Who Has the Cheapest Insurance Quotes for 4×4 Vehicles in Tennessee?

Figuring out which company offers the cheapest auto insurance rates for 4×4 vehicles involves a little more work than just comparing a company or two. Each auto insurer has their own formula for determining prices, so we will examine the auto insurance companies that tend to be cheaper in Tennessee.

Best Car Insurance Prices for 4×4’s

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Utica National offers some of the cheapest car insurance rates in Tennessee at around $737 a year. Cincinnati Insurance, Auto-Owners, Penn National, and USAA also are some of the cheaper Tennessee insurance companies.

As depicted above, if you are currently insured with Penn National and switched to Utica National, you could realize a yearly price reduction of upwards of $162. Customers with USAA might save as much as $182 a year, and Tennessee Farmers insureds might realize rate reductions of up to $186 a year.

To find out how much you can save, click here to get quotes or feel free to get quotes from the companies below.

Understand that those policy prices are averages across all insureds and vehicles and do not take into consideration a price decrease for 4×4 vehicles. So the auto insurance company that fits your situation best may not even be featured in the above list. That emphasizes why you need to compare as many prices as possible using your own specific driver information and vehicle.

One of the more important criteria that is looked at to determine insurance cost is the neighborhood you call home. Larger areas like Memphis, Germantown, and Oak Ridge tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of the cheapest insurance for 4×4 vehicles in Tennessee.

The next table ranks the most costly cities in Tennessee for 4×4 vehicles in which to purchase auto insurance.

Information shown are comparative as the specific Tennessee residence address can alter premiums greatly.

Types of discounts on Tennessee car insurance rates

Car insurance companies that provide the cheapest insurance for 4×4 vehicles in Tennessee may provide price discounts that may potentially lower prices by as much as 30% if you are eligible to receive them. A list of companies and a summarized list of policyholder discounts can be found below.

• GEICO policyholders can earn discounts including five-year accident-free, membership and employees, air bags, seat belt use, anti-lock brakes, and military active duty.
• USAA may offer discounts for military installation, annual mileage, loyalty savings, family discount, multi-vehicle, and multi-policy.
• Progressive offers discounts for online signing, homeowner, online quote discount, good student, and multi-vehicle.
• American Family offers discounts including good student, bundled insurance, mySafetyValet, multi-vehicle, air bags, and defensive driver.
• Esurance may have discounts that include safety device, online quote, renters, Pac-12 alumni, good student, emergency road assistance, and anti-theft.
• Farmers Insurance discounts include early shopping, homeowner, switch companies, distant student, alternative fuel, youthful driver, and electronic funds transfer.
• State Farm includes discounts for Drive Safe & Save, Steer Clear safe driver discount, accident-free, good student, defensive driving training, and good driver.

The illustration below visualizes the comparison of insurance premiums with and without discounts applied to the rates. The price estimates are based on a female driver, no claims or driving violations, Tennessee state minimum liability limits, comprehensive and collision coverage, and $250 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with multiple policy, multiple vehicle, homeowner, passive restraint, safe-driver, and defensive driving course discounts applied. When drivers qualify for the discounts, the the average amount saved on auto insurance for 4×4 vehicles is 28% or $542.

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Allstate vs State Farm vs Progressive vs Geico

When comparing auto insurance, four of the larger companies to compare rates for are Allstate, State Farm, Progressive, and Geico. All of them offer physical damage and liability coverage, but each has a different combination of discounts, features, and options that drivers can select from. The following table shows some of the different options that may be available in Tennessee.