Temporary Car Insurance in Tennessee

The Zebra
Jan. 18, 2019

If you are looking for some flexibility with your car insurance, you could be considering a short-term car insurance contract. But short-term auto insurance agreements are rare for a few reasons.

Firstly, major companies do not offer contract terms for periods shorter than six months. As car insurance is legally required in every state but one, there's some risk associated with swapping policies every month. Additionally, you risk having gaps in your auto insurance record by making abrupt moves between policies, leading to more expensive prices in the long run.

There's some good news: car insurance contracts typically last for just six months. This allows car insurance companies to frequently “re-rate” — or re-price — the premium using your recent driving history and demographic profile.

The end of a policy period also serves as the perfect opportunity to reassess your insurance and considering other insurers. Retrieving prices via The Zebra is easy and complimentary, and there is no penalty for swapping insurance companies when your policy period ends — or even mid-term, as long as you don't let your insurance lapse.


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Car insurance's flexible nature makes it easy to acquire quickly. If you require a policy before you can drive your new vehicle off the lot, attempting to get coverage for a relatively long-term rental, or searching for coverage for a car you don't own but drive regularly, think about purchasing a standard policy and cutting the agreement short as needed.

See below typical car insurance rates in Tennessee, organized by popular companies and the most populous cities. If your bills exceed what you see below, consider shopping around.


SHORT-TERM CAR INSURANCE RATES IN TENNESSEE — BY INSURANCE COMPANY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Tennessee State Average — All Companies$658$110
Tennessee Farmers$494$82
USAA$546$91
Erie$515$86
GEICO$566$94
Mountain Laurel Assurance Company$603$100

The cheapest option for temporary auto insurance in Tennessee is Tennessee Farmers, which can save you $9 per month, compared to the second-cheapest choice, USAA. In Tennessee, the average monthly price of car insurance is $110, or $658 over a six-month period.

The place in which you live can have as great an influence on your auto insurance premiums as the insurance company you choose. Car insurers take into account the number of local insurance claims when assigning rates by ZIP. Check out insurance premiums in the biggest cities in Tennessee and compare them to the amount you pay.


TEMPORARY AUTO INSURANCE RATES IN TENNESSEE — BY CITY
Insurance CompanyAverage 6-Month RateAverage Monthly Rate
Memphis$738$123
Nashville$595$99
Knoxville$603$101
Chattanooga$569$94
Clarksville$591$99

If your premiums don't match those listed above, consider comparing quotes from other companies. The short-term timetable of a car insurance policy enhances the importance of remaining informed and ready to shop.

Learn more about temporary car insurance or use our search function to compare policies today.


Additional resources

Learn more about weekend-only car insurance.

Is it possible to get car insurance with no credit history?

Find cheap auto insurance for new drivers.

Check out the best car insurance options for teen drivers.


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