- Strong Reputation – Nationwide’s strong reputation in Memphis is evident through its consistent reliability and high customer satisfaction, underscoring a commitment to excellence in every interaction, as mentioned in our Nationwide auto insurance review.
- Comprehensive Coverage: Offers a broad range of coverage options tailored to the needs of Memphis drivers.
- Customer Service: Known for excellent customer support, enhancing the overall experience for policyholders in Memphis.
Best Memphis, Tennessee Auto Insurance in 2024 (Compare the Top 10 Companies)
The best Memphis, Tennessee auto insurance options are State Farm, USAA, and Progressive. State Farm is the top pick overall with rates starting at $100 per month, offering the most reliable service. USAA excels with its military focus, while Progressive stands out for its competitive car insurance rates.
UPDATED: Aug 30, 2024Fact Checked
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Aug 30, 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 30, 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.
On This Page
UPDATED: Aug 30, 2024Fact Checked
Top Pick in Memphis TN: State Farm
17,760 reviewsCompany Facts
Full Coverage in Memphis Tennessee
$240/moA.M. Best Rating
BComplaint Level
LowPros & Cons
17,760 reviewsBest Memphis TN Military Focus: USAA
6,435 reviewsCompany Facts
Full Coverage in Memphis Tennessee
$230/moA.M. Best Rating
A+Complaint Level
LowPros & Cons
6,435 reviewsBest Memphis TN Rates: Progressive
13,128 reviewsCompany Facts
Full Coverage in Memphis Tennessee
$225/moA.M. Best Rating
A+Complaint Level
LowPros & Cons
13,128 reviews
Find the best Memphis, Tennessee auto insurance with State Farm offering top coverage at just $100. Get a quote now and secure affordable car insurance today.
The best Memphis, Tennessee auto insurance options are State Farm, USAA, and Progressive. State Farm is recognized for its reliable service, while USAA offers specialized benefits for veterans, and Progressive is noted for offering the most competitive rates.
Our Top 10 Company Picks: Best Memphis, Tennessee Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 10% B Reliable Service State Farm
#2 15% A++ Military Focus USAA
#3 19% A+ Competitive Rates Progressive
#4 12% A+ Extensive Discounts Allstate
#5 14% A Personalized Coverage Farmers
#6 17% A Flexible Policies Liberty Mutual
#7 12% A+ Strong Reputation Nationwide
#8 8% A++ Broad Coverage Travelers
#9 15% A+ Excellent Service Erie
#10 20% A++ Local Expertise Auto-Owners
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Together, these providers deliver exceptional options for affordable and comprehensive car insurance in Memphis. Understanding what are the benefits of auto insurance is crucial when choosing the right provider for comprehensive coverage.
Read More: Tennessee Auto Insurance
Affordable car insurance rates are just a click away. Enter your ZIP code into our free quote tool above to find the best policy for you.
Things to Remember
- State Farm offers the best customer service for Memphis, Tennessee auto insurance
- State Farm is highly rated for its tailored coverage options in Memphis
- State Farm provides competitive rates, starting at $100
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#1 – State Farm: Top Overall Pick
#2 – USAA: Best for Military Focus
Pros:
- Tailored Coverage: USAA offers customized auto insurance options designed specifically for military members and veterans, making it ideal for the best Memphis, Tennessee auto insurance.
- Military Focus: USAA emphasizes its military focus in Memphis, offering tailored services and benefits that reflect a strong commitment to serving military members and their families, as detailed in our USAA auto insurance review.
- Exclusive Discounts: Provides exclusive discounts for active duty, veterans, and their families, enhancing the value of the best Memphis, Tennessee auto insurance.
Cons:
- Restricted Eligibility: Only available to military members, veterans, and their families, limiting access for general Memphis residents seeking the best Memphis, Tennessee auto insurance.
- Limited Local Offices: Fewer physical locations in Memphis may make in-person consultations less convenient for those looking for the best Memphis, Tennessee auto insurance.
#3 – Progressive: Best for Competitive Rates
Pros:
- Affordable Premiums: Progressive offers some of the lowest rates for the best Memphis, Tennessee auto insurance, making it a budget-friendly choice.
- Customizable Coverage: The company provides flexible policy options that can be tailored to meet the unique needs of drivers in Memphis.
- Competitive Rates: Progressive spotlights its competitive rates, demonstrating an affordable option for those seeking the best Memphis, Tennessee auto insurance, as featured in our Progressive auto insurance review.
Cons:
- Limited Local Agents: Progressive may have fewer local agents in Memphis, Tennessee, which can be a drawback for those preferring in-person service.
- Potential Rate Increases: Some customers in Memphis have reported rate increases after claims, which could affect affordability in the long term.
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#4 – Allstate: Best for Extensive Discounts
Pros:
- Extensive Discounts: Allstate spotlights its extensive discounts, flaunting a variety of savings opportunities that demonstrate its commitment to offering the best Memphis, Tennessee auto insurance rates, as covered in our Allstate auto insurance review.
- Flexible Coverage Options: Provides customizable policies to suit the specific needs of Memphis drivers.
- Safe Driving Rewards: In Memphis, Allstate rewards safe driving with bonus discounts, making coverage more affordable for careful drivers.
Cons:
- Higher Premiums for Some Drivers: Allstate’s premiums can be higher for drivers with less-than-perfect records in Memphis, potentially impacting affordability.
- Mixed Customer Service Reviews: Some customers in Memphis report inconsistent experiences with customer support.
#5 – Farmers: Best for Personalized Coverage
Pros:
- Local Expertise: Offers tailored coverage options that reflect the unique requirements of residents in Memphis, Tennessee.
- Flexible Discounts: Farmers offers a range of discounts in Memphis to help lower costs while maintaining comprehensive coverage.
- Personalized Coverage: Farmers spotlights its commitment to offering personalized coverage options, featuring tailored plans that manifest the best Memphis, Tennessee auto insurance solutions, as showcased in our Farmers auto insurance review.
Cons:
- Higher Premiums: Personalized coverage may result in higher premiums compared to some competitors for the best Memphis, Tennessee auto insurance.
- Limited Online Tools: Farmers’ online tools may not be as extensive or user-friendly as those of other providers, affecting ease of management.
#6 – Liberty Mutual: Best for Flexible Policies
Pros:
- Customizable Coverage: Liberty Mutual offers flexible policies tailored to the best Memphis, Tennessee auto insurance needs.
- Flexible Policies: Liberty Mutual excels in offering flexible policies that highlight a strong commitment to meeting diverse customer needs for the best Memphis, Tennessee auto insurance, as demonstrated in our Liberty Mutual auto insurance review.
- Wide Range of Discounts: In Memphis, Liberty Mutual offers multiple discounts, such as for bundling and safe driving, to boost affordability.
Cons:
- Higher Premiums: Premiums can be higher compared to other providers for the best Memphis, Tennessee auto insurance.
- Customer Service Variability: In Memphis, some customers report inconsistent service, which could affect overall satisfaction.
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#7 – Nationwide: Best for Strong Reputation
Pros:
Cons:
- Higher Premiums: Some customers may find Nationwide’s premiums higher compared to other providers for the best Memphis, Tennessee auto insurance.
- Limited Discounts: In Memphis, fewer discount opportunities may be available compared to competitors, impacting overall affordability.
#8 – Travelers: Best for Broad Coverage
Pros:
#9 – Erie Insurance: Best for Excellent Service
Pros:
- Excellent Service: Erie Insurance spotlights its exceptional service in Memphis, demonstrating a commitment to customer satisfaction with highly-rated support. as noted in our Erie auto insurance review.
- Comprehensive Coverage Options: Offers a wide range of coverage options tailored to the needs of Memphis drivers.
- High Satisfaction Ratings: Consistently ranks high in Memphis for customer satisfaction and claims handling.
Cons:
- Limited Availability: Erie Insurance may not be as widely available in all areas of Memphis, potentially limiting options.
- Higher Premiums: Premiums may be higher than those of some competitors in Memphis, potentially impacting affordability for certain drivers.
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#10 – Auto-Owners: Best for Local Expertise
Pros:
- Local Expertise: Auto-Owners showcases its local expertise in Memphis, highlighting a deep understanding of local needs and offering personalized service, as presented in our Auto-Owners auto insurance review.
- Personalized Service: Provides personalized customer service tailored to the Memphis area.
- Comprehensive Coverage: Offers a broad range of coverage options suitable for Memphis drivers.
Cons:
- Higher Premiums: Auto-Owners’ premiums may be higher compared to other options for the best Memphis, Tennessee auto insurance.
- Limited Discounts: Fewer discount opportunities in Memphis compared to some competitors, which may impact overall affordability.
Minimum Auto Insurance in Memphis, Tennessee
Understanding what is auto insurance is an important information that every drivers should know. In Memphis, Tennessee, drivers are legally required to carry minimum auto insurance, including liability coverage for bodily injury and property damage, to ensure both their protection and that of others involved.
Memphis, Tennessee Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $105 | $250 |
| Auto-Owners | $120 | $260 |
| Erie | $95 | $220 |
| Farmers | $110 | $265 |
| Liberty Mutual | $100 | $245 |
| Nationwide | $98 | $235 |
| Progressive | $95 | $225 |
| State Farm | $100 | $240 |
| Travelers | $105 | $240 |
| USAA | $90 | $230 |
While these minimum requirements offer basic coverage, they may fall short in serious accidents. To better protect themselves from unforeseen expenses, drivers should consider purchasing additional coverage.
Best Memphis, Tennessee Auto Insurance by Credit History
When evaluating the best Memphis, Tennessee auto insurance, credit history plays a significant role in determining rates. Insurers often offer lower premiums to those with strong credit scores, as it indicates responsible financial behavior.
State Farm delivers the best Memphis, Tennessee auto insurance with its attractive pricing and comprehensive coverage options.Daniel Walker Licensed Insurance Agent
Comparing quotes based on credit history helps identify the most affordable options. It’s essential to consider credit when choosing the right policy.
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Best Memphis, Tennessee Auto Insurance by Driving Record
The best Memphis, Tennessee auto insurance options are significantly influenced by your driving record. Insurance providers often assess your history of accidents and violations to determine premiums.
A clean driving record can lead to lower rates and a full coverage auto insurance. To find the best Memphis, Tennessee auto insurance, maintaining a good driving record is crucial for securing the most favorable terms and rates.
Best Memphis, Tennessee Auto Insurance Rates by ZIP Code
Auto insurance rates in Memphis, Tennessee vary by ZIP code due to factors like local crime rates and accident statistics. Areas with higher risk may experience increased premiums, while safer neighborhoods often have lower rates.
State Farm is the top choice for the best Memphis, Tennessee auto insurance, offering unmatched local service and competitive rates.Michelle Robbins Licensed Insurance Agent
To find the best Memphis, Tennessee auto insurance, it’s crucial to consider how auto insurance rates by ZIP code can affect your overall premium. Understanding these geographic differences can help you secure the most affordable and suitable coverage for your needs.
Best Memphis, Tennessee Auto Insurance Rates by Commute
When evaluating the best Memphis, Tennessee auto insurance rates by commute, longer daily drives typically lead to higher premiums due to increased risk on the road.
Explore how different commute lengths impact auto insurance rates in Memphis, Tennessee, revealing the best options for every driving distance.
However, many providers offer discounts for shorter commutes or low annual mileage, helping to reduce overall costs. Comparing quotes based on your specific commute can help identify the most affordable options tailored to your driving habits.
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The Best Memphis, Tennessee Auto Insurance Companies
Finding the best Memphis, Tennessee auto insurance companies involves evaluating providers that offer top-notch coverage and competitive rates.
These companies stand out for their comprehensive policies, excellent customer service, and favorable claims handling.
To secure the best Memphis, Tennessee auto insurance, it’s crucial to compare these leading providers to ensure you get the most value and protection for your needs.
What affects auto insurance rates in Memphis, Tennessee?
In Memphis, Tennessee, auto insurance rates are influenced by various factors, including the driver’s age, driving record, and vehicle type. Local crime rates and weather conditions also impact premiums.
When seeking the best Memphis, Tennessee auto insurance, understanding what are the factors that affect auto insurance rates affect costs is essential for finding the most suitable and affordable policy.
Ready to shop around for the best car insurance company? Enter your ZIP code below and see which one offers the coverage you need.
Frequently Asked Questions
What is the best auto insurance in Memphis, Tennessee?
The best Memphis, Tennessee auto insurance is often provided by State Farm, known for its attractive pricing, comprehensive coverage, and reliable service.
Get the car insurance at the best price — enter your ZIP code below to shop for right coverage from the top insurers.
How much is car insurance in Memphis, TN?
Car insurance in Memphis, TN, varies based on factors like coverage level, driving history, and vehicle type, with rates typically ranging from $1,200 to $1,800 annually.
What kind of car insurance do I need in Tennessee?
In Tennessee, you need liability insurance that meets state minimums, but the best Memphis, Tennessee auto insurance also includes comprehensive and collision coverage for added protection.
To learn more, explore our comprehensive resource on commercial auto insurance titled “Bodily Injury Liability (BIL) Auto Insurance Defined”
Which company gives the best insurance in Memphis, Tennessee?
State Farm is often highlighted as offering the best Memphis, Tennessee auto insurance due to its competitive rates, extensive discounts, and excellent customer service.
What is the minimum insurance in Tennessee?
The minimum insurance required in Tennessee includes $25,000 for bodily injury per person, $50,000 per accident, and $15,000 for property damage.
Do I need proof of insurance to register a car in Tennessee?
Yes, you need proof of insurance to register a car in Tennessee, and this should meet or exceed the state’s minimum liability coverage requirements.
To delve deeper, refer to our in-depth report titled “Minimum Auto Insurance Requirements by State.”
What is full coverage insurance in Tennessee?
Full coverage insurance in Tennessee includes liability, collision, and comprehensive coverage, ensuring protection against a wide range of potential damages and accidents.
By entering your ZIP code below, you can get instant car insurance quotes from top providers.
What happens if you get in an accident without insurance in Tennessee?
If you get in an accident without insurance in Tennessee, you could face fines, suspension of your driver’s license, and be held financially responsible for damages.
What is the best car insurance coverage to have in Memphis, Tennessee?
The best auto insurance coverage in Memphis, Tennessee, typically includes full coverage with liability, collision, and comprehensive insurance, often provided by State Farm.
Is car insurance expensive in Tennessee?
Car insurance in Tennessee is moderately priced, though rates can vary widely depending on the provider, coverage level, and individual circumstances.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.
