Who Has the Cheapest Car Insurance Quotes for Drivers Requiring a SR22 in Tennessee?

Who Has the Cheapest Car Insurance Quotes for Drivers Requiring a SR22 in Tennessee?

Performance level and cost of the vehicle you are trying to insure is one of the largest considerations that determines whether or not you find the most affordable coverage for drivers requiring a SR22. Vehicles with more horsepower, poor safety features, or a history of substantial liability claims will cost much more to insure than safer, lower-performance models.

The tables below outlines coverage premiums for the cheaper vehicles to insure.

Car Insurance Rates for Popular Cars in Tennessee
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu Hybrid $2,986 $1,493 $249
Ford Focus SEL 4-Dr Sedan $3,082 $1,541 $257
Ford Fusion Sport AWD 4-Dr Sedan $3,310 $1,655 $276
Honda Accord EX-L 4-Dr Sedan $2,686 $1,343 $224
Honda Civic VP 4-Dr Sedan $3,082 $1,541 $257
Hyundai Elantra Blue 4-Dr Sedan $3,082 $1,541 $257
Kia Optima EX $3,410 $1,705 $284
Nissan Altima 2.5 S 4-Dr Sedan $3,116 $1,558 $260
Toyota Camry Hybrid $3,410 $1,705 $284
Toyota Corolla XLE $3,116 $1,558 $260
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Above prices assume single male driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Price estimates do not factor in vehicle garaging location which can modify coverage prices substantially.

Auto Insurance Rates for Popular SUVs and Crossovers in Tennessee
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
BMW X5 3.0I AWD $3,180 $1,590 $265
Chevrolet Suburban LT 2WD $3,018 $1,509 $252
Chevrolet Traverse LS 2WD $2,558 $1,279 $213
Ford Escape XLS 2WD $2,524 $1,262 $210
Ford Explorer Eddie Bauer 2WD $2,858 $1,429 $238
GMC Acadia SL AWD $2,858 $1,429 $238
Honda CR-V LX 4WD $2,524 $1,262 $210
Honda Pilot Touring 2WD $3,018 $1,509 $252
Jeep Grand Cherokee SRT-8 4WD $3,148 $1,574 $262
Lexus RX 350 4WD $3,572 $1,786 $298
Subaru Forester X Premium AWD $2,718 $1,359 $227
Toyota 4Runner SR/5 4WD $2,718 $1,359 $227
Toyota Highlander Hybrid 4WD $3,180 $1,590 $265
Toyota RAV4 Limited 4WD $2,986 $1,493 $249
Volvo XC90 3.2 2WD $3,148 $1,574 $262
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Data assumes single male driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Premium amounts do not factor in specific Tennessee garaging location which can alter insurance rates significantly.

Insurance Rates for Popular Pickup Trucks in Tennessee
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 2WD $2,952 $1,476 $246
Chevrolet Silverado LS Regular Cab 4WD $2,824 $1,412 $235
Dodge Ram 2500 Mega Cab SLT 4WD $3,606 $1,803 $301
Dodge Ram Quad Cab Laramie 4WD $3,572 $1,786 $298
Ford F-150 STX Super Cab 2WD $2,824 $1,412 $235
Ford F-350 XLT Super Cab 2WD $3,180 $1,590 $265
GMC Canyon SLE Regular Cab 4WD $2,858 $1,429 $238
GMC Sierra 3500HD SLE Extended Cab 4WD $3,814 $1,907 $318
GMC Sierra SLE Regular Cab 4WD $3,148 $1,574 $262
Toyota Tundra Limited Crew MAX 4WD $3,442 $1,721 $287
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Price data assumes single male driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific location which can alter coverage rates significantly.

For high risk drivers, one of the more important criteria that control rate quotes is where you call home in Tennessee. More populated areas like Memphis, Germantown, and Jackson are more likely to pay higher prices, whereas areas with less congestion generally pay less for car insurance.

The information below shows the more expensive cities in Tennessee for drivers requiring a SR22 to buy an auto insurance policy in.

Most expensive Tennessee cities for auto insurance
Rank City Premium Per Year
1 Memphis $1,490
2 Bartlett $1,363
3 Germantown $1,334
4 Collierville $1,309
5 Jackson $1,266
6 Oak Ridge $1,223
7 Clarksville $1,206
8 Knoxville $1,194
9 Spring Hill $1,193
10 Murfreesboro $1,183
11 Columbia $1,178
12 Nashville $1,177
13 Maryville $1,172
14 Morristown $1,171
15 Gallatin $1,167
16 Franklin $1,164
17 La Vergne $1,162
18 Hendersonville $1,158
19 Chattanooga $1,149
20 Smyrna $1,148
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Table data uses estimated as the specific zip code location can impact prices noticeably.

Which auto insurance company is best?

When it comes to buying auto insurance for high risk drivers in Tennessee, four companies to definitely compare rates with are Allstate, Geico, Progressive, and State Farm. The following table points out ratings for price and service, as well as some optional coverages that are available for policyholders.

Comparison of Top Four U.S. Car Insurance Companies
Allstate Geico Progressive State Farm
Client Satisfaction 2nd 1st 3rd 4th
Policy Discounts 1st 2nd 4th 3rd
Overall Cost 4th 1st 3rd 2nd
Claims Handling 1st 3rd 4th 2nd
Amount of market share 10% 11.4% 8.8% 18.3%
Recommend by customers 86% 87% 88% 88%
Rating from A.M. Best A+ A++ A+ A++
New car replacement insurance Yes No No No
Rideshare insurance Yes Yes Yes Yes
Rating based on usage Yes No Yes Yes
Emergency roadside assistance Yes Yes Yes Yes
Mechnical breakdown No Yes Yes No
Accident forgiveness Yes Yes Yes No
Where to buy Can only buy from Allstate agents From a Geico agent or online Buy online or from an independent agent Only from State Farm agents
Number of agents 11,000+ 150+ 30,000+ 18,000+
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