Buy Cheap Memphis, TN Auto Insurance (2021)

Memphis, TN auto insurance rates average $367 a month. Minimum auto insurance requirements in Memphis, Tennessee are 25/50/15 to comply with Tennessee laws. To buy cheap auto insurance in Memphis, TN, compare Memphis auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Memphis, TN are $367/month
  • Average auto insurance rates in Memphis, TN after a DUI are $5,596/year
  • The most expensive auto insurance company in Memphis is Allstate

Finding affordable Memphis, Tennessee auto insurance can be challenging, but everything you need to know to buy cheap Memphis, TN auto insurance with confidence is right here. Auto insurance rates in Memphis are affected by local factors as well as personal ones like your driving record.

See how Memphis, TN car insurance rates compare to Memphis auto insurance rates, Bartlett auto insurance rates, and Knoxville auto insurance rates before you read more about the cost of auto insurance in Memphis.

Don’t buy Memphis, TN auto insurance until you’ve compared rates. Get free Memphis, Tennessee auto insurance quotes when you enter your ZIP code above.

Memphis, TN Minimum Auto Insurance Requirements

The required auto insurance in Memphis, TN is 25/50/15 according to the auto insurance laws in Tennessee. The minimum auto insurance in Memphis, Tennessee is outlined here.

Minimum Required Auto Insurance Coverage in Memphis, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Memphis, TN Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Memphis, TN. Take a look at Memphis, Tennessee auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Memphis, Tennessee

Insurance Company Poor Fair Good
Allstate $8,098 $6,165 $4,683
Farmers $6,528 $5,115 $4,839
GEICO $4,556 $3,903 $3,590
Liberty Mutual $11,239 $6,892 $5,380
Nationwide $5,183 $4,122 $3,652
Progressive $5,199 $4,502 $4,213
State Farm $5,119 $3,065 $2,378
Travelers $4,724 $3,724 $2,700
USAA $4,697 $2,758 $2,277

Buy Cheap Memphis, TN Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Memphis, Tennessee auto insurance rates? Find out how car insurance rates in Memphis, TN are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Memphis, Tennessee

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,607 $3,453 $3,261 $3,385 $13,922 $15,133 $3,823 $3,937
Farmers $2,842 $2,896 $2,554 $2,818 $12,048 $12,908 $3,863 $4,023
GEICO $2,642 $2,660 $2,430 $2,430 $8,189 $8,310 $2,692 $2,778
Nationwide $2,714 $2,734 $2,423 $2,460 $7,709 $9,959 $3,140 $3,412
Progressive $2,368 $2,212 $1,933 $2,041 $10,696 $12,005 $2,824 $3,027
State Farm $2,116 $2,116 $1,920 $1,920 $6,625 $8,293 $2,397 $2,780
Travelers $2,329 $2,457 $2,127 $2,270 $6,851 $8,589 $2,484 $2,619
USAA $1,824 $1,862 $1,646 $1,652 $6,531 $7,482 $2,402 $2,555

Buy Cheap Memphis, TN Auto Insurance for Teen Drivers

Auto insurance for teenagers in Memphis can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Memphis, TN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Memphis, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,922 $15,133
Farmers $12,048 $12,908
GEICO $8,189 $8,310
Nationwide $7,709 $9,959
Progressive $10,696 $12,005
State Farm $6,625 $8,293
Travelers $6,851 $8,589
USAA $6,531 $7,482

Buy Cheap Memphis, TN Auto Insurance for Seniors

You can save on senior auto insurance rates in Memphis, Tennessee by comparing Memphis senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Memphis, TN here.

Annual Auto Insurance Rates for Senior Drivers in Memphis, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,261 $3,385
Farmers $2,554 $2,818
GEICO $2,430 $2,430
Nationwide $2,423 $2,460
Progressive $1,933 $2,041
State Farm $1,920 $1,920
Travelers $2,127 $2,270
USAA $1,646 $1,652

Find Cheap Auto Insurance Rates in Memphis, TN by Coverage Level

The amount of coverage you choose is a big factor in the cost of Memphis, Tennessee auto insurance. Compare Memphis, TN auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Memphis, Tennessee

Insurance Company Low Medium High
Allstate $5,996 $6,292 $6,658
Farmers $5,128 $5,462 $5,891
GEICO $3,784 $4,004 $4,262
Liberty Mutual $7,465 $7,834 $8,213
Nationwide $4,333 $4,229 $4,395
Progressive $4,236 $4,629 $5,050
State Farm $3,301 $3,540 $3,720
Travelers $3,472 $3,714 $3,961
USAA $3,124 $3,230 $3,379

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Find Cheap Memphis, TN Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Memphis. Compare auto insurance rates in Memphis, TN by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Memphis, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,315 $6,315
Farmers $5,494 $5,494
GEICO $3,988 $4,045
Liberty Mutual $7,837 $7,837
Nationwide $4,319 $4,319
Progressive $4,638 $4,638
State Farm $3,434 $3,607
Travelers $3,567 $3,864
USAA $3,151 $3,338

Find Cheap Memphis, TN Auto Insurance Rates by ZIP Code

Auto insurance rates in Memphis, Tennessee can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Memphis, TN to see how much where you live in Memphis affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Memphis, Tennessee

ZIP Code Average Annual Rates
38103 $4,838
38104 $4,929
38105 $4,981
38106 $4,938
38107 $5,006
38108 $4,985
38109 $4,975
38111 $5,030
38112 $5,091
38114 $4,981
38115 $5,021
38116 $5,040
38117 $4,449
38118 $5,099
38119 $4,392
38120 $4,491
38122 $5,020
38125 $4,602
38126 $5,050
38127 $5,028
38128 $5,071
38131 $5,040
38132 $5,069
38133 $4,419
38134 $4,570
38135 $4,310
38137 $4,314
38141 $4,883
38152 $4,921
38157 $4,761
38163 $4,853

Find Cheap Memphis, TN Auto Insurance Rates by Driving Record

Auto insurance rates in Memphis, Tennessee are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Memphis, TN, take a look at the average cost for various violations versus rates for a clean driving record in Memphis.

Annual Memphis, Tennessee Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,270 $6,305 $7,641 $6,045
Farmers $4,701 $5,788 $5,967 $5,520
GEICO $2,945 $3,915 $6,262 $2,945
Liberty Mutual $6,341 $9,180 $8,523 $7,304
Nationwide $3,724 $3,724 $5,640 $4,187
Progressive $4,082 $5,313 $4,352 $4,806
State Farm $3,200 $3,841 $3,521 $3,521
Travelers $2,989 $3,871 $4,305 $3,697
USAA $2,354 $3,542 $4,156 $2,925

Find Cheap Memphis, TN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Memphis, Tennessee is higher than for a clean driving record. You can buy auto insurance after a DUI in Memphis for less when you shop around and compare rates from multiple Memphis, TN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Memphis, Tennessee

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,641
Farmers $5,967
GEICO $6,262
Liberty Mutual $8,523
Nationwide $5,640
Progressive $4,352
State Farm $3,521
Travelers $4,305
USAA $4,156

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Winners by Category: Where to Buy Cheap Auto Insurance in Memphis, TN

Compare rates from the cheapest auto insurance companies in Memphis, TN for your needs. Take a look at how Memphis, Tennessee auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Memphis, Tennessee

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Find Cheap Memphis, Tennessee Auto Insurance Companies

If you’re looking for the cheapest Memphis, TN auto insurance companies overall, you can compare them here. Find the best price for Memphis, Tennessee car insurance by company.

Average Annual Auto Insurance Rates by Company in Memphis, Tennessee

Insurance Company Average Annual Rates
Allstate $6,315
Farmers $5,494
GEICO $4,017
Nationwide $4,319
Progressive $4,638
State Farm $3,521
Travelers $3,716
USAA $3,244

What affects Memphis, Tennessee auto insurance rates?

Local factors affect auto insurance rates in Memphis, TN, including traffic, theft statistics, and commute length. Take a look at the things that impact Memphis auto insurance rates.

Commute Times in Memphis

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Memphis, TN is 21.7 minutes according to City-Data.

Traffic in Memphis

How is traffic in Memphis, Tennessee? Inrix data shows that Memphis, TN traffic makes it the 626th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Memphis, TN

You can buy cheap Memphis, TN auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Memphis, Tennessee auto insurance quotes from top companies.

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