tennessee were around $1,328.00 for a 12-month policy.
Average Premiums for Auto Insurance In Tennessee |
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| Sep 2011 | Aug 2011 | Jul 2011 | Jun 2011 | May 2011 |
| $1339.00 | $1328.00 | $1321.00 | $1290.00 | $1277.00 |
Since rates have increased in recent months, it’s important to continue to save money and find great coverage on Tennessee auto insurance. Be sure to ask your Tennessee car insurance agent about a Home-Auto Discount which can save you up to 25% or more on your home and auto insurance. Also, check your coverages on a regular basis to make sure you have enough auto insurance coverage in the event of a accident or other claim.
Tennessee Auto Insurance News
- Report: 1 in 7 U.S. drivers uninsuredMonday, April 25, 2011
Tennessee Auto Insurance Coverage Requirements
Bodily Injury: Tennessee drivers are required by law to carry a minimum of $25,000 of bodily injury coverage with a maximum of $50,000 per accident. Bodily injury coverage provides for lost wages, funeral expenses and medical expenses in the event of an accident where injuries are sustained.
Property Damage: Drivers in Tennessee must carry a minimum of $10,000 in property damage liability coverage for every owned vehicle. This coverage protects drivers from damages caused to private and public property damaged in an accident.
Tennessee Recommended Coverages
- Uninsured/Underinsured Motorist Coverage- a type of insurance which pays for the damages caused by uninsured and underinsured drivers.
- Comprehensive and Collision Coverage- a type of insurance coverage which pays for damages caused by storms and other natural disasters
Another way to save money on Tennessee car insurance premiums is to take advantage of auto insurance discounts that can save you money in your area. Read more about the Tennessee Home-Auto Discount.
Auto Insurance Tools and Tips:
- Auto Insurance Quiz- Why do you really pay what you do for auto insurance? Quiz yourself!
- Teen Driver Contract- Download our free teen driver contract and start protecting your teens on the road today.
- Car Insurance RateReport: See how your premiums add up against other drivers in the country with our interactive RateReport map.
Tennessee Most Stolen Vehicles
Some specific vehicle models are known for being more commonly stolen than others. Owning one of these vehicles may affect your auto insurance rates. Check out the most commonly stolen vehicles in Tennessee:
The Top 10 Most Stolen Vehicles in Tennessee
Rank |
Year |
Vehicle |
1 |
1994 |
Chevrolet Full Size C/K 1500 Pickup |
2 |
1996 |
Oldsmobile Cutlass |
3 |
1991 |
Toyota Camry |
4 |
1996 |
Honda Accord |
5 |
1997 |
Ford F150 Series |
6 |
1998 |
Ford Taurus |
7 |
1993 |
Jeep Cherokee/Grand Cherokee |
8 |
1994 |
Ford Explorer |
9 |
1987 |
Chevrolet Caprice |
10 |
1998 |
Ford Ranger |
Source: © 2007 National Insurance Crime Bureau.
Tennessee Driver Licensing Rules/Regulations:
Laws about licensing new drivers vary per state and are unique in Tennessee. Drivers shopping for Tennessee teen auto insurance should review the laws regarding young drivers in their state. A summary of Tennessee young driver and driver licensing regulations are listed below, as per the Insurance Institute for Highway Safety (IIHS):
| To earn a Tennessee learners permit you must be of this minimum age: | 15 |
| Before getting a Tennessee drivers license you must have a learners permit for: | 6 months |
| Also, you must have this minimum amount of supervised driving time: | 50 hours, 10 of which must be at night |
| To earn a Tennessee driver's license you must be of the minimum age: | 16 |
| During your restricted license stage, you are not allowed to drive between: | 11 pm-6 am |
| Also, you are required to comply with the following passenger restrictions: | no more than 1 passenger |
| The minimum age at which your restricted nighttime hours may be lifted in Tennessee is: | 17 |
| The minimum age at which your passenger restrictions may be lifted in Tennessee is: | 17 |
Shop HomeInsurance.com for the lowest rates and best coverage for your vehicles. Simply enter your zip code above to start your customized car insurance quote and let our auto insurance agents qualify you for all available discounts in Tennessee.
Search for auto insurance in your Tennessee county:
- Anderson
- Bedford
- Benton
- Bledsoe
- Blount
- Bradley
- Campbell
- Cannon
- Carroll
- Carter
- Cheatham
- Chester
- Claiborne
- Clay
- Cocke
- Coffee
- Crockett
- Cumberland
- Davidson
- Decatur
- Dekalb
- Dickson
- Dyer
- Fayette
- Fentress
- Franklin
- Gibson
- Giles
- Grainger
- Greene
- Grundy
- Hamblen
- Hamilton
- Hancock
- Hardeman
- Hardin
- Hawkins
- Haywood
- Henderson
- Henry
- Hickman
- Houston
- Humphreys
- Jackson
- Jefferson
- Johnson
- Knox
- Lake
- Lauderdale
- Lawrence
- Lewis
- Lincoln
- Loudon
- Macon
- Madison
- Marion
- Marshall
- Maury
- Mcminn
- Mcnairy
- Meigs
- Monroe
- Montgomery
- Moore
- Morgan
- Obion
- Overton
- Perry
- Pickett
- Polk
- Putnam
- Rhea
- Roane
- Robertson
- Rutherford
- Scott
- Sequatchie
- Sevier
- Shelby
- Smith
- Stewart
- Sullivan
- Sumner
- Tipton
- Trousdale
- Unicoi
- Union
- Van Buren
- Warren
- Washington
- Wayne
- Weakley
- White
- Williamson
- Wilson
For additional information about specific auto insurance laws in Tennessee, visit the Tennessee Department of Commerce & Insurance website.
