get a tennessee car insurance quote from esurance
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.
"Best of Service"
"The customer staff are very caring. They answer questions promptly and have helped in all my inquiries."
— Linda K.
"Beat all other pricing while not making me sacrifice my personalized coverage."
— Douglas F.
tennessee car insurance discounts from esurance
- Claim-Free discount
- Fast 5® discount
- Good Student discount
- Homeowners discount
- Multi-Policy discount
- Defensive Driver discount
- Multi-Car discount
- Paid-in-Full discount
- Switch & Save® discount
our renters plus® discount in tennessee**
If you rent your home, you can protect your valuables from fire and theft by adding renters coverage to your policy — and earn some smart savings in the process.
tennessee auto insurance 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.
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
- CarMatch Rental Coverage®
- Emergency Roadside Service
- Uninsured motorist bodily injury
- Uninsured motorist property damage
- Customized parts and equipment
- Loan/lease gap
Looking for more ways to build a policy with you in mind? That's where Esurance's CoverageMyWay® steps in.
Using smart technology and complex algorithms, it remembers everything you tell it during your personalized quote in order to prioritize car insurance coverage options so you can choose what makes sense 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®.
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
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:
- 1994 Chevrolet Pickup (full size)
- 1997 Ford Pickup (full size)
- 1996 Honda Accord
- 1998 Honda Civic
- 1999 Dodge Pickup (full size)
- 1998 Chevrolet Pickup (small size)
- 2006 Chevrolet Impala
- 2013 Toyota Camry
- 1994 GMC Pickup (full size)
- 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.
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.