How Much Does Car Insurance Cost in Jackson, TN?
- State minimum liability on average in Jackson, TN costs $51 a month or $611 a year. Full coverage auto policies costs around $254 a month or $3,045 a year in Jackson.
InsuranceQuotes cost rates are pulled from our real-time auto insurance database from recent quotes in Jackson – Rates are based on a used car driver who is single, middle aged & has a clean driving record. Read on to learn about the cheapest local rates filtered by insurance providers, new cars, vehicle types and age.
What are the Cheapest Car Insurance Companies in Jackson, TN?
- In Jackson the cheapest car insurance companies on average are Farm Bureau of Tennessee, State Farm and GEICO. State minimum liability car insurance starts at $30 a month or $358 a year with Farm Bureau of Tennessee. The cheapest full coverage car insurance starts at $156 a month or $1,869 a year.
Here are the average policy rates from the cheapest local and national insurance providers in Jackson from our cost database of used-car drivers who are single, middle aged and have a clean driving record:
| Insurance Company: | State Minimum Liability: | Monthly: | Full Coverage Policy: | Monthly: |
|---|---|---|---|---|
| Farm Bureau of Tennessee | $358 | $30 | $1,869 | $156 |
| State Farm | $557 | $46 | $2,552 | $213 |
| GEICO | $567 | $47 | $2,688 | $224 |
| Progressive | $684 | $57 | $3,925 | $327 |
| Allstate | $708 | $59 | $3,257 | $271 |
Finding a Cheap Auto Insurance Policy in Jackson, TN
Jackson, Tennessee auto insurance policy rates can vary significantly depending on the provider and coverage options. To ensure that drivers are getting the best deal possible, it is important to compare quotes from multiple car insurance companies. InsuranceQuotes offers a convenient solution for this process by providing an easy-to-use quote form that allows users to receive free auto insurance quotes from both local and national providers in real-time. By utilizing our cost comparison tools, drivers can quickly identify the cheapest options available to them without sacrificing quality coverage. With InsuranceQuotes’ assistance, finding affordable car insurance has never been easier or more efficient for residents of Jackson, Tennessee.
How Much Car Insurance Do I Need in Tennessee?
In Tennessee, drivers are required to carry minimum levels of car insurance coverage to legally operate a vehicle on public roads. The mandatory coverage in Tennessee includes:
- Bodily Injury Liability Coverage: This coverage pays for injuries or death that you cause to another person in an at-fault accident. Tennessee requires minimum bodily injury liability coverage of:
- $25,000 per person injured in any one accident
- $50,000 for multiple persons injured in any one accident
- Property Damage Liability Coverage: This coverage pays for damage to another person’s property caused by you in an at-fault accident. Tennessee requires minimum property damage liability coverage of:
- $15,000 for injury to or destruction of property of others in any one accident
These are the minimum coverage requirements mandated by Tennessee law. However, drivers may opt to purchase additional coverage types, such as collision coverage, comprehensive coverage, medical payments coverage, and more, to enhance their protection.
While the above coverages are required by law, Tennessee also offers additional optional coverage types for drivers to consider, including:
- Liability Coverage: This coverage is required by law in Tennessee and helps pay for injuries or property damage you cause to others in an at-fault accident.
- Uninsured/Underinsured Motorist Coverage (UM/UIM): This coverage protects you if you’re involved in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance to cover your damages.
- Personal Injury Protection (PIP): Also known as “no-fault” insurance, PIP coverage helps pay for medical expenses and other related costs for you and your passengers, regardless of who is at fault in the accident.
- Collision Coverage: This coverage helps pay for damages to your vehicle caused by a collision with another vehicle or object, regardless of fault.
- Comprehensive Coverage: This coverage helps pay for damages to your vehicle caused by incidents other than collisions, such as theft, vandalism, fire, or natural disasters.
- Medical Payments Coverage: This coverage helps pay for medical expenses for you and your passengers if injured in an accident, regardless of fault.
- Rental Reimbursement Coverage: This coverage helps pay for the cost of renting a car while your vehicle is being repaired after a covered accident.
- Towing and Labor Coverage: This coverage reimburses you for towing and labor costs if your vehicle breaks down or becomes disabled.
