This would be a much quicker read if we could just give you the name of the one company that has the cheapest coverage in Tennessee. It’s not that simple, unfortunately, as there are a whole slew of unknown aspects such as your financial stability, if you are married or single, and if you want full coverage included, that help determine the price you have to pay. We will try to teach you about the best ways to pay less and hopefully give you enough understanding to have a solid foundation to find cheaper car insurance in Tennessee.
For new drivers, one of the more important components that affect the policy price is where you keep your vehicle in Tennessee. Cities with more crime and/or more people like Memphis, Collierville, and Jackson likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims have the enjoyment of a little cheaper coverage.
The table below illustrates the highest-priced areas in Tennessee for a learners permit to buy car insurance in.
Rank | City | Premium Per Year |
---|---|---|
1 | Memphis | $1,446 |
2 | Bartlett | $1,363 |
3 | Collierville | $1,363 |
4 | Germantown | $1,360 |
5 | Jackson | $1,305 |
6 | Columbia | $1,226 |
7 | Oak Ridge | $1,223 |
8 | Nashville | $1,213 |
9 | Clarksville | $1,206 |
10 | Knoxville | $1,194 |
11 | Maryville | $1,172 |
12 | Hendersonville | $1,170 |
13 | Spring Hill | $1,169 |
14 | Gallatin | $1,167 |
15 | Morristown | $1,159 |
16 | Smyrna | $1,159 |
17 | Murfreesboro | $1,159 |
18 | La Vergne | $1,151 |
19 | Cookeville | $1,136 |
20 | Brentwood | $1,133 |
21 | Franklin | $1,129 |
22 | Chattanooga | $1,115 |
23 | Cleveland | $1,102 |
24 | Johnson City | $1,073 |
25 | Kingsport | $1,026 |
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Rates are comparative as the garaging address in Tennessee can revise auto insurance rates considerably.
Locating low-priced car insurance is difficult, and figuring out which companies have the cheapest auto insurance rates for a learners permit will require even more work. Insurance premiums should be quite a bit pricier than the state average attributed to the potential for more claims related to selling insurance for new drivers, but competitive coverage may be achievable if you compare enough rates. Every auto insurer has their own formula for establishing rates, so we’ll take a look at the most competitive auto insurance companies in Tennessee.
It’s important that you understand Tennessee auto insurance rates are calculated based on many things which can substantially change the policy premium. Price variation is why consumers need to take the time to perform a complete rate comparison to find the most economical insurance rates for a learners permit. Prices are calculated by many things and can change substantially, so the lowest-price company three years ago may now be costing you a lot of money.
Best Auto Insurance Prices in Tennessee
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Rank | Company | Cost Per Year |
---|---|---|
1 | Utica National | $767 |
2 | Auto-Owners | $852 |
3 | Cincinnati Insurance | $876 |
4 | Penn National | $899 |
5 | USAA | $929 |
6 | Tennessee Farmers | $951 |
7 | Erie | $987 |
8 | Nationwide | $1,012 |
9 | Allied | $1,060 |
10 | Westfield | $1,079 |
11 | GEICO | $1,144 |
12 | State Farm | $1,165 |
13 | Progressive | $1,190 |
14 | Shelter | $1,199 |
15 | Travelers | $1,201 |
16 | Direct General | $1,201 |
17 | State Auto | $1,241 |
18 | The Hartford | $1,245 |
19 | 21st Century | $1,300 |
20 | Chubb | $1,316 |
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Utica National may have some of the most affordable car insurance rates in Tennessee at around $767 per year. Auto-Owners, Cincinnati Insurance, Penn National, and USAA also make the cut as some of the most economical Tennessee insurance companies.
As shown above, if you buy coverage from Penn National and switched to Utica National, you could earn an annual premium reduction of in the vicinity of $132. Tennessee drivers with USAA could save as much as $162 a year, and Tennessee Farmers insureds might see rate reductions of $184 a year.
If you want to see how much you could save, click here to begin a quote or feel free to get quotes from the companies below.
Be aware that those rates are averages across all types of insureds and vehicles and do not factor in a price increase for a learners permit. So the car insurance company that has the lowest price for you may not even be shown in the above list. That affirms the importance of why you need to get car insurance quotes using your own individual information.
Choosing a good quality car insurance provider is hard considering how many companies sell insurance in Tennessee. The company rank data displayed below could help you select which auto insurers to look at when insurance shopping for a learners permit.
These ratings include the largest companies in America, so companies without a large exposure will not be included in these rankings. To compare prices from these top insurers and more, click here.
Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
---|---|---|---|---|---|---|
Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
American Family | 91 | 86 | 95 | 83% | A | 89.7 |
Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
The General | 86 | 93 | 89 | 84% | A- | 88.2 |
GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
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Data Source: Insure.com Best Car Insurance Companies
When shopping around for car insurance for new drivers in Tennessee, four companies to take a look at are Progressive, Allstate, State Farm, and Geico. When added together, they insure almost 50% of all vehicles in the U.S.. The data below illustrates some of the ratings and options that are available from each company.
Progressive | Allstate | State Farm | Geico | |
---|---|---|---|---|
Price Ranking | 3rd | 4th | 2nd | 1st |
Overall Satisfaction | 3rd | 2nd | 4th | 1st |
Policy Discounts | 4th | 1st | 3rd | 2nd |
Claims Handling | 4th | 1st | 2nd | 3rd |
Percent of U.S. market | 8.8% | 10% | 18.3% | 11.4% |
Customer recommendation | 88% | 86% | 88% | 87% |
Breakdown insurance | Yes | No | No | Yes |
Rideshare insurance | Yes | Yes | Yes | Yes |
Rating based on usage | Yes | Yes | Yes | No |
Emergency roadside assistance | Yes | Yes | Yes | Yes |
New car replacement insurance | No | Yes | No | No |
Accident forgiveness | Yes | Yes | No | Yes |
Available in Tennessee | Yes | Yes | Yes | Yes |
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The list below details some of the better penny-pinching solutions that can help drivers get cheaper coverage.
That final tip is remarkably critical, as was affirmed in this article. Prices charged by auto insurers adjust often, so you should be ready to buy a different policy if a more affordable rate is found.
Many drivers prefer to stick with one company, but it’s not recommended if that stubbornness costs you a lot of money every month. It only take a few minutes to shop around and find cheaper car insurance for a learners permit.
There are many different ways to purchase auto insurance in Tennessee, but the most prevalent are through an exclusive agency like Allstate or Auto-Owners, an independent insurance agent, or buying direct from a company like Geico or Progressive. You can use whichever you prefer, but it’s important to understand the differences in how they provide rate quotes.
Independent insurance agencies are appointed by several companies and can get rate quotes from every one. These agents do not write with just one company and can give you more rate choices, which can help you get a better chance of saving money. If a cheaper price is found, your policy is moved internally and you do not have to find a new agent.
An exclusive agent is restricted to one insurance company, for example Allstate or State Farm agents. They are unable to quote prices from more than just one company, so if finding the cheapest auto insurance is your goal, you will want to shop around.
The third popular method of shopping for auto insurance is direct, which means you forego an exlusive or independent agent and buy direct from companies such as Progressive or Esurance. Buying direct can be a good choice for drivers who do not have a lot of assets and know how auto insurance works.
Out of those three methods, which one works best to buy cheap car insurance for a learners permit in Tennessee? Most people would assume that buying direct yields the cheapest rates since it doesn’t require paying agent commissions, but in reality, that argument does not hold true. An argument could also be made that buying auto insurance from an independent agent results in the cheapest rates since they can provide multiple quotes, but again, it’s not a sure thing. And often times, exclusive agencies have price quotes that other companies cannot beat.
Since auto insurance companies use so many rating factors, the only real way to get the lowest rate is to do a thorough rate comparison. The ideal approach is to get quotes from all three to give yourself the best selection. For a list of companies with online discounts, click here to view.