Below are recommendations for insurance coverage based on your area’s accident and insurance data. All DecisionData.org recommendations are based on Tennessee data and estimates. The best insurance options for you may vary based on your personal driving record and finances.
Accidents per Person
~24 per 1,000 people
~17 per 1,000 people
Should I get cheap car insurance in Tennessee?
Maybe not. Tennessee ranks #13 out of 51 for most accidents per person. This estimate suggests that cheap car insurance may not be a good idea based on the far above average rate of accidents. We recommend you avoid low-deductible plans and providers known for low premiums. See providers below for more help.
Accidents per Mile
~2.2 per million miles
~1.8 per million miles
How much liability coverage should I get?
Probably more than the minimum. Tennesseans drive an average of 11,045 per person in the state, which is above the national average of about 9,490. Whether due to long commutes, weather conditions, or bad roads, Tennesseans on average get in more accidents per mile driven. Consider your commute, and think about higher liability coverage.
Should I get comprehensive or liability-only insurance?
Consider comprehensive insurance, also known as standard insurance. Tennessee ranks 6th highest in the nation for uninsured drivers. Because there are far more uninsured drivers in Tennessee, you may want to choose comprehensive insurance, even if your car is paid for and can be replaced without financial strain.
Insurance Cost in Tennessee
Based on the data above, we estimate Tennessee is 44th out of 51 in affordability. Cheap insurance may be hard to come by, even with a good record.
Note on data bars above: The top of each red bar above is the highest value in any state, and the bottom is always 0.
Insurance Providers in Tennessee
|Provider||Benefit summary||Customer Rating||Purchase link|
|Geico||Low pricing, but sub-par service||[star rating=”3″]||View plans|
|Nationwide||The best coverage and satisfaction most customers can get; higher premiums||[star rating=”4″]||View plans|
|State Farm||Good customer service and repair handling; moderate premiums||[star rating=”3″]||View plans|
|USAA||Superior overall service and pricing – but only available to military members and their families||[star rating=”5″]||View plans|
|Progressive||High settlement values; low premiums; fair customer service||[star rating=”3″]||View plans|
|Allstate||Good appraisal process and car rental handling; higher-than-average price||[star rating=”3″]||View plans|
|esurance||No benefit above average – not recommended||[star rating=”2″]||View plans|
|Liberty Mutual||Slightly above average in all areas, very high premiums||[star rating=”3″]||View plans|
- Customer rating: 2015 U.S. Auto Claims Satisfaction Study | J.D. Power
- Pricing: Multiple quote comparisons, plus data from the California Dept. of Insurance