get a Tennessee car insurance quote from Esurance

or call 1-800-378-7262

Or call 1-800-378-7262.

tennessee car insurance

The Volunteer State is home to a lot of things — like country music, the Graceland Mansion, and the Smoky Mountains, to name a few. High car insurance premiums, however, are not one of them. In fact, Esurance offers Tennessee car insurance rates so competitive you can't help falling in love.

We embrace a hassle-free approach to car insurance, with innovative online technology that aims to save residents of your state both time and money. Get your personalized Tennessee auto insurance quote from Esurance in minutes and find out why we're the smart choice for reliable protection.

I've been an Esurance customer for over 10 years now and everything about you guys is convenient and accessible. Even when we moved to another state, the switch over couldn't have been easier.

– Paul, Florida

Esurance was quick, reliable, and easy to communicate with! I'm glad I switched to you guys! You saved me money and I don't plan on going anywhere!

– Maudryanna, North Carolina

The woman who handled my claim was excellent. I made one phone call, sent one email, and three days later I had a check and a resolution to my problem. Keep up the good work.

– Aaron, Virginia

Tennessee car insurance discounts from Esurance

Here are some of the major money-saving discounts we offer drivers in Memphis, Nashville, and the rest of Tennessee:

  • Claim-Free discount
  • Paperless discount
  • Good Student discount
  • Student Away at School discount
  • Multi-Policy discount
  • Military discount
  • Defensive Driver discount
  • Multi-Car discount
  • Paid-in-Full discount
  • Online Shopper discount

We're committed to making insurance surprisingly painless by making it simple, transparent, and — most importantly — affordable.

Tennessee auto insurance coverages

Required coverages

Tennessee drivers are required to have at least the following coverages and minimum limits on their policies:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per incident
  • $15,000 for property damage liability per incident

You'll often see these limits written as 25/50/15.

Optional coverages

These additional protections can give Tennessee motorists extra financial security in the event of a claim:

  • Comprehensive and collision (may be required by a loan or finance company)
  • Medical payments
  • RightFit Rental coverage
  • Towing and labor coverage
  • Uninsured motorist bodily injury
  • Uninsured motorist property damage
  • Customized parts and equipment
  • Loan/lease gap
  • Accidental death benefit
  • ShareSmart coverage (for rideshare drivers)

Not sure which coverages to choose? Coverage Counselor® can help. It's an online tool that explains coverages for you to consider in words that make sense. So you can feel confident about getting the protection that's right for you.

Esurance-approved car repair shops

If you take your car to one of Esurance's convenient E-star® shops, you can take advantage of guaranteed repairs and online repair monitoring through RepairView®.

Find an E-star shop near you.

Factors that may impact car insurance rates in Tennessee

Car insurance companies in Tennessee (including us) could take the following into consideration when determining your car insurance rate:

  • Your driving record and claims history
  • The ZIP Code where you live
  • The make and model of your car
  • Your age, gender, and marital status
  • Your credit-based insurance score
  • The coverages, limits, and deductibles you select
  • Discounts you may qualify for

Insurance facts in your state

Uninsured drivers

Tennessee has more than its share of uninsured drivers. A report from the Insurance Research Council estimated that, in 2012, about 20 percent of Tennessee drivers were uninsured. That was well above the national average of 12.6 percent.

Uninsured motorist coverage, which is optional in the Volunteer State, can offer financial protection against the roughly 1 in 5 drivers who lack insurance.

Failure to provide proof of insurance

If you can't prove you have car insurance in Tennessee, you face a Class C misdemeanor which could include repercussions such as a $100 fine, suspension of your drivers license, and the inability to renew your vehicle's registration until you meet certain requirements. Keep a current auto policy and your insurance ID card in the glove box to avoid these penalties.

Better yet, just keep your smartphone handy. Now, state law allows digital proof of insurance in Tennessee, meaning you can pull up your ID cards on your phone if you ever get pulled over.

Plus, Esurance customers in your state can download our easy-to-use mobile app, access proof of auto coverage any time, and even save ID cards to their phones so they're available offline too.


The state may require you to file an SR-22, otherwise known as a certificate of financial responsibility, if you're convicted of driving without car insurance, a DUI, or multiple traffic violations. Depending on the offense, you might have to file this document with the state (through your insurer) for up to 5 years.

Stolen cars in Tennessee

The National Insurance Crime Bureau reported that the most stolen cars and trucks in Tennessee in 2013 were:

  1. 1994 Chevrolet Pickup (full size)
  2. 1997 Ford Pickup (full size)
  3. 1996 Honda Accord
  4. 1998 Honda Civic
  5. 1999 Dodge Pickup (full size)
  6. 1998 Chevrolet Pickup (small size)
  7. 2006 Chevrolet Impala
  8. 2013 Toyota Camry
  9. 1994 GMC Pickup (full size)
  10. 1998 Jeep Cherokee/Grand Cherokee

Comprehensive coverage, which is optional unless your loan or finance company requires it, offers financial protection in the event your car's stolen.

Related links

Nashville car insurance
Motorists in Nashville can see all the perks of joining the Esurance family by getting a quick, free quote online.

Auto insurance in Memphis
No need to sing the blues over your car insurance rates, Memphis residents. Grab a quick quote online for affordable Esurance car coverage.

Get a quote to see how surprisingly painless insurance can be

or call 1-800-378-7262

Or speak with a licensed agent at 1-800-378-7262.