Cheapest Car Insurance for Drivers with a DUI in Tennessee

Finding reliable, low-cost insurance is difficult, and figuring out which insurers offer the cheapest insurance rates for drivers with a DUI requires even more perseverance. Insurance prices could be significantly pricier than the average rate in Tennessee, with the extra cost attributed to the higher likelihood of claims that comes with offering insurance after getting a DUI, but reasonable insurance may be available if you compare enough rates. Every insurance provider has their own formula to set their prices, so let’s take a look at the insurance companies that tend to be cheaper in Tennessee.

Cheap Insurance Rates after a DUI

Click to Compare Rates Now

Utica National quotes some of the best car insurance rates in Tennessee at around $737 a year. Auto-Owners, Cincinnati Insurance, Penn National, and Tennessee Farmers are also some of the more affordable Tennessee car insurance companies.

As shown in the table above, if you have coverage with Penn National and switched to Auto-Owners, you could earn annual savings of in the vicinity of $72. Drivers with Tennessee Farmers might save as much as $124 a year, and USAA customers might cut rates by $130 a year.

If you want to see how much you could save, click here to get quotes or quote rates from the companies below.

Remember that these policy prices are averages for all drivers and vehicles in Tennessee and do not take into consideration a price surcharge for drivers with a DUI. So the car insurance company that fits your age and vehicle best may not even be included in the rate chart shown above. That is why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

The make and model of vehicle that is being insured is one of the largest considerations when comparing the cheapest auto insurance for drivers with a DUI in Tennessee. Vehicles with reasonable performance levels, a plethora of safety features, or a low likelihood of having liability claims will cost substantially less to insure than adrenaline junky models.

The next list showcases coverage rates for a handful of the most economical automobiles to insure in Tennessee.

Data variables include married female driver age 40, two speeding tickets, no at-fault accidents, $500 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, and multi-policy. Table data does not factor in specific garaging location which can decrease or increase coverage rates considerably.

Looking at the data, we can infer that models like the Kia Forte, Ford Escape, Subaru Forester, Toyota Prius, and Chevrolet Traverse will definitely be a few of the cheapest vehicles to insure after getting a DUI. The price for an auto insurance policy will tend to be more expensive anyway because there is more claim risk for drivers with a DUI, but generally speaking those models will most likely have the least expensive rates compared to other vehicles.

Careless driving habits raise insurance rates

In a perfect world, the best way to score the cheapest auto insurance for drivers with a DUI in Tennessee is to drive safe and avoid getting tickets or having accidents. The information below illustrates how traffic citations and at-fault accidents influence auto insurance rates for each age group. The information is based on a married female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘Two Speeding Tickets and No Accidents’, ‘Two Speeding Tickets and One Accident’],[‘Age 20’, 1677,2167,2659],[‘Age 30’, 1173,1665,2159],[‘Age 40’, 1159,1651,2143],[‘Age 50’, 1021,1513,2003],[‘Age 60’, 973,1467,1957],[‘Age 70’, 1041,1535,2027]]);var options = {title: ‘Violations, Accidents, and Tennessee Insurance Rates’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],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);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

The data above shows the average cost of car insurance in Tennessee per year with a clean driving record and no accidents is $1,174. Add in two speeding tickets and the average cost rises to $1,666, an increase of $492 each year. Now throw in one accident along with the two speeding tickets and the annual cost of insurance for drivers with a DUI increases to an average of $2,158. That’s an increase of $984, or $82 per month, just for not being more responsible behind the wheel!

Who has the cheapest insurance quotes after getting a DUI?

Thanks to the internet, there are a lot of ways to find cheap insurance in Tennessee, but the most frequently used are from an exclusive agency like State Farm or Liberty Mutual, an independent or non-exclusive agent, or direct from companies such as Geico or Progressive.

All three ways can provide insurance quotes, but it’s important to point out the distinctions in how they work.

Independent insurance agencies write business for many companies and can do rate comparisons with every one. These types of agencies are able to give you more rates, which can give you a better overall rate comparison. If they find a lower price, your policy can be easily switched to a new company and the insured can keep the same agent.

An exclusive ageny is only able to write business for just one company such as an Allstate or State Farm agent. Exclusive agencies are unable to shop your coverage around, so you will not be able to compare other companys’ rates.

Buying direct means you skip a local agent and instead shop from a direct company like Progressive or Geico. This option is a good choice for consumers who do not need advice for asset protection and know what insurance covers.

Which method is best for finding the cheapest auto insurance for drivers with a DUI in Tennessee? It would be obvious to point out buying direct results in the best prices since it doesn’t require paying agent commissions, but that does not always hold true. We could also assume that buying insurance from an independent agent is the best way to save because they can shop around, but that assumption is not true either. And sometimes, exclusive agents have extremely competitive rates that cannot be met by either independent or direct companies.

Since insurance companies use so many rating factors, really the best method to ensure the lowest rates is to get as many comparison quotes as possible. Be sure to get quotes from all three types in order to be able to find the lowest price. For a list of companies offering online discounts, click here to view.