Tennessee Car Insurance [Rates + Cheap Coverage Guide]

The average rates for Tennessee car insurance are $83/month. Tennessee requires that you purchase a minimum of 25/50/15 for bodily injury and property damage car insurance.

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UPDATED: Jun 2, 2022

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Jun 2, 2022Fact Checked

Tennessee Summary StatisticsDetails
Annual Road MilesTotal in State: 95,561
Vehicle Miles Driven: 7.23 billion
Vehicles Registered in State: 5.33 million
Total Stolen: 12,599
State Population6,770,010
Most Popular Vehicle Ford F-150
Uninsured Motorists20%
State Rank: 5th
Total Driving Fatalities2008-2017
Speeding: 2,094
Drunk Driving: 2,726
Annual PremiumsLiability: $413.91
Collision: $309.07
Comprehensive: $148.45
Cheapest ProviderState Farm
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If shopping for car insurance sounds like the very last thing on earth you want to do—you’re not alone.

The reality is, with so many auto insurance providers on the market touting why they stand out above the competition, it’s often difficult to identify which carriers are worth your consideration from those that just don’t meet the mark.

If you’re one of the approximately 6.72 million individuals currently residing in the state of Tennessee, finding car insurance in your state to cover all the drivers in your household is one of the most crucial decisions you’ll ever make.

If your policy renewal is coming up, and you’re thinking of switching Tennessee car insurance companies but don’t know where to start—this guide is for you.

Satisfied overall with your current carrier, but want to make sure you’re getting the best rates and understand what your options are? Or maybe you’re wondering:

  • Is car insurance expensive in Tennessee?
  • What is the average cost of car insurance in Tennessee?
  • Who has the cheapest rates?

You won’t want to miss our complete guide to Tennessee car insurance coverage, carrier rates, driving laws, road safety facts, and more.

So let’s get down to business! Want to start comparison shopping for Tennessee car insurance providers in just seconds? Simply enter your ZIP code in our FREE online tool above to get started.

Table of Contents

Tennessee Car Insurance Coverage and Rates

Between the incredible music of Nashville and Memphis, stunning outdoor landscapes like the Great Smoky Mountains National Park, tourist hotspots like Graceland, and endlessly beautiful trails and valleys, Tennessee has no shortage of things to see and enjoy for residents and visitors alike.

Tennessee is one of a mere handful of states in the country that don’t charge or barely charge income tax. Tennessee’s income tax structure is known as Hall Tax, involving a flat tax only on dividends and interest.

U.S. News and World Reports ranked Tennessee number 26 out of all 50 states to live in their 2018 rankings while ranking the state number 30 overall in criteria like infrastructure, economy, opportunity, and fiscal stability.

Christened The Volunteer State, Tennessee’s infamous nickname goes all the way back to the War of 1812, when the volunteer soldiers from the state showed remarkable courage and fortitude during the Battle of New Orleans.

Whether you’re considering relocating to The Volunteer State or are a lifelong resident, it’s key to understand your requirements and options for Tennessee car insurance so you can make the best choice for your needs.

Tennessee Minimum Car Insurance Coverage Requirements

Tennessee’s Financial Responsibility Law mandates that all drivers in the state purchase and maintain at least the minimum levels of liability car insurance coverage listed in the table below. You must also be able to show proof of insurance if you are ever pulled over by a law enforcement officer. Tennessee is one of 48 states that currently accept electronic proof of insurance.

Insurance TypeInsurance Required
Bodily Injury Liability Coverage$25,000 per person
$50,000 per accident
Property Damage Liability Coverage$15,000 minimum
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Let’s take a closer look a what these Tennessee car insurance requirements mean for you:

  • $25,000 per person — to cover the bodily injury or death of an individual resulting from an accident you cause
  • $50,000 per accident — to cover the total bodily injury or death liability resulting from an accident you cause
  • $15,000 property damage liability coverage — to cover the total costs of another party or party’s property damage resulting from an accident you cause

These minimum liability coverages come into play to cover the costs of medical bills, property damage, and other losses incurred by passengers or pedestrians as the result of an accident you cause. Your insurance will cover these expenses up to and until your coverage limits are exhausted.

If your limits are exhausted and the other party’s bills are still mounting, you could be held personally liable to cover the rest. This is why it is critical to consider taking out higher policy limits than the state required minimum to safeguard your assets in the event of a severe crash.

Your liability insurance also applies to authorized individuals or family members who you permit to operate your vehicle. However, your liability insurance doesn’t cover any damages or injuries you may sustain after an auto accident.

It is worth considering adding other coverages to your policy (such as collision coverage) to protect yourself if you sustain losses in the crash.

It is important to note that Tenessee adheres to the traditional system of assigning fault in auto accidents regarding financial responsibility for damages sustained, such as lost wages, injuries, property damage, etc.

In simple terms, this just means that whoever caused the accident is also responsible for covering any damages or injuries that result. Technically, the at-fault driver’s Tennessee car insurance company will cover these losses until policy limits are exhausted.

Forms of Financial Responsibility in Tennessee

Under Tennessee car insurance laws, you must not only maintain the minimum coverages specified above but have proof of financial responsibility to provide to law enforcement upon request.

You must be ready to show proof of insurance if you are involved in a collision resulting in injury, death, or property damage exceeding $400, or if you are pulled over for a routine traffic stop.

Acceptable forms of financial responsibility in Tennessee include:

  • Your insurance policy binder
  • Your insurance card from an insurer licensed and authorized to do business in the state
  • Your insurance policy declaration’s page
  • Electronic proof of insurance

Failure to provide proof of financial responsibility upon request is categorized as a Class C misdemeanor. Penalties include suspension of your driver’s license, fines, and potentially being unable to renew your vehicle registration if a “STOP” is put on your car.

You could also be required to file an SR-22 Proof of Financial Responsibility document with the Tennessee Department of Motor Vehicles, which is essentially a promise from your insurer that you will carry and maintain the state-mandated coverages for a minimum period of five years.

You may have the SR-22 filing requirement lifted following three year’s time if you have not received any additional suspensions during that period.

Premiums as a Percentage of Income in Tennessee

Have you ever wondered how much of your annual income is being eaten up by Tennessee car insurance rates? Check out the table below, illustrating the residents’ average disposable incomes between 2012 and 2014 as compared to the percentage of their earnings they paid out in annual premiums.

YearFull CoverageDisposable IncomeInsurance as Percentage of Income
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As you can see from the table above, residents’ disposable income didn’t go up much during that three-year period, but the cost of coverage did increase by .11 percent between 2012 and 2014. Your disposable income is what you have remaining to spend or save once taxes are taken out.

However, if you look at the stats for premiums as a percentage of residents’ disposable income in bordering Mississippi, you’ll see that Tennessee’s figures aren’t so high after all.

As of 2014, the average Mississippian’s total disposable income was $31,365.00, which was around $5,500 less than what the average Tennessee worker took home that year. In addition, workers in Mississippi paid approximately $957.59 for full coverage in 2014, meaning that insurance premiums comprised roughly 3.05 percent of the average workers’ income.

Curious to see how much of your personal income is going to pay for your annual Tennessee car insurance premiums? Use the calculator below to find out!


Average Monthly Car Insurance Rates in TN (Liability, Collision, Comprehensive)

Coverage TypeAnnual Costs
Comprehensive $148.45
Full Coverage$871.43
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The table above reveals the most recent data collected by the National Association of Insurance Commissioners regarding the average cost of Tennessee car insurance. You should expect rates to increase in 2019 and moving forward.

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Let’s dig deeper into the additional liability coverage options you’ll want to consider when structuring your policy.

Additional Liability Coverage in Tennessee

Loss Ratio201420132012
Medical Payments (MedPay)69.1271.1775.43
Uninsured/Underinsured Motorist Coverage68.0668.1367.06
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The table we have here indicates the average insurer loss ratio in Tennessee, based on the most recent study conducted by the National Association of Insurance Commissioners. A company’s loss ratio is the percentage of losses they sustain compared to the premiums they are writing.

If a Tennessee car insurance company shows a loss ratio exceeding 100, this means they are paying out more in insureds’ claims than what they are getting back in premiums. As you can imagine, if this trend continues, it can spell disaster for the insurer.

The loss ratios revealed in the table above show that Tennessee car insurance companies are seeing healthy gains to losses overall for MedPay and uninsured/underinsured motorist coverage.

In the state of Tennessee, uninsured/underinsured motorist, comprehensive, and collision coverage are all optional policy add-ons.

Consider this, however.

Tennessee currently ranks number five in the entire nation for the largest number of uninsured drivers, with approximately 20 percent of motorists in the state getting behind the wheel without coverage.

It’s true that you might pay steeper premiums in the short-term for higher coverages. However, if you are one of the unlucky motorists to get into a collision with one of these uninsured drivers and are injured as a result, you want to ensure you won’t have to worry about covering the costs of medical bills and other expenses.

Any of these optional policy coverages are there to protect you in case of an unanticipated collision or emergency.

Add-ons, Endorsements, and Riders

If you’re on the hunt for Tennessee car insurance, here are some important add-ons, endorsements, and riders you may decide to include on your policy:

Male vs Female Annual Car Insurance Rates in TN

It’s generally assumed that male drivers pay more for car insurance than female motorists do. But, is this really the case?

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Let’s see what our researchers discovered—

Demographic and Insurance Carrier

CompanyMarried 35-year old female Annual RateMarried 35-year old male Annual RateMarried 60-year old female Annual RateMarried 60-year old male Annual RateSingle 17-year old female Annual RateSingle 17-year old male Annual RateSingle 25-year old female Annual RateSingle 25-year old male Annual Rate
Allstate P&C$2,796.09$2,684.61$2,516.49$2,612.46$10,516.65$11,441.86$2,980.14$3,082.46
Mid-Century Ins Co$1,817.48$1,850.03$1,631.91$1,788.38$7,410.65$7,883.17$2,457.63$2,601.27
Geico General$2,182.11$2,202.22$2,010.58$2,010.58$6,620.63$6,739.05$2,216.18$2,286.01
SAFECO Ins Co of IL$3,639.40$129.00$2,991.77$3,342.39$14,916.05$16,572.79$3,902.85$4,159.27
Nationwide Mutual$2,192.98$2,211.90$1,964.40$1,997.15$6,012.22$7,760.40$2,520.95$2,739.66
Progressive Hawaii$1,864.12$1,757.10$1,519.40$1,588.93$8,386.68$9,440.45$2,246.65$2,451.94
State Farm Mutual Auto$1,612.16$1,612.16$1,452.60$1,452.60$4,907.17$6,139.77$1,821.23$2,116.70
Travelers Prop Cas Ins Co$1,767.42$1,860.42$1,606.70$1,710.20$4,956.52$6,143.14$1,882.49$1,981.27
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If you take a look at the table above, you’ll see that the age and marital status of the driver are often more important than just their gender.

Not surprisingly, both male and female teen drivers are charged the highest rates of all by each carrier without exception, with the teen male demographic paying a bit more teen female motorists.

Let’s look at a few examples. For instance, Allstate charges single, teen male drivers almost $9,000 more in annual rates then they do to married, 35-year-old male motorists. However, the gap isn’t so wide with all insurers.

In the case of State Farm, they charge teen male drivers about $4,500 higher premiums than 35-year-old male drivers. That rate increase is still notable, but not as significant as it is with a carrier like Allstate.

If you’re wondering how something as seemingly unrelated as your marital status could affect your car insurance premiums, the answer is simple. Car insurance companies view marriage as a sign of stability, responsibility, and maturity. They deduce that married drivers are likely to translate these qualities into safe driving habits, which makes them far less of a risk to insure.

Depending on the Tennessee car insurance carrier in question, once drivers reach a certain age, their average annual rates could be the exact same, regardless of gender. If you take another look at the table above, you’ll notice that State Farm charges 35 and 60-year-old insureds the exact same rates, whether they are male or female.

By fostering safe and responsible habits on the road early on and utilizing a cognizant, defensive driving approach whenever you get behind the wheel, you’re not just looking out for your own wellbeing. You’re also looking out for the welfare of other motorists on the road and incidentally could secure much lower rates down the line as well.

Rank by Demographic and Insurance Carrier

RankCompanyDemographicAverage Annual Rate
1SAFECO Ins Co of ILSingle 17-year old male$16,572.79
2SAFECO Ins Co of ILSingle 17-year old female$14,916.05
3Allstate P&CSingle 17-year old male$11,441.86
4Allstate P&CSingle 17-year old female$10,516.65
5Progressive HawaiiSingle 17-year old male$9,440.45
6Progressive HawaiiSingle 17-year old female$8,386.68
7Mid-Century Ins CoSingle 17-year old male$7,883.17
8Nationwide MutualSingle 17-year old male$7,760.40
9Mid-Century Ins CoSingle 17-year old female$7,410.65
10Geico GeneralSingle 17-year old male$6,739.05
11Geico GeneralSingle 17-year old female$6,620.63
12USAASingle 17-year old male$6,309.85
13Travelers Prop Cas Ins CoSingle 17-year old male$6,143.14
14State Farm Mutual AutoSingle 17-year old male$6,139.77
15Nationwide MutualSingle 17-year old female$6,012.22
16USAASingle 17-year old female$5,501.37
17Travelers Prop Cas Ins CoSingle 17-year old female$4,956.52
18State Farm Mutual AutoSingle 17-year old female$4,907.17
19SAFECO Ins Co of ILSingle 25-year old male$4,159.27
20SAFECO Ins Co of ILSingle 25-year old female$3,902.85
21SAFECO Ins Co of ILMarried 35-year old female$3,639.40
22SAFECO Ins Co of ILMarried 60-year old male$3,342.39
23Allstate P&CSingle 25-year old male$3,082.46
24SAFECO Ins Co of ILMarried 60-year old female$2,991.77
25Allstate P&CSingle 25-year old female$2,980.14
26Allstate P&CMarried 35-year old female$2,796.09
27Nationwide MutualSingle 25-year old male$2,739.66
28Allstate P&CMarried 35-year old male$2,684.61
29Allstate P&CMarried 60-year old male$2,612.46
30Mid-Century Ins CoSingle 25-year old male$2,601.27
31Nationwide MutualSingle 25-year old female$2,520.95
32Allstate P&CMarried 60-year old female$2,516.49
33Mid-Century Ins CoSingle 25-year old female$2,457.63
34Progressive HawaiiSingle 25-year old male$2,451.94
35Geico GeneralSingle 25-year old male$2,286.01
36Progressive HawaiiSingle 25-year old female$2,246.65
37Geico GeneralSingle 25-year old female$2,216.18
38Nationwide MutualMarried 35-year old male$2,211.90
39Geico GeneralMarried 35-year old male$2,202.22
40Nationwide MutualMarried 35-year old female$2,192.98
41Geico GeneralMarried 35-year old female$2,182.11
42USAASingle 25-year old male$2,157.82
43State Farm Mutual AutoSingle 25-year old male$2,116.70
44USAASingle 25-year old female$2,023.45
45Geico GeneralMarried 60-year old female$2,010.58
45Geico GeneralMarried 60-year old male$2,010.58
47Nationwide MutualMarried 60-year old male$1,997.15
48Travelers Prop Cas Ins CoSingle 25-year old male$1,981.27
49Nationwide MutualMarried 60-year old female$1,964.40
50Travelers Prop Cas Ins CoSingle 25-year old female$1,882.49
51Progressive HawaiiMarried 35-year old female$1,864.12
52Travelers Prop Cas Ins CoMarried 35-year old male$1,860.42
53Mid-Century Ins CoMarried 35-year old male$1,850.03
54State Farm Mutual AutoSingle 25-year old female$1,821.23
55Mid-Century Ins CoMarried 35-year old female$1,817.48
56Mid-Century Ins CoMarried 60-year old male$1,788.38
57Travelers Prop Cas Ins CoMarried 35-year old female$1,767.42
58Progressive HawaiiMarried 35-year old male$1,757.10
59Travelers Prop Cas Ins CoMarried 60-year old male$1,710.20
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Use the search bar to navigate the table above and see how your Tennessee car insurance company ranks according to the average annual rates they charge based on age and gender demographics. As you can see, Safeco makes it to the number one ranking position, charging the highest rates of all to single, 17-year-old male drivers.

If you scroll down a bit, you’ll see that State Farm charges the cheapest male teen driver rates with average annual premiums of $6,139.77, which is approximately $10,400 less than what Safeco charges to the same driver demographic.

At the end of the list is Travelers, who charges the cheapest rates of all—to 60-year-old male drivers.

The moral of the story here is that the carrier you pick can significantly determine the rates you will end up paying. When looking at different Tennessee car insurance companies, consider the rates they charge to your particular age, gender, and marital status demographic to see which carrier best fits your needs.

Highest and Lowest Rates in Tennessee by ZIP Code

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Did you know that that the area you live in can have a notable impact on the rates carriers assess for your policy? The tables below show the highest and lowest Tennessee car insurance rates based on ZIP code.

Cheapest ZIP Codes in Tennessee CityAverage Annual Rate by ZIP CodesMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
37601JOHNSON CITY$3,173.65Liberty Mutual$5,266.60Allstate$4,163.63State Farm$2,311.58Travelers$2,392.43
37614JOHNSON CITY$3,175.79Liberty Mutual$5,266.60Allstate$4,164.94State Farm$2,383.48Travelers$2,424.67
37620BRISTOL$3,176.81Liberty Mutual$5,174.63Allstate$4,087.45State Farm$2,160.43USAA$2,449.19
37692UNICOI$3,177.19Liberty Mutual$5,368.79Allstate$4,162.22State Farm$2,283.56Travelers$2,387.75
37604JOHNSON CITY$3,187.79Liberty Mutual$5,266.60Allstate$4,164.94State Farm$2,311.47Travelers$2,431.30
37684MOUNTAIN HOME$3,188.99Liberty Mutual$5,266.60Allstate$4,189.90State Farm$2,315.51Travelers$2,431.22
37690TELFORD$3,197.59Liberty Mutual$5,266.60Allstate$4,115.87State Farm$2,177.69Travelers$2,422.75
37615JOHNSON CITY$3,199.74Liberty Mutual$5,266.60Allstate$4,171.03State Farm$2,267.57Travelers$2,452.07
37643ELIZABETHTON$3,200.59Liberty Mutual$5,321.14Allstate$4,163.43State Farm$2,273.92Travelers$2,423.68
37694WATAUGA$3,210.85Liberty Mutual$5,321.14Allstate$4,188.17State Farm$2,271.87Travelers$2,387.21
37650ERWIN$3,212.85Liberty Mutual$5,368.79Allstate$4,134.59State Farm$2,335.93Travelers$2,361.87
37659JONESBOROUGH$3,217.01Liberty Mutual$5,266.60Allstate$4,164.05State Farm$2,285.69Travelers$2,451.10
37663KINGSPORT$3,220.96Liberty Mutual$4,961.30Allstate$4,187.37State Farm$2,360.95USAA$2,435.57
37657FLAG POND$3,222.95Liberty Mutual$5,368.79Allstate$4,134.60State Farm$2,345.30Travelers$2,441.62
37617BLOUNTVILLE$3,226.34Liberty Mutual$4,961.30Allstate$4,185.82USAA$2,435.57State Farm$2,439.98
37686PINEY FLATS$3,248.25Liberty Mutual$5,321.14Allstate$4,179.29State Farm$2,377.89USAA$2,435.57
37682MILLIGAN COLLEGE$3,257.44Liberty Mutual$5,266.60Allstate$4,767.24State Farm$2,315.51Travelers$2,463.58
37618BLUFF CITY$3,259.15Liberty Mutual$5,321.14Allstate$4,183.25State Farm$2,299.18USAA$2,449.19
37660KINGSPORT$3,265.10Liberty Mutual$5,141.66Allstate$4,156.94State Farm$2,403.39USAA$2,435.31
37680LAUREL BLOOMERY$3,266.48Liberty Mutual$6,063.27Allstate$4,182.23State Farm$2,315.51Travelers$2,368.74
37688SHADY VALLEY$3,269.32Liberty Mutual$6,063.27Allstate$4,189.80State Farm$2,306.69Travelers$2,395.59
37656FALL BRANCH$3,275.84Liberty Mutual$5,141.66Allstate$4,774.39State Farm$2,181.50Travelers$2,579.06
37665KINGSPORT$3,282.60Liberty Mutual$5,141.66Allstate$4,209.03USAA$2,435.31State Farm$2,476.80
37664KINGSPORT$3,286.44Liberty Mutual$5,445.99Allstate$4,093.61State Farm$2,416.48USAA$2,435.25
37658HAMPTON$3,294.15Liberty Mutual$6,049.58Allstate$4,171.16State Farm$2,296.29Travelers$2,374.93
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Take a look to see what rates top carriers in the state are charging where you live. Bear in mind, that the overall statewide average for Tennessee car insurance is $3,660.89.

Most Expensive ZIP Codes in TennesseeCityAverage Annual Rate by ZIP CodeMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
38118MEMPHIS$4,991.62Liberty Mutual$7,567.94Allstate$6,771.40USAA$3,428.10Travelers$3,691.39
38112MEMPHIS$4,984.01Liberty Mutual$8,412.97Allstate$6,445.39USAA$3,294.44State Farm$3,560.64
38128MEMPHIS$4,967.47Liberty Mutual$8,114.32Allstate$6,409.64USAA$3,252.80Travelers$3,698.03
38132MEMPHIS$4,958.99Liberty Mutual$7,567.94Allstate$6,771.32USAA$3,428.10Travelers$3,642.02
38116MEMPHIS$4,954.44Liberty Mutual$8,294.54Allstate$6,771.39USAA$3,428.10Travelers$3,656.30
38131MEMPHIS$4,952.11Liberty Mutual$8,294.54Allstate$6,771.01USAA$3,428.10State Farm$3,644.58
38126MEMPHIS$4,950.53Liberty Mutual$8,470.60Allstate$6,771.39USAA$3,323.82State Farm$3,408.64
38111MEMPHIS$4,919.47Liberty Mutual$7,958.43Allstate$6,334.58USAA$3,332.11Travelers$3,698.03
38127MEMPHIS$4,916.69Liberty Mutual$7,432.01Allstate$6,482.95USAA$3,351.71State Farm$3,640.48
38122MEMPHIS$4,912.60Liberty Mutual$7,958.43Allstate$6,289.78USAA$3,294.44Travelers$3,691.39
38107MEMPHIS$4,906.85Liberty Mutual$8,412.97Allstate$6,631.77USAA$3,351.71State Farm$3,360.10
38115MEMPHIS$4,904.13Liberty Mutual$7,771.74Farmers$5,987.91USAA$3,012.48Travelers$3,728.53
38105MEMPHIS$4,889.05Liberty Mutual$8,412.97Allstate$6,771.31State Farm$3,329.34USAA$3,346.64
38108MEMPHIS$4,886.59Liberty Mutual$8,412.97Allstate$6,204.92USAA$3,351.71State Farm$3,563.36
38114MEMPHIS$4,883.14Liberty Mutual$7,811.89Allstate$6,771.32USAA$3,323.82State Farm$3,494.64
38109MEMPHIS$4,879.55Liberty Mutual$7,826.82Allstate$6,771.37USAA$3,323.82State Farm$3,571.52
38106MEMPHIS$4,855.29Liberty Mutual$8,470.60Allstate$6,625.68USAA$3,323.82State Farm$3,506.22
38152MEMPHIS$4,820.32Liberty Mutual$7,958.43Allstate$6,694.41USAA$3,332.11State Farm$3,554.69
38104MEMPHIS$4,818.28Liberty Mutual$7,759.04Allstate$6,510.51USAA$2,985.60State Farm$3,322.69
38141MEMPHIS$4,774.38Liberty Mutual$7,560.82Farmers$5,987.91USAA$3,012.48Travelers$3,629.49
38163MEMPHIS$4,759.35Liberty Mutual$7,958.43Allstate$6,771.01State Farm$3,084.95USAA$3,332.11
38103MEMPHIS$4,753.52Liberty Mutual$7,759.04Allstate$6,771.33USAA$3,346.64State Farm$3,353.13
38157MEMPHIS$4,658.50Liberty Mutual$7,958.43Farmers$5,751.99State Farm$3,084.95USAA$3,332.11
38125MEMPHIS$4,510.60Liberty Mutual$7,560.82Allstate$5,594.06USAA$3,220.10State Farm$3,318.48
38134MEMPHIS$4,485.52Liberty Mutual$7,813.35Allstate$5,314.94USAA$3,065.06State Farm$3,474.93
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Most Expensive/Least Expensive Carrier Rates by City

Likewise, the tables below reveal the most and least expensive cities for Tennessee car insurance.

Cheapest Cities in TennesseeAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Central$3,173.65Liberty Mutual$5,266.60Allstate$4,163.63State Farm$2,311.58Travelers$2,392.43
Bristol$3,176.81Liberty Mutual$5,174.63Allstate$4,087.45State Farm$2,160.43USAA$2,449.19
Unicoi$3,177.19Liberty Mutual$5,368.79Allstate$4,162.22State Farm$2,283.56Travelers$2,387.75
Johnson City$3,181.79Liberty Mutual$5,266.60Allstate$4,164.94State Farm$2,347.47Travelers$2,427.98
Mountain Home$3,188.99Liberty Mutual$5,266.60Allstate$4,189.90State Farm$2,315.51Travelers$2,431.22
Telford$3,197.59Liberty Mutual$5,266.60Allstate$4,115.87State Farm$2,177.69Travelers$2,422.75
Gray$3,199.74Liberty Mutual$5,266.60Allstate$4,171.03State Farm$2,267.57Travelers$2,452.07
Elizabethton$3,200.59Liberty Mutual$5,321.14Allstate$4,163.43State Farm$2,273.92Travelers$2,423.68
Watauga$3,210.85Liberty Mutual$5,321.14Allstate$4,188.17State Farm$2,271.87Travelers$2,387.21
Banner Hill$3,212.85Liberty Mutual$5,368.79Allstate$4,134.59State Farm$2,335.93Travelers$2,361.87
Jonesborough$3,217.01Liberty Mutual$5,266.60Allstate$4,164.05State Farm$2,285.69Travelers$2,451.10
Colonial Heights$3,220.96Liberty Mutual$4,961.30Allstate$4,187.37State Farm$2,360.95USAA$2,435.57
Flag Pond$3,222.95Liberty Mutual$5,368.79Allstate$4,134.60State Farm$2,345.30Travelers$2,441.62
Blountville$3,226.34Liberty Mutual$4,961.30Allstate$4,185.82USAA$2,435.57State Farm$2,439.98
Piney Flats$3,248.25Liberty Mutual$5,321.14Allstate$4,179.29State Farm$2,377.89USAA$2,435.57
Milligan College$3,257.45Liberty Mutual$5,266.60Allstate$4,767.24State Farm$2,315.51Travelers$2,463.58
Bluff City$3,259.15Liberty Mutual$5,321.14Allstate$4,183.25State Farm$2,299.18USAA$2,449.19
Bloomingdale$3,265.10Liberty Mutual$5,141.66Allstate$4,156.94State Farm$2,403.39USAA$2,435.31
Laurel Bloomery$3,266.48Liberty Mutual$6,063.27Allstate$4,182.23State Farm$2,315.51Travelers$2,368.74
Shady Valley$3,269.32Liberty Mutual$6,063.27Allstate$4,189.80State Farm$2,306.69Travelers$2,395.59
Fall Branch$3,275.84Liberty Mutual$5,141.66Allstate$4,774.39State Farm$2,181.50Travelers$2,579.06
Kingsport$3,284.52Liberty Mutual$5,293.82Allstate$4,151.32USAA$2,435.28State Farm$2,446.64
Hampton$3,294.15Liberty Mutual$6,049.58Allstate$4,171.16State Farm$2,296.29Travelers$2,374.93
Roan Mountain$3,298.94Liberty Mutual$6,049.58Allstate$4,161.78State Farm$2,359.35Travelers$2,406.60
Limestone$3,308.69Liberty Mutual$5,266.60Allstate$4,767.24State Farm$2,328.90Travelers$2,463.58
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It is interesting to note how the size of the city you live in can affect your auto insurance rates. For example, if you compare a smaller city like Bristol with a larger one like Memphis, you’ll note that residents in Memphis pay almost $1,600 more annually for car insurance.

That’s hardly small change. Where does your city rank on these lists?

Most Expensive Cities in TennesseeAverage Annual Rate by CityMost Expensive CompanyMost Expensive Annual Rate2nd Most Expensive Company2nd Most Expensive Annual RateCheapest CompanyCheapest Annual Rate2nd Cheapest Company2nd Cheapest Annual Rate
Memphis$4,788.94Liberty Mutual$7,837.10Allstate$6,315.27USAA$3,244.18State Farm$3,520.60
Bartlett$4,343.08Liberty Mutual$6,987.71Allstate$5,415.78USAA$2,983.87State Farm$3,305.26
Cordova$4,314.74Liberty Mutual$6,942.75Allstate$5,505.10USAA$2,942.55State Farm$3,306.64
Germantown$4,184.91Liberty Mutual$7,131.60Allstate$5,452.45USAA$2,556.92State Farm$2,888.53
Millington$4,172.26Liberty Mutual$6,327.79Allstate$6,287.11USAA$2,744.12State Farm$2,760.02
Arlington$4,114.08Liberty Mutual$6,916.62Allstate$5,389.19USAA$2,651.42State Farm$2,997.14
Collierville$4,107.47Liberty Mutual$6,826.31Allstate$5,322.40USAA$2,545.56State Farm$2,989.35
Brighton$4,105.10Liberty Mutual$6,916.62Allstate$6,287.04USAA$2,955.10State Farm$2,992.03
Ellendale$4,102.16Allstate$6,402.80Liberty Mutual$5,503.20USAA$2,993.52Travelers$3,054.51
Drummonds$4,094.22Liberty Mutual$6,916.62Allstate$6,286.94State Farm$2,735.89Travelers$2,947.28
Eads$4,080.50Liberty Mutual$6,898.36Allstate$5,526.13USAA$2,993.52State Farm$3,052.25
Atoka$4,075.14Liberty Mutual$6,916.62Allstate$6,287.04State Farm$2,901.72USAA$2,953.34
Munford$4,056.03Liberty Mutual$6,916.62Allstate$6,287.03USAA$2,837.09State Farm$2,873.36
Burlison$4,042.45Liberty Mutual$6,576.73Allstate$6,286.90State Farm$2,962.96USAA$2,984.08
Rossville$4,041.12Liberty Mutual$7,145.14Allstate$5,523.04USAA$2,871.42State Farm$2,910.98
Williston$4,036.66Liberty Mutual$7,145.14Allstate$5,522.94USAA$2,850.00State Farm$2,860.79
Silerton$4,029.52Liberty Mutual$8,470.60Allstate$4,808.48Travelers$2,665.25State Farm$2,736.15
Covington$4,010.68Liberty Mutual$6,576.73Allstate$5,914.04State Farm$2,813.43Travelers$2,911.83
Moscow$4,004.99Liberty Mutual$7,145.14Allstate$5,522.94USAA$2,850.00Travelers$2,887.17
Oakland$3,971.25Liberty Mutual$7,145.14Allstate$5,522.98State Farm$2,801.18USAA$2,860.71
Mason$3,966.47Liberty Mutual$6,576.73Allstate$5,522.93State Farm$2,849.69USAA$2,871.42
Spring Creek$3,963.50Liberty Mutual$8,470.60Allstate$4,954.71State Farm$2,681.96Travelers$2,857.13
Campaign$3,945.78Liberty Mutual$8,470.60Allstate$4,666.47State Farm$2,434.85USAA$2,621.85
Brunswick$3,941.45Allstate$5,524.14Liberty Mutual$5,503.20Travelers$2,518.05USAA$2,744.12
Mc Lemoresville$3,925.54Liberty Mutual$8,470.60Allstate$4,874.90State Farm$2,509.91Travelers$2,549.48
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Best Tennessee Car Insurance Companies

With so many Tennessee car insurance companies trying to snag your business, how do you know which ones will fulfill their promises and which will fall short?

We’ve got you covered! Keep reading for the 10 largest Tennessee car insurance companies’ financial ratings, carriers with the best ratings, customer complaint data, and so much more.

Let’s dive right in.

The 10 Largest Tennessee Car Insurance Companies’ Financial Ratings

One very essential aspect to take into account when considering a Tennessee car insurance carrier is the financial strength rating of the company. A company’s financial strength rating not only indicates it’s financial state but also reveals its ability to continue to fulfill its obligations to insureds.

AM Best is a global rating entity which releases financial strength ratings for carriers across the insurance market. Companies assigned an A+ or A++ rating are revealed to have a superior ability to fulfill their ongoing obligations to insureds. An A rating means the company has an excellent ability to fulfill their financial obligations to consumers.

Take a look at the table below, revealing AM Best’s ratings for the 10 largest Tennessee car insurance companies.

Insurance CompanyAM Best Rating
State FarmA++
Tennessee Farmers GroupA+
Liberty MutualA
Erie Insurance GroupA+
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Tennessee Car Insurance Companies with the BEST Customer Ratings

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The 10 Largest Tennessee Car Insurance Companies’ Complaint Ratio

Insurance CompanyNational Median Complaint RatioCompany Complaint Ratio 2017Total Complaints 2017
State Farm10.441,482
Tennessee Farmers Group10.6739
Liberty Mutual15.95222
Erie Insurance Group10.722
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The table above reveals the most recent complaint data released by the National Association of Insurance Commissioners regarding the 10 largest Tennessee car insurance companies.

Bear in mind, complaint data reveals overall consumer satisfaction and should be a singular factor out of many that you use to determine which company is right for you.

The Cheapest Tennessee Car Insurance Companies

CompanyAnnual AverageCompared to State AveragePercentage
Allstate P&C$4,828.85$1,167.9624.19%
Mid-Century Ins Co$3,430.07-$230.82-6.73%
Geico General$3,283.42-$377.47-11.50%
SAFECO Ins Co of IL$6,206.69$2,545.8041.02%
Nationwide Mutual$3,424.96-$235.93-6.89%
Progressive Hawaii$3,656.91-$3.98-0.11%
State Farm Mutual Auto$2,639.30-$1,021.59-38.71%
Travelers Prop Cas Ins Co$2,738.52-$922.37-33.68%
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The table above indicates the cheapest Tennessee car insurance companies statewide with a comparison of their rates to the overarching state average of $3,660.89.

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During the extensive research process, our team discovered that Safeco charges the highest rates and State Farm the lowest, with an approximate $3,600 rate gap between the two carriers.

Commute Rates

Did you know that the length of your commute can also affect your Tennessee car insurance rates? Some, but not all, insurers will raise your rates if you have a longer commute. Let’s see what the data our researchers found revealed, as shown in the table below.

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Group10-mile commute - 6,000 annual mileage25-mile commute - 12,000 annual mileage
Liberty Mutual$6,206.69$6,206.69
State Farm$2,576.56$2,702.04
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It’s pretty fascinating to see how different carriers assess consumer premiums based on the length of their commute. You’ll notice that insurers like Farmers and Liberty Mutual charge insureds the exact same rates, no matter what the length of their commute is.

On the other hand, a company like Travelers charges consumers with 25-mile commutes about $200 more per year than insureds with only a 10-mile commute. It really all comes down to the carrier you select.

Coverage Level Rates

It shouldn’t be all that surprising that Tennessee car insurance companies will adjust your rates based on whether you select low, medium, or high levels of coverage. Check out the table below to see how top carriers in the state raise or lower insureds’ premiums based on the coverage levels they opt for.

GroupAnnual Rate with Low CoverageAnnual Rate with Medium CoverageAnnual Rate with High Coverage
Liberty Mutual$5,938.19$6,204.78$6,477.10
State Farm$2,492.73$2,651.21$2,773.95
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As you may have already noticed, some companies charge you noticeably higher rates for higher coverage levels, but some show a fairly narrow premium gap for high vs. low levels of coverage.

Let’s look at a few examples.

Liberty Mutual charges insureds with high coverage levels approximately $400 more per year than individuals with low levels of coverage. However, a carrier like Nationwide only charges consumers with high levels of coverage about $20 more per year than insureds with low coverage levels.

In addition, State Farm charges the cheapest rates for high coverage levels of all the Tennessee car insurance companies listed.

Credit History Rates

Except for a very few states where the practice is illegal, car insurance companies can and do factor your credit history into the picture when assessing your rates. Tennessee car insurance carriers are no exception.

A recent study by Experian reported that the typical Tennessee resident has a VantageScore of 662, with 2.77 credit cards apiece and an average balance of $5,975. This Vantage Score is a bit under the nationwide highest average credit score of 675.

Check out the table below to see how top Tennessee car insurance carriers assess consumer rates based on their credit score.

GroupAnnual Rate with Good CreditAnnual Rate with Fair CreditAnnual Rate with Poor Credit
Liberty Mutual$4,266.12$5,455.32$8,898.63
State Farm$1,785.62$2,299.30$3,832.98
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If you start at the left column and work your way right, you’ll see that the worse a person’s credit history is, the higher their rates will be. Liberty Mutual has the most notable gap in rates for good vs. poor credit, as they charge insureds with poor credit roughly $4,600 more per year than individuals with good credit.

The company that seems to be the most forgiving of poor credit history is Travelers, which charges insureds with poor credit about $5,400 less than a carrier like Liberty Mutual does.

Driving Record Rates

You likely already know that your driving record is one of the most critical factors Tennessee car insurance carriers will look at when determining your rates. Whether or not you have a clean driving record correlates directly with how much of an insurance risk you pose to any given carrier.

GroupClean RecordOne Speeding ViolationOne AccidentOne DUI
Liberty Mutual$5,031.00$5,789.80$7,257.06$6,748.89
State Farm$2,406.95$2,639.30$2,871.65$2,639.30
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Some companies are definitely more forgiving of a poor driving record than others, as evidenced by the data our researchers gathered above.

You’ll note that a carrier like Allstate charges insureds with one DUI almost $1,800 more annually than they do consumers with a clean record.

With a carrier like Progressive, the yearly rate difference is only roughly $200. Progressive actually charges the highest rates to drivers with one accident on their record, tacking almost $1,000 more onto insureds’ yearly premiums if they have had a single collision vs. a clean record.

The 10 Largest Car Insurance Companies in Tennessee

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Company NameDirect Premiums WrittenLoss RatioMarket Share
State Farm$948,60462.03%23.23%
Tennessee Farmers Group$654,61374.33%16.03%
Liberty Mutual$211,92862.66%5.19%
Nationwide $171,16668.01%4.19%
Erie Insurance Group$114,50876.69%2.80%
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Number of Car Insurance Providers in Tennessee

Property & Casualty InsuranceAmount
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Driving Laws in Tennessee

In addition to securing the best rates for your Tennessee car insurance coverage, another important element motorists need to be aware of are the state’s driving laws. In order to stay safe behind the wheel and keep your premiums down, you which laws govern motorists and how they apply to you.

Keep reading for the lowdown on everything from Tennessee car insurance laws to vehicle licensing laws to rules of the road and beyond.

Tennessee’s Car Insurance Laws

Car insurance laws can fluctuate widely from state to state, and Tennessee is certainly no exception. From high-risk insurance options to the statute of limitations governing personal injury actions in the event of a collision—it’s all here.

Without further ado—let’s jump right in.

High-Risk Insurance

If you have a history of auto accidents or traffic violations, insurance companies could view you as too high a risk to insure and you could find it extremely challenging or even impossible to secure coverage through the voluntary insurance market.

If this scenario applies to you, you could be eligible to secure coverage through the state’s high-risk program, known as the Tennessee Automobile Insurance Plan (TNAIP). Since it’s inception in 1949, TNAIP has existed to offer coverage to drivers who are unable to obtain insurance through the voluntary market.

TNAIP doesn’t provide coverage, but is a state-sponsored organization that assigns high-risk motorists to carriers across Tennessee. Any carrier that wishes to write premiums in the state must agree to take on part of the high-risk driving population.

TNAIP assigns high-risk drivers to carriers based on the company’s share of the insurance market. For example, if Geico represented 10 percent of the total auto insurance market in Tennessee, they would receive 10 percent of all high-risk drivers in the TNAIP program.

Bear in mind, that you won’t be able to choose your carrier through TNAIP. Instead, the program assigns an insurer to you.

Assuming you hold a current Tennessee driver’s license and have a car registered (or soon to be registered) in The Volunteer State, you are technically eligible to apply for coverage through TNAIP.

To qualify, you must also fulfill the following criteria:

  • You must confirm in your application that you have tried to secure insurance through the voluntary market during the past 60 days but were unsuccessful in doing so.
  • You must complete the application thoroughly and truthfully. If a carrier has trouble validating your driver information, this could be enough for them to refuse you coverage.
  • If you haven’t fulfilled a carrier premium during the 12 months prior to your application, TNAIP mandates that you pay this before moving your application forward.
  • If you want insurance to cover physical car damage, you must allow your vehicle to undergo an inspection, or that part of your insurance could be denied.

If you have any issues with your initial TNAIP application, such as outstanding bills, you can reapply to the program once the matter or matters have been resolved.

However, if the insurer deems that the information you submitted on your application was not completely truthful (such as leaving out important pieces of information), it is at their discretion to deny coverage. In that case, you would have to wait another 12 months before you could apply to TNAIP again.

Your coverage through TNAIP will be very much like the insurance you would obtain through the voluntary market, with the difference being that your premiums will be higher. After an insurer is assigned to you, your policy will be in force for a period of three years following.

You can use this window of time to work on your driving record so that it is possible for you to secure coverage through the voluntary market at lower rates. You must also stay up to date with your monthly auto insurance payments.

If you do find that you are able to secure better coverage before the three year period is completely up, you have the option to notify your insurer and switch over.

Your assigned insurer would then provide a refund of the premium remaining, in addition to a 10 percent surcharge for early policy termination.

On the other hand, if the three year period ends and you are still considered a high-risk driver, you can always re-apply to the program for coverage.

You have three different options to pay your auto insurance premiums through TNAIP, which are as follows:

  • Pay 100 percent of the premium at the outset.
  • Pay 30 percent of the premium at the outset when you submit your application, and the rest after 30 days.
  • Pay 25 percent of the premium at the outset, then the remainder over the course of five monthly payments of equal amounts. The full premium would then be paid off after six months.

Installment plans do carry a four dollar processing fee. Any insurance agent licensed to do business in the state can tell you more about TNAIP if you are interested and can assist you with applying through the electronic program EASi.

Visit TNAIP’s website or contact the Tennesee Department of Commerce for additional information.

Low-Cost Insurance

Only a few states offer sponsored low-cost insurance programs to drivers who meet certain eligibility factors for coverage. However, Tennessee doesn’t have one of these programs at this time.

Windshield Coverage

Some states require a waived deductible if you need repairs done on your car, while others make it mandatory to use only original manufacturer replacement parts.

Currently, The Volunteer State doesn’t have any laws in place unique to windshields, such as a preferred repair shop choice or the use of original manufacturer parts instead of aftermarket ones.

Automobile Insurance Fraud in Tennessee

As is the case in other states nationwide, Tennessee car insurance fraud is a very grave offense that can carry very steep penalties for offenders.

Essentially, insurance fraud is when someone tries to receive benefits or make money in the course of an insurance transaction that they would not otherwise be due, such as by lying or misrepresenting the facts of the scenario.

Both insurers and insureds can be found guilty of committing insurance fraud, but for the purposes of this guide, we will focus solely on consumer auto insurance fraud.

Tennessee laws governing insurance fraud in the state include Tennessee Code Title 56 Chapter 53 and Tennessee Code Section 39-14-133.

It is a crime to with full knowledge and intent defraud an insurer for money or some other benefit and engage in insurance transactions containing misrepresentation of facts, such as on your renewal, payment, or policy application. Knowingly supplying a false claim or documents for insurance benefits is also banned.

The penalties for insurance fraud are as follows, based on the severity of the offense at play:

  • Fraudulent acts involving $500 or under for property or services acquired are categorized as a Class A Misdemeanor, punishable by under 11 months and 29 days imprisonment and fines up to $2,500.
  • Fraudulent acts involving $500 to $10,000 acquired are categorized as a Class E Felony, punishable by 1-6 years imprisonment and up to $3,000 in fines.
  • Fraudulent acts involving $1,000 to $10,000 acquired are categorized as a Class D Felony, punishable by 2-12 years imprisonment and up to $5,000 in fines.
  • Fraudulent acts involving $10,000 to $60,000 acquired are categorized as a Class C Felony, punishable by 3-15 years imprisonment and up to $10,000 in fines.
  • Fraudulent acts involving $60,000 or more acquired are categorized as a Class B Felony, punishable by 8-30 years imprisonment and up to $25,000 in fines.

If convicted of insurance fraud, the individual may also be obligated to pay restitution back to the injured parties.

Insurance fraud is no joke. Don’t commit insurance fraud, and you can rest easy that none of these penalties will ever apply to you.

Statute of Limitations

If you get into an auto accident in the state of Tennesee and are injured as a result, you have a period of one year from the date of the collision to file a lawsuit with the courts against the at-fault driver. This one-year window is known as your statute of limitations.

You must pursue your case within that one-year period, or be forever barred from doing so. Note that the statute of limitations for bringing forward a property damage lawsuit is three years from the date of the collision.

It is also worth noting that a case’s statute of limitations is not to be confused with the period in which you should file a claim with your insurer following a collision. Most carriers want you to notify them of an accident within a few days, or at most a few weeks after the fact.

Tennessee’s Modified Comparative Fault Rule

There may be times when a driver gets into an auto accident in Tennessee, pursues a case or files suit, and is accused by other parties of having been totally or partially at fault for the wreck themselves.

Under Tennessee’s modified comparative fault rule, courts in the state can reduce or eliminate the person’s total awarded damages based on the amount of fault they bear for the collision.

Let’s look at an example.

Imagine that you are at a red light when another driver rear-ends your vehicle. When the accident occurred, one of your brake lights was on the fritz.

As a result, the court rules that you are 30 percent at fault for the collision and the other driver bears 70 percent of the blame.

Let us also suppose that your total damages are $20,000. Since you were determined to bear 30 percent of the fault for the accident, the modified comparative fault rule means that your damages would be cut by 30 percent, or $6,000. You would still be eligible to be awarded the remaining $14,000.

However, you can only be partially at fault for a collision and still collect damages if you are less 50 percent to blame. If your fault totals 50 percent or more, you will not be able to recover any damages at all.

Tennessee’s Vehicle Licensing Laws

The REAL ID Act sets certain security standards in place for the issuance of licenses and bars Federal agencies from accepting IDs for certain purposes (such as boarding a domestic flight) if they do not fulfill the REAL ID criterion.

Tennessee is currently in compliance with the REAL ID Act, which means that Federal agencies can accept IDs and drivers license from the state at nuclear power plants and other Federal facilities.

The Department of Homeland Security began enforcing REAL ID standards in January of 2018, but any individual wishing to travel via air will require a REAL ID-compliant license or similarly accepted ID form like a passport by October 1, 2020, in order to fly domestically.

Let’s take a closer look at the key vehicle licensing laws in Tennessee.

Penalties for Driving Without Insurance

If you wish to get behind the wheel in Tennessee, you must carry and maintain at least the state-mandated minimum car insurance coverages and carry proof of insurance with you at all times.

You can provide proof of insurance in the following ways:

  • Your insurance policy binder
  • Your insurance card from an insurer licensed and authorized to do business in the state
  • Your insurance policy declaration’s page
  • Electronic proof of insurance

Being caught driving without insurance in The Volunteer State means you could face fines up to $300, in addition to being charged with a Class C Misdemeanor which could see you having your vehicle towed, license suspended, and registration suspended.

You may also be obliged to file an SR-22 document with Tennessee’s Department of Insurance every year for three years following the offense, which your insurer will charge you additional filing fees for.

To have your registration and/or license reinstated, you will need to fulfill a $65 restoration fee, pay $50 to the Commissioner of Safety, and potentially pass a driver’s licensing exam again.

The state of Tennesee implements an online insurance verification system to check for consumer coverage. If a driver comes back as uninsured, the Department of Revenue will submit a notice to the driver asking them to furnish proof of insurance within 15 days time.

If you can provide proof of insurance within that window, the charge will be dismissed. If you cannot, however, you will be required to pay at $25 coverage failure fee within 30 days time.

If you do not pay this fee within 30 days, you will be charged an additional $100 continued coverage failure fee, plus the revocation of your license and registration. Reinstatement necessitates you to pay a $115 fee, which is $50 to the Commissioner of Safety and $65 in restoration fees.

If you get into an accident resulting in bodily injury or death to other parties involved, you could be charged with a Class A Misdemeanor carrying even steeper penalties under Tennessee’s Financial Responsibility Laws.

A conviction carries fines up to $2,500 and up to 11 months and 29 days in jail, not to mention other expenses you will have to cover if the injured party decides to take legal action.

Long story short, don’t get behind the wheel without auto insurance. Ever.

Teen Driver Laws

Here’s what you need to know about teen drivers laws in Tennessee.

Teen drivers must be at least 15 years of age to obtain their learner’s permit. To move to an intermediate license, they must:

  • Hold their learner’s permit for at least six months
  • Complete a minimum 50 hours of supervised driving, 10 of which must be at nighttime

To graduate to the intermediate licensing stage, you must be at least 16 years old. Restrictions during the intermediate stage include:

  • Unsupervised driving is not allowed between the hours of 11 P.M. and 6 A.M.
  • No more than one non-family member passenger

The nighttime and passenger restrictions can be lifted after 12 months or once the driver turns 18, whichever happens first. The teen driver must be at least 17 years old for these restrictions to be lifted.

Older Driver and General Population License Renewal Procedures

Here’s a quick overview of the license renewal procedures in your state. For both the general and older driving population, you must:

  • Renew once every eight years
  • Proof of adequate vision is not required
  • Either mail or online renewal is permitted

In the state of Tennessee, it is also at the insurance commissioner’s discretion to issue an initial license or renewal that is in force from three to eight years, to make the transition for a five-year to eight-year license.

New Residents

If you are considering a move or just relocated to The Volunteer State, here’s a breakdown of what you’ll need to provide to obtain your new Tennessee driver’s license.

As a new resident, you must provide:

  • Your current driver’s license or other acceptable ID or certified copy of driving record. If you provide a certified copy of your driving record, called a Motor Vehicle Record or MVR, the record must be original and have been issued a maximum of 30 days before the date of your application.
  • Proof of name change if applicable, such as a marriage certificate, certified court order, or divorce decree.
  • Two forms of Proof of Tennessee residency including your name and residential address. Documents must be from the past four months.
  • Proof of U.S. Citizenship, Lawful Permanent Residence Status, Proof of Authorized Stay, or Temporary Legal Presence in the U.S.
  • Your Social Security Number or a sworn affidavit stating that you haven’t been issued one

Visit the Tennessee Department of Safety and Homeland Security’s New Residents page for more information.

– Negligent Operator Treatment System

Reckless driving examples include:

  • Driving with blatant disregard for the well being of other people or their property
  • Driving into a clearly marked flooded area

Penalties for reckless driving in Tennessee can be steep, ranging from up to six months in jail and up to $580 in fines. Two reckless driving convictions within a one year period could lead to a full years suspension of your driver’s license.

Each reckless driving conviction adds six demerit points to your driving record. Gathering 12 or more points in a year’s time could lead to a six to 12-month license suspension.

Tennessee’s Rules of the Road

Check out the important rules of the road governing all drivers in Tennessee. Don’t miss these if you want to stay safe and informed when you next hit rubber to the road.

Fault vs. No-Fault

Remember, Tennessee adheres to the traditional system of assigning fault when it comes to auto accidents and any resulting damages. The at-fault driver is responsible for covering the costs of medical bills, lost income, property damage, and other damages resulting from a collision they caused.

In reality, the at-fault driver’s insurance company will cover these losses up to and until the policy limits are exhausted. At that point, the at-fault driver could be held personally liable for remaining damages yet unpaid, which is why it is always advisable to carry coverages above the state required minimum amounts.

Keep Right and Move Over Laws

Tennessee’s “Slow Poke Law” or Keep Right Law went into effect back in 2016, barring drivers from operating their vehicle in the passing lane on a multilane divided highway with three or more lanes on each side or on an interstate except if they are passing or overtaking a car in the non-passing lane.

Violations incur a $50 fine.

Tennessee’s Move Over Law requires drivers nearing a stationary emergency vehicle, municipal vehicle, utility vehicle, tow truck or recovery vehicle, or road maintenance vehicle with flashing lights going the same direction, to lower their speed and move over to the closest lane if safe to do so.

Speed Limits

The maximum posted speed limits in the state of Tennessee are as follows:

  • 70 mph on rural and urban interstates
  • 70 mph on other limited access roads
  • 65 mph on other roads

Seat Belt and Carseat Laws

Tennessee’s seat belt law covers passengers 16 years and up in the front seat. Failure to wear a seat belt could incur fines up to $30 for first-time offenders.

Children younger than one year or who weigh 20 pounds or less must be secured in a rear-facing child safety restraint. Children between the ages of one and three years old who weigh over 20 pounds or more may be secured in a forward-facing child restraint.

Children between the ages of four and eight who are less than 4’9 in height may be secured in a booster seat. An adult belt is permissible for children between the ages of 9-15, as well as any child 12 or younger who is taller than 4’9.

The maximum base fine for first-time violations is $50. It is also important to note that Tennessee law states a preference for the rear seat.

Children 8 years of age and under who are less than 4’9 tall must be secured in the rear seat if available and the rear seat is advised for children between 9 and 12.

Tennessee law also imposes restrictions on who may ride in the cargo bed areas of pickup trucks. Situations where these restrictions do not apply include:

  • Individuals 12 years of age and older
  • Individuals between the ages of six and 11 if the vehicle is being used off the interstate or state highways
  • A parade provided the vehicle is operating under 20 mph
  • Agricultural activities
  • On county or city roads unless banned by local laws


Rideshare providers like Lyft and Uber require all their drivers to carry auto insurance policies that meet at least the minimum state standards for coverage.

Drivers rarely carry their own commercial coverage, instead being covered under the rideshare service’s commercial policy to protect both passengers and drivers.

Automation on the Road

Tennessee has currently authorized the deployment of autonomous vehicles. The operator does not need to be licensed or in the vehicle but must maintain liability insurance of at least $5,000,000.

Tennessee’s Safety Laws

Here’s what you need to know about Tennessee’s major safety laws to protect you whenever you’re behind the wheel.

DUI Laws

Here are some figures for DUI laws in Tennessee and how they affect your insurance

Tennessee DUI LawsPenalties
BAC Limit0.08
High BAC Limit0.2
Criminal Status by Offense1st-3rd are class A misdemeanors. 4th+ in 10 years is a class E felony.
Formal Name for OffenseDriving Under the Influence (DUI)
Look Back Period/Washout Period 10 years
1st Offense - ALS or Revocation1 year.
1st Offense - Imprisonment48 hours to 11 months. With a HBAC: min 7 consecutive days.
1st Offense - Fine$350 - $1,500.
1st Offense - OtherDUI school is required. The court may require an IID and/or addiction treatment.
2nd Offense - DL Revocation2 years, restricted license available after 1 year.
2nd Offense - Imprisonment45 days to 11 months.
2nd Offense - Fine$600 to $10,000.
2nd Offense - OtherDUI school required, possible vehicle seizure, treatment may be required by court. An IID is required for 6 months after license reinstatement.
3rd Offense - DL Revocation6 to 10 years and no restricted license available.
3rd Offense - Imprisonment 120 days to 11 months.
3rd Offense - OtherDUI school required, possible vehicle seizure. An IID is required for 6 months after license reinstatement, treatment may be required by court.
4th Offense - DL Revocation5 years and no restricted license available.
4th Offense - Imprisonment 1 year with minimum 150 consecutive days served.
4th Offense - Fine $3,000 to $15,000.
4th Offense - Other Possible vehicle seizure, DUI school required, treatment may be required by court, IID required for 6 months after license reinstatement.
Mandatory InterlockAll offenders.
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Marijuana-Impaired Driving Laws

Tennessee doesn’t currently have a marijuana-specific drugged driving law in force.

– Distracted Driving Laws

As of July 1, 2019, a hand-held device ban while behind the wheel will go into effect for all drivers. Young drivers with a learner’s permit or intermediate license are barred from any cell phone usage. There is also a texting ban in force for all drivers.

Fascinating Facts Every Tennessee Driver Needs to Know

Before we send you on your way, it’s crucial to know how safe the roads in your state are for motorists.

From vehicle theft rates to traffic fatalities, let’s dig deeper.

Vehicle Theft in Tennessee

According to the FBI’s 2016 Crime in the United States report, there were 1,728 motor vehicle thefts in the Nashville metro area alone that year. The table below reveals the top 10 stolen vehicles in the state of Tennessee as of 2016, along with the most popular model year stolen for each manufacturer listed.

Make/ModelYearNumber of Thefts
Chevrolet Pickup (Full Size)1999690
Ford Pickup (Full Size)
Honda Accord1996383
Nissan Altima2015297
Dodge Pickup (Full Size)
Chevrolet Impala2008263
Honda Civic2000258
Toyota Camry2016238
GMC Pickup (Full Size)2000221
Nissan Maxima1997206
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Risky/Harmful Driving Behavior

The following tables reveal the latest driving statistics from the National Highway Traffic Safety Administration (NHTSA) illustrating the top road dangers for drivers in the state of Tennessee.

Rather than scaring you, let these statistics serve as a reminder of the importance of safe, cognizant driving while educating you regarding potential risky behaviors you could encounter from other motorists on the road.

Traffic Fatalities by Weather Condition and Light Condition

Weather ConditionDaylightDark, but LitDarkDawn or DuskOther / UnknownTotal
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Fatalities by County

CountyTotal Fatalities 2013Total Fatalities 2014Total Fatalilties 2015Total Fatalities 2016Total Fatalities 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K 2016Fatalities Per 100K 2017
Anderson County10186151113.2923.967.9519.8514.42
Bedford County159127432.9119.4625.5914.768.31
Benton County11653267.2537.0930.8818.6812.51
Bledsoe County00107006.9047.56
Blount County252327181620.0218.2821.2914.0412.31
Bradley County892011157.868.7519.2710.5414.21
Campbell County9121511122.3830.0837.827.732.52
Cannon County3061321.89043.627.1921.1
Carroll County9746531.4824.6814.3121.4917.95
Carter County6367510.545.3310.6412.48.85
Cheatham County4765710.1717.6715.1612.5917.36
Chester County3331117.5717.5417.565.855.84
Claiborne County69511518.9828.5515.8634.8515.82
Clay County2112225.9513.0913.0226.0125.96
Cocke County106811328.3117.0422.8131.298.44
Coffee County101214131718.7622.4225.8823.8830.89
Crockett County3222320.5413.6613.7213.8220.73
Cumberland County1191519719.1915.5625.8132.4611.85
Davidson County716476717510.769.5511.1610.3110.85
Decatur County2413817.1534.258.6225.6268.08
Dekalb County6351631.3915.6125.945.1430.22
Dickson County10615161619.9511.8929.2230.8230.27
Dyer County76611918.3815.8715.8829.2524.02
Fayette County56312912.8815.377.6530.3222.48
Fentress County3451816.7522.42285.5744.11
Franklin County779551716.9621.7812.0312
Gibson County6658512.1612.1510.1616.2910.18
Giles County991110831.2431.223834.3227.21
Grainger County3766513.1930.6126.2625.9621.6
Greene County151115221821.9616.0721.932.0926.16
Grundy County10402174.3629.91015.067.48
Hamblen County12106101219.0515.899.4715.6918.67
Hamilton County434242392712.3211.9811.8710.897.47
Hancock County1202915.0930.19030.32136.36
Hardeman County5525619.0219.287.7619.6323.58
Hardin County41039815.4338.7711.6534.9430.95
Hawkins County6149111410.6124.841619.5224.8
Haywood County131093871.4155.0550.0816.8545.52
Henderson County94914932.214.2932.1850.3732.43
Henry County44931312.4112.4289.340.06
Hickman County85451333.0620.4716.4220.2852.28
Houston County5151160.4512.1761.5612.3212.18
Humphreys County5467827.422.0433.0738.0843.28
Jackson County2342617.3226.0434.7117.2451.38
Jefferson County1611117830.712120.7613.1714.87
Johnson County6340633.3416.7322.43033.92
Knox County605654705713.5112.511.9615.3512.34
Lake County1011112.99013.213.2813.39
Lauderdale County5546718.1418.2714.8523.6727.7
Lawrence County458669.5411.8518.8513.9613.83
Lewis County0121408.4116.838.3933.24
Lincoln County8679623.917.9620.8626.8417.78
Loudon County711681413.9121.7711.815.626.84
Macon County7548630.9721.817.334.1124.92
Madison County161618131316.2116.3218.4613.3313.31
Marion County61159921.238.817.6231.7831.66
Marshall County8142125.753.212.686.263.04
Maury County171910181920.3522.2611.4420.0920.62
Mcminn County71311161213.3824.7420.9830.3822.69
Mcnairy County84107530.7415.3738.6727.1219.23
Meigs County6547451.542.7433.9458.5933.15
Monroe County11111091324.3424.2421.8919.5828.11
Montgomery County222827283011.9514.8214.0214.3714.99
Moore County1200215.9231.760031.33
Morgan County6283627.79.2237.2313.8127.73
Obion County6622419.3519.476.546.5513.16
Overton County8653436.4127.3422.6613.6518.17
Perry County3505438.0863.95063.3650.16
Pickett County1200219.9839.460039.42
Polk County5662730.0635.9635.7911.9341.77
Putnam County77517109.469.346.6622.3312.87
Rhea County4392612.329.2227.856.1718.35
Roane County101111131418.8320.8220.8524.5726.4
Robertson County13118161119.3416.2111.6923.1315.67
Rutherford County27352543399.6112.138.3913.9812.3
Scott County2355109.0913.6522.8522.8445.48
Sequatchie County125336.8813.6734.1720.3520.36
Sevier County131616152013.9316.9216.7515.5320.48
Shelby County9910712013212210.5511.412.7914.0913.02
Smith County8982742.0247.341.6110.2735.65
Stewart County3466122.5630.2645.4645.547.49
Sullivan County272315161717.2814.79.610.2310.82
Sumner County14151122108.38.716.2812.285.45
Tipton County131056521.1316.248.139.818.15
Trousdale County3203138.4625.02030.159.92
Unicoi County3520216.6327.9311.25011.26
Union County3544415.7426.3320.8820.820.57
Van Buren County03124053.0717.5734.9969.66
Warren County146481735.1215.029.9519.841.82
Washington County128188109.576.3614.286.297.82
Wayne County4632423.7435.7417.991224.12
Weakley County10368229.298.8317.7323.836
White County7676626.7522.8826.5522.6822.43
Williamson County17161013258.547.84.735.9411.05
Wilson County202016231916.4115.9812.4617.3713.93
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2017 Traffic Fatalities

TypeNumber of Fatalities
Rural Traffic Fatalities 500
Urban Traffic Fatalities 538
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Fatalities by Person Type

Person TypeNumber
Occupants (Enclosed Vehicles)771
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Fatalities by Crash Type

Crash TypeNumber
Single Vehicle 585
Involving a Large Truck136
Involving Speeding166
Involving a Rollover261
Involving a Roadway Departure665
Involving an Intersection (or Intersection Related)158
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Five-Year Trend for the Top 10 Counties

CountyTotal Fatalities 2013Total Fatalities 2014Total Fatalities 2015Total Fatalities 2016Total Fatalities 2017
Shelby County99107120132122
Davidson County7164767175
Knox County6056547057
Rutherford County2735254339
Montgomery County2228272830
Hamilton County4342423927
Williamson County1716101325
Sevier County1316161520
Maury County1719101819
Wilson County2020162319
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Fatalities Involving Speeding by County

CountyTotal Fatalities 2013Total Fatalities 2014Total Fatalities 2015Total Fatalities 2016Total Fatalities 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K 2016Fatalities Per 100K 2017
Anderson County342323.995.322.653.972.62
Bedford County6221013.164.324.272.110
Benton County2001112.23006.236.26
Bledsoe County00002000013.59
Blount County7103335.617.952.372.342.31
Bradley County166340.985.845.782.873.79
Campbell County413009.952.517.5600
Cannon County0000100007.03
Carroll County4100013.993.53000
Carter County0220103.553.5501.77
Cheatham County130012.547.57002.48
Chester County101005.8605.8500
Claiborne County122203.166.346.356.340
Clay County0000000000
Cocke County00222005.75.695.62
Coffee County221703.753.741.8512.860
Crockett County0100006.83000
Cumberland County222313.493.463.445.131.69
Davidson County1514202192.272.092.943.051.3
Decatur County02003017.120025.53
Dekalb County101005.2305.1900
Dickson County6201011.973.9601.930
Dyer County200035.250008.01
Fayette County0201105.1202.532.5
Fentress County0000000000
Franklin County424119.724.859.682.412.4
Gibson County200114.05002.042.04
Giles County141203.4713.883.456.860
Grainger County0200008.75000
Greene County7214210.252.921.465.832.91
Grundy County2302014.8722.43015.060
Hamblen County432026.354.773.1603.11
Hamilton County1212131673.443.423.674.471.94
Hancock County0001400015.1660.61
Hardeman County0104103.86015.73.93
Hardin County120003.867.75000
Hawkins County241113.547.11.781.771.77
Haywood County03101016.525.5605.69
Henderson County110003.583.57000
Henry County111113.
Hickman County201008.2604.100
Houston County2000024.180000
Humphreys County101005.4805.5100
Jackson County0100008.68000
Jefferson County152211.929.543.773.761.86
Johnson County2110211.115.585.61011.31
Knox County9101120122.032.232.444.382.6
Lake County0001000013.280
Lauderdale County100013.630003.96
Lawrence County210014.772.37002.3
Lewis County0000000000
Lincoln County110112.992.9902.982.96
Loudon County311005.961.981.9700
Macon County111204.424.364.338.530
Madison County421214.
Marion County240127.0714.1103.537.04
Marshall County100103.22003.130
Maury County330313.593.5203.351.09
Mcminn County363335.7311.425.725.75.67
Mcnairy County3031011.53011.63.870
Meigs County02140017.18.4933.480
Monroe County122202.214.414.384.350
Montgomery County8781094.353.
Moore County0000000000
Morgan County3000213.850009.24
Obion County300109.67003.280
Overton County100104.55004.550
Perry County1202012.6925.58025.340
Pickett County01000019.73000
Polk County3120318.035.9911.93017.9
Putnam County112021.351.332.6602.57
Rhea County112023.083.076.1906.12
Roane County210143.771.8901.897.54
Robertson County222102.982.952.921.450
Rutherford County846672.851.392.011.952.21
Scott County0200009.1000
Sequatchie County003120020.56.7813.57
Sevier County356233.
Shelby County21283621282.242.983.842.242.99
Smith County150025.2526.280010.19
Stewart County113007.527.5722.7300
Sullivan County633263.841.921.921.283.82
Sumner County400042.370002.18
Tipton County122001.633.253.2500
Trousdale County1000012.820000
Unicoi County02101011.175.6205.63
Union County2210110.510.535.2205.14
Van Buren County01000017.69000
Warren County7212217.565.012.494.954.92
Washington County544323.993.183.172.361.56
Wayne County0101005.96060
Weakley County0102002.9405.960
White County3120111.463.817.5903.74
Williamson County310131.510.4900.461.33
Wilson County1136229.022.44.671.511.47
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Fatalities in Crashes Involving an Alcohol-Impaired Driver by County

CountyTotal Fatalities 2013Total Fatalities 2014Total Fatalities 2015Total Fatalities 2016Total Fatalities 2017Fatalities Per 100K 2013Fatalities Per 100K 2014Fatalities Per 100K 2015Fatalities Per 100K 2016Fatalities Per 100K 2017
Anderson County361233.997.991.332.653.93
Bedford County10541121.9410.818.532.112.08
Benton County5121230.576.1812.356.2312.51
Bledsoe County00103006.9020.38
Blount County5594243.977.13.121.54
Bradley County529244.911.958.671.923.79
Campbell County212004.972.515.0400
Cannon County00002000014.07
Carroll County2211077.053.583.580
Carter County0122101.783.553.541.77
Cheatham County0322207.575.055.034.96
Chester County2010011.7105.8500
Claiborne County201206.3303.176.340
Clay County0001000013.010
Cocke County222225.665.685.75.695.62
Coffee County0365305.6111.099.195.45
Crockett County112006.856.8313.7200
Cumberland County331225.235.191.723.423.39
Davidson County26192824223.942.834.113.483.18
Decatur County02112017.128.628.5417.02
Dekalb County2000110.460005.04
Dickson County336215.985.9411.693.851.89
Dyer County232315.257.935.297.982.67
Fayette County221135.155.122.552.537.49
Fentress County102105.58011.25.570
Franklin County332037.297.274.8407.2
Gibson County111102.
Giles County232226.9410.416.916.866.8
Grainger County03000013.12000
Greene County232432.934.382.925.834.36
Grundy County120007.4414.95000
Hamblen County131021.594.771.5803.11
Hamilton County101371272.873.711.983.351.94
Hancock County01004015.10060.61
Hardeman County110003.83.86000
Hardin County03032011.63011.657.74
Hawkins County0213503.551.785.328.86
Haywood County3102216.485.51011.2311.38
Henderson County121203.587.153.587.20
Henry County222136.
Hickman County201118.2604.14.064.02
Houston County1011012.09012.3112.320
Humphreys County000110005.445.41
Jackson County0100308.680025.69
Jefferson County6111411.521.911.891.887.43
Johnson County102035.56011.21016.96
Knox County16171713143.63.83.772.853.03
Lake County1001012.990013.280
Lauderdale County100053.6300019.78
Lawrence County0100002.37000
Lewis County00002000016.62
Lincoln County211215.972.992.985.972.96
Loudon County422307.953.963.935.850
Macon County0102104.3608.534.15
Madison County747357.
Marion County4212014.137.053.527.060
Marshall County0112003.23.176.260
Maury County731328.383.521.143.352.17
Mcminn County06512011.429.531.93.78
Mcnairy County111203.843.843.877.750
Meigs County120118.5817.108.378.29
Monroe County344216.648.818.754.352.16
Montgomery County4881072.
Moore County01001015.880015.66
Morgan County200129.23004.69.24
Obion County0000100003.29
Overton County100104.55004.550
Perry County1101212.6912.79012.6725.08
Pickett County1100119.9819.730019.71
Polk County162016.0135.9611.9305.97
Putnam County103511.3503.996.571.29
Rhea County00202006.1906.12
Roane County520159.423.7901.899.43
Robertson County661438.938.841.465.784.27
Rutherford County484991.422.771.342.932.84
Scott County110244.554.5509.1418.19
Sequatchie County112006.886.8313.6700
Sevier County573255.367.
Shelby County38293935404.
Smith County2420110.521.0210.405.09
Stewart County123107.5215.1322.737.590
Sullivan County583423.25.111.922.561.27
Sumner County462222.373.481.141.121.09
Tipton County512028.131.623.2503.26
Trousdale County1101012.8212.51010.050
Unicoi County122025.5411.1711.25011.26
Union County0131005.2715.665.20
Van Buren County01001017.690017.42
Warren County6110615.052.52.49014.76
Washington County416133.190.84.760.792.35
Wayne County141105.9323.83660
Weakley County4110011.722.942.9500
White County3320111.4611.447.5903.74
Williamson County651363.022.440.471.372.65
Wilson County867636.564.795.454.532.2
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Teen Drinking and Driving

Teens and Drunk DrivingDetails
Under 21 Alcohol-Impaired Driving Fatalities Per 100K of the Population0.6
Higher/Lower Than National Average (1.2)Lower
DUI Arrests (Under 18 Years Old)143
DUI Arrests (Under 18 Years Old ) Total Per Million People95.22
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EMS Response Time

TypeTime of Crash to EMS NotificationEMS Notification to EMS ArrivalEMS Arrival at Scene to Hospital ArrivalTime of Crash to Hospital Arrival Total Fatal Crashes
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Did you know that the typical Tennessean has an average commute time of 23.9 minutes? This travel time is actually a bit under the national median at 25.5 minutes.

Data USA’s 2017 study revealed that just 2.04 percent of workers in the state have commutes categorized as “super commutes” exceeding 90 minutes in length.

Commute Time

commute time tennessee

Car Ownership

car ownership tennessee

Commuter Transportation

commuter transportation tennessee

The Top Two Cities in Tennessee for Traffic Congestion

City Hours Lost in CongestionCost of Congestion Per DriverInner City Travel Time (minutes)Inner City Last Mile Speed (mph)
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The table above indicates the top two cities in Tennessee for traffic congestion according to INRIX’s 2018 Global Traffic Scorecard. Not surprisingly, Tennessee’s two largest cities in terms of the population made it to the top of the list.

Don’t spend time in traffic worrying about car insurance. Start comparison shopping today the quick and easy way.

Get your FREE quote in seconds with our online rate tool. Just enter your ZIP code below to get started.

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.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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