Who Has the Cheapest Car Insurance for Drivers with a Bad Driving Record in Tennessee?

You have most likely seen the catchy advertisements from companies like State Farm, Allstate, and Nationwide promising the cheapest price, so drivers should just choose any of them, right?

It’s just not that simple, as there are a whole bunch of unknown factors such as your prior traffic citations, the liability claim history for your vehicle model, and the level of deductible you choose, that all help calculate your car insurance rates. This article goes into detail about these types of topics and will hopefully give you a good beginning to your quest for cheaper car insurance in Tennessee.

When shopping for insurance for bad drivers, one of the many things that affect the policy price is where you normally keep your vehicle. Cities that have higher claim levels or more people like Memphis, Germantown, and Jackson tend to pay more, whereas less populated areas can boast about having cheaper rates.

The table below lists the most expensive areas in Tennessee for drivers with a bad driving record to buy car insurance in.

Prices are approximated as the specific garaging location can impact auto insurance rates significantly.

Finding out which company quotes the lowest-priced insurance rates for drivers with a bad driving record will take a little more effort in order to find the lowest price quote.

Every auto insurer uses a slightly different approach to determine rates, so let’s take a look at the overall cheapest insurance companies in Tennessee. It’s important that readers know that Tennessee insurance rates are based on many factors that may substantially change the price of your policy. Simply improving your credit, adding a teenager to your policy, or getting a few speeding tickets can produce rate changes that can make some companies cheaper than others.

Best Insurance Companies for Imperfect Drivers

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Utica National may offer some of the best car insurance rates in Tennessee at around $760 annually. Auto-Owners, Cincinnati Insurance, Penn National, and USAA are also some of the cheaper Tennessee auto insurance companies.

In the above rates, if you currently have a policy with Cincinnati Insurance and switched to Utica National, you might achieve yearly savings of in the vicinity of $116. Drivers with Penn National might save as much as $148 a year, and USAA policyholders might lower prices by up to $159 a year.

Bear in mind that those estimates are averages across all drivers and vehicles and do not take into consideration a price surcharge for drivers with a bad driving record. So the company that has the cheapest rates for you may not even be shown in the company chart above. That affirms the importance of why you need to compare rates from as many companies as possible using your own individual information.

Cost and performance of the vehicle requiring insurance is one of the main factors when quoting affordable insurance for drivers with a bad driving record. Vehicles with higher performance, poor crash test ratings, or an increased likelihood of liability claims will cost quite a bit more to insure than safer models.

The next tables estimates insurance prices for a number of the cheaper automobiles to insure in Tennessee.

Data based on single female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Prices do not factor in specific zip code location which can affect coverage rates significantly.

Prices above based on single female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, multi-policy, and multi-vehicle. Rate information does not factor in vehicle garaging location which can impact coverage rates considerably.

Price data assumes single female driver age 30, two speeding tickets, two at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include multi-policy, multi-vehicle, and homeowner. Rate quotes do not factor in specific garaging location which can affect auto insurance rates significantly.

Cheapest car insurance: Progressive, State Farm, Geico, or Allstate

When comparing auto insurance for bad drivers in Tennessee, four of the larger companies to compare rates for are Progressive, State Farm, Geico, and Allstate. They all offer different optional coverages and features that may influence your choice. The data below points out ratings and policy coverage options that are available.