Auto Insurance Quotes in Memphis TN - [Mom Prepared] (2025)

Auto insurance is a necessity for every family, especially those with children of driving age. In Memphis, TN, the Smith family is a prime example of how important it is to have the right coverage for each member of the family.

Meet the Smiths: John and Sarah are a married couple with three children, all of whom are now driving. They have four vehicles in their household, each with its own unique insurance needs.

Their oldest daughter, Emily, just turned 16 and got her driver’s license. She drives a 2015 Honda Civic, which is in her name. The Smiths have full coverage on Emily’s car, including liability, collision, and comprehensive coverage. Their monthly premium for Emily’s car is $150.

Their son, Michael, is 18 years old and drives a 2012 Toyota Camry. He has his own insurance policy, but is still listed on his parents’ policy for the other vehicles in the household. Michael has a clean driving record and qualifies for a good student discount, which helps lower his monthly premium to $120.

Their youngest daughter, Ava, is 14 years old and looking forward to getting her driver’s permit soon. She will likely be added to the family’s insurance policy once she starts driving.

John drives a 2017 Ford F-150 for his daily commute to work. The truck is used for both personal and business purposes, so the Smiths have a commercial auto insurance policy for this vehicle. They have liability coverage and uninsured motorist coverage on the truck, with a monthly premium of $200.

Sarah drives a 2016 Honda Odyssey, which is primarily used for family outings and errands. The Smiths have full coverage on Sarah’s minivan, with a monthly premium of $180.

Despite their best efforts to maintain a clean driving record, the Smith family has experienced a few driving infractions over the years. Michael was involved in a minor fender bender last year, which resulted in a small increase in their insurance rates. Emily got a speeding ticket for going 10 miles over the speed limit, causing their premium to go up by $50 per month.

John was once pulled over for running a red light, resulting in a significant increase in their insurance rates. Sarah also received a citation for texting while driving, which further raised their monthly premium. These driving infractions serve as a reminder of the importance of safe driving practices and the impact they can have on auto insurance rates.

As the Smith family navigates the world of auto insurance in Memphis, they have encountered a number of common questions that many other families may have. Here are 12 of the most frequently asked questions about auto insurance in Memphis, along with the answers:

1. What is the minimum auto insurance coverage required in Tennessee?

In Tennessee, drivers are required to have liability insurance with minimum coverage limits of $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 per accident for property damage.

2. What factors can affect my auto insurance rates?

Several factors can impact your auto insurance rates, including your driving record, age, gender, location, credit score, and the type of vehicle you drive.

3. Are there any discounts available for auto insurance in Memphis?

Yes, many insurance companies offer discounts for safe driving, good student grades, bundling policies, and installing safety features in your vehicle.

4. How can I save money on my auto insurance premiums?

You can save money on your auto insurance premiums by shopping around for quotes, maintaining a clean driving record, bundling policies, and taking advantage of discounts offered by insurance companies.

5. What is the difference between liability, collision, and comprehensive coverage?

Liability coverage pays for damages and injuries you cause to others in an accident. Collision coverage pays for damages to your vehicle in an accident. Comprehensive coverage pays for damages to your vehicle from non-accident-related incidents, such as theft or vandalism.

6. Can I add my teenage driver to my auto insurance policy?

Yes, you can add your teenage driver to your auto insurance policy, but it may result in an increase in your premiums due to the higher risk associated with inexperienced drivers.

7. What should I do if I am involved in a car accident?

If you are involved in a car accident, you should exchange insurance information with the other driver, take photos of the damage, and contact your insurance company to file a claim.

8. Do I need uninsured motorist coverage in Tennessee?

While uninsured motorist coverage is not required in Tennessee, it is highly recommended to protect yourself in the event of an accident with an uninsured or underinsured driver.

9. How do auto insurance deductibles work?

An auto insurance deductible is the amount you pay out of pocket before your insurance company covers the remaining costs of a claim. The higher your deductible, the lower your premiums will be.

10. Can I change my auto insurance coverage at any time?

You can change your auto insurance coverage at any time, but it is important to consider the implications of making changes, such as potential rate increases or coverage limitations.

11. What should I do if my auto insurance rates increase?

If your auto insurance rates increase, you can shop around for quotes from other insurance companies to see if you can find a better rate. You can also inquire with your current insurer about potential discounts or ways to lower your premiums.

12. How can I find the best auto insurance quotes in Memphis?

To find the best auto insurance quotes in Memphis, it is recommended to compare rates from multiple insurance companies, consider your coverage needs, and take advantage of any available discounts or savings opportunities.