Car Insurance for Good Drivers in Tennessee

The Zebra
July 15, 2019

Car insurance for good drivers in Tennessee

Some of the factors that contribute to your car insurance rates lie beyond your control: your age, location, and gender are typical rating factors over which you don’t have much say. There are, however, factors you can more easily alter in pursuit of lower rates.

If you're looking for affordable car insurance, try to keep your driving record cleaen, your credit score high, and your monthly mileage low. Car insurance companies offer lower rates to drivers who pose the least risk, so exhibiting low-risk driving and lifestyle behaviors can lead to a price cut.

See below rates from top companies for low-risk drivers in Tennessee.

Auto insurance rates for drivers with no citations in Tennessee

One of the easiest ways to pay less for car insurance is to maintain a good driving record. Insurers view good drivers as less risky customers and assign them more affordable rates. Staying on the good side of the law is a great way to cut your costs.

If you're citation-free, start your insurance comparison journey with Penn National, with average annual premiums of $780. That comes out to $562less than the average car insurance rate for drivers without driving violations in Tennessee.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITHOUT VIOLATIONS IN TENNESSEE
Insurance CompanyAvg. Annual Auto Insurance Rate
Penn National$780
Utica National Ins Group$933
Direct General Insurance$1,059
Erie$1,069
USAA$1,098
State Farm$1,130
Westfield$1,217
Tennessee Farmers$1,281

Auto insurance rates for drivers with above-average credit scores in Tennessee

Auto insurance companies reward clients who maintain a solid credit profile. Car insurance companies see drivers with good, very good, or excellent credit scores as financially responsible and more likely to file claims or miss payments.

If your credit score sits within the "good" tier, your top option for car insurance in Tennessee could be Penn National, providing an average rate of $780. If your credit score is even better (in the "excellent" range), Penn National might be a smart place to start your search. Penn National's prices for clients who have credit scores of 800 or better are $586 per year cheaper than average rates for drivers with excellent credit in Tennessee.

Find below a breakdown of auto insurance rates in Tennessee for drivers with good, very good, and excellent credit scores.

CHEAP CAR INSURANCE COMPANIES FOR DRIVERS WITH GOOD CREDIT IN TENNESSEE
Insurance CompanyAvg. Annual Auto Insurance Rate
Penn National$780
Utica National Ins Group$933
Direct General Insurance$1,059
Erie$1,069
USAA$1,098
State Farm$1,130
Westfield$1,217
Tennessee Farmers$1,281

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH VERY GOOD CREDIT IN TENNESSEE
Insurance CompanyAvg. Annual Auto Insurance Rate
Penn National$673
Utica National Ins Group$933
Erie$948
State Farm$1,000
Direct General Insurance$1,019
USAA$1,035
Westfield$1,116
Progressive$1,127

AFFORDABLE CAR INSURANCE COMPANIES FOR DRIVERS WITH EXCELLENT CREDIT IN TENNESSEE
Insurance CompanyAvg. Annual Auto Insurance Rate
Penn National$582
State Farm$887
Erie$896
Utica National Ins Group$920
USAA$947
Progressive$979
Direct General Insurance$992
Westfield$1,039

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Auto insurance for low-mileage drivers in Tennessee

The fewer miles you drive, the less likely you are to file an insurance claim. That’s the logic auto insurance companies use to charge infrequent drivers lower premiums. If you stay under the threshold of 7,500 miles per year or fewer, you could save money on car insurance. By how much you can cut your premiums by driving less often comes down to your insurance company's pricing practices.

If you're a Tennessee driver who doesn't rack up major mileage, consider Penn National, which offers average annual savings of $630 for low-mileage customers.

AFFORDABLE CAR INSURANCE COMPANIES FOR LOW-MILEAGE DRIVERS (<7,500 MILES/YEAR) IN TENNESSEE
Insurance CompanyAvg. Annual Auto Insurance Rate
Penn National$712
Erie$915
Utica National Ins Group$933
USAA$948
State Farm$1,026
Direct General Insurance$1,059
Westfield$1,217
Tennessee Farmers$1,281

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Good driver insurance rates in Tennessee — in major cities

Auto insurance rates don't depend only on the state in which a driver resides — their city matters, too. Insurance companies rate policies by the driver’s home ZIP code, adjusting rates for the risk presented by specific locations.

Find below a summary of car insurance rates for drivers with positive rating factors in the biggest cities in every state.

CityAvg. Rate — No IncidentsAvg. Rate — Good CreditAvg. Rate — Very Good CreditAvg. Rate — Excellent CreditAvg. Rate — Low Mileage
Murfreesboro$1,291$1,291$1,184$1,088$1,238
Chattanooga$1,349$1,349$1,239$1,140$1,288
Knoxville$1,360$1,360$1,249$1,149$1,303
Clarksville$1,369$1,369$1,256$1,154$1,294
Memphis$1,687$1,687$1,545$1,418$1,584

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