Tennessee Insurance Agencies by County

How to Lower Your Car Insurance in Tennessee (And How Insurance Companies Score You)

Trying to cut the cost of car insurance in Tennessee? Whether you’re commuting around Nashville, Memphis, Knoxville, or Chattanooga, driving I-40 and I-24, or navigating mountain roads in East Tennessee, there are smart ways to keep premiums down. This overview explains how Tennessee insurers evaluate drivers — and what you can do to save money.

How Car Insurance Companies in Tennessee Score You

• Driving history – Accidents, tickets, DUIs, and prior claims impact rates.
• Insurance score – Many insurers use credit-based insurance scoring.
• Location – Rates vary by county/city based on traffic density, theft risk, and claim frequency.
• Vehicle type – Repair costs, safety ratings, and theft risk affect pricing.
• Annual mileage – Lower mileage may qualify for discounts.
• Coverage choices – Higher limits/full coverage cost more; higher deductibles often reduce premiums.

10 Ways to Lower Your Car Insurance in Tennessee

1. Compare quotes from multiple insurers.
2. Bundle auto with home or renters insurance.
3. Maintain good credit.
4. Increase deductibles if financially comfortable.
5. Ask about telematics or usage-based programs.
6. Check all discounts (safe driver, multi-car, homeowner, good student, paid-in-full, autopay).
7. Consider liability-only on older vehicles.
8. Choose vehicles with lower repair costs and strong safety ratings.
9. Avoid coverage lapses.
10. Re-shop every 6–12 months.

Tennessee Minimum Auto Insurance Requirements

Tennessee generally requires at least 25/50/15 in liability coverage — $25,000 bodily injury per person, $50,000 per accident, and $15,000 property damage per accident. Many drivers choose higher limits for better protection.

Storms, Deer Collisions, and Comprehensive Coverage

Tennessee drivers may face severe storms, hail, and frequent deer collisions—especially in rural areas. Comprehensive coverage can help protect your vehicle from non-collision losses such as theft, vandalism, falling objects, storm damage, and animal impacts.

Use the county selector above to explore local insurance agencies in your area and compare options side-by-side.