Best Cheap Car Insurance Companies for High-Risk Drivers in Tennessee

Insurers charge drivers with a history of serious violations and inexperienced teenage drivers higher car insurance premiums due to their likelihood of filing a claim. Tennessee drivers with violations and young drivers should compare quotes from various insurance companies to secure the best insurance rates.

State Farm is the best insurer in Tennessee for high-risk drivers and one that offers quality service and affordable car insurance rates. Based on our findings, it provides the cheapest high-risk auto insurance in the state. The average high-risk policyholder pays $843 per year, though your specific driver's profile will determine your rate.

High-risk drivers, such as those with tickets, DUI convictions, at-fault accidents, lapses in coverage or young drivers with little experience behind the wheel, may find it more challenging to obtain affordable car insurance.

Insurance for high-risk drivers tends to be costlier than for safe drivers because car insurance companies calculate your rate based on your risk level. The higher your chances of filing a claim, the higher your insurance premium. For example, if you are a high-risk driver in Tennessee, your auto insurance will cost 25% more than insurance for the average driver.

MoneyGeek found State Farm to be Tennessee’s cheapest insurer for high-risk drivers. The average cost of a State Farm policy for high-risk drivers is $843 per year. By reading MoneyGeek's comprehensive review of State Farm's car insurance, you can learn more about its coverage, costs and benefits.

MoneyGeek ranks State Farm as the top high-risk auto insurance provider in Tennessee, with a score of 92 out of 100. Learn more about State Farm's average rates, customer service and coverage in our State Farm review.

Second in the state is Erie, which scored 84 out of 100. Compared to State Farm, its average annual premium is a bit higher. Check out MoneyGeek's review of Erie to learn more about the insurer's features.

Based on MoneyGeek's study, State Farm provides Tennessee’s cheapest car insurance for people with DUI convictions. The average annual cost of coverage is $820. We summarize the benefits and coverage options of State Farm auto insurance in our review.

USAA also offers high-risk car insurance to military members with DUIs in the state at affordable rates.

According to MoneyGeek, State Farm is the cheapest high-risk insurer for teenage drivers in Tennessee. The average annual cost for teen drivers is $3,405, but actual rates may vary based on their specific age. Our review of State Farm provides more information about the insurer.

MoneyGeek’s study found that GEICO offers high-risk drivers with bad credit the lowest car insurance rates. The average cost of coverage for those with poor credit is $1,196, 37% higher than the $754 for drivers with good credit pay. MoneyGeek’s GEICO review provides further insight into the company.

Insurance providers consider several factors when calculating car insurance rates, such as driving history and profile. For example, you will pay a higher premium if you are classified as a high-risk driver.

High-risk drivers typically pay $1,207 per year for auto insurance, while drivers with clean records pay $888, a difference of $318 per year.

With our auto insurance calculator, high-risk drivers in Tennessee can customize quotes using variables such as their age, driving record and coverage level. Additionally, you can use our tool to identify the factors that influence your rates.

Insurers are privately owned and can refuse to insure high-risk drivers for numerous reasons. A residual automobile market policy is your best alternative if you cannot get standard automobile insurance. The Automobile Insurance Plan Service Office (AIPSO) has offered state-specific residual plans to high-risk drivers for 48 years.

AIPSO's plans differ by state, and Tennessee’s plan is the Tennessee Automobile Insurance Plan. Insurance seekers with difficulty getting coverage are matched with insurers willing to offer coverage. Auto insurers in Tennessee share the risks associated with the Tennessee Automobile Insurance Plan.

When choosing a high-risk auto insurance company in Tennessee, you should consider several factors. MoneyGeek answered several questions about high-risk auto insurance in the state to help you find a policy that suits your needs.

MoneyGeek calculated average rates using full coverage car insurance policies with 100/300/100 liability insurance and comprehensive and collision coverage with a $1,000 deductible. Minimum coverage car insurance policy rates were calculated based on each state’s minimum car insurance requirement.

To calculate rates for high-risk drivers, MoneyGeek averaged the premiums insurance companies charge for three of the most common driving violations: speeding, at-fault accident and DUI.

To determine the best car insurance company for high-risk drivers, MoneyGeek scored companies based on affordability, customer satisfaction and complaints — obtained from J.D. Power surveys and NAIC complaint scores — and financial strength ratings as calculated by AM Best. Affordability received the greatest weighting in our calculations.