Buy Cheap Memphis, TX Auto Insurance (2021)

Memphis, TX auto insurance rates average $322 a month. Minimum auto insurance requirements in Memphis, Texas are 30/60/25 to comply with Texas laws. To buy cheap auto insurance in Memphis, TX, 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, TX for teens drivers are $6,594/year
  • Average auto insurance rates in Memphis, TX after a DUI are $4,364/year
  • The most expensive auto insurance company in Memphis after a DUI is Allstate

Finding affordable Memphis, Texas auto insurance can be challenging, but everything you need to know to buy cheap Memphis, TX 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, TX car insurance rates compare to El Paso auto insurance rates, Plano auto insurance rates, and Dallas auto insurance rates before you read more about the cost of auto insurance in Memphis.

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

Memphis, TX Minimum Auto Insurance Requirements

The required auto insurance in Memphis, TX is 30/60/25 according to the auto insurance laws in Texas. The minimum auto insurance in Memphis, Texas is outlined here.

Minimum Required Auto Insurance Coverage in Memphis, Texas

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Find Cheap Memphis, TX Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Memphis, Texas

Insurance Company Poor Fair Good
Allstate $6,832 $5,001 $4,272
American Family $7,694 $4,558 $3,949
GEICO $4,866 $2,758 $1,842
Nationwide $4,439 $3,548 $3,088
Progressive $5,136 $4,364 $4,017
State Farm $3,673 $2,280 $1,814
USAA $3,528 $1,968 $1,564

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

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

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

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 $3,514 $3,571 $3,472 $3,472 $8,992 $10,944 $4,375 $4,605
American Family $3,670 $4,011 $3,125 $3,524 $7,863 $10,463 $4,935 $5,611
GEICO $2,431 $2,557 $2,218 $2,410 $5,015 $5,280 $2,634 $2,696
Nationwide $2,341 $2,391 $2,064 $2,196 $6,476 $8,367 $2,732 $2,967
Progressive $2,522 $2,446 $2,208 $2,270 $9,680 $10,805 $3,014 $3,100
State Farm $1,875 $1,875 $1,652 $1,652 $4,220 $5,331 $2,020 $2,088
USAA $1,558 $1,606 $1,464 $1,501 $3,909 $4,372 $2,090 $2,325

Buy Cheap Memphis, TX 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, TX are listed here.

Annual Auto Insurance Rates for Teen Drivers in Memphis, Texas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,992 $10,944
American Family $7,863 $10,463
GEICO $5,015 $5,280
Nationwide $6,476 $8,367
Progressive $9,680 $10,805
State Farm $4,220 $5,331
USAA $3,909 $4,372

Buy Cheap Memphis, TX Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Memphis, Texas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,472 $3,472
American Family $3,125 $3,524
GEICO $2,218 $2,410
Nationwide $2,064 $2,196
Progressive $2,208 $2,270
State Farm $1,652 $1,652
USAA $1,464 $1,501

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

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

Annual Auto Insurance Rates by Coverage Level in Memphis, Texas

Insurance Company Low Medium High
Allstate $5,284 $5,337 $5,484
American Family $5,162 $5,278 $5,760
GEICO $3,058 $3,136 $3,271
Nationwide $4,001 $3,530 $3,544
Progressive $4,340 $4,489 $4,689
State Farm $2,473 $2,582 $2,712
USAA $2,300 $2,347 $2,412

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Find Cheap Memphis, TX 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, TX by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Memphis, Texas

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,248 $5,488
American Family $5,400 $5,400
GEICO $3,086 $3,224
Nationwide $3,692 $3,692
Progressive $4,506 $4,506
State Farm $2,589 $2,589
USAA $2,322 $2,384

Find Cheap Memphis, TX Auto Insurance Rates by Driving Record

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

Annual Memphis, Texas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,253 $6,352 $6,615 $4,253
American Family $4,966 $6,210 $5,460 $4,966
GEICO $2,678 $3,442 $3,023 $3,477
Nationwide $3,194 $3,194 $4,763 $3,616
Progressive $3,938 $5,008 $4,617 $4,461
State Farm $2,329 $2,634 $3,064 $2,329
USAA $1,787 $2,568 $3,006 $2,051

Find Cheap Memphis, TX Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Memphis, Texas 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, TX auto insurance companies.

Annual Auto Insurance Rates After a DUI in Memphis, Texas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,615
American Family $5,460
GEICO $3,023
Nationwide $4,763
Progressive $4,617
State Farm $3,064
USAA $3,006

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

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

Best Annual Auto Insurance Rates by Company in Memphis, Texas

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

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Find Cheap Memphis, Texas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Memphis, Texas

Insurance Company Average Annual Rates
Allstate $5,368
American Family $5,400
GEICO $3,155
Nationwide $3,692
Progressive $4,506
State Farm $2,589
USAA $2,353

What affects Memphis, Texas auto insurance rates?

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

Auto Theft in Memphis

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Memphis, TX auto theft show a total of 5 vehicle thefts annually.

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, TX is 16.5 minutes according to City-Data.

Traffic in Memphis

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

Compare Auto Insurance Quotes in Memphis, TX

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

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