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Memphis, TN
Dragon Insurance is an independent agency licensed in Tennessee, serving Memphis, Shelby County, and the greater Mid-South, including Cordova, East Memphis, Germantown, and Bartlett. We compare 30+ carriers including Progressive, Safeco, and Liberty Mutual to find the lowest rate for your driving record, vehicle, and ZIP code. Most Memphis-area drivers get a quote in under 1 hour, entirely by phone or online.
Independent agency. Licensed in Tennessee. 30+ carriers compared. 70+ five-star reviews.
Most Memphis-area drivers, whether downtown, in Cordova, or out toward Germantown and Bartlett, buy car insurance from whoever they used last year, or whoever their parents used, without ever finding out whether a better rate exists for their exact profile.
Dragon Insurance is an independent agency, which means we work for you, not for any single carrier. When you call us, we quote your driver profile across 30+ carriers in one conversation and show you which one wins for your situation. Captive agents who represent a single company can only quote that one rate. We compare all of them.
We are licensed in Tennessee and serve the entire Memphis metro and Shelby County, including Cordova, East Memphis, Whitehaven, Frayser, Germantown, and Bartlett, entirely by phone and online, with no office visit required. We answer the phone, we know our clients by name, and we are not a call center.
Want to see how carrier comparison works before you call? Read our guide to comparing auto insurance quotes.
See the full coverage breakdown, including collision, comprehensive, and UM/UIM options, on our main auto insurance page.
30+ carriers in one call
Progressive, Safeco, Liberty Mutual, The General, and more. We compare all of them for your specific profile.
Tennessee at-fault expertise
We know Tennessee's at-fault system, the state's 25/50/25 minimum, and why keeping uninsured motorist coverage matters given Shelby County's elevated uninsured and underinsured motorist rate. We explain your options clearly.
Quote in under 1 hour
Most Memphis-area drivers, from downtown to Cordova, Germantown, and Bartlett, have their quote ready the same day. Complex records or non-standard risks: next business day.
70+ five-star reviews
Real clients across Memphis, Cordova, Germantown, Bartlett, and the greater Shelby County area who called back after their first renewal.
Tennessee is an at-fault state with specific minimum coverage requirements every driver must carry. Here is what the law requires and what most experienced Memphis-area drivers actually buy.
| Coverage | TN Minimum | Recommended |
|---|---|---|
| Bodily Injury Liability | $25,000 / $50,000 | $100,000 / $300,000 |
| Property Damage Liability | $25,000 | $100,000 |
| Uninsured / Underinsured Motorist | Included, rejectable in writing | Keep it (Shelby County rate is above the TN average) |
| Medical Payments (MedPay) | Not required | Optional add-on |
| Collision | Not required | Required if financed |
| Proof of Insurance | Verified electronically; required at registration | Maintain continuous coverage |
State minimums are the legal floor, not a coverage recommendation. At $25,000 per person, a single serious accident claim can exceed your limits, and Shelby County carries one of Tennessee's highest uninsured and underinsured motorist rates. Call us to discuss the right limits for your situation.
Dragon Insurance serves Memphis and the surrounding Shelby County communities, including Cordova, East Memphis, Germantown, and Bartlett.
Downtown Memphis / Beale Street
38103
Midtown Memphis
38104
Memphis Medical District
38105
Uptown / North Memphis
38107
Cordova
38016
East Memphis
38117
Whitehaven
38116
Frayser
38127
Raleigh
38128
Germantown
38138
Bartlett
38133
See our Memphis, TN location page for the full range of coverage we offer, or explore requirements across the state on our Tennessee auto insurance page.
Questions Memphis-area drivers ask us most often.
Tennessee requires minimum liability coverage of 25/50/25: $25,000 bodily injury per person, $50,000 bodily injury per accident, and $25,000 property damage liability. This property damage minimum rose from $15,000 to $25,000 effective January 1, 2023 (T.C.A. Section 55-12-102). Tennessee is an at-fault state, meaning the driver who causes an accident is responsible for the other party's damages through their liability coverage. Tennessee law also requires carriers to include uninsured motorist coverage in every auto policy, though drivers may reject it in writing under T.C.A. Section 56-7-1201.
According to Bankrate's 2026 Tennessee rate analysis, Tennessee drivers pay an average of $43 per month for minimum coverage and $167 per month for full coverage statewide. Applying MoneyGeek's published city-level rate variance to that statewide average, Memphis full coverage typically runs around $230 per month, higher than the state average due to Shelby County's traffic density and claim frequency. Your exact rate depends on your ZIP code, driving record, vehicle, and coverage limits. As an independent broker, we compare 30+ carriers including Progressive, Safeco, and Liberty Mutual to find Memphis, Cordova, and Germantown drivers the most competitive rate for their specific profile.
Tennessee is an at-fault state. The driver who causes an accident is responsible for the other party's property damage and medical expenses through their liability coverage. Unlike no-fault states, Tennessee drivers can sue the at-fault party for damages. This makes adequate liability limits especially important in Memphis, since Shelby County carries one of Tennessee's highest uninsured and underinsured motorist rates.
Often yes. An independent agent compares multiple carriers for your specific driver profile rather than quoting only one company. Dragon Insurance compares 30+ carriers in one call, including Progressive, Safeco, Liberty Mutual, and The General. For Memphis, Cordova, and Germantown drivers who have not shopped their policy in a few years, running that comparison is usually where the biggest difference shows up.
Yes. Non-standard carriers like The General specialize in coverage for Memphis-area drivers with a DUI history, multiple violations, or a prior coverage lapse. We also handle SR-22 filings for Tennessee license reinstatement after a suspension. Rates will be higher than a clean-record policy, but coverage is available, and comparing carriers still makes a meaningful difference.
Yes. Tennessee's Financial Responsibility Law requires drivers to maintain proof of liability insurance or a verifiable exemption. The Tennessee Department of Revenue runs an Electronic Insurance Verification System that checks coverage electronically, and if it cannot confirm your policy, you will receive a notice directing you to DriveInsuredTN.com to submit proof of insurance. Tennessee has also moved to require insurance verification at vehicle registration, so maintaining continuous coverage avoids registration delays and potential suspension.
Dragon Insurance can typically have a quote ready and coverage bound the same day for most standard passenger vehicles in Memphis, Cordova, East Memphis, Germantown, Bartlett, and the surrounding Shelby County area. Call 717-229-5115 and have your driver's license, vehicle VIN, and current insurance information ready. For non-standard risks, turnaround is usually 1 business day.
The cheapest car insurance for Memphis-area drivers depends on your specific profile, not a single company. Published 2026 rate data from MoneyGeek and Experian shows GEICO and Liberty Mutual among the more competitively priced carriers on our panel for clean-record drivers, while The General often wins on price for drivers with violations. Because rates vary by exact ZIP code, vehicle, age, and driving record, comparing all of them is the only way to find your lowest rate. Dragon Insurance compares 30+ carriers in one call and shows you the lowest qualifying option.
Yes. Dragon Insurance is licensed in Tennessee and serves the entire Memphis metro and Shelby County, including Cordova, East Memphis, Whitehaven, Frayser, Raleigh, Germantown, and Bartlett. We handle every quote by phone or online, comparing 30+ carriers to find the right coverage for your ZIP code. Call 717-229-5115 or request a quote online to get started.
Memphis, TN
Dragon Insurance compares 30+ carriers for drivers across Memphis, Cordova, Germantown, Bartlett, and the greater Shelby County area. Most quotes are ready in under 1 hour, entirely by phone or online.
70+ five-star reviews · 2,500+ clients served · Independent agency, licensed in Tennessee
Blog
More guidance for Memphis and Tennessee drivers.
August 6, 2026
Tennessee Car Insurance Requirements and Cost: 2026 Rate Guide
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