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Tennessee
Dragon Insurance is an independent agency licensed statewide in Tennessee, serving drivers in Nashville, Memphis, Knoxville, Chattanooga, and every community in between. We compare 30+ carriers including Progressive, Safeco, and Liberty Mutual to find the lowest rate for your driving record, vehicle, and ZIP code. Most Tennessee drivers get a quote in under 1 hour, entirely by phone or online.
Independent agency. Licensed statewide in Tennessee. 30+ carriers compared. 60+ five-star reviews.
Most Tennessee drivers, whether in Nashville, Memphis, Knoxville, or a small town in between, 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 statewide in Tennessee and serve drivers from Middle Tennessee to Memphis and East Tennessee 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.
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 when approximately 20% of Tennessee drivers carry no insurance. We explain your options clearly.
Quote in under 1 hour
Most Tennessee drivers, from Nashville to Memphis, Knoxville, and Chattanooga, have their quote ready the same day. Complex records or non-standard risks: next business day.
60+ five-star reviews
Real clients across Tennessee who called back after their first renewal.
Tennessee is an at-fault state with specific minimum coverage requirements every driver must carry statewide. Here is what the law requires and what most experienced Tennessee 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 (~20% of TN drivers uninsured) |
| 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 approximately 20 percent of Tennessee drivers carry no insurance at all. Call us to discuss the right limits for your situation.
Dragon Insurance is licensed statewide in Tennessee. We quote drivers in every major metro and the smaller communities around them.
Nashville
Metro & Davidson County
Memphis
Shelby County
Knoxville
Knox County
Chattanooga
Hamilton County
Murfreesboro
Rutherford County
Franklin
Williamson County
Clarksville
Montgomery County
Jackson
Madison County
Looking for Nashville-specific coverage details?
Our Nashville, TN auto insurance page covers Brentwood, Franklin, Murfreesboro, and the greater Middle Tennessee metro in more local detail, including ZIP-code-level service areas.
Visit the Nashville, TN Auto Insurance PageSee our Tennessee insurance page for the full range of coverage we offer statewide, including home, renters, and business insurance.
Questions Tennessee 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. Your exact rate depends on your city, ZIP code, driving record, vehicle, and coverage limits. Nashville and Memphis rates tend to run above the statewide average due to urban traffic density and claim frequency. As an independent broker, we compare 30+ carriers including Progressive, Safeco, and Liberty Mutual to find Tennessee 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, particularly given that approximately 20 percent of Tennessee drivers are uninsured, one of the highest rates in the country.
Tennessee law requires carriers to include uninsured motorist (UM) coverage in every auto policy, but drivers may reject it in writing under T.C.A. Section 56-7-1201. We strongly recommend keeping it. With approximately 20 percent of Tennessee drivers uninsured, one of the highest rates in the country, the risk of being hit by an uninsured driver is real, and without UM coverage you pay out of pocket for your own injuries and vehicle damage.
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, across Nashville, Memphis, Knoxville, Chattanooga, and every Tennessee community in between. For 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 Tennessee 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 statewide, 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.
The cheapest car insurance for Tennessee drivers depends on your specific profile, not a single company. Across our panel, Progressive and Safeco are consistently competitive 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 statewide in Tennessee and works with clients in Nashville, Memphis, Knoxville, Chattanooga, Murfreesboro, Franklin, Clarksville, and every community in between. We handle every quote by phone or online, comparing 30+ carriers to find the right coverage for your ZIP code. See our Nashville, TN auto insurance page for more detail on our Middle Tennessee coverage, or call 717-229-5115 to get started anywhere in the state.
Tennessee
Dragon Insurance compares 30+ carriers for drivers across Nashville, Memphis, Knoxville, Chattanooga, and every Tennessee community in between. Most quotes are ready in under 1 hour, entirely by phone or online.
60+ five-star reviews · 2,500+ clients served · Independent agency, licensed statewide in Tennessee
Blog
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