Cheap Auto Insurance In Memphis Tn
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The average auto insurance rate in Memphis is $1,177 annually, slightly higher than the state average. The cheapest widely-available insurance provider for Memphis drivers is GEICO, which has an average premium of $877. MoneyGeek analyzed the cheapest across coverage levels and driving history. Additionally, MoneyGeek ranked insurers to find the best companies that balance quality and affordability.
A minimum coverage policy is the cheapest available car insurance in Memphis, and buying it will lead to savings in your insurance premiums. However, in case of an accident, you may end up paying much more.
The average car insurance rate in Memphis is $1,177 per year. In comparison, the annual average cost in Tennessee is $1,018, while the average cost nationwide is $1,424. The average cost of car insurance in Memphis is 15.6% more expensive than the typical cost in the rest of the state, but it is still 17.4% cheaper than the national average.
Your ZIP code is another factor that will make a difference in your auto insurance rates. In some areas where there are higher cases of car thefts and accidents, it will cost you more to get car insurance. In Memphis, ZIP codes have slight differences in average annual premiums, ranging from $1,170 to $1,186 on average. The most expensive ZIP code for auto insurance is 38127, but rates in this area are only about $16 higher than those in 38116.
If you get your auto insurance in Memphis, you can expect to pay a higher price than in any city in Tennessee. Moreover, the highest insurance rates in Tennessee are all located in the Memphis metro area.
Tennessee is the 17th-cheapest state for car insurance, and although Memphis drivers pay a bit more than the state average for car insurance, they can still find competitive quotes from top companies.
If you prefer a traditional insurance policy over pay-per-mile, consider regional insurance company Grange Insurance, with an average full-coverage quote of $135 per month. Grange sells auto policies in Georgia, Illinois, Iowa, Kentucky, Michigan, Minnesota, Ohio, Pennsylvania, South Carolina, Tennessee, Virginia, and Wisconsin.[3]
Mile Auto, Certainly, and National General have some of the cheapest car insurance rates in Memphis. Mile Auto is a pay-per-mile insurance company, while Certainly is regional. National General is a well-known national insurance company.
Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
All Memphis drivers must carry an active auto insurance policy to drive legally in the state. Keep reading to learn more about car insurance in Memphis, TN, including average rates paid by age group, major cities, and top savings recommendations on your following policy.
When you consider the cheapest car insurance in Memphis, liability auto insurance, motorists are paying on average $62 per month, more expensive than the national average at $47 and twice as much as the state average of $31.
Fortunately, many cheap auto insurance policies in Memphis offer only the state minimum required coverage of $25,000 per person for bodily injury liability, $50,000 per accident for bodily injury liability, and $15,000 per accident for property damage liability.
The cheapest car insurance company in Memphis is USAA with an average premium of $924 per year. However, car insurance rates are based on a series of different risk factors, such as where you live and your driving record.
Please remember that the preceding descriptions contain only a general description of available coverages and are not a statement of contract. All coverages are subject to all policy provisions and applicable endorsements. Coverage options may vary by state. To learn more about auto insurance coverage in your state, find a State Farm agent.
Bankrate reviewed several insurance companies to find cheap carriers that also offer strong customer service ratings, financial strength indicators and a wide selection of policy options. This list may help you find the cheapest car insurance in Memphis without skimping on quality.
Drivers looking for cheap car insurance companies in Memphis that also offer robust coverage options might find Travelers appealing. Policyholders can customize their policy by adding new car replacement, gap insurance, rideshare coverage and accident forgiveness. The company also provides named non-owner policies for those that need them. However, drivers who value customer service may want to do further research as Travelers fell far below the industry average in the J.D. Power U.S. 2022 Auto Claims Satisfaction Study.
Although not as well-known as others on this list, Erie is a regional carrier specializing in a robust local agent network. Erie places high in customer satisfaction ratings as well as cheap car insurance rates in Memphis. The company also offers pet coverage, a rate lock feature to protect your premiums and personal item coverage not typically covered under car insurance. However, since Erie primarily operates via its local agency network, around-the-clock customer service is unavailable.
Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features.His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
In the market for cheap auto insurance in Memphis, TN With AutoInsuranceEZ.com, you could find the most affordable insurance rates in your city. To acquire free car insurance rates available from the major providers today, key your zipcode in the quote box here on this page.
For most people, the most affordable auto insurance is generally found in cities with a lower population density. Because there are less automobiles on the streets, there are a lot fewer possibilities to get into a significant car accident with another motorist. The population of Memphis is 653,450 plus the normal household earnings are $36,722.
Just under 28% of local residents have received their high school diploma, and another 24% have yet to complete all four years of their high school education. But if you decide to go back and earn an advanced degree, the investment will pay off in the form of cheaper auto insurance rates!
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
Car insurance in Tennessee costs $39 per month or $467 per year for minimum coverage, on average. The cheapest car insurance companies in Tennessee are Auto-Owners, USAA, and State Farm, and getting quotes from several companies can help you find the best deal.
The average cost of car insurance in Tennessee is 30% lower than the national average auto insurance premium. There are several factors that affect how much you'll pay for car insurance in Tennessee, including your driving record, age and location, the amount of coverage you purchase, and the insurance company you buy it from.
The biggest drawback of paying for auto insurance monthly is that it's almost always more expensive than paying in full for six or 12 months of coverage upfront. Some Tennessee insurance companies charge slightly more for month-to-month premiums, and there can also be payment processing fees. Most car insurance companies also discount rates for customers who pay in advance.
You can still find cheap car insurance options if you can't afford a big deposit, though. The best no-down-payment car insurance keeps rates low and only requires the first month's payment to start your policy.
The city in Tennessee with the least expensive auto insurance premiums is Bristol, which has an average premium of $946 per year. By comparison, the average cost of car insurance in Tennessee overall is $1,046 per year.
Some cities in Tennessee have cheaper car insurance premiums than others because insurance companies take a driver's ZIP code into account when calculating their premium, alongside other factors. For example, drivers who live in dense urban areas typically pay more for coverage than drivers in rural areas because they're more likely to get into an accident. And if an area has a particularly high theft rate, car insurance may be more expensive due to the risk of vehicles being stolen.
Policy discounts typically reward customer behavior that is desirable to the insurance company. For example, most Tennessee drivers can save by registering for paperless billing or getting both home and auto policies from the same company. Driver discounts are available to Tennessee residents who are lower-risk to insure, like those with clean driving records. And vehicle discounts help drivers save if their car has certain safety features or anti-theft systems.
Auto-Owners is the cheapest SR-22 insurance company in Tennessee, with premiums costing an average of $267 per year. Since drivers with an SR-22 are considered high-risk, they usually pay above-average rates for coverage, sometimes more than twice as much as a standard policy. The average rate increase in Tennessee is 11%. 59ce067264
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