How Much Does Auto Insurance Cost for Good Drivers in Tennessee?

The car, truck, or SUV driven is one of the primary factors when consumers are trying to find cheap auto insurance for good drivers in Tennessee. Vehicles with higher performance, poor passenger safety features, or a track record of large liability claims will cost substantially more to insure than more modest models. The list below ranks coverage premiums for some of the most cost-effective vehicles to buy coverage for.

Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Tennessee minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rates do not factor in your specific Tennessee location which can alter premiums significantly.

Based upon the table data, we can tell that models like the Honda CR-V, Volkswagen Jetta, Ford Escape, Chevrolet Traverse, and Dodge Grand Caravan are likely to be the most budget-friendly vehicles to insure for safe drivers.

For safe drivers, one of the largest things used to determine car insurance rates is your zip code. Areas with increased crime or more people like Memphis, Germantown, and Jackson will most likely have higher rates, whereas more rural areas have the luxury of lower rates.

The next table displays the highest-priced areas in Tennessee for good drivers to buy an auto insurance policy in.

Information shown are estimated as the specific garaging location can lower or raise auto insurance rates substantially.

Deciphering which company quotes the most affordable auto insurance rates for good drivers may require more work than just quoting one company’s rates. Each insurer uses a little different formula for setting rates, so to begin we’ll rank the auto insurance companies that tend to be cheaper in Tennessee.

We do need to point out that Tennessee auto insurance rates are impacted by many things which can significantly increase or decrease the cost of coverage. Turning one year older, buying a different home, or getting a DUI may cause policy rate changes that can now make some companies cheaper in comparison to the competition.

Find the Cheapest Car Insurance for Good Drivers

Click to Compare Rates Now

Utica National normally has some of the cheapest car insurance rates in Tennessee at around $767 annually. Auto-Owners, Cincinnati Insurance, Penn National, and USAA also are some of the lowest-priced Tennessee car insurance companies.

As shown above, if you are a customer of Cincinnati Insurance and switched to Utica National, you could earn an annual premium reduction of roughly $109. Drivers with Penn National could save as much as $132 a year, and USAA insureds might cut rates by $180 a year.

To get a quick, customized rate comparison, click here to start a quote or click several companies below for low rates.

Understand that those premium estimates are averages across all ages of drivers and types of vehicles and are not factoring in a price discount for good drivers. So the auto insurance company that has the cheapest rates for you may not even be included in the list of companies shown earlier. That emphasizes why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

Get discount Tennessee auto insurance

<img class="shadow floatright" src="http://www.quoteclickinsure.com/blog/wp-content/uploads/cheap-car-insurance-good-drivers-tn.jpg" alt="Cheaper Tennessee auto insurance for safe drivers” />Car insurance companies that provide cheap auto insurance for good drivers in Tennessee may provide rate discounts that can reduce rates by 30% or more if you meet certain criteria. A few of the larger companies and a selection of discounts include:

The example below visualizes the comparison of insurance costs with and without discounts applied to the premium. The price estimates are based on a male driver, no violations or claims, Tennessee state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with homeowner, vehicle safety, multiple policy, passive restraint, claim-free, and marriage discounts applied. When discounts are factored in, the average savings per year on auto insurance for good drivers is % or $.

google.charts.setOnLoadCallback(drawDiscqcibChart);function drawDiscqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Male Driver No Discounts’, ‘Male Driver with Discounts’],[‘Age 20’, 2061,1481],[‘Age 30’, 1091,793],[‘Age 40’, 1063,771],[‘Age 50’, 973,707],[‘Age 60’, 941,683],[‘Age 70’, 1173,847]]);var options = {title: ‘Insurance Rate Comparison for Good Drivers’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’:{left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9’, ‘#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibdisc’));chart.draw(data, options);}

Cost of full coverage in Tennessee

Finding cheap auto insurance for good drivers in Tennessee is probably important to the majority of vehicle owners, and a great way to find cheap insurance is to only buy liability insurance. The illustration below illustrates the comparison of premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Tennessee. The data assumes no claims, a clean driving record, $1,000 deductibles, single status, and no discounts are applied.

google.charts.setOnLoadCallback(drawFclqcibChart);function drawFclqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘Full Coverage with $1,000 Deductibles’, ‘Liability Only’],[‘Age 20’, 2061,879],[‘Age 30’, 1091,485],[‘Age 40’, 1063,451],[‘Age 50’, 973,423],[‘Age 60’, 941,415],[‘Age 70’, 1173,553]]);var options = {title: ‘Full Coverage Rates Versus Liability Only Rates’,titleTextStyle: {color: ‘#333’,fontSize: 17,bold: true},width: ‘100%’,height: 500,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’},colors: [‘#6791b9′,’#98bee2’],hAxis: {title: ‘Annual Auto Insurance Cost for Average Vehicle in Tennessee’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);var chart = new google.visualization.BarChart(document.getElementById(‘qcibfcl’));chart.draw(data, options);}

If we average the cost for ages 20 through 70, physical damage coverage on your policy costs an additional $1,217 per year more than just buying liability insurance. Many drivers may wonder if buying full coverage is a waste of money. There is no definitive formula for excluding full coverage on your policy, but there is a guideline you can use. If the annual cost of comprehensive and collision coverage is more than 10% of the replacement cost minus the deductible, then you might want to think about dropping full coverage.

Is Allstate, Geico, State Farm, or Progressive cheaper?

If you are looking for the best auto insurance for safe drivers, the top insurers to get price quotes from are Allstate, Geico, State Farm, and Progressive. Each one has different options that may influence your choice. The next table compares ratings and policy coverage options that are available for customers.