Tennessee Car Insurance

There’s a lot of scenery to see in the state of Tennessee, things like the Smoky Mountains or the Graceland Mansion is there for your enjoyment. Why not take a few hours out of your day get behind the wheel enjoy the twists and turns of the Smoky Mountains, it’s a dream isn’t it? Traveling so high up you’ll be out of breath. One thing’s for certain car insurance rates in Tennessee aren’t as expensive as you think it is. So we’re here to help you understand everything you need to know about car insurance in Tennessee.

Required Coverages

 For you to legally drive in the state of Tennessee you have to have the following coverage limits on your insurance policy. Keep in mind that these are the minimum requirements and you have the eligibility to offer something much higher if you’d like.

  • $25,000 of bodily injury coverage per person
  • $50,000 of bodily injury coverage  car accident
  • $15,000 of property damage per accident

Optional Coverages

 If you think that the minimum coverage is aren’t sufficient enough for your needs, hear some optional coverages that you can add on to your policy to help amp up your protection on the road.

  • Comprehensive insurance
  • Collision insurance
  • Gap insurance
  • Roadside assistance
  • Uninsured motorist cover
  • Underinsured motorist coverage

Factors that Go into Your Insurance

It goes without saying that the rate you pay with one insurance company is not going to be the same as another. The way your insurance premiums calculated varies depending on the company you go with. Below we’ve listed factors that you should take into consideration when shopping around to help determine your premium.

  • Make the model and year of the vehicle
  • Where the vehicle is  stored
  • Location of the vehicle
  • Your driving record
  • Age
  • Gender
  • Marital status
  • And more

is Tennessee a no-fault state?

 Tennessee is considered to be a fault state. this means that if you’re in an accident and have been heard you can recover damages from the opposing parties insurance company to help pay for expenses such as medical wages or loss of income, and damages to your vehicle.

Average Cost of Insurance in Tennessee

Being one of the’ more Scenic States, the average cost of insurance for Tennessee is quite inexpensive when you compared to the rest of the states. Think of it like a benefit you got four wanted to take those scenic drives and enjoying it. You are about 8% lower than the national average and paying about $1,300 each year.