Best Pay-As-You-Go Auto Insurance in Tennessee (Top 10 Companies Ranked for 2024)
The top companies for best pay-as-you-go auto insurance in Tennessee are Progressive, AAA, and Root. Metromile has the cheapest usage-based auto insurance rates at $29/month, but Progressive, AAA, and Root have more comprehensive Tennessee insurance policies that include roadside assistance and more.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Aug 26, 2024
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Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 26, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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13,128 reviewsCompany Facts
Full Coverage in Tennessee
A.M. Best Rating
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13,128 reviews
2,934 reviewsCompany Facts
Full Coverage in Tennessee
A.M. Best Rating
Complaint Level
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2,934 reviews
791 reviewsCompany Facts
Full Coverage in Tennessee
A.M. Best Rating
Complaint Level
Pros & Cons
791 reviewsThe top companies for best pay-as-you-go auto insurance in Tennessee are offered by Progressive, AAA, and Root Insurance, these providers emerge as the top choice for the cheapest rates.
These three insurance companies deliver strong roadside assistance and reliable support, making them the top choice for usage-based auto insurance in Tennessee. Safe drivers also get additional discounts.
Our Top 10 Company Picks: Best Pay-As-You-Go Auto Insurance in Tennessee
Company Rank Safe Driver Discount A.M. Best Best For Jump to Pros/Cons
#1 30% A+ Policy Perks Progressive
#2 20% A Roadside Assistance AAA
#3 10% NR Customer Service Root
#4 10% A- Tech-Savvy Drivers Metromile
#5 10% A+ Infrequent Drivers Allstate
#6 40% A+ Accident Forgiveness Nationwide
#7 30% B Personalized Policies State Farm
#8 20% A Local Agents American Family
#9 30% A++ Multi-Policy Discount Geico
#10 10% A Usage-Based Discount Liberty Mutual
Check out our ranking of the top providers: Best Pay-As-You-Go Auto Insurance Companies. And keep reading to compare the pros and cons of pay-as-you-go-car insurance.
Protect your vehicle at the best prices by entering your ZIP code into our free auto insurance quote comparison tool above.
- Progressive offers the best pay-as-you-go auto insurance in Tennessee
- Metromile has the cheapest pay-as-you-go insurance for $29/mo
- Pay-as-you-go car insurance works best for low-mileage TN drivers
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#1 – Progressive: Top Overall Pick
Pros
- Snapshot Program: Progressive Snapshot lowers TN auto insurance rates by tracking and rewarding safe driving habits with discounts of up to 30%. Learn more in our Progressive Snapshot review.
- Comprehensive Policy Perks: Progressive pay-as-you-go auto insurance in Tennessee features flexible coverage and extra benefits.
- User-Friendly Mobile App: The intuitive mobile app simplifies managing pay-as-you-go auto insurance in Tennessee, providing easy access to policy details and claims.
Cons
- Mixed Reviews on Claims Processing: Tennessee pay-as-you-go auto insurance Reddit reviews report inconsistencies in the claims processing experience.
- Telematics Data Concerns: The Snapshot program’s use of telematics data might raise privacy concerns for some drivers considering switching to pay-as-you-go insurance in Tennessee.
#2 – AAA: Best for Roadside Assistance
Pros
- Top-Tier Roadside Assistance: AAA pay-as-you-go auto insurance in Tennessee includes exceptional roadside assistance, providing peace of mind for drivers on the go.
- Trusted Brand: AAA’s long-standing reputation adds reliability to their pay-as-you-go auto insurance offerings in Tennessee. Read our AAA review for a full review.
- Membership Discounts: AAA members enjoy discounts on travel and vacations while saving money on Tennessee car insurance.
Cons
- Membership Fee: AAA roadside assistance in Tennessee and discounts require a membership fee.
- Expensive Rates: On top of an annual fee, AAA pay-as-you-go insurance rates in Tennessee are the most expensive on this list at $65/month.
#3 – Root: Best Customer Service
Pros
- Excellent Customer Support: Root is known for its outstanding customer service, making pay-as-you-go auto insurance in TN easier to manage. Find out more in our Root review.
- User-Friendly App: The Root app provides seamless customer interactions, enhancing the experience for those opting for pay-as-you-go auto insurance in Tennessee.
- Safe Driving Rewards: Only safe drivers qualify for Root insurance, reducing overall Tennessee insurance rates for all drivers with a Root policy.
Cons
- Limited Physical Presence: Root’s strong online focus means fewer in-person service options for pay-as-you-go auto insurance in Tennessee.
- No High-Risk Coverage: Drivers with accidents or those who drive at night may not be eligible for Root car insurance in Tennessee.
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#4 – Metromile: Best for Tech-Savvy Drivers
Pros
- Advanced Technology Integration: Metromile’s tech-driven approach provides detailed tracking for pay-as-you-go insurance in Tennessee, which you can learn about in our Metromile review.
- Real-Time Monitoring: Tech-savvy drivers benefit from Metromile’s real-time monitoring, optimizing their pay-as-you-go auto insurance in Tennessee based on actual usage.
- Innovative App Features: Metromile’s app offers innovative features like trip tracking and expense reports, enhancing the experience for pay-as-you-go auto insurance in Tennessee.
Cons
- Learning Curve: The advanced technology may present a learning curve for some users, complicating pay-as-you-go auto insurance in Tennessee.
- Potential Privacy Concerns: Continuous monitoring might raise privacy concerns among some drivers opting for TN pay-as-you-go auto insurance.
#5 – Allstate: Best for Low-Mileage Drivers
Pros:
- Low-Mileage Discounts: Save up to 30% on Tennessee car insurance if you drive less than 10,000 miles per year.
- Multi-Vehicle Discounts: Insure more than one vehicle with Allstate and get 25% off Tennessee pay-as-you-go auto insurance.
- Flexible UBI: TN drivers can choose between Allstate Milewise, which only tracks mileage, or go for bigger discounts with Allstate Drivewise. See how much you can save in our Allstate Drivewise review.
Cons:
- Expensive Rates: Allstate pay-as-you-go auto insurance in Tennessee will be more expensive for high-mileage drivers or those who drive at night.
- Poor Customer Service: Tennessee auto insurance reviews of Allstate rank it below-average for customer satisfaction in the region.
#6 – Nationwide: Best for Safe Drivers
Pros:
- Accident Forgiveness: Tennessee drivers who remain claim-free won’t see their base rates go up after their first accident.
- Vanishing Deductibles: Safe drivers enjoy $50 off their deductible every year they avoid filing a TN auto insurance claim.
- Flexible UBI: In TN, choose between Nationwide SmartRide, which monitors driving habits, and SmartMiles, which tracks mileage only. Learn more in our Nationwide SmartMiles review.
Cons:
- Poor Customer Service: Nationwide ranks lower in customer and claims satisfaction than its competitors for usage-based auto insurance in Tennessee.
- Expensive Rates: Tennessee drivers will get cheaper pay-as-you-go insurance rates with other companies on this list.
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#7 – State Farm: Best for Personalized Policies
Pros
- Customizable Coverage: State Farm offers highly personalized policies, making pay-as-you-go auto insurance in Tennessee adaptable to individual needs.
- Dedicated Agents: The availability of dedicated agents helps tailor pay-as-you-go auto insurance in Tennessee to specific driver profiles. Find out more in our State Farm review.
- Flexible Payment Options: State Farm’s flexible payment plans allow for better management of pay-as-you-go auto insurance in Tennessee, suiting different financial situations.
Cons
- Higher Premiums: Personalized policies can sometimes result in higher premiums for pay-as-you-go auto insurance in Tennessee.
- Complex Policy Choices: The wide range of options may overwhelm some customers seeking straightforward pay-as-you-go auto insurance in Tennessee.
#8 – American Family: Best for Local Agents
Pros
- Local Agents: American Family has local agents who provide personalized service for pay-as-you-go auto insurance in Tennessee.
- Tailored Policies: Local agents in Tennessee offer customized pay-as-you-go auto insurance plans designed to fit individual requirements. For a complete list, read our American Family review.
- KnowYourDrive Discount: Avoid using your phone while driving to get a 10% discount on AmFam auto insurance in Tennessee.
Cons
- Higher Rates: The presence of local agents may contribute to higher operating costs, which can increase pay-as-you-go auto insurance rates in Tennessee.
- Inconsistent Service: Experiences vary by location, with drivers in some cities having complaints about Tennessee auto insurance customer service.
#9 – Geico: Best for Multi-Policies Discount
Pros
- Generous Multi-Policies Discount: Geico offers substantial discounts of up to 25% for bundling multiple policies with TN pay-as-you-go auto insurance.
- Affordable Rates: Known for competitive pricing, Geico provides affordable pay-as-you-go auto insurance in Tennessee averaging $48/month. Compare free quotes in our Geico review.
- Easy to Use: Geico’s website and mobile app make managing pay-as-you-go auto insurance in Tennessee and multiple policies straightforward.
Cons
- Poor Customer Service: Geico ranks below average for customer service and claims for pay-as-you-go auto insurance in Tennessee.
- Discount Restrictions: Not all customers may qualify for the multi-policies discount, limiting potential savings on pay-as-you-go insurance in Tennessee.
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#10 – Liberty Mutual: Best Usage-Based Discount
Pros
- Significant Savings Potential: Liberty Mutual offers substantial discounts for usage-based pay-as-you-go auto insurance in Tennessee, rewarding low-mileage drivers.
- Driving Behavior Insights: Their program provides insights into driving behavior, which can help lower rates for pay-as-you-go auto insurance in Tennessee.
- Customizable Discounts: Discounts tailored to driving habits make pay-as-you-go auto insurance in Tennessee more affordable. Discover additional details in our Liberty Mutual review.
Cons
- Strict Monitoring Requirements: The need for consistent monitoring to qualify for discounts may be seen as intrusive by some seeking pay-as-you-go auto insurance in Tennessee.
- Variable Savings: Savings from usage-based discounts can vary, potentially leading to less predictable costs for pay-as-you-go auto insurance in Tennessee.
Comparing Monthly Rates for TN Pay-As-You-Go Auto Insurance
This table compares monthly rates for auto insurance in Tennessee, showing costs for minimum and full coverage pay-as-you-go auto insurance.
Tennessee Pay-As-You-Go Auto Insurance Monthly Rates by Coverage Level & Provider
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| AAA | $65 | $129 |
| Allstate | $57 | $130 |
| American Family | $54 | $116 |
| Geico | $48 | $85 |
| Liberty Mutual | $62 | $112 |
| Metromile | $29 | $70 |
| Nationwide | $60 | $110 |
| Progressive | $55 | $120 |
| Root | $52 | $92 |
| State Farm | $50 | $88 |
Rates vary significantly, with Metromile offering the lowest minimum coverage rate at $29/month and cheapest full coverage at $70/month.
In Tennessee, pay-as-you-go auto insurance offers a modern and flexible approach to vehicle coverage. Pay-as-you-go car insurance isn’t like traditional Tennessee insurance.
Pay-as-you-go rates are based on driving habits or mileage, which is monitored by a mobile app or telematics device you install in your vehicle.Kristen Gryglik Licensed Insurance Agent
This type of insurance allows you to pay for coverage based on how much you drive, making it an ideal choice for those who drive infrequently or want to closely match their insurance costs with their driving habits.
Learn More: Cheap Usage-Based Auto Insurance
How to Get Lower Pay-As-You-Go Auto Insurance Rates
Understanding your discount options for pay-as-you-go auto insurance in Tennessee is the first step toward securing the best deal. By comparing auto insurance discounts across different providers, you can make an informed choice that aligns with your budget and coverage needs.
Explore top auto insurance discounts for pay-as-you-go plans from leading pay-as-you-go auto insurance companies in Tennessee. Save with options like low mileage, safe driver, good student, and multi-policy discounts.
Several other key factors can significantly impact your rates and coverage options. Understanding how vehicle type, location, coverage choices, and personal factors influence pay-as-you-go insurance rates will enable you to select a policy that not only fits your specific driving behavior and usage but also aligns with your financial situation.
- Vehicle Make and Model: Drive an older vehicle with a high safety rating to get lower car insurance rates.
- Location: Where you park your vehicle (e.g., in a garage, on the street, or in a driveway) can influence your insurance costs. (Read More: Best Garaging Auto Insurance Discounts)
- Coverage Options: Choosing minimum coverage can lower your premiums, but opting for full coverage provides greater protection.
- Personal Factors: Age and gender impact Tennessee auto insurance costs, with younger drivers, particularly males, often facing higher premiums due to statistically higher risk factors.
If you choose pay-as-you-go auto insurance in TN, remember to monitor and improve your credit score and maintain your safe driving habits to keep costs low.
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Case Studies: Pay-As-You-Go Coverage in Tennessee
Whether you’re an infrequent driver, managing multiple vehicles, or seeking discounts for safe driving, this flexible usage-based insurance model can be a game-changer:
- Case Study #1 – Infrequent Driver Saves Big With Progressive: John, a retired teacher who rarely drives, saved on insurance by choosing the Progressive Snapshot pay-as-you-go plan, which matched his low mileage with cost-effective coverage.
- Case Study #2 – Family with Multiple Vehicles Saves With Geico: The Smith family reduced their insurance costs by 15% and streamlined policy management by using Geico’s multi-policy discount and pay-as-you-go option to save auto insurance with three vehicles.
- Case Study #3 – Young Profession Gets Low Rates With AAA: Sarah in Nashville chose AAA’s pay-as-you-go insurance for its safe-driving discounts and membership perks she can use while traveling for work.
By examining how different insurance providers cater to a range of needs and utilizing available discounts, including multi-policy discounts, you can make a more informed decision.
This approach ensures that you select a policy that not only matches your unique driving habits but also aligns with your financial goals.
Top Pay-As-You-Go Auto Insurance Providers in Tennessee
For Tennessee drivers seeking flexible and cost-effective auto insurance, pay-as-you-go options offer an ideal solution. The leading providers include Progressive, AAA, and Root Insurance for comprehensive coverage with competitive rates.
Progressive stands out as the top choice for pay-as-you-go auto insurance in Tennessee, combining affordability with excellent policy perks and customer service.Justin Wright Licensed Insurance Agent
Progressive excels in overall affordability and policy perks, AAA is known for superior roadside assistance coverage, and Root shines for safe drivers without accidents or claims. Metromile has the cheapest pay-as-you-go car insurance rates, starting at $29/month.
To find the best coverage, compare quotes from multiple companies and consider factors like driving habits and vehicle type. Start saving on your auto insurance by entering your ZIP code below and comparing quotes.
Frequently Asked Questions
What should I look for when choosing the best pay-as-you-go auto insurance in Tennessee?
When choosing a pay-as-you-go auto insurance provider, consider factors such as the provider’s reputation, coverage options, customer service, and available discounts. Evaluate the rates based on your driving habits, review the provider’s claims process, and ensure they offer the necessary coverage for your needs.
Who has the cheapest auto insurance rates in Tennessee?
Metromile has cheap pay-as-you-go car insurance in Tennessee starting at $29/month. Compare quotes in our Metromile insurance review.
Can I switch from traditional to pay-as-you-go auto insurance in Tennessee?
Yes, you can switch from traditional auto insurance to a pay-as-you-go plan. It’s important to review your driving habits and coverage needs before making the switch. Contact your current insurer to cancel your existing policy and get quotes from providers that offer pay-as-you-go insurance to find the best fit for you.
At what age is auto insurance cheapest in Tennessee?
Auto insurance rates tend to be cheapest for drivers in their 30s and 40s. Younger drivers, particularly those under 25, generally face higher premiums due to their higher risk profile. As drivers age, their rates may decrease if they maintain a clean driving record. Compare auto insurance rates by age to learn more.
What are the benefits of pay-as-you-go auto insurance?
Pay-as-you-go auto insurance offers flexibility by allowing you to pay for coverage based on your actual driving habits. This can be ideal for infrequent drivers or those looking to closely match their insurance costs with their driving patterns. It often provides cost savings for those who drive less frequently. Enter your ZIP code below to find out if you can get a better deal.
What type of auto insurance is required in Tennessee?
Tennessee minimum requirements are $25,000 for bodily injury per person, $50,000 for total bodily injury per accident, and $15,000 for property damage. Additional coverage, such as uninsured motorist coverage and medical payments, is optional but recommended.
What factors influence pay-as-you-go auto insurance rates in Tennessee?
Pay-as-you-go auto insurance rates in Tennessee are influenced by factors such as your driving habits, the amount of mileage you drive, your vehicle type, your location, and your driving record. Providers assess these factors to tailor your premium to your actual usage. (Learn More: How Auto Insurance Companies Check Driving Records)
How can I save on pay-as-you-go auto insurance in Tennessee?
To save on pay-as-you-go auto insurance, compare quotes from multiple providers, take advantage of available discounts (such as for low mileage or safe driving), adjust your coverage levels, and consider increasing your deductible. Additionally, monitor and improve your credit score and look into usage-based insurance options.
Can you sue an uninsured driver in Tennessee?
Yes, you can sue an uninsured driver in Tennessee if you are involved in an accident with one. However, pursuing a lawsuit can be complex and may not guarantee compensation, especially if the uninsured driver has limited financial resources. It is advisable to have uninsured motorist coverage to help protect yourself in such situations.
Is Tennessee a no-fault insurance state?
No, Tennessee is not a no-fault insurance state. Tennessee follows a traditional fault-based system where the driver found at fault for an accident is responsible for covering damages. This means you can file a claim with the at-fault driver’s insurance or your own insurance if you have coverage for such incidents.
Find the best auto insurance company near you by entering your ZIP code into our free quote tool below.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
