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memphis car insurance

From BBQ to blues music, Memphis is a modern metropolis with a rich history. Whether you love the glitz and glamour of Graceland, a sunset walk along the banks of the Mississippi, or some incredible down-home dining, there's something for everyone in Bluff City.

We've got a little something for everyone here at Esurance too. With round-the-clock customer service and an A+ ("Superior") financial stability rating from A.M. Best*, we provide car insurance all Memphians can depend on. Get a personalized Memphis auto insurance quote and discover why Esurance is the smart choice for reliable coverage.

memphis car insurance discounts

Our wealth of discount options will have you dancing down Beale Street. Some of the easy opportunities to save cash on your car insurance include:

Paid-in-Full discount

You can earn this major money-saver just by paying your entire 6-month premium in one fell swoop. Simple as that!

Homeowners discount

Score savings automatically just for being a Memphis homeowner! Sounds like a win-win to us!

Fast 5® discount

Another easy one to snag — you can get this discount automatically, simply by starting your car insurance quote online.

Multi-Car discount

Insure more than one vehicle on the same Esurance policy and you could stand to save.

And there're much more Tennessee savings to be had! If you already have an Esurance policy and have questions about discounts (or anything else), feel free to give us a call at 1-800-ESURANCE (1-800-378-7262).

let CoverageMyWay® go to work for you

CoverageMyWay helps remove much of the guesswork when it comes to buying car insurance. Our super-smart technology remembers everything you tell it during your online quote to personalize coverage options (and make the insurance process easier, faster, and tailored to you).

required coverages in memphis

All Volunteer State residents must carry basic liability coverage, which can help pay for the other driver's medical bills and property damage expenses (up to the limits you choose on your policy) if you cause an accident. Memphians must carry at least the following coverages and minimum limits:

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

These are often expressed as 25/50/15. You can always choose higher limits when you're getting a quote (or pretty much any time during your Esurance policy term).

optional coverages

You might be left singing the blues if you overlook additional coverages that provide extra financial protection if life ever takes a turn for the worse. Here's a sampling:

Medical payments

If you or your passengers are injured in an accident — regardless of fault — this coverage can help pay for hospital bills and other accident-related medical expenses up to the limits on your policy.

Uninsured motorist

This coverage can help pay for medical bills and property damage expenses if you're ever involved in an accident with an uninsured driver.

Comprehensive and collision

While comprehensive can help safeguard you against hazards you can't control (theft, vandalism, a run-in with a deer, etc.), collision can help pay to fix up or replace your ride if you damage it in an accident that you cause.

And that's just a start! You can explore even more coverage options by giving us a ring at 1-800-ESURANCE (1-800-378-7262), or by visiting our car insurance coverage page. We're here to help 24/7.

e-star® repair shops in river city

At Esurance, we know you want your life to return to normal as quickly as possible after a car accident. That's why we work with a huge network of reliable repair shops in the Memphis area that offer guaranteed accident-related repairs for the entire time you own your vehicle.

Plus, our convenient RepairView® tool provides you with daily photos of your ride's progress in the shop, so you can have peace of mind knowing it's in the best of hands. Here are a few listings in your neck of the woods.

ABRA Auto Body & Glass — Covington Pike
2419 Covington Pike
Phone: 901-377-4800

ABRA Auto Body & Glass — Mount Moriah
5680 Mount Moriah Rd.
Phone: 901-794-7218

ABRA Auto Body & Glass — Patriot Drive
7980 Patriot Dr.
Phone: 901-756-9095

Lou's Auto Body CARSTAR
3940 S. 13th St.
Phone: 414-481-9449

Greenfield Auto Body CARSTAR
4739 S. 27th St.
Phone: 414-282-8580

Goff's Collision Repair Center
11330 W. Lincoln Ave.
Phone: 414-327-7100

Still not seeing something in your neighborhood? Worry not — this is a mere sampling! You can find the closest E-Star garage simply by entering your ZIP Code.

memphis driving: stats and facts

Keep an eye on your ride

Memphis had about twice the number of car thefts as Nashville in 2012 — despite their populations being similar in size. According to statistics from the FBI, Memphis saw nearly 3,000 auto thefts compared to Nashville's 1,431.

The good news is that the Memphis Police Department reported an 8.7 percent decline in the number of car thefts in 2013 and they continue to implement crime-fighting initiatives through the city. Still, it's wise to invest in comprehensive coverage, which helps protect your ride from theft, vandalism, and much more.

Distracted driving in Shelby County

According to info from the Tennessee Department of Safety and Homeland Security, Shelby County (home to Memphis and smaller surrounding cities) saw more than 5,200 crashes related to distracted driving in 2013 alone. That's significantly higher than any other county in the state, with Davidson County coming in second at 1,853.

Fortunately, medical payments coverage and uninsured motorist coverage can help protect you and your passengers financially if you're ever involved in an accident with a distracted driver.

Related links

Your guide to animal-related accidents
Learn more about what to do if you have an unfortunate run-in with an animal and how your auto coverage can help protect you and your ride.

Nashville auto insurance
Esurance aims to offer motorists in Nashville dependable coverage and affordable car insurance rates.

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.